Why you should trust Insurance.com
Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.

Auto-Owners offers the cheapest auto insurance rates in New Hampshire at about $776 a year or $64 monthly, on average. If you’re eligible, you can get cheaper rates at USAA, where the average is $735 a year. Both are below the average New Hampshire car insurance rate of $1,266 a year. 

Cheap isn’t everything, but an Insurance.com analysis of rates, complaints, and financial stability found Auto-Owners to be the best insurance company in New Hampshire as well as the cheapest.

Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your rates.

Read on to compare New Hampshire insurance rates by company, age, and more.

Key takeaways

  • Auto-Owners is the best car insurance company in New Hampshire overall, with below-average rates and a low complaint ratio.
  • Auto-Owners is also the cheapest car insurance company for all residents in New Hampshire at $776 per year.
  • USAA is cheaper than Auto-Owners, but is only available to miltary families. 

Average cost of car insurance in New Hampshire

The average car insurance rate in New Hampshire is $1,266 a year 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. For the state minimum coverage, the average annual cost in New Hampshire is $395.

Best car insurance companies in New Hampshire

Auto-Owners is the best car insurance company in New Hampshire, based on a 2023 analysis by Insurance.com, with an overall rating of 4.71. State Farm ranked second.

Below is a full 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
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
Auto-OwnersA++$ 7760.644.71
State FarmA++$ 8370.524.65
GeicoA++$ 7790.774.42
NationwideA+$ 9170.664.3
ProgressiveA+$ 8490.734.18
USAA*A++$ 7350.993.95
AllstateA+$ 1,6380.953.32

USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in New Hampshire

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes 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 put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, USAA is the cheapest auto insurance company in New Hampshire but is available only to military members and their families, with average rates of $735 annually or $74 a month for full coverage. Auto-Owners is the cheapest company that is open to all drivers, with an average annual rate of $776 for full coverage in New Hampshire.  

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
USAA$ 194$ 217$ 735
Auto-Owners$ 235$ 268$ 776
Geico$ 254$ 277$ 779
State Farm$ 246$ 284$ 837
Progressive$ 339$ 357$ 849
Nationwide$ 532$ 478$ 917
Mapfre Insurance$ 270$ 302$ 1,091
Allstate$ 496$ 527$ 1,638
The Hanover$ 987$ 1,157$ 3,771

USAA offers car insurance only to military members, veterans and their families.

Auto insurance calculator

Average auto insurance rates in Alabama
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

Most Expensive

Zip CodeCityHighest Rate

Least Expensive

Zip CodeCityLowest Rate

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 $1,744 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 drivers at $791, provided they are not eligible for USAA. Auto-Owners also provides the cheapest full coverage policy for senior drivers at $777 per year.

Cheapest car insurance by age in New Hampshire
Age (group) Company Group Avg. Annual Premium
Teens (16-19)Auto-Owners$ 1,744
Teens (16-19)Geico$ 2,648
Teens (16-19)State Farm$ 2,887
Teens (16-19)USAA$ 3,346
Teens (16-19)Allstate$ 3,502
Teens (16-19)Nationwide$ 3,549
Teens (16-19)Mapfre Insurance$ 3,721
Teens (16-19)Progressive$ 5,035
Teens (16-19)The Hanover$ 13,958
Young Adults (20-24)Auto-Owners$ 1,206
Young Adults (20-24)USAA$ 1,270
Young Adults (20-24)Geico$ 1,328
Young Adults (20-24)State Farm$ 1,437
Young Adults (20-24)Progressive$ 1,537
Young Adults (20-24)Nationwide$ 1,731
Young Adults (20-24)Allstate$ 2,316
Young Adults (20-24)Mapfre Insurance$ 3,721
Young Adults (20-24)The Hanover$ 6,577
Adults (25-55)USAA$ 773
Adults (25-55)Auto-Owners$ 791
Adults (25-55)Geico$ 846
Adults (25-55)State Farm$ 855
Adults (25-55)Progressive$ 881
Adults (25-55)Nationwide$ 928
Adults (25-55)Mapfre Insurance$ 1,406
Adults (25-55)Allstate$ 1,727
Adults (25-55)The Hanover$ 3,741
Seniors (60-75)Auto-Owners$ 777
Seniors (60-75)USAA$ 779
Seniors (60-75)State Farm$ 806
Seniors (60-75)Geico$ 835
Seniors (60-75)Nationwide$ 903
Seniors (60-75)Progressive$ 903
Seniors (60-75)Mapfre Insurance$ 1,122
Seniors (60-75)Allstate$ 1,761
Seniors (60-75)The Hanover$ 3,692

USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in New Hampshire by driver profile

Drivers who have 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 increase in their rates compared to 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 recordAccidentTicket
USAA*$ 726$ 1,063$ 861
Geico$ 746$ 1,318$ 1,082
Auto-Owners$ 776$ 1,116$ 979
State Farm$ 844$ 1,005$ 910
Progressive$ 845$ 1,396$ 1,147
Nationwide$ 872$ 1,332$ 1,156
Auto Club Entreprises$ 1,148$ 1,469$ 1,522
Allstate$ 1,635$ 2,374$ 1,886

*USAA offers car insurance only to military members, veterans and their families.


Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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: 


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 


  • 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 auto insurance rates by city in New Hampshire