New Hampshire government car insurance for low-income drivers

There is no government-run car insurance program for low-income drivers in New Hampshire. Only a handful of states (California, Hawaii and New Jersey) have such a program.

In New Hampshire, low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.

New Hampshire minimum car insurance requirements

The minimum car insurance requirements in New Hampshire are as follows:

Minimum liability coverage limits25/50/25
Average annual premium$397
Other types of insurance required (if any)UIMBI, UMBI and Med
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Remember that if you have a loan on your car, you’re required to carry full coverage, which includes collision and comprehensive.

Best low-income car insurance in New Hampshire

Auto-Owners came out on top as the best pick for low-income car insurance.

People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in New Hampshire and compared them on rates for state minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.

These are the best low-income car insurance companies in New Hampshire.

CompanyAverage annual premiumJ.D. PowerAM BestNAICInsurance.com score
Auto-Owners$222840A++0.53.88
The Hanover$191835A0.63.5
State Farm$306829A++0.73.32
GEICO$361836A++0.913.02
Progressive$417802A+0.652.97
Farmers$507821A0.82.65
Nationwide$686810A+0.642.59
Allstate$808816A+0.652.43
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Cheapest low-income car insurance in New Hampshire

Based on state minimum coverage, we found that the cheapest car insurance company in New Hampshire is The Hanover at an average rate of $191 a year.

When you’re working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in New Hampshire to find the cheapest options on average.

Company nameAverage annual premiumAverage monthly premium
The Hanover$191$16
Auto-Owners$222$18
MMG Insurance$242$20
State Farm$306$26
GEICO$361$30
Progressive$417$35
Farmers$507$42
Nationwide$686$57
Allstate$808$67
USAA$232$19
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PEOPLE ASK:

What can I do if I can’t afford car insurance in New Hampshire?

If you can’t find affordable car insurance in New Hampshire, try working with a local agent who knows the market and some of the smaller insurance companies available. Consider a usage-based program to reduce costs, reduce coverage, drive less and ask about additional discounts.

Car insurance discounts for low-income drivers in New Hampshire

Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in New Hampshire can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.

Discount type% Discount
Years Licensed27%
Years Insured15%
Profession13%
Telematics11%
Multi Policy11%
Days Advanced Purchase10%
Electronic Signature10%
Daily Commute9%
Payment Type8%
Primary Use7%
Loyalty - Years Renewal With Company7%
Days Per Week Driven7%
Marital Status6%
Homeowner5%
Education4%
Paperless/Electornic Documents4%
Lower Annual Mileage3%
Electronic Funds Transfer3%
Safety Devices3%
Anti-Theft Device2%
Air Bags1%
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Methodology

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170+

insurance companies analyzed

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34,000+

ZIP codes examined

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53M+

insurance quotes analyzed

National and state average rates are based on state minimum car insurance.

This data set is based on:

  • Bodily injury liability that matches the state minimum requirement

  • Property damage liability that matches the state minimum requirement
  • Any other state-required coverage, which may include personal injury protection, medical payments and uninsured/underinsured motorist coverage
  • 40-year-old driver
  • Honda Accord LX
  • Good credit
  • A clean driving record
  • 12-mile commute, 10,000 annual mileage

Low-income car insurance in New Hampshire: Frequently asked questions

What is the cheapest car insurance company for low-income people?

In New Hampshire, The Hanover is the cheapest car insurance company with the average rate of $191. However, that’s based on average rates and may differ for you, so it’s important to shop around.

Does New Hampshire have car insurance for low-income individuals?

No, New Hampshire doesn’t offer a car insurance program for low-income individuals or families.

What happens if I can’t pay my car insurance?

If you don’t pay your car insurance bill, your car insurance will be canceled and you won’t have coverage. If you can’t pay your car insurance bill, contact your insurance company before the bill is past due to see if you can make arrangements for payment.

Compare low-income car insurance rates in New Hampshire with other states

Alabama
$433 /year
Alaska
$398 /year
Arizona
$516 /year
Arkansas
$397 /year
California
$551 /year
Colorado
$437 /year
Connecticut
$704 /year
Delaware
$788 /year
Florida
$993 /year
Georgia
$577 /year
Hawaii
$396 /year
Idaho
$357 /year
Illinois
$421 /year
Indiana
$417 /year
Iowa
$260 /year
Kansas
$434 /year
Kentucky
$606 /year
Louisiana
$722 /year
Maine
$335 /year
Maryland
$727 /year
Massachusetts
$511 /year
Michigan
$654 /year
Minnesota
$475 /year
Mississippi
$463 /year
Missouri
$488 /year
Montana
$350 /year
Nebraska
$331 /year
Nevada
$720 /year
New Jersey
$853 /year
New Mexico
$421 /year
New York
$731 /year
North Carolina
$476 /year
North Dakota
$349 /year
Ohio
$362 /year
Oklahoma
$408 /year
Oregon
$641 /year
Pennsylvania
$375 /year
Rhode Island
$646 /year
South Carolina
$720 /year
South Dakota
$307 /year
Tennessee
$442 /year
Texas
$572 /year
Utah
$582 /year
Vermont
$306 /year
Virginia
$428 /year
Washington
$438 /year
Washington, D.C.
$558 /year
West Virginia
$510 /year
Wisconsin
$365 /year
Wyoming
$288 /year
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