Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Cheap car insurance in New Hampshire

Compare the best auto insurance in New Hampshire

New Hampshire drivers pay an average of $882.65 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $73.55 per month. New Hampshire drivers pay about 26% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

New Hampshire car insurance quick facts

Picture not described

Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$882.65

At-fault state

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

New Hampshire doesn’t require auto insurance

New Hampshire is one of a few states that 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. You’ll have to prove you have the funds to pay for damage after a car accident with proof of financial responsibility.

Despite having no legal obligation, most New Hampshire drivers opt to get car insurance anyway so they’re covered if an accident happens. If you do decide to carry car insurance in this state, your policy must include:

    Bodily Injury Liability

    New Hampshire bodily injury liability

    • $25,000 bodily injury liability per person
    • $50,000 bodily injury per accident

    If you decide to buy car insurance, New Hampshire requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident. That’s right in line with what most states across the US require for this coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    New Hampshire property damage liability

    • $25,000 property damage liability

    New Hampshire requires drivers who decide to buy car insurance to carry $25,000 of property damage liability to legally drive. This is the highest required property damage limit across the US, with 18 other states requiring this amount.

    This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Uninsured or underinsured motorist

    New Hampshire uninsured or underinsured motorist

    • $25,000 uninsured or underinsured motorist bodily injury per person
    • $50,000 uninsured or underinsured motorist bodily injury per accident

    New Hamshire requires all drivers who buy car insurance to carry $25,000 of uninsured motorist bodily injury per person and $50,000 uninsured motorist bodily injury per accident to legally drive. Plus, if you raise your liability limits, you’re required to carry the same amount of uninsured liability limits. Near half of the states across the US require some sort of uninsured motorist coverage, though some other states let you opt-out.

    This coverage protects you if you get hit by an uninsured or underinsured driver. It pays for medical bills for you and your passengers.

    Personal injury protection or medical payments

    New Hampshire medical payments coverage

    • $1,000 medical payments coverage

    New Hampshire drivers who buy car insurance are required to carry $1,000 worth of medical payments coverage to legally drive.

    This coverage helps pay your or your passenger’s medical expenses if you’re injured in an accident, regardless of fault. It can help with things like doctor’s visits, surgery or health insurance deductibles.

    Finder tip: State minimum coverage isn’t enough

    These state-mandated requirements for people who buy car insurance are the lowest amount of coverage you need to legally drive in New Hampshire, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    In New Hampshire, the driver at fault pays for damage

    New Hampshire is an at-fault state, which means that the driver who caused the car accident pays for the damage. Your insurance company and legal authorities will determine who’s at fault, based on the accident details.

    However, New Hampshire also considers whether both drivers are partially at fault under a modified comparative fault law, according to the legal website Nolo. Under this law, both drivers are assigned a percentage of fault. Drivers with less than 50% of fault can get paid for their damages by other drivers.

    For example, if you’re 80% responsible for an accident, your insurance will pay 80% of the other driver’s damages. However, since you’re over 50% at fault, the other driver isn’t required to pay for your damages.

    7 factors that affect car insurance rates in New Hampshire

    Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down New Hampshirites’ rating factors to keep in mind.

    FactorHow it affects your rates
    Age

    Age

    How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
    Gender

    Gender

    New Hampshire takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
    Location

    Location

    Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

    New Hampshire vehicle theft rates stand at 76.4 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s the third lowest number of vehicle thefts per 100,000 inhabitants across the US.

    As for uninsured drivers, 6.1% of New Hamshirites on the road are uninsured. That’s far less than average for the percentage of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%.

    Vehicle and mileage

    Vehicle and mileage

    Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

    Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

    And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, New Hampshirites drive an average of 34 miles per day, that’s below the average across the US of 36.1 miles per day.

    Credit score

    Credit score

    Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

    New Hampshire drivers have protections under state laws that regulate the use of credit history when issuing car insurance policies. Credit score can’t be the only factor used to determine your rates.

    Coverage

    Coverage

    The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.
    Driving Record

    Driving Record

    The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in New Hampshire can increase your rate by around 79%. These types of violations typically stay on your record for about three years.

    How does SR-22 insurance work in New Hampshire?

    While New Hampshire doesn’t mandate regular car insurance to drive, you may be required to carry SR-22 insurance if you’re convicted of a DUI, DWI, have multiple driving offenses, left the scene of an accident, were at fault in an accident when you didn’t have car insurance, or other serious incidents. If you’re required to file an SR-22 in New Hampshire, you’ll be notified by your DMV, and it may be required for a minimum of three years.

    Coverage to consider in New Hampshire

    New Hampshirites pay less on average for auto insurance compared to the other states, and New Hampshire’s minimum insurance requirements are pretty standard. However, if you have some room in your budget and need extra protection, there’s additional coverage worth considering.

    Roadside assistance for peace of mind

    It’s never convenient to get stranded with car troubles in inclement weather – and New Hampshire experiences the glory of all four seasons. If you have an older vehicle that’s prone to breaking down, or you commute a lot, then roadside assistance could be worth the extra cost.

    Consider roadside assistance if . . .

    • You drive a lot.
    • You heavily rely on your car day to day.
    • You live in an area with harsh weather.
    • You have an older vehicle that’s no longer covered by its factory warranty.

    You may want some more medical coverage in New Hampshire

    To drive your car in New Hampshire, you’re required to carry $1,000 of medical payments coverage, but this may not be enough if you’re in a serious accident. If you don’t have health insurance or your health insurance copays are high, then you may want to consider upping this coverage.

    Consider more medical payments coverage if . . .

