Non-owner car insurance in New Hampshire: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in New Hampshire?

The cheapest non-owner car insurance company in New Hampshire is MMG Insurance, with average annual rates of $99, followed by Safety Insurance at $206. These insurers consistently offer the lowest liability-only premiums for drivers who don't own a vehicle.

Compare the cheapest non-owner car insurance companies in New Hampshire below.

Company	Average annual premium	Average monthly premium
MMG Insurance	$99	$8
Safety Insurance	$206	$17
GEICO	$218	$18
State Farm	$229	$19
Progressive	$687	$57
Nationwide	$779	$65
Farmers	$845	$70

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What are the best non-owner car insurance companies in New Hampshire?

The best non-owner car insurance companies in New Hampshire are GEICO, State Farm, and Progressive, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced non-owner coverage.

To find the best non-owner car insurance companies in New Hampshire, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.

The table below compares the top non-owner car insurance companies in New Hampshire.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
GEICO	$218	639	0.60	A++	5.00
State Farm	$229	634	0.87	A+	4.62
Progressive	$687	582	0.60	A+	3.42
Nationwide	$779	586	0.64	A	3.22
Farmers	$845	587	1.24	A	2.65

Read our methodology

Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in New Hampshire

GEICO

Our number one pick for non-owner car insurance in New Hampshire is GEICO. The average rate for liability coverage is $218. GEICO has an AM Best score of A++ and an NAIC complaint ratio of 0.60.

State Farm

Another excellent choice for non-owner car insurance in New Hampshire is State Farm. Average rates are $229 annually. State Farm has an AM Best rating of A+ and an NAIC complaint ratio of 0.87.

Progressive

Our third recommendation is Progressive, with average rates of $687. It has an NAIC complaint ratio of 0.60 and holds an AM Best rating of A+.

PEOPLE ASK:

Do I need New Hampshire non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

Average cost of non-owner car insurance in New Hampshire

The average cost of non-owner car insurance in New Hampshire is $437 per year. Your rate depends on several personal and location-based factors.

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

How do age and gender affect non-owner car insurance rates in New Hampshire?

Age and gender significantly impact non-owner car insurance rates in New Hampshire, with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Below are the average non-owner car insurance rates in New Hampshire by age and gender.

Age group	Male	Female
Teens (16-19)	$1,359	$1,240
Young Adults (20-24)	$705	$651
Adults (25-60)	$452	$454
Seniors (65-75)	$482	$494

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Do you need non-owner car insurance in New Hampshire?

Drivers in New Hampshire may need non-owner car insurance if they frequently borrow or rent vehicles, need an SR-22 filing or want to maintain continuous coverage between cars. Drivers who own a vehicle, rarely drive or already have coverage through another policy generally do not need a non-owner policy.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.

For example, non-owner car insurance in New Hampshire doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.

The table below compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum liability only	$437
Traditional state minimum policy	$567
State minimum car insurance limits	25/50/25

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What does New Hampshire non-owner car insurance cover?

Non-owner car insurance in New Hampshire generally provides the minimum required liability coverage, including bodily injury and property damage liability. In no-fault states, policies will also include required personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) coverage. However, non-owner insurance does not cover damage to the vehicle you are driving.

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in New Hampshire

New Hampshire drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.

Non-owner car insurance in New Hampshire costs an average of $437 per year. MMG Insurance offers the cheapest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $99. Based on our analysis of rates, complaint data and financial strength, GEICO is the best overall insurer for non-owner coverage in New Hampshire.

Shop around to find the best New Hampshire non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in New Hampshire

Do I need non-owner insurance to drive a friend's car in New Hampshire?

No. If you have permission to drive the vehicle, the owner's insurance policy usually covers you under the permissive use provision. However, non-owner insurance can provide extra liability protection if accident costs exceed the owner's policy limits or if you regularly borrow vehicles.

Can I use non-owner insurance for Uber or delivery driving in New Hampshire?

No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.