Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money. Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba). She holds a bachelor’s degree in English from the University of South Florida.
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New Hampshire is one of the few states that don’t require car insurance.[1] But buying the state’s minimum coverage requirements can help cover damages and injuries you might cause in a car accident.
New Hampshire drivers pay an average of $86 per month for car insurance. Insurify analyzed 50 insurers to help you find the best car insurance companies in New Hampshire.
Best car insurance companies in New Hampshire
Shopping for car insurance can be overwhelming. Plus, every driver has different coverage and budget needs. That’s why we’ve narrowed down the search to help you find cheap coverage in New Hampshire.
The five car insurance companies below stand out for the best discounts, customer service, coverage options, perks, and more.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$42/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$73/mo
4.2
Best choiceBased on 10,174 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,605)
Charlotte
March 24, 2025
Verified Review
They don't seem too thrilled to have your business. I've never filed a claim, and when I ask for information about my policies, they aren't very helpful. This might just be my specific agent, as I've never had to contact State Farm directly. I always feel like I'm bothering them whenever I reach out.
They don't seem too thrilled to have your business. I've never filed a claim, and when I ask for information about my policies, they aren't very helpful. This might just be my specific agent, as I've never had to contact State Farm directly. I always feel like I'm bothering them whenever I reach out.
David
March 24, 2025
Verified Review
Good
They're just alright, but they keep increasing my insurance for no apparent reason.
Troy
March 24, 2025
Verified Review
Unjustified Increases
I don't appreciate the continuous increases without any reason or explanation.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
838
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm tops the New Hampshire car insurance list for combining local presence with protection that goes beyond minimum coverage. You’ll find a network of agents across the state who understand the challenges of driving in New Hampshire, from icy winter conditions to summer tourist traffic.
Plus, it’s possible to get cheap car insurance with discounts for bundling and safe driving.
Pros
Rideshare coverage available
Above-average J.D. Power customer satisfaction rating in New England[2]
A++ (Superior) financial strength rating from AM Best
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$67/mo
4.0
Best choiceBased on 11,178 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,122)
Ali
March 24, 2025
Verified Review
A Company Who Looks Out for the Individual
They defend, protect, and support their customers in coverage situations!
Luke
March 24, 2025
Verified Review
No Thanks to Geico
They are more expensive, they don't forgive or forget anything, and they love to increase your rates.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO offers more than 20 different ways to get a cheap car insurance rate, making it the best auto insurance company for discounts. It’s no surprise that a clean driving record can get you cheap auto premiums, but you can knock 23% off your rate just for having a built-in anti-theft system. You can also cash in by going paperless and setting up auto pay.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$150/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$274/mo
4.1
Best choiceBased on 136 verified guest reviews and ratings
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
Reviews (81)
Kerry
March 24, 2025
Verified Review
KP Review
Extremely expensive.
Tuan
March 18, 2025
Verified Review
Very good service at a premium price
The customer service and claim handling are very good, but the policy, which used to be annual, has been split into 6-month terms like other competitors over the last few years. This change allows for higher increases.
Arlene
March 11, 2025
Verified Review
Price for Coverage Continually Increases
It's quite expensive, especially for someone who has only made two small claims.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
862
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.61
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Amica is best for New Hampshire drivers who value customer service. It has the highest customer satisfaction rating among New England insurers, according to J.D. Power’s 2024 U.S. Auto Insurance Study. You’ll find minimum-coverage car insurance and options to upgrade your protection to include perks like roadside service, gap insurance, and full glass repair.
Pros
Plenty of available discounts
Top J.D. Power customer satisfaction rating in New England
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
Best For
Customer satisfaction
Bundling discounts
High-value autos
Best For
Customer satisfaction
Bundling discounts
High-value autos
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Hanover packages extra perks, like accident forgiveness,roadside assistance, and newer car replacement, into bundled coverage and high-value policies. Bundling your home and car insurance opens up platinum and prestige coverage. Both protect against vehicle depreciation and pay vet bills if your four-legged passengers are hurt while traveling in your car.
Pros
Lots of coverage options
Low number of complaints with the National Association of Insurance Commissioners (NAIC)
A (Excellent) financial strength rating from AM Best
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
818
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$112/mo
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,435)
Ray
March 24, 2025
Verified Review
My New Car
It seems expensive, but they have a good reputation for customer service.
Amanda
March 24, 2025
Verified Review
It's Progressive... Run!
It's not good. They raise the insurance every six months when I have to renew. They don't care about you, just their money. I've been with them for a long time and they still charge me more than they should, despite me having a clean record and being single with no other insurance claims.
