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Cheap car insurance in New Hampshire

How to get the best auto insurance in New Hampshire

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How much is car insurance in New Hampshire?

If you live in New Hampshire or you’re planning to move there, you should know the ins and outs of what the state requires when it comes to car insurance. Compare New Hampshire’s minimum coverage requirements, extra coverage options and how to get cheap car insurance in New Hampshire.

New Hampshire

Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

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It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
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Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
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Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

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CompanyDirect premiums written (billions)Market share
State Farm$107,03312.2%
Liberty Mutual$93,63010.6%

Average car insurance costs in New Hampshire

New Hampshire lands on the cheap side of the national average for car insurance costs, typically in the range of $1,100 to $1,200 per year. This means if you’re looking for standard coverage, you could pay a price close to that range.

New Hampshire has midsize cities like Manchester with 110,000 residents and small hamlets like Hancock with just 1,500. With many rural areas and more empty acres of land than there are people, there tends to be a variety in insurance costs.

Within a small state like this one, the rule of thumb is if you live in a more rural area, you’re likely to pay less. If you live in cities like Manchester and Concord you’re likely to pay more to insure your car.

Cheapest car insurance in New Hampshire

Which city has the cheapest car insurance in New Hampshire?

Of New Hampshire’s largest cities, Concord has the cheapest rates and Manchester has the most expensive car insurance rates. Manchester drivers could face rates 2 times more than Concord drivers.

Car insurance quotes in Derry

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Car insurance quotes in Manchester

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Car insurance quotes in Salem

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Car insurance quotes in Concord

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Car insurance quotes in Nashua

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State minimum requirements in New Hampshire

This is where things get really interesting. New Hampshire is one of a few states that actually doesn’t require car insurance coverage to drive. So what is required? If you cause an accident involving another car, you’re liable for damages and injuries resulting from the accident — so whether you have insurance or not, there’s probably a big bill to pay.

Despite having no legal obligation, most New Hampshire drivers opt to get car insurance anyway so they’re covered if an accident happens. And the state’s 9.9% rate of uninsured drivers is actually lower than the 13% national average in 2015.

If you do decide to carry car insurance in this state, your policy should include at least:

  • Liability coverage. You must carry at least $25,000 for bodily injury, per person; $50,000 for bodily injury, if multiple people are injured in an accident; $25,000 for property damage.
  • Medical payments coverage. Must be for at least $1,000.
  • Uninsured motorist coverage. Must match your liability coverage amounts.

What optional coverage should I consider?

You can also get additional types of insurance to better protect yourself, including:

  • Collision. Helps pay for repairs if your car is damaged in an accident.
  • Comprehensive. Covers you in case your car is damaged by something other than an accident — for instance, a fire or vandalism.
  • Medical and funeral services. Assists in paying for medical bills or funeral services as a result of an accident.
  • Rental. Covers some of the costs of renting a car while waiting for your car to be repaired after an accident.

Can I get SR-22 insurance in New Hampshire?

No, New Hampshire doesn’t mandate an SR-22 filing, though you might need to maintain your out-of-state SR-22 if you move here from another state. An SR-22 certificate tells the state you have at least the minimum required insurance to get back on the road.

Bottom line

If you drive in New Hampshire without car insurance, you aren’t breaking the law, but you’re opening yourself up to some very large risks. And if you’re involved in an accident, the financial and legal consequences could be far more painful than paying regular insurance premiums. Consider your car insurance options in New Hampshire to find the best coverage for you and your vehicle.

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