    • You don’t have any health insurance.
    • Your health insurance copays are high.
    • You don’t have the funds to pay for costly medical bills out of pocket.

    Comprehensive coverage for everything else

    Luck favors the prepared, and comprehensive coverage can help you cover all your bases. It’s commonly called “everything other than collision” coverage because it can help cover unexpected events like theft, fire, storm damage, and animal strikes. According to NH.gov, there’s an estimated 1,200 deer/vehicle collisions in New Hampshire each year.

    Consider comprehensive coverage if . . .

    • You have an auto loan and your lender requires it.
    • You live in an area with harsh weather.
    • You heavily rely on your vehicle.
    • You live in a rural area with large wildlife.
    • You don’t have the funds to fix major vehicle damage unexpectedly.

    Top 10 auto insurance companies in USA that serve New Hampshire

    We’ve pulled the top 10 companies by market share that offer coverage in New Hampshire according to S&P Global. Compare top companies by three major rating agencies along with our overall score.

    • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
    • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
    • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
    • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
    Provider
    BBB Rating
    JD Power Rating
    NAIC complaint ratio
    National market share %
    Finder score
    Go to site
    State Farm
    A+
    847/1000
    1.93
    16.2

    ★★★★★ 4/5

    Read review

    Geico
    A+
    832/1000
    1.42
    13.6

    ★★★★★ 4/5

    Read review

    Progressive
    A+
    830/1000
    1.05
    13.3

    ★★★★★ 4/5

    Get Quotes
    Allstate
    A+
    827/1000
    2.71
    10.4

    ★★★★★ 4/5

    Get Quotes
    USAA
    A+
    884/1000
    1.9
    6.3

    ★★★★★ 4/5

    Get Quotes
    Farmers
    A-
    820/1000
    1.64
    4.9

    ★★★★★ 4/5

    Read review

    Liberty Mutual
    A+
    827/1000
    2.2
    4.7

    ★★★★★ 4/5

    ;

    Get Quotes
    Nationwide
    A+
    814/1000
    2.08
    2.3

    ★★★★★ 4/5

    Read review

    Travelers
    A+
    820/1000
    3.28
    2

    ★★★★★ 4/5

    Read review

    Auto Club Exchange
    A+
    NR
    NR
    1.4

    ★★★★★ 4/5

    Get Quotes

    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 two times more than Concord drivers.

    Car insurance quotes in Derry

    CompanyAnnual car insurance rate
    Allstate$571
    Metromile$771
    Progressive$610
    Geico$626
    StateFarm$532

    Car insurance quotes in Manchester

    CompanyAnnual car insurance rate
    Allstate$521
    Metromile$841
    Progressive$721
    Geico$601
    StateFarm$577

    Car insurance quotes in Salem

    CompanyAnnual car insurance rate
    Allstate$571
    Metromile$771
    Progressive$783
    Geico$589
    StateFarm$487

    Car insurance quotes in Concord

    CompanyAnnual car insurance rate
    Allstate$448
    Metromile$566
    Progressive$529
    Geico$502
    StateFarm$407

    Car insurance quotes in Nashua

    CompanyAnnual car insurance rate
    Allstate$496
    Metromile$697
    Progressive$701
    Geico$543
    StateFarm$493

    Compare car insurance providers in New Hampshire

    Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
    Allstate
    Yes
    Yes
    Drivewise
    Yes
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

    Speak to an agent: 877-526-1527

    Progressive
    loan/lease coverage
    Yes
    Snapshot
    Yes
    All 50 states & DC
    Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
    Pretected
    Yes
    Depends on provider
    No
    No
    All 50 states
    Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
    Root
    No
    Yes
    Telematics only
    Yes
    Available in 31 states
    Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
    The AARP Auto Insurance Program from the Hartford
    Yes
    Yes
    TrueLane®
    No
    All 50 states
    Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
    USAA
    No
    Yes
    SafePilot
    Yes
    All 50 states & DC
    Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
    Branch
    Yes
    No
    Yes
    Yes
    AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
    Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
    Metromile
    No
    No
    Telematics only
    Yes
    AZ, CA, IL, NJ, OR, PA, VA, WA
    Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
    Liberty Mutual
    Yes
    Yes
    RightTrack
    Yes
    All 50 states & DC
    Earn free accident forgiveness after five years claims-free and customize your policy anytime.

    Speak to an agent: 877-336-0538

    Nationwide
    Yes
    No
    Yes
    Yes
    All states except AK, HI, LA, MA
    Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
    Savvy
    Yes
    Depends on provider
    No
    Yes
    All states & DC
    Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
    Sigo Seguros
    Sigo Seguros
    No
    Yes
    No
    Yes
    Texas
    Sigo Seguors is an online-based car insurance company catering to the Spanish-speaking community. Texans can get a free quote and sign up online in minutes.
    AAA
    Yes
    Yes
    No
    Yes
    AK, AZ, CA, MT, NV, UT and WY
    Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
    Elephant
    loan/lease coverage
    Yes
    No
    No
    GA, IL, IN, MD, OH, TN, TX, VA
    Get a great deal online with steep discounts and some of the highest liability limits available.
    State Farm
    No
    Yes
    Drive Safe and Save
    Yes
    All 50 states
    Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.

    Speak to an agent: 877-745-0232

    Allied
    Yes
    Yes
    Nationwide SmartRide
    No
    AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI& WY
    Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
    Assurance
    Yes
    Yes
    No
    Yes
    All states except AK & HI
    This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
    loading

    Compare up to 4 providers

    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.

    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.

    Frequently asked questions

    More guides on Finder

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site