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Cheap Auto Insurance Quotes in New Hampshire (January 2022)
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Last Updated: January 2022
Add a "Wicked Good Car Insurance" next to your "This Car Climbed Mount Washington" bumper sticker
Live Free or Die. Nearly 1.4 million people are free to ski, hike, and stare at the breathtaking beauty of the New Hampshire sunrises. All the outdoor activities might leave you hungry for pancakes, steak bombs, or American chop suey. If you can’t take the snowmobile to get something to eat, then you’ve got to take the car.
Here’s our guide to the best and cheapest car insurance quotes in the Granite State.
Cheapest Car Insurance in New Hampshire
Here are the cheapest companies in New Hampshire for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in New Hampshire.
| Cheapest Companies | |
|---|---|
Progressive | $26/mo |
 Allstate | $58/mo |
GEICO | $71/mo |
 Travelers | $81/mo |
 American Family | $94/mo |
Best Car Insurance in New Hampshire
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in New Hampshire. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
American Family | $94/mo | |
GEICO | $71/mo | |
 State Farm | $132/mo | |
Allstate | $58/mo | |
 Liberty Mutual | $134/mo | |
Progressive | $26/mo | |
Travelers | $81/mo |
Car Insurance in New Hampshire
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in New Hampshire to find you the cheapest quotes in each of these metropolitan areas.
Manchester is the most populous city in New Hampshire.
Quotes by Top Companies
Quotes ($/mo)
$40
$69
$85
$106
$112
$171
$212
ProgressiveAllstateGEICOAmerican FamilyTravelersThe GeneralState Farm
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Manchester | Progressive | $40/mo |
| Nashua |  Travelers | $97/mo |
| Concord |  Allstate | $62/mo |
| Dover | GEICO | $75/mo |
| Rochester | GEICO | $71/mo |
| Salem | GEICO | $86/mo |
| Merrimack | GEICO | $79/mo |
| Keene | GEICO | $72/mo |
| Derry | Allstate | $75/mo |
| Portsmouth | GEICO | $77/mo |
| Bedford | Allstate | $69/mo |
| Goffstown | GEICO | $81/mo |
| Laconia | GEICO | $77/mo |
| Windham | Allstate | $75/mo |
| Lebanon | Progressive | $80/mo |
| Claremont | Allstate | $58/mo |
| Pelham | Allstate | $75/mo |
| Somersworth | Allstate | $59/mo |
| Amherst | Progressive | $26/mo |
| Londonderry | Progressive | $85/mo |
Cheapest Liability Auto Insurance in New Hampshire
For drivers in New Hampshire, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in New Hampshire. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in New Hampshire.
| Cheapest companies | |
|---|---|
 Midvale Home & Auto | $67/mo |
Travelers | $75/mo |
 Safeco | $90/mo |
Liberty Mutual | $108/mo |
 The General | $128/mo |
Cheapest Full Coverage Auto Insurance in New Hampshire
For drivers in New Hampshire, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in New Hampshire. The following are the best insurance rates from carriers that offer full coverage auto insurance in New Hampshire.
| Cheapest companies | |
|---|---|
Travelers | $106/mo |
Midvale Home & Auto | $109/mo |
Safeco | $142/mo |
Liberty Mutual | $160/mo |
The General | $194/mo |
New Hampshire Driving Facts
Minimum Car Insurance Requirements in NH
In the state of New Hampshire, car insurance is not mandatory. The state requires drivers to pay for any injury or property damage arising from their vehicles. To avoid legal repercussions of an unexpected accident, it is recommended that New Hampshire drivers purchase insurance just in case.
New Hampshire's minimum liability car insurance limits are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
- $25,000 uninsured/underinsured motorist property damage coverage
- $1,000 medical payments coverage
Cheapest Car Insurance Quotes in New Hampshire by Profile
Here are the cheapest insurance companies in New Hampshire based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
Cheap Car Insurance for Good Drivers
For New Hampshire drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in New Hampshire, at $26 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | |
|---|---|
Progressive | $26/mo |
Allstate | $58/mo |
GEICO | $71/mo |
Travelers | $81/mo |
American Family | $94/mo |
Cheap Car Insurance for Drivers with DUI
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | |
|---|---|
USAA | $34/mo |
Concord | $40/mo |
MMG | $47/mo |
Cheap Car Insurance for Drivers with an At-Fault Accident
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | |
|---|---|
USAA | $26/mo |
Concord Group | $29/mo |
Patriot Group | $29/mo |
Cheap Car Insurance for Speeding Drivers
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | |
|---|---|
USAA | $22/mo |
Concord Group | $26/mo |
MMG | $28/mo |
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of New Hampshire, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. GEICO offers the cheapest car insurance rates for young drivers, averaging $12 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, New Hampshire 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young New Hampshirites lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | |
|---|---|
GEICO | $12/mo |
USAA | $17/mo |
Concord | $25/mo |
SR-22 Insurance in New Hampshire
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of New Hampshire on your behalf.
