Why Compare Car Insurance Rates in New Hampshire:
New Hampshire car insurance is an interesting topic. It is unique in that it is the only state in the United States that does not mandate a minimum amount of liability auto insurance. If you are pulled over by a police officer and cannot present evidence of insurance, you will not be fined or penalized. Auto insurance in New Hampshire has a unique policy in the United States.
Although insurance is not required, driving without it is never a good idea. Even in New Hampshire, if you are at fault in an accident, you are responsible for all costs associated with the accident, whether they are medical expenses or property damage. You might face thousands of dollars in out-of-pocket expenses if you don't have auto insurance.
In comparison to national averages, New Hampshire car insurance is not pricey. A minimal liability policy in New Hampshire costs an average of $330 a year, compared to the national average of $573; a full coverage policy in New Hampshire costs $1110, compared to the national average of $1749.
To assist you in finding cheap car insurance, Way.com analyzed the largest car insurance companies in New Hampshire by market share. Way.com's insurance editorial team looked for New Hampshire's lowest car insurance companies by comparing prices. While price is likely to be the most important factor for policyholders looking for low-cost coverage, we also wanted to ensure that the car insurance companies we recommend have good policies.
We also considered coverage options, discounts, policy features, and third-party scores to achieve this. According to our findings, the following car insurance companies have cheap average pricing and a wide range of policy options, outstanding customer service ratings, and a long history of financial health.
If you buy insurance in New Hampshire you must have at least the following minimum coverage types and limits:
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily Injury Liability Coverage (per person) | $25000 ($50,000 for injuries resulting in death) |
| Bodily Injury Liability Coverage (per accident) | $50000 ($100000 for injuries resulting in death) |
| Property Damage Liability | $25000 |
| Uninsured Motorist | $25000 bodily injury per person $50000 bodily injury per accident |
We at Way.com found that Concord Group is the cheapest car insurance company for minimum liability coverage. With an average annual premium of $630, Concord Group's minimum liability coverage is 45% cheaper than the New Hampshire state average.
The cheapest form of insurance is minimum liability insurance, which has the lowest legal coverage limitations the state permits. For minimum liability coverage, the average cost of car insurance in New Hampshire is $609 per year or about $51 per month.
On the other hand, active-duty members, veterans, and military families may be eligible for significantly lower USAA coverage. Annual rates from USAA are $512 per year, which is $108 less than Concord Group's rate and 44% less than the state average.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $512 |
| Concord Group | $630 |
| Progressive | $738 |
| Commerce Group INC | $740 |
| State Farm | $742 |
| MetLife | $744 |
| Statewide Average | $860 |
| Amica Mutual | $1,035 |
| Nationwide | $1,057 |
| Allstate | $1,355 |
| Hanover | $1,528 |
It is always a good idea to purchase auto insurance that provides more coverage than the bare minimum to protect yourself financially. Although the premiums may be higher, you will save a lot of time, energy, and money in the long term.
It is never a good idea to carry only the state-mandated minimums, which puts you and your investments in danger. Although New Hampshire's liability limitations are higher than some other states, this does not guarantee that you will be sufficiently protected. Raising your restrictions is nearly necessary, given how quickly medical expenditures can mount, especially if you damage more than one person.
This is also true for property damage coverage, as the $25,000 limit isn't enough to cover a new car's typical cost if you need to replace one. To prevent being stuck footing the bill out of pocket, all drivers are strongly advised to increase these limitations. Bodily coverage is also your only option to protect your car.
It may be time to shop for a new policy if you're concerned about how much these coverages will add to your overall cost. Way.com can assist you in comparing quotes from a variety of leading insurance companies to acquire the best coverage at the best price.
Unlike most other states, New Hampshire does not require drivers to have car insurance. On the other hand, drivers are responsible for any damage they cause in an at-fault incident. Failure to maintain auto insurance exposes you to a significant risk of being held liable for thousands of dollars in damages and injury payments.
Although the state of New Hampshire does not mandate you to get auto insurance, a lender or leasing company may. Many insurance companies require physical damage coverage to safeguard your car from collisions and other types of damage, and this is referred to as "full coverage" on occasion.
If you're concerned about an increase in your rates, though, it could be time to look around for a better deal. Way.com is a great place to start because it allows you to compare insurance quotes from the nation's top carriers side by side.
Like most states, New Hampshire has established laws mandating car owners to have specific minimum amounts of liability auto insurance in the case of a traffic accident on the state's roads and highways.
