Cheapest Auto Insurance in New Hampshire (2024)
New Hampshire is the only state that doesn't require drivers to carry a minimum amount of liability car insurance.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 21, 2024
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Table of contents
In New Hampshire, if you don’t buy at least the state’s minimum amount of liability car insurance, you have to provide proof of financial responsibility. That means you have to demonstrate to the state that if you cause an accident, you can pay out of pocket amounts that are equal to the state’s minimum insurance requirements.[1]
Most drivers probably can’t afford to pay tens of thousands of dollars after an at-fault accident, which could explain why just 6.1% of New Hampshire motorists drive without car insurance.[2] Granite State drivers face lower-than-average car insurance costs. The average cost of full coverage car insurance in New Hampshire is $127 per month, and liability-only coverage averages $63 per month. By comparison, the national average for full coverage is $204 and $104 for liability only.
It's a good idea to buy car insurance, even if you're not required to. And comparing quotes from multiple companies is the best way to find affordable car insurance in New Hampshire.
Quick Facts
Liability-only car insurance in New Hampshire costs, on average, $755 per year. Full coverage averages $1,521 annually.
Because New Hampshire is prone to severe winter and coastal weather events, drivers should consider purchasing full-coverage car insurance.
If you buy car insurance in New Hampshire, you must purchase at least 25/50/25 liability limits.[3]
3 of the cheapest car insurance companies in New Hampshire
Finding the cheapest car insurance companies in New Hampshire involves more than searching for the lowest price. If you purchase auto insurance, you’ll need to find a policy that offers the coverage you need and the savings opportunities you want. Compare quotes from multiple insurers, many of which offer better rates to certain categories of drivers.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Liberty Mutual | 9.3 | $101 | $48 | Full coverage |
| Safeco | 8.3 | $68 | $45 | Discounts |
| GEICO | 9.0 | $58 | $38 | Coverage options |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best full-coverage insurance: Liberty Mutual
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
3.7
A solid optionBased on 2671 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,559)
Michael
November 19, 2024
Verified Review
Go Elsewhere
The customer service is poor. It's difficult to speak to a human as it's overly automated.
Deborah
November 12, 2024
Verified Review
Examine Every Inch of Your Policy
I didn't realize I didn't have accident forgiveness until my daughter had an accident. They tripled the cost of my policy.
Lee
November 12, 2024
Verified Review
Ugh!
The rates increase every year. I'm an excellent driver and I've never made a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
806NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual’s slogan, “Only pay for what you need,” fits well with New Hampshire drivers, who have the option of how much auto insurance they want, and no legal requirement. Customizable policies allow drivers to include or exclude coverages like comprehensive, collision, and liability. Liberty Mutual has good financial standing as well, with an A rating from S&P, A rating from AM Best, and an A2 from Moody’s.
Pros
Customizable coverage available
11 available discounts
Cons
Low J.D. Power satisfaction rating in the New England region
Exceptionally high National Association of Insurance Commissioners (NAIC) customer complaint index
Best for discounts and savings: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $66/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Safeco is a Liberty Mutual company, though it offers different rates, discounts, and incentives for drivers in New Hampshire. Safeco uses independent agents to write policies, so drivers who appreciate personalized attention may prefer this method. Savings incentives, like a diminishing deductible for up to five years, a claims-free cash back offer every six months, and accident forgiveness, are great ways to keep your premium as low as possible.
Pros
Claims-free cash back and diminishing deductible programs
Offers an accident-forgiveness program
Cons
Higher-than-average NAIC complaint score
Can’t buy a policy online
Best for coverage options: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $38/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $69/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Whether you enjoy camping in the White Mountains, riding your motorcycle down the Kancamagus Highway, or lounging on your boat on Lake Winnipesaukee, GEICO has a coverage option for you. New Hampshire residents can easily insure their car with GEICO, but they can also insure their motorcycles, ATVs, RVs, and boats. Additionally, GEICO offers some of the most affordable rates for car insurance in New Hampshire.
