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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. Shopping around may allow you to find insurance cheaper than New Hampshire’s average annual car insurance cost of around $1,200.
Car insurance quick facts
In at fault states, the driver who caused the accident pays for damages.
Most popular New Hampshire auto insurance companies list
Company | Direct premiums written (billions) | Market share |
---|---|---|
Geico | $125,329 | 14.2% |
Progressive | $112,294 | 12.7% |
State Farm | $107,033 | 12.2% |
Liberty Mutual | $93,630 | 10.6% |
Allstate | $88,635 | 10.1% |
USAA | $48,349 | 5.5% |
Amica | $31,046 | 3.5% |
Concord | $30,982 | 3.5% |
MetLife | $26,097 | 3.0% |
Travelers | $20,520 | 2.3% |
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.
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 two times more than Concord drivers.
Company | Annual car insurance rate |
---|---|
Allstate | $571 |
Metromile | $771 |
Progressive | $610 |
Geico | $626 |
StateFarm | $532 |
Company | Annual car insurance rate |
---|---|
Allstate | $521 |
Metromile | $841 |
Progressive | $721 |
Geico | $601 |
StateFarm | $577 |
Company | Annual car insurance rate |
---|---|
Allstate | $571 |
Metromile | $771 |
Progressive | $783 |
Geico | $589 |
StateFarm | $487 |
Company | Annual car insurance rate |
---|---|
Allstate | $448 |
Metromile | $566 |
Progressive | $529 |
Geico | $502 |
StateFarm | $407 |
Company | Annual car insurance rate |
---|---|
Allstate | $496 |
Metromile | $697 |
Progressive | $701 |
Geico | $543 |
StateFarm | $493 |
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:
You can also get additional types of insurance to better protect yourself, including:
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.
Compare car insurance companies near you.
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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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