NH DMV Information
The New Hampshire Division of Motor Vehicles (DMV) has 15 locations open from 8:00 AM to 4:30 PM. The DMV is walk-in friendly, but you must schedule an appointment for driver license road tests. The online portal lets you skip the drive if you need to renew your driver’s license or pay a ticket.
If you’re new to the state:
New residents must register their vehicles and get a license within 60 days of establishing residency. To register your vehicle, you must take the following to the town or city clerk’s office:
If you own your car:
- Title
- Proof of residency
- If your car is leased or has a lienholder:
- Out-of-state registration
- Lease agreement, if applicable
- Lienholder’s name and address
- Proof of residency
You can transfer your out-of-state license if it is not expired, suspended, or revoked. You must go to any DMV office with the following:
- Two proofs of identity
- One proof of New Hampshire residency with name and physical address dated within the last 60 days.
- One proof of a legal name change, if applicable
You then must pass a vision test, pay your license fee, and have your picture taken.
For more detailed rates on specific personas and driving histories, use our New Hampshire insurance rate resources.
Insurify Insights: How New Hampshire Drivers Measure Up
Moving Violations Rank
New Hampshire
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how New Hampshire drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in New Hampshire
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, New Hampshire drivers rank 8 in the number of car accidents per driver.
- Rank of States: #8
- Percent of drivers in New Hampshire with an accident: 11.77%
- Drivers in NH with an accident in their driving history paid on average 34.78% more than drivers with a clean record
Speeding in New Hampshire
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. New Hampshire drivers rank 33 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #33
- Percent of drivers in New Hampshire with a speeding ticket: 9.23%
- Drivers in NH with a speeding ticket in their driving history paid on average 41.74% more than drivers with a clean record
DUI/DWIs in New Hampshire
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New Hampshire drivers rank 32 in the number of DUI’s per driver across all fifty states.
- Rank of States: #32
- Percent of drivers in New Hampshire with a DUI: 1.72%
- Drivers in NH with a DUI in their driving history paid on average 37.39% more than drivers with a clean record
Most Popular Vehicle in New Hampshire
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in New Hampshire is the Honda Civic.
Rude in New Hampshire
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, New Hampshire drivers rank 15 in rude driving infractions.
- Rank of States: #15
- Percent of drivers in New Hampshire with a reckless driving violation: 1.58%
- Drivers in NH with a reckless driving violation in their driving history paid on average 38.26% more than drivers with a clean record.
Safest Drivers in New Hampshire
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; New Hampshire drivers rank 27 in clean driving records across all fifty states.
- Rank of States: #27
- Percent of drivers in New Hampshire with clean record: 79.96%
Street Racing in New Hampshire
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, New Hampshire drivers rank 39 in street racing violations per driver.
- Rank of States: #39
- Percent of drivers in New Hampshire with a street racing violation: --%
Failure to Yield the Right of Way in New Hampshire
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. New Hampshire drivers rank 48 in failure to yield violations per driver across all fifty states.
- Rank of States: #48
- Percent of drivers in New Hampshire with a failure to yield violation: 0.22%
- Drivers in NH with a failure to yield violation in their driving history paid on average 3.48% more than drivers with a clean record
Reckless Drivers in New Hampshire
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, New Hampshire drivers rank 9 in the number of reckless driving offenses per driver.
- Rank of States: #9
- Percent of drivers in New Hampshire with a reckless driving offense: 0.22%
Hybrid/Electric Vehicle Ownership in New Hampshire
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. New Hampshire drivers rank 37 in hybrid and electric vehicle ownership across all fifty states.
- Rank of States: #37
- Percent of drivers in New Hampshire with a hybrid/electric vehicle: 0.64%
Greenest Cities in New Hampshire
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of New Hampshire offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.
Nashua
% of Hybrids / Electrics
1%
Most Patriotic City
Nashua
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Nashua won Insurify's Most Patriotic Cities Award for the state of New Hampshire. In 1775, many minutemen from the area (then called Dunstable) fought in the Battle of Bunker Hill during the Revolutionary War.
Road Statistics
Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in New Hampshire is vital for all car insurance shoppers hitting the road in The Granite State.
Road Rankings
9%Rural Roads in
Poor Condition
#19
Ranked
13%Structurally Deficient
Rural Bridges
#7
Ranked
1%Fatality Rate per 100M VMT
on Rural Roads
#35
Ranked
FAQs - New Hampshire Car Insurance
What happens if I get caught driving uninsured in New Hampshire?
It depends. New Hampshire technically doesn’t require car insurance. But if you’re involved in an accident or convicted of certain violations, there can be strict penalties. In those cases, your vehicle registration, license plate, and driver’s license will be suspended until any judgments or requirements are fulfilled. There’s $125 of registration and license reinstatement fees, and the need for SR-22 filing for three years.
How is fault assigned after a car accident in New Hampshire?
New Hampshire is an at-fault state, not a no-fault state. In New Hampshire, the person responsible for the accident pays for medical expenses and damages. In a no-fault state, the insurance provider pays legitimate claims regardless of fault.
Who has the cheapest car insurance in New Hampshire?
The best way to find the cheapest car insurance for New Hampshire drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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