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New Hampshire Cheapest Car Insurance & Best Coverage Options

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Updated May 31st, 2021

Checked by
Jaime Arias
Licensed Agent
Reviewed by
Maurice Draine
Former P&C Agent
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

AutoInsureSavings.org licensed agents did a comparison shopping study of the best New Hampshire car insurance companies and found Travelers ($378 per year) provides the cheapest auto insurance for minimum coverage policies

Progressive ($980 per year) provides the most affordable car insurance for drivers who prefer a full coverage policy.

Affordable New Hampshire Car Insurance Rates

Drivers have several options to choose from when purchasing a new auto insurance policy in New Hampshire. 

Cheapest Car Insurance in New Hampshire - Quick Hits
AutoInsureSavings.orgThe cheapest New Hampshire car insurance options are:

Cheapest for minimum coverage: Travelers
Cheapest for full coverage: Progressive
Cheapest after an at-fault accident: State Farm
Cheapest after a speeding ticket: Progressive
Cheapest after a DUI: Progressive
Cheapest for poor credit history: GEICO
Cheapest for young drivers: Allstate
For young drivers with a speeding violation: Progressive
For young drivers with an at-fault accident: Progressive

In this New Hampshire auto insurance guide, you will find comparisons between some of the industry’s best car insurance companies and their rates for various drivers.

Most affordable car insurance options with USAA, Travelers Insurance, and State Farm compared to average rates.

Cheapest Car Insurance for Minimum Coverage in New Hampshire

The car insurance company offering the cheapest annual average rates for minimum coverage is Travelers, which provided us a quote at $378 per year or a $31 monthly rate. Traveler’s rate is 47% less expensive than New Hampshire’s average of $711 per year.

For military members or a family member of a service member, USAA is the cheapest option, with a $320 quote for a 30-year-old driver.  

CompanyAverage annual rate
USAA$320
Travelers$378
State Farm$399
GEICO$423
Progressive$476
Concord Group$498
Nationwide$552
Allstate$659
MetLife$796
Hanover$985

*USAA is for qualified military members, their spouses, and direct family members. Your rates may vary based on the driver’s profile.

Many drivers choose state minimum coverage to stay legal on the road and pay the lowest rates. The difference between the cost of minimum and full coverage insurance in New Hampshire is $1,272 per year.

Although minimum coverage offers savings and helps many drivers stay within their budget, there is always the risk of insufficient protection while driving.

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If a crash occurs while you only have state minimum coverage and the damages you caused exceed your policy limits. In that case, you will be responsible for paying for the remaining damage out of your pocket.

Cheapest Full Coverage Car Insurance in New Hampshire

The insurance company offering the lowest rates for full coverage auto insurance in New Hampshire is Progressive, which provided our agents a $980 yearly rate. Progressive’s insurance rate is 30% cheaper than the average $1,385 quote in New Hampshire. 

InsurerAnnual cost Monthly cost
Progressive$980$81
GEICO$1,040$86
State Farm$1,167$97
Nationwide$1,210$100
Liberty Mutual$1,516$126
USAA$986$82
Average rates$1,385$115

*USAA is for qualified military members, their spouses, and direct family members. Your rates may vary based on the driver’s profile.

While full coverage may not be required, it is an excellent insurance option to ensure you will not have to pay for damages out of pocket.

Full coverage includes comprehensive and collision coverage, while state minimum coverage doesn’t.

Collision and comprehensive will pay for property damage to your motor vehicle no matter who is at fault and from natural disasters such as tree branches falling on your car, according to the Insurance Information Institute (III.org).

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If your car worth more than 10% of your combined deductibles, our insurance agents recommend buying full auto insurance coverage.

Cheapest Car Insurance with a Speeding Ticket in New Hampshire

For drivers with a speeding violation, the cheapest auto insurer is Progressive, which offered us a quote of $1,432 per year or $119 a month. Progressive’s rate is $699 less expensive than average. 

InsurerAnnual cost Monthly cost
Progressive$1,432$119
State Farm$1,640$136
GEICO$1,855$154
Average rates$2,131$177

The amount your auto insurance rates will rise after you receive a speeding ticket will vary based on how fast you were going above the speed limit and how many tickets you have on your driving record.

Our research found the average rate increase after traffic tickets in New Hampshire is 22%.

Cheapest Car Insurance in New Hampshire with a Car Accident

The cheapest full coverage auto quote for drivers with one at-fault accident is State Farm. They provided us a quote at $2,123 annually or 27% cheaper than the average $2,875 rate. Your next best option is Auto-Owners with a 23% less expensive rate at $2,235 per year. 

InsurerAnnual cost Monthly cost
State Farm$2,123$176
Auto-Owners$2,235$186
GEICO$2,547$212
Average rates$2,875$239

Keep in mind the insurance company that offers the cheapest rates will vary from one driver to the next. Insurance providers determine your premium cost based on your age, driving history, credit rating, and several other factors.

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While many drivers can save more by choosing State Farm, other drivers who have one or more auto accidents on their driving records may save more money by choosing a different company such as GEICO or Auto-Owners.

Cheapest Car Insurance with a DUI in New Hampshire

The auto insurer with the cheapest auto insurance for drivers with a DUI conviction in New Hampshire is Progressive, which provided AutoInsureSavings.org agents a $2,432 quote for full coverage.