Pros
Coverage availible for RVs, ATVs, boats and motorcycles
Competitive and affordable rates
Cons
Gap insurance not availible
High rates for drivers with an incident on their record
How to get the cheapest car insurance in New Hampshire
Here are some of the best ways to find affordable car insurance in New Hampshire for your coverage needs and situation:
Ask about discounts. Call the insurance company you’re interested in to ask which discounts you may be eligible for. The more discounts you can qualify for, the lower your insurance premiums will be.
Bundle your coverage. Many insurers offer lower rates to people who buy multiple insurance products, like auto insurance and home insurance, together.
Raise your deductible. If you can afford a higher out-of-pocket cost when filing a claim, raising your collision or comprehensive deductible usually results in lower monthly premiums.
Compare quotes. A good way to ensure you’re getting the best prices possible is to compare quotes from at least three different insurers. Use a comparison website to gather multiple quotes at once for easy comparison.
Cheapest liability-only car insurance in New Hampshire
Auto liability coverage usually includes property damage coverage and bodily injury coverage. Each pays for the injuries or damages you cause another person or property. While New Hampshire doesn’t require everyone to buy car insurance, you must buy liability coverage if you can’t demonstrate financial responsibility for at-fault accidents.
If you do chose to purchase liability coverage, you can expect an average rate of $63 per month. The table below shows various insurers that offer liability insurance in New Hampshire.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| GEICO | $38 |
| State Farm | $42 |
| USAA | $45 |
| Safeco | $49 |
| Liberty Mutual | $50 |
| National General | $58 |
| Progressive | $63 |
| Foremost | $75 |
| Bristol West | $77 |
| Allstate | $79 |
| Nationwide | $99 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cheapest full-coverage car insurance in New Hampshire
Full-coverage policies are a good idea for drivers with newer vehicles or for anyone who might not be able to afford repairs after an incident. If you lease or finance your vehicle, your leasing company or lender will require you to have full coverage. A full-coverage policy typically includes comprehensive coverage, so they cover damages and losses from theft, vandalism, falling objects, and weather events.
Because New Hampshire is prone to winter and coastal storms, Consumer Federation of America research and advocacy associate Michael DeLong recommends full-coverage policies for drivers in the state.[4] “Unusual weather events can happen at any time, especially because of shifting patterns due to climate change,” he says.
On average, a full coverage policy in New Hampshire costs $127 per month. Below are the cheapest full-coverage car insurance companies in New Hampshire.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Safeco | $66 |
| GEICO | $69 |
| State Farm | $76 |
| USAA | $80 |
| Progressive | $116 |
| Liberty Mutual | $119 |
| National General | $120 |
| Allstate | $138 |
| Foremost | $156 |
| Bristol West | $173 |
| Nationwide | $177 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in New Hampshire
Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $69/mo for full coverage in New Hampshire.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in New Hampshire
New Hampshire is unique among most other states: Drivers don’t legally have to carry car insurance. You only need to demonstrate that you have the funds necessary to meet the requirements of the state’s motor vehicle responsibility limits if you cause an accident. If you buy car insurance in New Hampshire, you must meet these liability limits:[3]
Bodily injury liability
$25,000 per person and $50,000 per accident
Property damage liability
$25,000 per accident
However, you should consider having at least some form of car insurance, no matter how often or far you drive. Many coverage options are available, each applying to certain damages, including:
Uninsured/underinsured motorist coverage
This pays for the injuries you sustain if the driver at fault doesn’t have any or enough coverage to pay for them.
Collision coverage
This covers damages when you hit something with your vehicle, either another car or an object, even if it’s your fault.
Comprehensive coverage
This pays for damages to your vehicle from fires, wildlife, weather, theft, vandalism, or anything else that isn’t a collision.
