- 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 $1,650 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 $447 for state minimum coverage.
Best car insurance companies in New Hampshire
State Farm is the best car insurance company in New Hampshire, based on our data analysis, with an overall rating of 4.61. GEICO 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 |
|---|---|---|---|---|---|
| State Farm | A++ | 664 | 0.79 | $1,155 | 4.61 |
| GEICO | A++ | 638 | 0.69 | $1,212 | 4.39 |
| Progressive | A+ | 620 | 0.71 | $1,343 | 3.97 |
| Allstate | A+ | 646 | 1.1 | $2,123 | 3.21 |
| Farmers | A | 600 | 0.86 | $1,954 | 3 |
| USAA | A++ | 741 | 1.18 | $852 | 4.46 |
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, The Hanover is the cheapest company that is open to all drivers, with an average annual rate of $1,144 for full coverage in New Hampshire.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| The Hanover | $197 | $235 | $1,144 |
| GEICO | $340 | $371 | $1,206 |
| Auto-Owners | $294 | $335 | $1,377 |
| Nationwide | $737 | $712 | $1,475 |
| MMG Insurance | $262 | $275 | $1,606 |
| Progressive | $552 | $589 | $1,859 |
| Allstate | $723 | $782 | $1,904 |
| State Farm | $643 | $726 | $2,280 |
| Farmers | $647 | $640 | $2,784 |
| USAA | $267 | $296 | $1,036 |
*USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in New Hampshire
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Manchester | $734 | $61 |
| Salem | $698 | $58 |
| Derry | $686 | $57 |
| Pelham | $685 | $57 |
| Atkinson | $684 | $57 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Thornton | $488 | $41 |
| Orford | $491 | $41 |
| Warren | $494 | $41 |
| Wentworth | $494 | $41 |
| North Woodstock | $494 | $41 |
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 $447 annually or $37 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 $235 annually or $20 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 | $235 | $20 |
| MMG Insurance | $275 | $23 |
| Auto-Owners | $335 | $28 |
| GEICO | $371 | $31 |
| Progressive | $589 | $49 |
| Farmers | $640 | $53 |
| Nationwide | $712 | $59 |
| State Farm | $726 | $60 |
| Allstate | $782 | $65 |
| USAA | $296 | $25 |
*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.
The Hanover offers the cheapest car insurance for a 16-year-old driver in New Hampshire at $2,489 per year.
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, The Hanover also offers the cheapest full coverage car insurance for a 25-year-old and a 65-year-old driver at $1,244 per year and $947per year, respectively.
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.
| The Hanover | $2,489 | $207 |
| Auto-Owners | $3,544 | $295 |
| MMG Insurance | $4,543 | $379 |
| GEICO | $5,492 | $458 |
| Allstate | $5,608 | $467 |
| Nationwide | $5,841 | $487 |
| State Farm | $8,847 | $737 |
| USAA | $10,933 | $911 |
| Progressive | $12,130 | $1,011 |
| Farmers | $13,077 | $1,090 |
*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 |
|---|---|---|---|
| The Hanover | $1,144 | $1,786 | $0 |
| State Farm | $2,280 | $2,510 | $0 |
| Auto-Owners | $1,377 | $1,981 | $1,579 |
| Allstate | $1,904 | $2,784 | $2,192 |
| GEICO | $1,206 | $2,378 | $2,391 |
| Progressive | $1,859 | $2,972 | $2,454 |
| Nationwide | $1,475 | $2,491 | $2,460 |
| Farmers | $2,784 | $4,845 | $3,682 |
| USAA | $1,036 | $1,526 | $1,197 |
*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
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
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
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare New Hampshire car insurance rates with other states
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