120+ more*Quotes generated for Insurify users from New Hampshire within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from New Hampshire within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
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Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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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.
)
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
New Hampshire drivers pay an average of $64 per month for car insurance. The state’s average rates are typically lower than the national average of $136 per month.
New Hampshire’s lower premiums can be partly attributed to fewer uninsured drivers and vehicle thefts.[1] [2] The state also has an older population, and senior drivers typically pay less for car insurance.[3]
The average cost of liability-only coverage in the Graphite State is $52 per month, and full coverage averages $77.
The table below shows the cheapest insurers in New Hampshire for different driver and coverage types, according to Insurify data.
Driver Category | Cheapest Insurance Company in NH | Cheapest Monthly Quote in NH |
|---|---|---|
| Overall | National General | $52 |
| State-minimum coverage | National General | $52 |
| Full coverage | Safeco | $67 |
| Drivers with a clean record | National General | $52 |
| After a speeding ticket | National General | $68 |
| After an at-fault accident | National General | $74 |
| After a DWI | National General | $90 |
| Teen/new drivers | Direct Auto | $103 |
| Seniors | National General | $41 |
| Bad credit | National General | $64 |
New Hampshire is the only U.S. state that doesn’t require drivers to have minimum liability coverage.[4] That said, unless you can prove you can pay for an at-fault accident, you still need to purchase insurance. Liability-only coverage protects the other drivers and their property if you cause an accident.
National General offers the cheapest liability-only car insurance coverage in the Granite State, at $52 per month.
The following table shows the cheapest liability-only car insurance rates in New Hampshire, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $52 |
| Direct Auto | $54 |
| Safeco | $54 |
| Liberty Mutual | $59 |
| Bristol West | $65 |
| GEICO | $72 |
| State Farm | $80 |
| USAA | $85 |
| Allstate | $149 |
| Nationwide | $188 |
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Austin Moyers
Sales Manager, Insurify
New Hampshire doesn’t require drivers to have car insurance. If you decide to buy insurance, the state’s minimum coverage requirements often aren’t enough in a serious accident. Medical bills and repair costs can easily exceed the state’s 25/50/25 limits. You could be responsible for tens of thousands of dollars without the right policy.
Increasing your coverage limits can provide you with additional financial protection. Full-coverage car insurance covers even more, including collision and comprehensive insurance for your vehicle.
Moose, deer, and other wildlife are a real risk to New Hampshire drivers.[5] Drivers report approximately 1,500 wildlife-vehicle collisions each year in the state, according to the University of New Hampshire.[6] To ensure your vehicle has proper protection, you should consider a full-coverage policy.
Full-coverage car insurance in New Hampshire combines liability, collision, and comprehensive coverage. Collision insurance helps cover your vehicle if you hit a stationary object, like a fence. Comprehensive coverage pays for damage caused by something other than a collision, like theft or vandalism.
The average cost of a full-coverage policy in New Hampshire is $77 per month.
The following table highlights insurers offering cheap full-coverage car insurance in New Hampshire, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Safeco | $67 |
| Direct Auto | $74 |
| Liberty Mutual | $87 |
| GEICO | $97 |
| National General | $97 |
| State Farm | $107 |
| USAA | $114 |
| Bristol West | $128 |
| Allstate | $200 |
| Nationwide | $253 |
*Quotes generated for Insurify users from New Hampshire within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from New Hampshire within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Several factors contribute to New Hampshire’s affordable car insurance rates. Low motor vehicle theft rates and an older population help keep rates low in the state.
Comparing quotes from the best car insurance companies in New Hampshire can help you find competitive rates and coverage that meets your needs. Here are our top picks for cheap car insurance in the state.
| User Reviews | 3.7 |
|---|---|
| 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. | 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. | $52/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. | $97/mo |
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
National General caters to a wide range of drivers, including people with less-than-perfect driving records. The company offers some of the lowest rates for New Hampshire drivers with an accident, speeding ticket, or driving while intoxicated (DWI) conviction. National General also offers several ways to save, like bundling, multi-vehicle, and low-mileage discounts.
24-hour claims reporting
$500 emergency expense allowance
Highly rated mobile app
Below-average claims satisfaction score
Poor Trustpilot rating
High number of customer complaints
| User Reviews | 3.4 |
|---|---|
| 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. | 7.7 /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. | $59/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. | $87/mo |
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
With more than 14,000 educators calling New Hampshire home, many drivers can benefit from Liberty Mutual’s teacher discounts.[7] With vandalism loss protection, teachers don’t need to pay a deductible if someone vandalizes their car on school property or during school-related events.