Gap coverage
If you finance or lease your vehicle, this coverage pays the difference between the remainder of your auto loan and your insurance settlement after a total loss.
)
Learn More: How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
Keeping a clean record in New Hampshire can be tough. Inclement weather, congested roads, and wildlife can lead to accidents. Remember that other incidents besides at-fault accidents can increase your costs too. Driving under the influence and speeding tickets can raise your premiums in New Hampshire and make finding affordable car insurance difficult.
Granite State drivers with incidents on their motor vehicle records pay an average of $180 per month for full coverage and $89 for liability-only insurance, Insurify data shows.
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Cheapest car insurance for drivers with a speeding ticket
Speed is a factor in many car accidents. Speeding doesn’t only mean exceeding the speed limit, either; sometimes, driving even the posted speed limit on a dark, rainy, or snowy New Hampshire road can increase the likelihood of an accident.[5]
A speeding ticket, no matter the amount over the limit, signals to an insurer that a driver isn’t as responsible behind the wheel as they can be. That’s why just one speeding ticket can make your premiums jump. In New Hampshire, drivers with speeding tickets face average monthly rates of $245 for full coverage and $122 for liability only.
Here are the average monthly quotes from top insurers for New Hampshire drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Safeco | $104 | $77 |
| GEICO | $108 | $59 |
| State Farm | $118 | $65 |
| USAA | $125 | $70 |
| Progressive | $180 | $98 |
| National General | $188 | $91 |
| Liberty Mutual | $198 | $83 |
| Allstate | $216 | $123 |
| Foremost | $259 | $125 |
| Bristol West | $272 | $121 |
| Nationwide | $279 | $156 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
A single claim can cause your car insurance rates to increase, which is why it’s important to avoid at-fault accidents.[6] Mistakes happen, but because your insurer will have to pay for damage you cause, it can raise your premiums significantly.
An at-fault accident pushes average rates in New Hampshire to $189 per month for full coverage and $94 for liability only. To start your search for car insurance after an at-fault accident, here are the cheapest insurers in New Hampshire.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Safeco | $90 | $67 |
| GEICO | $95 | $53 |
| State Farm | $104 | $57 |
| USAA | $110 | $62 |
| Progressive | $161 | $87 |
| National General | $165 | $80 |
| Liberty Mutual | $175 | $73 |
| Allstate | $190 | $109 |
| Foremost | $229 | $110 |
| Bristol West | $238 | $106 |
| Nationwide | $246 | $138 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
New Hampshire requires people with any DUI conviction on their record to file an SR-22 insurance form.[7] Furthermore, DUIs are serious charges that insurers typically penalize with the highest prices.[6] If you have a DUI on your record, expect your New Hampshire insurance premiums to almost triple and the impact will last for three to five years.
On average, New Hampshire drivers with DUIs see monthly rates of $214 for full coverage and $106 for minimum coverage. Here are average monthly quotes for New Hampshire drivers with a DUI from top car insurance companies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Safeco | $102 | $76 |
| GEICO | $115 | $63 |
| State Farm | $127 | $70 |
| USAA | $133 | $75 |
| Progressive | $193 | $105 |
| Liberty Mutual | $198 | $83 |
| National General | $200 | $97 |
| Allstate | $230 | $132 |
| Foremost | $260 | $125 |
| Bristol West | $289 | $128 |
| Nationwide | $295 | $165 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Drivers will notice their premiums decrease around age 35, then increase again around age 70. Even with more driving experience, senior drivers are more at risk for specific types of crashes, like merging crashes and intersection crashes.
