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
- 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
- Methodology
- Compare auto insurance rates by city in New Hampshire
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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Auto-Owners | A++ | $ 776 | 0.64 | 4.71 |
| State Farm | A++ | $ 837 | 0.52 | 4.65 |
| Geico | A++ | $ 779 | 0.77 | 4.42 |
| Nationwide | A+ | $ 917 | 0.66 | 4.3 |
| Progressive | A+ | $ 849 | 0.73 | 4.18 |
| USAA* | A++ | $ 735 | 0.99 | 3.95 |
| Allstate | A+ | $ 1,638 | 0.95 | 3.32 |
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.
| Company | State minimum | 50/100/50 liability only | 100/300/100 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.
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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.
| 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.
| Company | Clean record | Accident | Ticket |
|---|---|---|---|
| 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.
Methodology
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:
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.