Above-average J.D. Power claims satisfaction rating
Above-average customer satisfaction rating in New England
Excellent Trustpilot rating
High number of customer complaints
Below-average digital experience rating
Poor Better Business Bureau (BBB) customer rating
| 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. | $72/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. | $97/mo |
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.
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.
New Hampshire has one of the oldest populations in the U.S. More than 25% of the state’s residents are aged 60 or older.[8] With GEICO, senior drivers can qualify for a variety of discounts to lower their insurance premiums. The company offers good driver, retired government, and defensive driving discounts.
Many available discounts
Above-average customer satisfaction rating in New England
Highly rated mobile app
Below-average claims satisfaction rating
Poor Trustpilot rating
Gap insurance not available
New Hampshire drivers pay some of the lowest insurance rates in the country. An older driving population and competitive insurance marketplace also help keep prices low.[9]
The average annual cost of a full-coverage policy in New Hampshire is $52. New Hampshire’s average car insurance rates are projected to increase by only 0.1% by the end of 2026, according to an Insurify report.
Check quotes from the state’s top insurers and save money today
New Hampshire doesn’t require drivers to have auto insurance. But you need to prove that you have sufficient funds to meet the state’s financial responsibility requirements. If you can’t meet these requirements and don’t buy insurance, the state may suspend your license.
If you choose to purchase coverage, the minimum liability requirements include bodily injury liability and property damage liability. The table shows how much coverage you need in New Hampshire.
Type of Coverage | Minimum Required Amount |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
If you choose to purchase liability insurance coverage, you also need to buy an equal amount of uninsured motorist coverage. You must also purchase at least $1,000 of medical payments (MedPay) coverage.
Many factors affect insurance costs across New Hampshire. Population density, crime rates, and claims frequency all affect how much you pay for coverage. Rural areas generally have lower insurance premiums due to less traffic and vehicle theft.
The table below lists average monthly rates across cities in New Hampshire, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Rochester | $68 |
New Hampshire drivers with a clean driving record pay an average of $64 per month for car insurance. Safe drivers typically pay less for coverage because companies consider them less risky to insure.
The following table shows the cheapest liability quotes in New Hampshire for drivers with a clean record and good credit, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $48 |
| Direct Auto | $52 |
| Safeco | $58 |
| Liberty Mutual | $62 |
| Bristol West | $64 |
| GEICO | $72 |
| State Farm | $78 |
| USAA | $83 |
| Allstate | $150 |
| Nationwide | $179 |
More than 3% of drivers in New Hampshire have a recent speeding ticket, Insurify data shows. New Hampshire uses a demerit system for traffic violations. A speeding ticket can result in three or four demerits, depending on how fast you’re driving. For drivers older than 21, the state can suspend their license for up to three months after accumulating 12 points in one year.[10]
The average insurance cost for drivers with a speeding ticket in New Hampshire is $89 per month.
The following insurers offer the cheapest coverage for New Hampshire drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $68 |
| Direct Auto | $71 |
| Safeco | $75 |
| Liberty Mutual | $79 |
| Bristol West | $86 |
| GEICO | $99 |
| State Farm | $107 |
| USAA | $116 |
| Allstate | $205 |
| Nationwide | $258 |
In 2025, there were 138 fatalities due to traffic accidents in New Hampshire, according to the New Hampshire Office of Highway Safety.[11] Speed and wildlife on the road are two main contributors to fatal car accidents in the state.
More than 5% of New Hampshire drivers have a recent accident in their driving history, according to Insurify data. On average, New Hampshire drivers pay $78 per month for liability-only coverage.
The following companies offer some of the cheapest insurance rates after a car accident in New Hampshire.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $74 |
| Direct Auto | $78 |
| Safeco | $80 |
| Liberty Mutual | $84 |
| Bristol West | $91 |
| GEICO | $100 |
| State Farm | $113 |
| USAA | $122 |
| Allstate | $213 |
| Nationwide | $270 |
Driving while intoxicated (DWI) is against the law in New Hampshire. If you’re convicted of a DWI, you can face fines of $10,000, the loss of your license, and jail time.[12]
Insurify data shows that less than 1% of drivers in New Hampshire have a DWI conviction. Drivers with a DWI pay an average of $102 per month for liability coverage.