Changes to driving ability due to medication use and physical, cognitive, or visual differences increase the risk of accidents, which is why insurers often increase premiums for older drivers.[8] However, senior drivers in New Hampshire generally pay lower average costs than younger drivers. On average, car insurance for seniors costs $98 per month for full coverage and $49 for liability only. The table below shows the cheapest insurers in New Hampshire for older drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| GEICO | $53 | $29 |
| Safeco | $54 | $40 |
| State Farm | $57 | $31 |
| USAA | $62 | $35 |
| Progressive | $81 | $44 |
| National General | $88 | $43 |
| Liberty Mutual | $96 | $41 |
| Allstate | $107 | $61 |
| Foremost | $120 | $58 |
| Nationwide | $127 | $71 |
| Bristol West | $134 | $60 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Across the nation, teens have a higher risk of being involved in fatal car accidents than all other age groups due to their inexperience, overconfidence, and increased distractions.[9] However, New Hampshire has a low number of fatal accidents for drivers younger than 20 each year.[10]
Teens may still see higher premiums than average, but they can lower them by staying on their parents’ insurance policies, earning discounts for maintaining good grades, and driving a car with insurer-preferred safety features. Parents should also ask their insurer if it offers discounts for teen drivers who are away at college without a car.
Teen drivers in New Hampshire see average car insurance rates of $229 per month for full coverage and $113 for liability only.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| GEICO | $114 | $63 |
| Safeco | $130 | $97 |
| State Farm | $134 | $74 |
| USAA | $138 | $78 |
| Progressive | $209 | $114 |
| Liberty Mutual | $210 | $88 |
| National General | $242 | $117 |
| Allstate | $253 | $145 |
| Foremost | $285 | $137 |
| Bristol West | $300 | $134 |
| Nationwide | $318 | $178 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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New Hampshire car insurance quotes by credit tier
New Hampshire is among the majority of states that allow car insurance companies to use a driver’s credit history as a factor in setting premiums.[11] Insurers may use credit information to create a credit-based insurance score to help predict your risk of filing a claim. In most cases, drivers with poor credit scores get higher premiums than drivers with excellent or good credit scores.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
New Hampshire car insurance FAQs
Understand how age and gender affect car insurance before you shop for quotes to help you compare prices. And check out the answers below to common questions about car insurance in New Hampshire.
How much is car insurance in New Hampshire?
The average cost of car insurance in New Hampshire is $127 per month for full coverage and $63 for minimum coverage. By comparison, the rates in neighboring Vermont are $154 and $68, respectively. In Maine, full-coverage averages $155 per month, and $86 for liability-only policies.
What are the best car insurance companies in New Hampshire?
Some of the best car insurance companies in New Hampshire are GEICO, Safeco, and State Farm. These companies have strong J.D. Power customer satisfaction and A.M. Best financial strength ratings. They also received high Insurify Quality Scores in Insurify’s proprietary rating system.
Is New Hampshire a no-fault state?
No. New Hampshire follows a fault-based system in car insurance.[12] This means that the driver at fault for a car accident is responsible for paying for the damages and injuries they cause to other parties.
Is it legal to drive without insurance in New Hampshire?
Not necessarily. You can drive without insurance in New Hampshire if you can demonstrate financial responsibility for paying for at-fault accidents. If you can’t meet these requirements, you must buy New Hampshire 25/50/25 minimum coverage to drive.[3]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in New Hampshire
Sources
- New Hampshire General Court. "Title XXI Motor Vehicles."
- Insurance Research Council. "One in Eight Drivers Uninsured."
- New Hampshire Insurance Department. "2022 Automobile Insurance Consumer Frequently Asked Questions."
- New Hampshire Department of Health and Human Services. "Weather Hazards."
- NHTSA. "Speeding and Aggressive Driving Prevention."
- III. "Do auto insurance premiums go up after a claim?."
- New Hampshire Division of Motor Vehicles. "Insurance Requirements / SR-22."
- Insurance Institute for Highway Safety. "Older drivers."
- Insurance Institute for Highway Safety. "Teenagers."
- New Hampshire Office of Highway Safety. "Highway Safety Plan 2021."
- New Hampshire Insurance Department. "Understanding How Insurers Use Credit Information."
- Nolo. "Do You Need Car Insurance in New Hampshire?."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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