To be lawful in New Hampshire, you merely need liability insurance. However, you can increase your insurance coverage and protection,with these additional coverage types for your car.
New Hampshire is the only state where car insurance is not required by law. This means that being stopped while uninsured will not result in a penalty. However, if you are involved in an accident, you may be subject to modest fines. More importantly, if you are at fault in the accident, you are still liable for any damages or injuries you cause, which will almost certainly exceed the cost of car insurance annually.
In New Hampshire, having car insurance is important. It's not just a legal necessity, but it's also essential for safeguarding yourself and your assets. Increasing your current limits or adding more comprehensive coverage is highly recommended to keep you safe.
According to our research, car insurance in New Hampshire is approximately 34% less expensive than the national average. Not all of New Hampshire's best insurance providers offer the same amount of coverage or price the same rates.
Car insurance prices for New Hampshire citizens are determined by several factors, including the driver's age, gender, safety record, and even credit score.
According to our research, USAA provides the cheapest car insurance rates in New Hampshire on average for those who qualify, with the Concord Group coming in second.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $533 |
| Concord Group | $660 |
| Progressive | $761 |
| State Farm | $786 |
| Statewide Average | $880 |
| Nationwide | $974 |
| Amica Mutual | $1,093 |
| Allstate | $1,407 |
An individual's driving record can affect their car insurance rate across the country, with the lowest rates for drivers with clean histories.
For New Hampshire drivers with clean driving records, USAA and the Concord Group charge the lowest prices on average. According to our research, good drivers who Allstate insures pay the most.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $533 |
| Concord Group | $660 |
| Progressive | $761 |
| State Farm | $786 |
| Statewide Average | $880 |
| Nationwide | $974 |
| Amica Mutual | $1,093 |
| Allstate | $1,407 |
Younger, less experienced drivers typically pay higher insurance rates across the country, and this basic guideline also applies to New Hampshire. According to our research, Progressive charges the most in this age group, while the Concord Group charges the least. Gender plays a role as well.
| COMPANY | 18-YEAR-OLD FEMALE | 18-YEAR-OLD MALE |
|---|---|---|
| Allstate | $2,672 | $3,321 |
| Amica Mutual | $3,871 | $4,226 |
| Concord Group | $1,643 | $1,784 |
| Nationwide | $3,235 | $4,240 |
| Progressive | $5,065 | $5,341 |
| State Farm | $2,587 | $3,231 |
| USAA | $2,050 | $2,257 |
| Statewide Average | $2,939 | $3,358 |
Moving offenses are not treated equally by all insurance. According to our research, drivers with the one speeding violation in New Hampshire who Hanover insures pay the highest rates, while those insured by USAA and the Concord Group pay the lowest.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $611 |
| Concord Group | $743 |
| State Farm | $786 |
| Commerce Group INC | $833 |
| Progressive | $1,006 |
| Statewide Average | $1,037 |
| Nationwide | $1,200 |
| Amica Mutual | $1,343 |
| MetLife | $1,537 |
| Allstate | $1,612 |
| Hanover | $4,319 |
According to our research, most of New Hampshire's leading car insurance companies to consider an accident more serious than speeding. Those with one collision on their record who Hanover covers pay the highest for insurance, while those insured by USAA and the Concord Group pay the least.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $725 |
| Concord Group | $843 |
| Commerce Group INC | $862 |
| State Farm | $994 |
| Statewide Average | $1,193 |
| Progressive | $1,269 |
| Amica Mutual | $1,343 |
| MetLife | $1,889 |
| Nationwide | $1,539 |
| Allstate | $1,945 |
| Hanover | $6,425 |
According to our data, drivers with one DUI pay 88% more than those with a clean record in New Hampshire. Drivers covered by Hanover Insurance pay the most, while those insured by USAA or Progressive who have had one DUI pay the least.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $850 |
| Progressive | $871 |
| Concord Group | $1,121 |
| Commerce Group INC | $1,353 |
| State Farm | $1,374 |
| Statewide Average | $1,638 |
| Allstate | $1,753 |
| MetLife | $1,765 |
| Nationwide | $1,886 |
| Amica Mutual | $3,540 |
| Hanover | $6,689 |
State Farm is the best price in New Hampshire for married drivers, with an average annual premium of $771 for full coverage, $609 less than the statewide average. In New Hampshire, auto insurers view married drivers as a lower risk and may provide lower rates. According to our research, married drivers pay an average of $88 less than unmarried drivers.
| Company | Rates |
|---|---|
| State Farm | $771 |
| Concord | $789 |
| Progressive | $1020 |
| Allstate | $1827 |
| Hanover | $3833 |
State Farm offers the most economical insurance for young people who have caused an accident. The company's minimal coverage costs are 72% less expensive than the norm, at $1218 annually and $102 monthly.