The table below shows some of the cheapest quotes for New Hampshire drivers with a DWI.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $90 |
| Direct Auto | $93 |
| Safeco | $98 |
| Liberty Mutual | $102 |
| Bristol West | $112 |
| GEICO | $123 |
| State Farm | $138 |
| USAA | $146 |
| Allstate | $256 |
| Nationwide | $324 |
If you’re convicted of a serious traffic offense, like a DWI, in New Hampshire, you have to file an SR-22 certificate.[13] An SR-22 proves that you have New Hampshire’s minimum liability car insurance requirements.
National General offers the cheapest coverage for New Hampshire drivers who require an SR-22, at $89 per month for a liability policy.
The following table shows the best quotes for cheap SR-22 coverage in New Hampshire, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $89 |
| Direct Auto | $93 |
| Safeco | $93 |
| Liberty Mutual | $101 |
| Bristol West | $112 |
| GEICO | $124 |
| State Farm | $138 |
| USAA | $146 |
| Allstate | $256 |
| Nationwide | $323 |
Get the coverage you need in New Hampshire at the best price
Motor vehicle crashes are the leading cause of death for teenagers in New Hampshire.[14] Inexperience, speeding, and distracted driving are some of the main contributors to teen crashes. Due to their increased risk, teen drivers pay some of the highest car insurance rates.
New Hampshire teens pay an average of $115 per month for car insurance.
The following table shows the cheapest rates for teen drivers in New Hampshire, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Direct Auto | $103 |
| Liberty Mutual | $104 |
| National General | $105 |
| Safeco | $109 |
| Bristol West | $116 |
| GEICO | $128 |
| State Farm | $155 |
| USAA | $157 |
| Allstate | $294 |
| Nationwide | $366 |
Seniors make up nearly 27% of New Hampshire’s population. That might help explain why the state’s premiums are lower than the national average. Senior drivers tend to be safer and have lower crash rates than drivers in other age groups, making them less risky to insure.
The cheapest insurer for seniors in New Hampshire is National General, with liability rates averaging $41 per month.
The table below highlights the most affordable rates for senior drivers in New Hampshire, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $41 |
| Direct Auto | $44 |
| Safeco | $48 |
| Liberty Mutual | $50 |
| Bristol West | $55 |
| GEICO | $58 |
| State Farm | $64 |
| USAA | $70 |
| Allstate | $122 |
| Nationwide | $145 |
Insurance companies in New Hampshire can use your credit information to help determine your premium. Studies show that your credit history can predict how likely you are to file a claim. Drivers with poor credit tend to file more claims and, as a result, pay higher premiums.[15]
New Hampshire drivers with poor credit pay an average of $80 per month for car insurance.
The following table lists the cheapest car insurance quotes for drivers with poor credit in New Hampshire, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $64 |
| Direct Auto | $66 |
| Safeco | $66 |
| Liberty Mutual | $71 |
| Bristol West | $80 |
| GEICO | $89 |
| USAA | $104 |
| State Farm | $115 |
| Allstate | $183 |
| Nationwide | $232 |
Rates in New Hampshire start at just $52/mo.
Check out the following answers to some of our most common questions for more information about cheap car insurance in New Hampshire.
New Hampshire doesn’t require drivers to purchase car insurance if they can prove they have enough funds to cover an accident. If you need coverage, you must have $25,000 per person and $50,000 per accident of bodily injury liability coverage and $25,000 of property damage liability. You also need uninsured motorist coverage and medical payments (MedPay) coverage.
New Hampshire’s financial responsibility law states that you must prove you have sufficient funds to meet the state’s financial responsibility requirements if you forgo buying insurance. If you can’t meet the requirements and don’t buy insurance, the state can suspend your license.
The average cost of car insurance in New Hampshire is $64 per month, according to Insurify data. Liability coverage averages $52 per month, and full coverage costs an average of $77 per month.
National General has the cheapest car insurance in New Hampshire. The company’s liability-only rates average $52 per month. But your personal rates depend on a variety of factors, including your ZIP code, age, and driving record.
No. New Hampshire is an at-fault state. In an at-fault state, the person who causes an accident is responsible for paying for the other driver’s injuries and property damage.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
