- Average cost of car insurance in New Hampshire
- Best car insurance companies in New Hampshire
- Cheapest car insurance companies in New Hampshire
- New Hampshire car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in New Hampshire
- Cheapest car insurance cost in New Hampshire by age
- Cheapest car insurance companies in New Hampshire by driver profile
- Compare auto insurance rates by city in New Hampshire
- Car insurance premium trends in New Hampshire
- Methodology
- Compare New Hampshire car insurance rates with other states
Average cost of car insurance in New Hampshire
The average car insurance rate in New Hampshire is $1,265 annually for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. The average annual cost in New Hampshire is $397 for state minimum coverage.
Best car insurance companies in New Hampshire
Auto-Owners is the best car insurance company in New Hampshire, based on an analysis by Insurance.com, with an overall rating of 3.92. The Hanover ranked second.
Below is a list of the top New Hampshire insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 840 | 0.5 | $803 | 3.92 |
| The Hanover | A | 835 | 0.6 | $1,027 | 3.35 |
| State Farm | A++ | 829 | 0.7 | $1,155 | 3.25 |
| Nationwide | A+ | 810 | 0.64 | $1,145 | 3.07 |
| Geico | A++ | 836 | 0.91 | $1,212 | 2.99 |
| Progressive | A+ | 802 | 0.65 | $1,343 | 2.94 |
| Allstate | A+ | 816 | 0.65 | $2,123 | 2.43 |
| Farmers | A | 821 | 0.8 | $1,954 | 2.34 |
Cheapest car insurance companies in New Hampshire
Don't just go with the first insurer you come across. Comparison shopping is the key to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in New Hampshire and compiled a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Auto-Owners is the cheapest company that is open to all drivers, with an average annual rate of $803 for full coverage in New Hampshire.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Auto-Owners | $222 | $255 | $803 |
| USAA | $232 | $259 | $852 |
| The Hanover | $191 | $227 | $1,027 |
| MMG Insurance | $242 | $255 | $1,038 |
| Nationwide | $686 | $626 | $1,145 |
| State Farm | $306 | $349 | $1,155 |
| Geico | $361 | $395 | $1,212 |
| Progressive | $417 | $434 | $1,343 |
| Farmers | $507 | $499 | $1,954 |
| Allstate | $808 | $857 | $2,123 |
*USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in New Hampshire
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 03104 | Manchester | $133 |
| 03101 | Manchester | $133 |
| 03102 | Manchester | $130 |
| 03103 | Manchester | $130 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 34310 | Keene | $106 |
| 34460 | Swanzey | $107 |
| 37480 | Enfield | $108 |
| 34480 | Gilsum | $108 |
The New Hampshire Insurance Department says...
New Hampshire motor vehicle laws do not require you to carry auto insurance, but you must be able to demonstrate that you are able to provide sufficient funds to meet New Hampshire motor vehicle financial responsibility requirements in the event of an "atfault" accident. If you are unable to meet these requirements your driving privileges in New Hampshire may be suspended.
- The New Hampshire Insurance DepartmentNew Hampshire car insurance requirements
New Hampshire's minimum car insurance coverage limits are 25/50/25. New Hampshire's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $394 annually or $33 monthly.
Minimum liability insurance requirements for New Hampshire:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $25,000 per person
- Personal injury protection (PIP): $1,000 per person
- Uninsured/underinsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident
Cheapest car insurance companies for minimum liability coverage in New Hampshire
According to Insurance.com, The Hanover provides the cheapest state minimum liability insurance, averaging $183 annually or $15 monthly.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in New Hampshire.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| The Hanover | $183 | $15 |
| USAA* | $228 | $19 |
| Auto-Owners | $230 | $19 |
| MMG Insurance | $261 | $22 |
| State Farm | $306 | $26 |
| Geico | $346 | $29 |
| Progressive | $404 | $34 |
| Farmers | $501 | $42 |
| Nationwide | $675 | $56 |
| Allstate | $808 | $67 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in New Hampshire by age
In New Hampshire, car insurance rates are higher for teenagers because they’re more likely to be involved in an accident.
Auto-Owners offers the cheapest car insurance for teen drivers in New Hampshire at $1,840 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In New Hampshire, Auto-Owners offers the cheapest full coverage car insurance for adult and senior drivers at $836 per year and $852 per year.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Nationwide | $4,681 | $390 |
| State Farm | $4,919 | $410 |
| Geico | $5,525 | $460 |
| USAA | $6,213 | $518 |
| Allstate | $6,395 | $533 |
| Progressive | $8,373 | $698 |
| Farmers | $8,775 | $731 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in New Hampshire by driver profile
Drivers with accidents or tickets are considered a higher risk and will pay higher rates.
The severity and frequency of the incidents will also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller rate increase than those with multiple major accidents.
Below are average New Hampshire rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Auto-Owners | $803 | $1,154 | $921 |
| USAA | $852 | $1,255 | $984 |
| The Hanover | $1,027 | $1,603 | $1,027 |
| State Farm | $1,155 | $1,233 | $1,155 |
| Progressive | $1,343 | $2,146 | $1,772 |
| Nationwide | $1,145 | $1,671 | $1,910 |
| Geico | $1,212 | $2,390 | $2,403 |
| Allstate | $2,123 | $3,105 | $2,443 |
| Farmers | $1,954 | $3,402 | $2,585 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in New Hampshire
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in New Hampshire will impact what you pay. Below, we've gathered New Hampshire car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Berlin | $1,279 |
Claremont | $1,212 |
Concord | $1,218 |
Manchester | $1,436 |
Nashua | $1,317 |
Rochester | $1,239 |
Car insurance premium trends in New Hampshire
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in New Hampshire to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
Compare New Hampshire car insurance rates with other states
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