Young drivers already have expensive insurance costs, but those involved in an at-fault accident face significantly higher rates. We discovered that following a crash, young New Hampshire drivers pay an average annual premium of $2,696 – 38% more than young drivers with a clean record.
| Company | Rates |
|---|---|
| State Farm | $1278 |
| Concord | $1410 |
| Allstate | $1902 |
| Progressive | $3189 |
Full coverage auto insurance prices in New Hampshire can vary by as much as $456 per year, depending on where you reside. Because accidents and auto theft are more likely in urban regions, insurers often charge higher rates to policyholders who live in larger cities.
At $1761 per year, Manchester is the most expensive city in New Hampshire for car insurance. On the other hand, West Swanzey is the cheapest at $1305 per year.
| City | Annual Rate |
|---|---|
| Alton Bay | $1,469 |
| Antrim | $1,445 |
| Ashland | $1,397 |
| Ashuelot | $1,325 |
| Barnstead | $1,457 |
| Belmont | $1,445 |
| Berlin | $1,529 |
| Bretton Woods | $1,457 |
| Bristol | $1,409 |
| Center Barnstead | $1,469 |
| Center Conway | $1,457 |
| Center Ossipee | $1,517 |
| Center Sandwich | $1,457 |
| Center Strafford | $1,421 |
| Center Tuftonboro | $1,505 |
| Charlestown | $1,361 |
| Chesterfield | $1,361 |
| Chocorua | $1,481 |
| Claremont | $1,433 |
| Colebrook | $1,433 |
| Concord | $1,397 |
| Contoocook | $1,361 |
| Conway | $1,469 |
| Cornish Flat | $1,373 |
| Derry | $1,625 |
| Dover | $1,421 |
| Drewsville | $1,361 |
| Durham | $1,433 |
| East Andover | $1,421 |
| East Candia | $1,505 |
| East Derry | $1,541 |
| East Hampstead | $1,673 |
| East Hebron | $1,445 |
| East Merrimack | $1,553 |
| East Wakefield | $1,505 |
| Eaton Center | $1,481 |
| Elkins | $1,397 |
| Enfield | $1,349 |
| Enfield Center | $1,409 |
| Epping | $1,493 |
| Etna | $1,397 |
| Exeter | $1,469 |
| Farmington | $1,433 |
| Franklin | $1,445 |
| Georges Mills | $1,397 |
| Gilmanton Iron Works | $1,457 |
| Glen | $1,469 |
| Glencliff | $1,433 |
| Goffstown | $1,541 |
| Greenville | $1,481 |
| Groveton | $1,469 |
| Guild | $1,385 |
| Hampton | $1,469 |
| Hampton Beach | $1,469 |
| Hanover | $1,385 |
| Haverhill | $1,409 |
| Hebron | $1,445 |
| Henniker | $1,469 |
| Hillsborough | $1,469 |
| Hooksett | $1,589 |
| Hudson | $1,649 |
| Intervale | $1,373 |
| Jaffrey | $1,373 |
| Kearsarge | $1,469 |
| Keene | $1,373 |
| Laconia | $1,481 |
| Lancaster | $1,469 |
| Lebanon | $1,385 |
| Lincoln | $1,421 |
| Lisbon | $1,433 |
| Littleton | $1,445 |
| Lochmere | $1,445 |
| Londonderry | $1,613 |
| Lyme Center | $1,397 |
| Manchester | $1,757 |
| Melvin Village | $1,529 |
| Meredith | $1,433 |
| Meriden | $1,349 |
| Milford | $1,481 |
| Milton Mills | $1,481 |
| Mirror Lake | $1,481 |
| Monroe | $1,433 |
| Mount Washington | $1,469 |
| Munsonville | $1,373 |
| Nashua | $1,565 |
| Nelson | $1,373 |
| Newmarket | $1,433 |
| Newport | $1,385 |
| Newton Junction | $1,673 |
| North Conway | $1,457 |
| North Haverhill | $1,397 |
| North Salem | $1,589 |
| North Sandwich | $1,457 |
| North Stratford | $1,433 |
| North Sutton | $1,385 |
| North Walpole | $1,361 |
| North Woodstock | $1,421 |
| Peterborough | $1,469 |
| Piermont | $1,397 |
| Pike | $1,409 |
| Pinardville | $1,553 |
| Plymouth | $1,385 |
| Portsmouth | $1,445 |
| Randolph | $1,457 |
| Raymond | $1,493 |
| Rochester | $1,409 |
| Rye Beach | $1,469 |
| Sanbornville | $1,493 |
| Seabrook Beach | $1,553 |
| Silver Lake | $1,481 |
| Somersworth | $1,409 |
| South Acworth | $1,409 |
| South Hooksett | $1,565 |
| South Newbury | $1,421 |
| South Sutton | $1,397 |
| South Tamworth | $1,481 |
