- Average cost of car insurance in New Hampshire
- Best car insurance companies in New Hampshire
- Cheapest car insurance companies 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
- Methodology
- Compare auto 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 | Avg. Annual Premium | JD Power | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A++ | $803 | 840 | 0.50 | 3.92 |
| The Hanover | A | $1,027 | 835 | 0.60 | 3.35 |
| State Farm | A++ | $1,155 | 829 | 0.70 | 3.25 |
| Nationwide | A+ | $1,145 | 810 | 0.64 | 3.07 |
| Geico | A++ | $1,212 | 836 | 0.91 | 2.99 |
| Progressive | A+ | $1,343 | 802 | 0.65 | 2.94 |
| Allstate | A+ | $2,123 | 816 | 0.65 | 2.43 |
| Farmers | A | $1,954 | 821 | 0.80 | 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.
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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 |
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.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | Auto-Owners | $1,840 |
| Teens (16-19) | The Hanover | $1,860 |
| Teens (16-19) | MMG Insurance | $2,366 |
| Teens (16-19) | USAA* | $3,897 |
| Teens (16-19) | State Farm | $3,964 |
| Teens (16-19) | Geico | $4,062 |
| Teens (16-19) | Nationwide | $4,358 |
| Teens (16-19) | Allstate | $4,974 |
| Teens (16-19) | Progressive | $6,446 |
| Teens (16-19) | Farmers | $7,646 |
| Young Adults (20-24) | Auto-Owners | $1,271 |
| Young Adults (20-24) | The Hanover | $1,292 |
| Young Adults (20-24) | USAA* | $1,468 |
| Young Adults (20-24) | MMG Insurance | $1,702 |
| Young Adults (20-24) | State Farm | $1,990 |
| Young Adults (20-24) | Geico | $2,031 |
| Young Adults (20-24) | Nationwide | $2,063 |
| Young Adults (20-24) | Progressive | $2,416 |
| Young Adults (20-24) | Allstate | $3,120 |
| Young Adults (20-24) | Farmers | $3,797 |
| Adults (25-60) | Auto-Owners | $836 |
| Adults (25-60) | USAA* | $875 |
| Adults (25-60) | The Hanover | $988 |
| Adults (25-60) | MMG Insurance | $1,093 |
| Adults (25-60) | Nationwide | $1,143 |
| Adults (25-60) | State Farm | $1,166 |
| Adults (25-60) | Geico | $1,266 |
| Adults (25-60) | Progressive | $1,360 |
| Adults (25-60) | Farmers | $1,946 |
| Adults (25-60) | Allstate | $2,218 |
| Seniors (65-75) | Auto-Owners | $852 |
| Seniors (65-75) | USAA* | $936 |
| Seniors (65-75) | The Hanover | $940 |
| Seniors (65-75) | State Farm | $1,123 |
| Seniors (65-75) | Nationwide | $1,133 |
| Seniors (65-75) | MMG Insurance | $1,188 |
| Seniors (65-75) | Geico | $1,277 |
| Seniors (65-75) | Progressive | $1,426 |
| Seniors (65-75) | Farmers | $1,918 |
| Seniors (65-75) | Allstate | $2,361 |
*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 |
|---|---|---|---|
| USAA* | $732 | $1,199 | $887 |
| Auto-Owners | $749 | $1,219 | $920 |
| Geico | $771 | $1,704 | $1,459 |
| State Farm | $844 | $1,065 | $898 |
| Progressive | $865 | $1,571 | $1,177 |
| Nationwide | $869 | $1,465 | $1,394 |
| Auto Club Enterprises (AAA) | $1,148 | $1,596 | $1,717 |
| Allstate | $1,635 | $2,527 | $1,905 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in New Hampshire
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in New Hampshire.
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 deductible.
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.
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