- New Hampshire government car insurance for low-income drivers
- New Hampshire minimum car insurance requirements
- Best low income car insurance in New Hampshire
- Cheap car insurance in New Hampshire for low-income families
- Car insurance discounts in New Hampshire for low-income drivers
- Compare auto insurance rates by city in New Hampshire
- Methodology
- Auto insurance FAQs
- Compare low-income car insurance rates in New Hampshire with other states
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 | Average annual premium | Other types of insurance required (if any) |
|---|---|---|
| 25/50/25 | $397 | UIMBI, UMBI and Med |
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
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.
Auto-Owners came out on top as the best pick for low-income car insurance.
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 |
Cheap car insurance in New Hampshire for low-income families
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.
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.
| 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 |
Car insurance discounts in New Hampshire for low-income drivers
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 |
|---|---|
| Air Bags | 1% |
| Anti-Theft Device | 2% |
| Daily Commute | 9% |
| Days Advanced Purchase | 10% |
| Days Per Week Driven | 7% |
| Education | 4% |
| Electronic Funds Transfer | 3% |
| Electronic Signature | 10% |
| Homeowner | 5% |
| Lower Annual Mileage | 3% |
| Loyalty - Years Renewal With Company | 7% |
| Marital Status | 6% |
| Multi Policy | 11% |
| Paperless/Electornic Documents | 4% |
| Payment Type | 8% |
| Primary Use | 7% |
| Profession | 13% |
| Safety Devices | 3% |
| Telematics | 11% |
| Years Insured | 15% |
| Years Licensed | 27% |
Compare auto insurance rates by city in New Hampshire
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in New Hampshire will impact what you pay. Below, we've gathered New Hampshire car insurance rates by city for comparison.
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.
Auto insurance FAQs
What is the cheapest car insurance company for low-income people?
In New Hampshire, the cheapest car insurance company is The Hanover. 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.
Compare low-income car insurance rates in New Hampshire with other states
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