| Spofford | $1,373 |
| Stinson Lake | $1,397 |
| Sugar Hill | $1,457 |
| Suncook | $1,337 |
| Tilton Northfield | $1,349 |
| Troy | $1,385 |
| Twin Mountain | $1,457 |
| Union | $1,421 |
| Waterville Valley | $1,433 |
| West Chesterfield | $1,361 |
| West Lebanon | $1,385 |
| West Nottingham | $1,517 |
| West Ossipee | $1,505 |
| West Peterborough | $1,469 |
| West Stewartstown | $1,421 |
| West Swanzey | $1,301 |
| Winchester | $1,337 |
| Winnisquam | $1,457 |
| Wolfeboro | $1,469 |
| Wolfeboro Falls | $1,493 |
| Wonalancet | $1,505 |
| Woodsville | $1,409 |
Cheap auto insurance in New Hampshire with bad credit
| Company | Avg. Annual Premium |
|---|---|
| USAA | $1,489 |
| Nationwide | $1,647 |
| Progressive | $2,045 |
| State Farm | $2,324 |
| Allstate | $2,816 |
| Metropolitan | $3,096 |
New Hampshire auto insurance rate by violation
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| One Med/PIP claim | $1,291 | 1% | $10 |
| None | $1,291 | 1% | $10 |
| Not-at-fault accident | $1,306 | 2% | $25 |
| Two Med/PIP claims | $1,325 | 4% | $44 |
| One comp claim | $1,325 | 4% | $44 |
| Two comp claims | $1,334 | 4% | $53 |
| Failure to show documents | $1,490 | 17% | $209 |
| Driving without lights | $1,500 | 17% | $219 |
| Driving with expired registration | $1,504 | 18% | $223 |
| Failure to wear a seat belt | $1,506 | 18% | $225 |
| Child safety restraint | $1,520 | 19% | $239 |
| At-fault accident - less than $1000 | $1,521 | 19% | $240 |
| Speeding 6 - 10 MPH over limit | $1,531 | 20% | $250 |
| Speeding 11 - 15 MPH over limit | $1,531 | 20% | $250 |
| Driving too slowly | $1,536 | 20% | $255 |
| Speeding 16 - 20 MPH over limit | $1,539 | 20% | $258 |
| Speeding in school zone | $1,544 | 21% | $263 |
| In 65 MPH zone | $1,546 | 21% | $265 |
| Wrong way/wrong lane | $1,548 | 21% | $267 |
| Following too closely | $1,548 | 21% | $267 |
| Illegal turn | $1,552 | 21% | $271 |
| Failure to yield | $1,552 | 21% | $271 |
| Failure to stop at a red light | $1,552 | 21% | $271 |
| Speeding 21 - 25 MPH over limit | $1,573 | 23% | $292 |
| Improper passing | $1,594 | 25% | $313 |
| Cell phone violation | $1,643 | 29% | $362 |
| Texting while driving | $1,643 | 29% | $362 |
| At-fault accident - $1000-$2000 | $1,724 | 35% | $443 |
| Passing school bus | $1,755 | 37% | $474 |
| At-fault accident - greater than $2000 | $1,925 | 50% | $644 |
| Open container | $1,942 | 52% | $661 |
| Operating a vehicle without permission | $2,043 | 60% | $762 |
| Racing | $2,305 | 80% | $1,024 |
| Reckless driving | $2,453 | 92% | $1,12 |
| Driving with a suspended license | $2,564 | 100% | $1,283 |
| DUI | $2,583 | 102% | $1,302 |
| Refusal to submit to a chemical test | $2,583 | 102% | $1,302 |
| Leaving scene of an accident/hit and run | $2,652 | 107% | $1,371 |
Car insurance price trends in New Hampshire
| Year | Avg. Annual Premium — New Hampshire | Yearly Change — New Hampshire | Avg. Annual Premium — US | Yearly Change — US |
|---|---|---|---|---|
| 2021 | $1009 | $48 | $1,539 | $56 |
| 2020 | $971 | -$49 | $1,493 | -$21 |
| 2019 | $1,030 | -$103 | $1,554 | $23 |
| 2018 | $1,143 | -$653 | $1,531 | $94 |
| 2017 | $1,806 | $244 | $1,447 | $79 |
| 2016 | $1,572 | -$313 | $1,378 | $98 |
| 2015 | $1,895 | $226 | $1,290 | $61 |
| 2014 | $1,679 | $165 | $1,239 | $24 |
| 2013 | $1,524 | -$53 | $1,205 | -$70 |
| 2012 | $1,587 | $333 | $1,286 | $92 |
Working with a qualified insurance agent may be beneficial if you are unsure how much coverage you require or what policy types to obtain. An agent may be able to recommend coverages and levels of coverage that are appropriate for your circumstance.
