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New Hampshire’s Auto Insurance Requirements, Affordable Carriers by Age, & Better Options for More Savings

In the state of New Hampshire there is a misconception that you do not need liability insurance to drive legally. This is not true, the lenient part of New Hampshire’s car insurance regulations is a driver does not have to show proof of insurance when they register their vehicle.

Minimum coverage is required when you are convicted of certain violations or meet certain criteria. 1st Source, 2nd Source

Although this may seem enticing to some drivers to forgo insurance in the state, the minimums are a little more than above average compared to most states.

NH lowest premium choices for a 25 year old.

Note: As illustrated, the lowest price carriers clustered between $1,632 and $1,687 per year for a 25 year old. This male driver owned a 2014 Honda Accord with no driving violations and decent credit. For more details see table below.

New Hampshire Minimum Auto Insurance Coverage

CoverageNH Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$25,000$50,000
Uninsured / Underinsured Motorist Coverage $25,000 / $50,000$100,000 / $300,000
Medical Payments$1,000 $5,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$250 deductible

Bodily Injury Liability

Covers surgery costs for the occupants of the other automobile in the eventuality of an accident. The minimum liability protection will pay as much as $25,000 for a single person and up to $50,000 for no less than one individual injured in the accident.

The liability policy covers damages for bodily injury and property damage for the other automobile, its occupants and other property when the insured party is at-fault in the eventuality of an auto accident.

New Hampshire cheapest premium options for a 30 year old.

Note: A 30 year old can find quotes clustering between $1,108 and $1,213 per year. More details in table below.

Property Damage Liability

Pays as much as $25,000 for damages to the other driver’s vehicle as well as personal property like a person’s home as well as public property like road signs, places of business, or livestock and animals.

The set amount of insurance coverage from the figures above in the state of NH is 25/50/25 which the numbers are always in thousands.

Not only does a driver have to carry minimum liability per New Hamphire’s statutes a driver that is purchasing liability insurance must purchase Medical Payment Coverage with the minimum amount of $1,000.

Least expensive premium prices for a 35 year old.

Note: As illustrated, we found insurers below the $1,000 per year cost for a full coverage premium.

Cheapest Carriers by Premium & Age

RankNH CompanyAvg Ann. Rate for 25 Y/O DriverAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 35 Y/O DriverAvg Ann. Rate for 40 Y/O DriverAvg Ann. Rate for 45 Y/O DriverAvg Ann. Rate for 55 Y/O Driver
1Concord$1,632$1,108$900$711$590$502
2Patriot $1,644$1,165$921$713$601$506
3Progressive$1,650$1,159$943$714$599$506
5GEICO$1,655$1,187$955$712$598$505
4Vermont Mutual$1,687$1,210$965$754$603$511
6Commerce$1,680$1,213$987$744$612$532
7State Farm$1,702$1,243$1,008$766$614$540
8Encompass$1,743$1,265$1,013$780$632$542
9Allstate$1,812$1,311$1,043$800$629$568
10Liberty Mutual$1,838$1,312$1,045$812$654$589
11USAA$1,890$1,322$1,098$814$687$577
12Nationwide$1,900$1,389$1,128$822$659$590
13Hanover$1,912$1,418$1,154$856$680$587
14Esurance$1,943$1,422$1,156$900$700$590
15MetLife$2,021$1,440$1,167$903$703$600
1621st Century$2,143$1,455$1,176$921$721$601
17Amica$2,176$1,456$1,190$943$726$612
18Sentry$2,255$1,687$1,209$980$765$632

Lowest auto premium prices for a 40 year old driver.

Note: A 40 year old with good driving history can find cheaper quotes clustering between $711 and $754. For more details see rate table above.

Uninsured Motorist Protection

Also, by law a driver has to purchase uninsured motorist protection (UM) and the amount must provide limits equal to the amount of bodily injury liability coverage.

Low-cost car premium options for a 45 year old.

Note: As illustrated, a 45 year old can find a couple of quotes below the $600 per year cost for a premium.

Comprehensive & Collision Coverage

Motorists are not required to carry comprehensive or collision coverage, however, it would be a good idea to carry this cover on your policy.

If you do not carry the optional coverage then you will need to personal fund any damage to your vehicle made necessary due to a collision with another vehicle or any other type of “non-collision” accident.

If you are in the market or up for renewal be sure to compare three or more quotes and be sure to discuss available options and discounts with an insurance broker.

Inexpensive premium price options for a 55 year old.

Note: A 55 year old driver looking to save should get quotes from all 5 carriers illustrated.

