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Cheap car insurance in New Hampshire

How to get the best auto insurance in New Hampshire


New hampshire street

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.

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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Compare New Hampshire car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
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Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.

Compare up to 4 providers

Most popular New Hampshire auto insurance companies list

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.

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

Car insurance quotes in Manchester

CompanyAnnual car insurance rate

Car insurance quotes in Salem

CompanyAnnual car insurance rate

Car insurance quotes in Concord

CompanyAnnual car insurance rate

Car insurance quotes in Nashua

CompanyAnnual car insurance rate

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.

Frequently asked questions

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