If you are looking for cheap car Insurance quotes in New Hampshire, don't worry. Way.com analysts and the editorial team have compiled the list of best auto insurance in New Hampshire that will provide you with cheap auto insurance quotes in New Hampshire.
However, finding low-cost auto insurance in New Hampshire is not impossible. To assist you in your insurance purchasing, Way.com analyzed the market share of some of the state's largest insurers to see which ones offer the lowest auto insurance in New Hampshire. We incorporate up-to-date quoted premiums and insurance carrier reviews in our analysis to speed your study because we keep a close eye on the insurance market.
The expert analysts at Way.com performed an annual survey of the best car insurance companies in New Hampshire to see which ones have the best coverage, rates, and service. The survey assigns points to insurance firms based on how well they handle billing and policy details, claims management, customer engagement, policy offerings, pricing, and overall customer satisfaction.
Getting discounts on Car insurance in New hampshire entails a tried and tested selection process. Shortlist the insurance firms in New Hampshire you can partner with, compare their discounts (both the initial discount and the benefits you can avail after signing up). Once you shortlist your options, you can even give a call to the representatives and get details dfrom them before finalising.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The following businesses offer the most affordable full coverage car insurance in New Hampshire:
USAA - $444 (for former and current military members only)
Progressive - $603
MetLife is the most expensive for full coverage insurance, with an average annual cost of $1662.
New Hampshire Motor Vehicle Laws do not force you to have Auto Insurance. Still, you must be able to demonstrate that you have enough finances to meet New Hampshire Motor Vehicle Financial Responsibility Requirements in the case of an “at-fault” collision.
The average annual vehicle insurance premium in New Hampshire is $1089, which is 24.1 percent less than the national average.
Unlike almost every other state, New Hampshire does not require all drivers to get auto insurance. However, the state does require drivers to bear the costs of bodily harm and property damage if they cause an accident.
New Hampshire Motor Vehicle Laws do not force you to have Auto Insurance. Still, you must be able to demonstrate that you have enough finances to meet New Hampshire Motor Vehicle Financial Responsibility Requirements in the case of an “at-fault” collision.
Yes, New Hampshire is a fault-finding state. Although several states have adopted a no-fault system for auto accidents, New Hampshire is not one. Instead, it is still essential to determine who is to blame for a car collision on New Hampshire highways.
In New Hampshire, personal injury protection insurance (PIP) is not needed. New Hampshire drivers are not required to get car insurance, and if they do, New Hampshire policies include medical payments insurance (MedPay) rather than PIP.
Full glass coverage in New Hampshire refers to having glass coverage without paying the typical deductible as part of comprehensive coverage. Windshields and external glass are typically covered under comprehensive coverage, subject to the chosen deductible (often $100, $250, $500, or $1000).
Three (3) years from the date of final conviction/crash involvement or administrative action requiring such documentation is the minimum filing timeframe. If convicted of a second offense of Driving While Intoxicated, the sentence is suspended for three years from the date of eligibility for restoration.
There is no mandated insurance law in New Hampshire. The Division of Motor Vehicles highly advises and urges all motor vehicle owners to obtain standard liability and property damage insurance. Persons may be required to have insurance by the Division of Motor Vehicles (SR-22).
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