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

Cheapest non-owner car insurance companies in New Hampshire

MMG Insurance offers the lowest non-owner car insurance rates in New Hampshire, with an average cost of $78. The next most affordable option is State Farm, which has an average rate of $130.

The table below lists the most budget-friendly non-owner car insurance companies in New Hampshire.

Company	Average annual premium	Average monthly premium
MMG Insurance	$78	$7
State Farm	$130	$11
GEICO	$221	$18
Progressive	$486	$41
Farmers	$589	$49
Nationwide	$611	$51
USAA	$116	$10

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Best non-owner car insurance in New Hampshire

Although State Farm is the best overall choice, GEICO and Progressive are also excellent options for non-owner car insurance coverage.

To identify the best non-owner car insurance companies in New Hampshire, we considered several key factors, such as the number of customer complaints, financial strength, and 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. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).

The table below provides a comparison of the top non-owner car insurance companies in New Hampshire.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
State Farm	$130	829	0.70	A++	3.40
GEICO	$221	836	0.91	A++	3.03
Progressive	$486	802	0.65	A+	2.62
Nationwide	$611	810	0.64	A+	2.42
Farmers	$589	821	0.80	A	2.26

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

Explore our top recommendations for non-owner car insurance in New Hampshire.

State Farm

Our top choice for non-owner car insurance in New Hampshire is State Farm, with an average rate of $130 for liability coverage. State Farm holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.7.

GEICO

Another excellent choice for non-owner car insurance in New Hampshire is GEICO. Average rates are $221 annually. GEICO has an AM Best rating of A++ and an NAIC complaint ratio of 0.91.

Progressive

Our third recommendation is Progressive, with average rates of $486. It has an NAIC complaint ratio of 0.65 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 $318, but your rate may differ depending on your driving record, age and the coverage you choose.

Non-owner car insurance in New Hampshire by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in New Hampshire.

Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.

Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.

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

Age group	Female	Male
Teens (16-19)	$725	$700
Young Adults (20-24)	$407	$433
Adults (25-60)	$326	$329
Seniors (65-75)	$351	$355

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Non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in New Hampshire doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

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 policy	$318
Traditional state minimum policy	$397
State minimum car insurance limits	25/50/25

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What does New Hampshire non-owner car insurance cover?

A New Hampshire non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in New Hampshire, but it won't cover any damage to the vehicle you're 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

Drivers in New Hampshire may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.

Non-owner car insurance in New Hampshire costs an average of $318, with MMG Insurance offering the lowest rates. Our analysis found that State Farm is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Take the time to compare options to find the best non-owner car insurance in New Hampshire. Use the tool above to easily compare non-owner insurance providers near you.

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++.