Best Insurer by Rate Change, Complaints, & Consumer Rating

NH CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
GEICO$79,092,000+1.7%24.5
Concord$28,431,000+1.7%04.0
Progressive$87,873,000+1.7%34.4
Hanover$22,604,000 +1.8%14.4
Allied$43,738,000+1.8%24.3
State Farm$90,332,000+1.9%84.3
USAA$33,992,000+1.6%84.6
Allstate$66,312,000+1.9%104.3
Liberty Mutual$86,335,000+1.9%124.4
Amica$29,517,000+2.0%14.0
Encompass$34,658,000+2.0%33.9
Sentry$40,866,000+2.1%33.9
MetLife$26,476,000+2.1%63.9
Hartford$41,509,000+2.2%23.9

The average amount of coverage per driver in New Hampshire:

  • Bodily Injury Liability – $100,000 / $300,000
  • Property Damage Liability – $50,000
  • Medical Payment Coverage – $5,000
  • Collision Coverage – $250 deductible
  • Comprehensive Coverage – $500 deductible
  • Uninsured Motorist Coverage – $100,000 / $300,000

Average Premium Quote by City

CityAvg PremiumPopulationCityAvg PremiumPopulationCityAvg PremiumPopulation
Amherst$1,36511,201Exeter$1,64314,306Londonderry$1,52624,129
Bedford$1,32221,203Gilford$1,2477,126Manchester$1,901109,565
Bristol$1,3093,054Hampton$1,58715,430Merrimack$1,43725,494
Canaan$1,3113,909Hanover$1,47011,260Nashua$1,53386,494
Concord$1,38942,695Hillsboro$1,4316,011Pelham$1,52112,897
Contoocook$1,0551,444Hudson$1,43024,467Portsmouth$1,48220,779
Deerfield$1,4904,280Keene$1,51023,409Rochester$1,60129,752
Dover$1,43729,987Laconia$1,26615,951Salem$1,52428,776
Durham$1,50314,638Lancaster$1,2903,507Windham$1,29713,592

Manchester, NH

Manchester CompanyAvg Prm. for 30 Y/O DriverAvg Prm. for 45 Y/O DriverAvg Prm. for 55 Y/O Driver
Concord$998$790$547
Patriot $1,025$803$567
GEICO$1,076$804$580
Progressive$1,090$816$602
State Farm$1,143$845$614
Vermont Mutual$1,145$879$645
Commerce$1,155$900$647
Encompass$1,189$905$640

Manchester has over 110,000 residents and the largest city in the state. First settled in 1722, Manchester began as a farming community known as Derryfield until being renamed Manchester in 1810.

Today, Manchester is home to a majority of New Hampshire’s major cultural institutions and landmarks. The Currier Museum of Art is an internationally renowned art museum and one of the nation’s finest small galleries.

The Palace Theater is home to the New Hampshire Symphony Orchestra and the Opera League of New Hampshire. The Millyard Museum chronicles the long history in the city beginning with the Native Americans who first settled it. 

In 2015, CNN.com ranked it #1 in the U.S. for small businesses, and in 2009, another site ranked Manchester 13th in a list of the 100 best cities in the U.S. to live and launch a business.

The “mean” rate of Manchester is $1,901 per year. To find lower quotes start with Concord, Patriot, and Progressive. We queried each at $998, $1,025, and $1,090 respectfully for a 30 year old driver. Concord is 50% lower than the average rate. While Patriot and Progressive are 47% lower.

For a 45 year old the best choices are with Concord, Patriot, and Progressive. Each quoted at $790, $803, and $816 per year for full coverage. Which equates to $500 in savings if you bought a premium from any of the three previous.

For a 55 year old we found the quotes clustering between $547 and $645 per year. The cheapest is Concord at $547 which is 40% lower than the “mean” rate. Patriot came in at $567 while Progressive is slightly higher at $602.

Manchester, NH cheapest premium prices for a 30, 45, and 55 year old.

Nashua, NH

Nashua CompanyAvg Prm. for 30 Y/O DriverAvg Prm. for 45 Y/O DriverAvg Prm. for 55 Y/O Driver
Concord$913$746$511
Patriot $915$766$512
GEICO$943$802$516
Vermont Mutual$945$812$545
Progressive$989$816$569
State Farm$1,006$848$609
Commerce$1,030$869$632
Encompass$1,045$890$665

Nashua is the 2nd largest city with approximately 90,000 residents. It was twice named “Best Place to Live in America” by Money Magazine. It developed around the previously thriving textile industry.

