Low-income car insurance in New Hampshire: What you need to know

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 limits	25/50/25
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.

Company	Average annual premium	J.D. Power	AM Best	NAIC	Insurance.com score
Auto-Owners	$222	840	A++	0.5	3.88
The Hanover	$191	835	A	0.6	3.5
State Farm	$306	829	A++	0.7	3.32
GEICO	$361	836	A++	0.91	3.02
Progressive	$417	802	A+	0.65	2.97
Farmers	$507	821	A	0.8	2.65
Nationwide	$686	810	A+	0.64	2.59
Allstate	$808	816	A+	0.65	2.43

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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 name	Average annual premium	Average 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 Licensed	27%
Years Insured	15%
Profession	13%
Telematics	11%
Multi Policy	11%
Days Advanced Purchase	10%
Electronic Signature	10%
Daily Commute	9%
Payment Type	8%
Primary Use	7%
Loyalty - Years Renewal With Company	7%
Days Per Week Driven	7%
Marital Status	6%
Homeowner	5%
Education	4%
Paperless/Electornic Documents	4%
Lower Annual Mileage	3%
Electronic Funds Transfer	3%
Safety Devices	3%
Anti-Theft Device	2%
Air Bags	1%

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Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.

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.