Larry
March 24, 2025
Verified Review
Horrible. The quote that appeared on your website was not honored. Their quote was almost $500 more. The first representative I spoke to was very nice, but she couldn't explain why it was higher. She transferred me to another department, which still wouldn't tell me why, other than there was something in our records that wasn't covered in the first quote. We haven’t had any tickets or accidents and they won’t disclose why the rate went up from our online quote. When the second representative transferred me back to the original department, I was treated very poorly by a male representative - he was very rude. We are platinum Progressive customers but we are considering changing that. Your site definitely did not simplify my search. My husband has always handled this.
Horrible. The quote that appeared on your website was not honored. Their quote was almost $500 more. The first representative I spoke to was very nice, but she couldn't explain why it was higher. She transferred me to another department, which still wouldn't tell me why, other than there was something in our records that wasn't covered in the first quote. We haven’t had any tickets or accidents and they won’t disclose why the rate went up from our online quote. When the second representative transferred me back to the original department, I was treated very poorly by a male representative - he was very rude. We are platinum Progressive customers but we are considering changing that. Your site definitely did not simplify my search. My husband has always handled this.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
818
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Progressive’s Name Your Price tool and Snapshot program unlock cheap car insurance for New Hampshire drivers on a budget. Accident forgiveness and discounts for students getting good grades and going paperless help drivers get cheap auto insurance, too. And when you have questions about minimum-coverage car insurance or policy upgrades, you’ll find agents in 58 cities across the state.
Pros
Customize coverage with policy options
Rideshare coverage available
Covers high-risk drivers
Cons
Snapshot program could increase rates
Below-average J.D. Power customer satisfaction rating in New England
Policyholders report higher rates at renewal
Our editorial team analyzed regional and national auto insurance companies that sell policies in New Hampshire to assess which offers the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in New Hampshire
Whether you’re cruising through the White Mountains or commuting to Manchester, here’s your road map to finding cheap car coverage in New Hampshire at the best possible price.
Look for proof of great customer service
Cheap car insurance won’t mean much if you’re stuck waiting hours for help. Look beyond the price tags by reading customer reviews and asking friends and neighbors about their experience. Companies that are quick to answer questions and help with claims might be worth paying a bit more for, even for minimum-coverage car insurance.
Ask for car insurance discounts
Auto insurance companies offer more discounts than you might realize. Common savings include safe driver discounts, bundling your home and auto policies, and installing anti-theft devices. But here’s a local tip: If you park in a garage during the snowy New Hampshire winters, some companies offer cheap car insurance for protected parking.
Choose coverage that fits your real life
New Hampshire may not require drivers to have car insurance by law, but going without it is like hiking the Franconia Ridge Trail Loop without proper gear — technically possible but risky. Match your coverage to your actual driving habits, whether that means minimum-coverage car insurance or opting for collision insurance and comprehensive insurance.
Know what affects your rates
Car insurance is a game of risk. Cheap car insurance is possible with a safer driving record and lifestyle. Focus on things you can control: Keep your driving record clean and maintain a good credit history. And if you’re working from home more often, look into pay-per-mile options that can save you money for driving less than average.
Shop around before you commit
Car insurance rates can vary widely, even for the exact same coverage. Take time to get car insurance quotes from at least three New Hampshire auto insurance companies. But don’t automatically go with the cheap car insurance option. Make sure you compare the same coverage levels to get the best deal for your needs.
Find Cheap Car Insurance in New Hampshire
Check quotes from 100+ top insurance companies
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Based on 3,806+ reviews
4.8/5
Average cost of car insurance in New Hampshire
New Hampshire drivers pay around $86 per month for car insurance. That’s less than what most Americans pay — the national average sits at $151. But prices vary, and your costs might look pretty different from that state average.
Still, if your premiums have been creeping up, you’re not imagining things. Inflation, weather events, and legal disputes are increasing prices, according to a 2024 Property & Casualty Markets Symposium from the New Hampshire Insurance Department.[3] Insurers have been adjusting rates to keep up, making cheap car coverage harder to find.
Best car insurance in New Hampshire FAQs
Below, you’ll find answers to some common questions about getting cheap car insurance in New Hampshire.
How much is car insurance in New Hampshire?
New Hampshire drivers pay an average monthly rate of $86 for car insurance. The average monthly rate for a full-coverage policy is $113, and liability insurance costs $59 per month.
What are the best car insurance companies in New Hampshire?
A couple of New Hampshire car insurance companies stand out for balancing cheap car insurance rates, coverage options, and helpful customer service. State Farm lets you customize coverage and access a local agent for personalized support, while GEICO offers the most discounts to get you cheap car insurance premiums.
What is the required auto insurance coverage amount in New Hampshire?
New Hampshire doesn’t require drivers to buy car insurance. If you decide to get a policy, minimum-coverage car insurance policies must have at least $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 to cover property damage. You must also buy medical payments coverage and uninsured motorist coverage.
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money. Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba). She holds a bachelor’s degree in English from the University of South Florida.
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