The downtown serves as the region’s commercial and entertainment center. Citizens of Massachusetts are attracted to the shopping centers of Nashua such as the Pheasant Lane Mall due to New Hampshire not having a sales tax. Oracle, BAE Systems, and Hewlett-Packard are the major high-tech companies in the city.

To get a cheaper premium then start by getting quotes from Concord, Patriot, and Vermont Mutual. We queried each at $913, $915, and $945 for a 30 year old. Which is 31% lower than the citywide average premium of $1,533 per year. Or approximately $500 in monthly savings.

For a 45 year old the best choices are with Concord, Patriot, and Vermont Mutual. Each of them came in at $746, $766, and $812 respectfully for full coverage. Progressive and State Farm offered low quotes as well with prices at $816 and $848 respectfully.

For a 55 year old the lowest options are with Concord and Patriot. We queried each of them at $511 and $512 per year. Which is well below the average premium for a driver of similar age. It is recommended to get quotes from all carriers for optimum coverage and the most savings.

Nashua, NH lowest auto premium quotes for a 30 and 45 year old.

Concord, NH

Concord CompanyAvg Prm. for 30 Y/O DriverAvg Prm. for 45 Y/O DriverAvg Prm. for 55 Y/O Driver
Concord$909$743$502
Patriot $912$755$513
GEICO$919$765$509
Vermont Mutual$954$809$512
Progressive$990$822$545
State Farm$1,043$856$587
Commerce$1,045$878$605
Encompass$1,078$904$643

The 3rd largest city is Concord with approximately 40,000 residents. A quaint and charming city with a colorful history makes Concord today. The downtown area is situated on a terrace located west of the River. Neighborhoods in the city are positioned on small hills.

In 1734 the city was named Rumford and change to Concord in 1765 by Governor Benning Wentworth. The city became recognized as a major center for the manufacturing of furniture as well as a source for granite.

Neat Facts about Concord

  • The alarm clock, was invented in Concord in 1787 by Levi Hutchins.
  • The city was home to the 14th U.S. president, Franklin Pierce.
  • The city features a memorial space museum and planetarium.

If you are looking for a lower auto rate then start with Concord, Patriot, and Vermont Mutual. We queried each at $909, $912, and $954 respectfully for a 30 year old. Which is 22% lower than the “mean” rate of $1,389 per year. It is over $300 in savings by getting a premium through them.

For a 45 year old the lowest quotes came from Concord, Patriot, and Vermont Mutual. Each quoted at $743, $755, and $809 which is 24% lower than the average premium. Progressive and State Farm are below the average rate with quotes at $822 and $856.

For a 55 year old the best option are with Concord and Patriot. Each at $502 and $509 which is $400 in savings for a driver with good driving history and decent credit.

Concord, NH lowest auto premium choices for a 30 and 45 year old.

Derry, NH

Derry CompanyAvg Prm. for 30 Y/O DriverAvg Prm. for 45 Y/O DriverAvg Prm. for 55 Y/O Driver
Concord$940$721$500
Patriot $945$723$512
GEICO$944$720$503
Vermont Mutual$976$765$539
Progressive$1,009$789$569
State Farm$1,037$809$590
Commerce$1,076$841$643
Encompass$1,089$854$656

A wonderful charming town with approximately 35,000 residents is Derry. Originally settled in 1719, the town of Derry was named after the city of Derry in Northern Ireland. Derry was incorporated as a town in 1827.

The first potatoes planted in the U.S. were planted in Derry. It was also a prominent linen and leather-making center until other textile industries were established in the south. It is also home to one of America’s oldest public schools, Pinkerton Academy, which was established in 1814.

If you are looking for lower rates then start with Concord, Patriot, and Vermont Mutual. We queried each at $940, $945, and $976 respectfully for a 30 year old. Which is over $300 lower than the citywide average premium of $1,450 per year. Progressive and State Farm are 26% lower than the “mean” rate with quotes at $1,009 and $1,037 respectfully.

For a 45 year old driver the cheapest options are with Concord, Patriot, and Vermont Mutual. Each quoted at $721, $723, and $765 respectfully for full coverage. Or more than 31% lower than the average premium in Derry.

Out of the 8 carriers we queried the most expensive is Encompass with a quote of $1,089 for a 30 year old, $854 for a 45 year old, and $656 for a 55 year old driver. Though Encompass is more expensive the quotes are 14% lower than the average rate.

Derry, NH inexpensive premium options for a 30 and 45 y/o.

