Best Car Insurance in New Hampshire (2025)
State Farm, GEICO, and Hanover are the best car insurance companies in New Hampshire.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byLequita Westbrooks
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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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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated
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Table of contents
Table of contents
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 $69 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.
State Farm: Best overall
| User Reviews | 4.1 |
|---|---|
| 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. | 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. | $83/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. | $99/mo |
4.1
Best choiceBased on 12,691 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 (6,548)
Betty
Verified Review
I Love Them and They Have Always Treated Me Well
Reviewed in Ohio on December 2025
They are great. I couldn't ask for better car insurance. I've been with them for a few years and I never change to anyone else. They are an excellent car insurance company and they treat you well.
Elaine
Verified Review
My agent is wonderful but I need a better rate
Reviewed in Arizona on December 2025
My car insurance went up every year.
Rhonda
Verified Review
Curious
Reviewed in Alabama on December 2025
Good customer service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Cons
Quotes only available through an agent
Doesn’t offer gap insurance
No accident forgiveness available
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $75/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. | $90/mo |
4.0
Best choiceBased on 13,336 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 (6,880)
Andrew
Verified Review
I'm paying Geico far too much for insurance and so I'm forced to live in it!
Reviewed in Massachusetts on December 2025
I'm paying way too much a month! $234?? My vehicle has basic coverage and is a 2008. Since registering it in April, I've had zero problems, no tickets or accidents. Just because of the accident I had with my father's car, which did not involve anyone else, just me, I shouldn't be paying an amount I can't afford! I'm disabled since 2009 and have a fixed income, so paying this much means I have to live in my vehicle. Either I pay rent, or I drive, but I can't afford both. It isn't fair.
Mitzi
Verified Review
Cheaper rates
Reviewed in Virginia on December 2025
The costs are way too high.
Kyle
Verified Review
I got a rate a year ago. No claims in the first 6-month and second 6-month periods. Their driver spy score went from 100 to 86 over two policy periods. The rate went from mid $500s up after the first 6 months. The second six months quote is at $710. I am canceling them.
Reviewed in New Mexico on December 2025
I got a rate a year ago. No claims in the first 6-month and second 6-month periods. Their driver spy score went from 100 to 86 over two policy periods. The rate went from mid $500s up after the first 6 months. The second six months quote is at $710. I am canceling them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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 help lower your 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.
Pros
Emergency roadside service available
Offers mechanical breakdown insurance
User-friendly digital tools
Cons
Discounts don’t apply to all coverage
Doesn’t offer gap insurance
Limited local agent support
Amica: Best for customer satisfaction
| User Reviews | 4.5 |
|---|---|
| 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. | 8.6 /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. | $287/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. | $432/mo |
4.5
Best choiceBased on 169 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 (98)
Dennis
Verified Review
AMICA - A Wonderful Insurance Company
Reviewed in Massachusetts on November 2025
They are terrific. I just wish the premiums were less.
Kevin
Verified Review
All great but prices too high!
Reviewed in Georgia on October 2025
Rates are too high.
Jim
Verified Review
Amica Premiums Get High Ratings
Reviewed in Delaware on October 2025
Make sure you include an Amica quote when comparing premiums.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57A.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
Live chat claims and customer service
Cons
No rideshare coverage
Limited local agent support
Only offers six-month policies
Hanover: Best for extra coverage
| 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 |
|---|---|
| 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. | 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.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.54A.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).
NRWhy 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
Cons
Limited local agent support
Can’t get a quote online
Few discounts
Progressive: Best for budget-conscious drivers
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 620 |
|---|---|
| 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. | 8.7 /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. | $101/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. | $173/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 (7,488)
Melisa
Verified Review
GEICO vs Progressive
Reviewed in New York on December 2025
Less expensive and better coverage.
Jordan
Verified Review
I have never missed a payment and have not had any accidents in years, yet my policy continues to rise. I am paying over $370 a month for 2 vehicles. I recently started shopping around for insurance and found it over $100 cheaper with every other insurance company I've gotten quotes from. Progressive seems to be charging more for no good reason.
Reviewed in Illinois on December 2025
I have never missed a payment and have not had any accidents in years, yet my policy continues to rise. I am paying over $370 a month for 2 vehicles. I recently started shopping around for insurance and found it over $100 cheaper with every other insurance company I've gotten quotes from. Progressive seems to be charging more for no good reason.
Steve
Verified Review
Not too big to fail.
Reviewed in Florida on December 2025
Call the rep, go over sections, identify discounts, compare with other insurers, and make sure that the agreed amount is correct. Subsequent emails I received had different amounts than what my internal Progressive account said. I was told the difference was because the internal one included a "renewal," versus a new applicant in my emails. So, one hand not knowing what the other is doing. A bit confusing and wasted my time.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
620NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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 on the phone 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, good student 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.
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Average cost of car insurance in New Hampshire
New Hampshire drivers pay around $69 per month for car insurance. That’s less than what most Americans pay — the national average sits at $138. 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 $69 for car insurance. The average monthly rate for a full-coverage policy is $85, and liability insurance costs $53 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.
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Sources
- State of New Hampshire Insurance Department. "2022 Automobile Insurance Consumer Frequently Asked Questions."
- Jdpower.com. "2024 U.S. Auto Insurance Study."
- Risk and Uncertainty Management Center. "Under Pressure: Cost Drivers in P/C Insurance Focus on New Hampshire Markets."
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Amy BeardsleyInsurance Writer
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.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.