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.

Best car insurance companies in New Hampshire
CompanyAM BestAvg. Annual PremiumJD PowerNAICInsurance.com score
Auto-OwnersA++$8038400.503.92
The HanoverA$1,0278350.603.35
State FarmA++$1,1558290.703.25
NationwideA+$1,1458100.643.07
GeicoA++$1,2128360.912.99
ProgressiveA+$1,3438020.652.94
AllstateA+$2,1238160.652.43
FarmersA$1,9548210.802.34

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 liability50/100/50 liability100/300/100 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

Average auto insurance rates in New Hampshire
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
3104 - Manchester
For a 30-year-old male
$49 State minimum
$139 Full coverage
$53 Liability only

Most & least expensive ZIP codes for auto insurance in New Hampshire

Most Expensive

Zip CodeCityHighest Rate
03101Manchester$140
03104Manchester$139
03103Manchester$134
03109Manchester$133

Least Expensive

Zip CodeCityLowest Rate
34460West Swanzey$100
34310Keene$101
34480Gilsum$102
34510Hinsdale$104

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.

Cheapest car insurance by age in New Hampshire
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. 

Cheapest car insurance companies for tickets and accidents in New Hampshire
CompanyClean record AccidentSpeeding 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.

CityAnnual insurance premium
Berlin
$1,279
Claremont
$1,212
Concord
$1,218
Manchester
$1,436
Nashua
$1,317
Rochester
$1,239

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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