Dover, NH

Dover CompanyAvg Prm. for 30 Y/O DriverAvg Prm. for 45 Y/O DriverAvg Prm. for 55 Y/O Driver
Concord$899$708$476
Patriot $932$709$498
GEICO$921$711$499
Vermont Mutual$980$754$540
Progressive$1,012$779$570
State Farm$1,054$800$598
Commerce$1,089$839$608
Encompass$1,128$863$665

Dover is an old town with approximately 31,000 residents.  Originally known as Wecohamet by Native Americans, the area was first explored by Martin Ping in 1603. The first settlements began in 1623.

It was officially incorporated as Dover in 1637, but was known as Northam from 1639 to 1641, before returning to its original name. It was named in honor of Robert Dover, an English lawyer.

There are many historical sights which include, the First Parish Church, Religious Society of Friends Meetinghouse, St. Thomas Episcopal Church, and the Woodman Institute. 

The Woodman Institute is a museum exhibiting rare and unique artifacts related to the city’s local and natural history. The Garrison Hill Tower offers a panoramic view of the city. Local festivals include the Apple Harvest Festival.

Finding an affordable premium can be difficult. It you get quotes from Concord, Patriot, and Vermont Mutual then rates are 38% lower than the “mean” premium of $1,437 per year. Concord is the cheapest at $899 for a 30 year old driver. Patriot is about $33 more at $932 while Vermont Mutual came in at $980 per year for full coverage.

A 45 year old driver can find the cheapest quotes with the same companies. We queried Concord at $708, Patriot at $709, and Vermont Mutual at $754. Which is 42% lower than the citywide average premium in Dover.

For a 55 year old driver then lowest quotes are with Patriot and Concord. Both to them are less than $500 per year. We queried Concord at $476 and Patriot at $498. Well below the “mean” rate for residents of Dover.

Dover, NH lowest auto premium prices for 30 and 45 y/o.

Rochester, NH

Rochester CompanyAvg Prm. for 30 Y/O DriverAvg Prm. for 45 Y/O DriverAvg Prm. for 55 Y/O Driver
Concord$890$700$490
GEICO$926$704$500
Patriot $940$718$504
Vermont Mutual$987$776$565
Progressive$1,026$789$555
State Farm$1,087$812$589
Commerce$1,143$847$614
Encompass$1,165$889$658

The 6th largest city in the state is Rochester with approximately 30,000 residents. Originally inhabited by Abenaki Indians of the Pennacook tribe, the town was granted to settlers by Colonial Governor Samuel Shute. It was incorporated in 1722, named in honor of the Earl of Rochester.

Actual settlement of Rochester was delayed until 1728 because of conflict with the Indian tribes.

There are two notable structures in the city. The Rochester City Hall and Opera House by George G. Adams. Two beautifully designed structures which are breathtaking.

Other notable attractions include the Historical Society Museum, Rochester Common, Durham Historic Museum, and Rundlet May House.

Finding a cheap premium is easy if you get quotes from Concord, Patriot, and Vermont Mutual. We queried each at $890, $940, and $987 respectfully for a 30 year old. Which is over 40% lower than the “mean” rate of $1,601. State Farm and Progressive are 35% lower with quotes at $1,087 and $1,026 respectfully.

For a 45 year old we found quotes clustering between $700 and $812. The least expensive is Concord at $700, followed by Patriot at $718, then Vermont Mutual at $776. All three are 49% lower than the citywide average premium with more than $400 in savings.

For a 55 year old driver the least expensive carrier is Concord. Which we queried at $490 per year for full coverage. It would be wise to get quotes from all insurers illustrated to find optimum coverage with maximum savings.

Rochester, NH cheapest premium options for 30 and 45 y/o.

Resources & DMV Information

Department of InsuranceDepartment of TransportationMotor Vehicle Commission
21 S Fruit St #14, Concord, NH 03301
(603) 271-2261
7 Hazen Drive, Concord, NH 03301
(603) 352-2302
23 Hazen Drive, Concord, NH 03305
(603) 227-4000
WebsiteWebsiteWebsite

Final Thoughts

At Autoinsuresavings we want to be sure you get the lowest price auto insurance quote while maintaining equal or more coverage.

Simply by using our comparison tool at the top of the page you can get quotes from top insurance companies to be sure you have the policy which meets your driving requirements.

Sources

https://www.nh.gov/insurance/consumers

https://www.nh.gov/insurance/

https://www.nh.gov/insurance

https://www.iii.org/publications/a-firm-foundation-how-insurance-supports-the-economy/state-fact-sheets/new-hampshire-firm-foundation

https://www.iii.org/main-responsive/coverage-questions

http://www.naic.org/cipr_topics

https://www.nationwide.com/new-hampshire-auto-insurance.jsp

https://www.statefarm.com/

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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