Compare car insurance rates in New Hampshire | finder.com

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

25/50/25

Minimum liability requirements

$1,200

Average annual car insurance cost

30

Days to update your license

At-fault state

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

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting
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Compare New Hampshire car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
Geico$125,32914.2%
Progressive$112,29412.7%
State Farm$107,03312.2%
Liberty Mutual$93,63010.6%
Allstate$88,63510.1%
USAA$48,3495.5%
Amica$31,0463.5%
Concord$30,9823.5%
MetLife$26,0973.0%
Travelers$20,5202.3%

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

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

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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