Progressive’s rate is 31% less expensive than New Hampshire’s average of $3,519 per year for a DUI. 

InsurerAnnual cost Monthly cost
Progressive$2,432$202
GEICO$2,870$239
Auto-Owners$3,030$252
Average rates$3,519$293

According to the New Hampshire Department of Safety (Division of Motor Vehicles), drivers can expect their car insurance rates to go up as much as 83% after being convicted of a DUI.

You will also be required to file an SR-22 for the next three years, possible loss of driving privileges, a required ignition interlock device installed in your motor vehicle, along with higher than average rates. 

Cheapest Car Insurance with Poor Credit in New Hampshire

The insurance provider with the most affordable car insurance for drivers with a low credit score is GEICO, with a $1,573 annual rate or $131 per month for our sample 30-year-old. Travelers is your next cheapest option with a $136 monthly rate or 37% less expensive than average. 

InsurerAnnual cost Monthly cost
GEICO$1,573$131
Travelers$1,634$136
Progressive$1,789$149
Average rates$2,563$213

Drivers who have a poor or bad credit score are more likely to be an increased risk for insurance companies, and therefore these providers will raise their rates based on these risks.

Therefore, it is essential that drivers who want to save more on their car insurance take the time to check their credit report and rating.

Make sure to look for any is mistakes on your credit report and check into any claims that you do not recognize or have already been paid off.

Cheapest Car Insurance for Young Drivers in New Hampshire

If you are a young driver looking to save money on car insurance, compare quotes with Travelers Insurance. They provided our insurance agents a $3,433 quote for those with a clean driving record. Travelers is 43% cheaper than New Hampshire’s rate of $5,983.

Allstate offers the most affordable coverage rate for young drivers’ minimum coverage insurance policies at $1,235 per year or a $102 monthly rate.

Other auto insurers to compare multiple car insurance quotes for state minimums are Travelers and Auto-Owners for young or teen drivers. Both companies are 38% cheaper than the statewide average rate. 

CompanyFull coverageMinimum coverage
Travelers$3,433$1,249
Auto-Owners$3,654$1,285
USAA$3,712$1,333
State Farm$3,904$1,582
GEICO$4,232$1,873
Progressive$4,765$1,964
Nationwide$5,238$2,054
Allstate$6,674$1,235
MetLife$7,295$2,743
Hanover$7,785$2,984
New Hampshire average$5,983$2,049

*USAA is for qualified service members, their spouses, and direct family members. Your rates may vary based on the driver’s profile.

Our research found that car insurance for young drivers can be three times more expensive than older drivers’ insurance, approximately $2,500 more expensive.

According to statistics, because younger drivers get into more auto accidents, insurance companies will significantly raise their rates.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

If you are a teen driver with a speeding violation in your driving history, the cheapest insurance premium is Progressive at $4,765 per year or a $397 monthly rate.

Progressive’s rate is $1,479 cheaper than New Hampshire’s average for young drivers with a speeding violation, or 24% less expensive.

InsurerAnnual cost Monthly cost
Progressive$4,765$397
State Farm$4,983$415
GEICO$5,237$436
Average rates$6,244$520

Cheapest Car Insurance for Young Drivers with a Car Accident

According to a comparison-shopping study, young New Hampshire drivers with one at-fault accident can find the best insurance coverage with Progressive.

Progressive’s rate at $4,877 per year is $1,892 less expensive than the New Hampshire average at-fault accident rate of $6,769 for younger drivers. 

InsurerAnnual cost Monthly cost
Progressive$4,877$406
State Farm$5,632$469
GEICO$5,943$495
Average rates$6,769$564

Best Auto Insurance Companies in New Hampshire

According to our research and the rates shown in this guide, GEICO, Travelers, State Farm, and Progressive are four of the best car insurance options if your primary concern is the price.

According to ValuePeguin’s customer satisfaction survey, Auto-Owners is the best auto insurer in New Hampshire. 

Company% of respondents extremely satisfied with recent claim% of respondents rated customer service as excellent
Auto-Owners100%67%
USAA78%62%
State Farm73%46%
Allstate72%47%
Progressive74%34%
GEICO64%42%
Liberty Mutual63%55%
Hanovern/an/a
MetLifen/an/a

It is important to remember that one driver’s best auto insurance company may not be the best option for another. Many factors help determine how much your auto insurance premium will be.

AutoInsureSavings.org licensed agents also looked at each insurer’s complaint index from the National Association of Insurance Commissioners (NAIC), J.D. Power claims satisfaction score, and their financial strength ratings from AM Best.

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Auto-Owners has the lowest complaint index with NAIC at 0.18, meaning Auto-Owners received 18% of complaints compared to other auto insurers of equal market share.

Auto-Owners had one of the higher J.D. Power claims satisfaction scores at 890, exceeding expectations. If excellent customer service and insurance claims handling is a priority for you, our agents recommend Auto-Owners

InsurerNAIC Complaint Index J.D. Power claims satisfaction score AM Best Financial Strength Rating
Auto-Owners0.18890A
Progressive0.59856A+
Allstate0.63876A+
State Farm0.66881A++
USAA0.68890A++
Amica0.91907A+
GEICO1.01871A++
Liberty Mutual1.32813A+
MetLife1.24886A

All insurance companies had financial strength ratings of “A” or better from AM Best, which means each company had “excellent” or “superior” financial strength to cover insurance claims.

Average Car Insurance Cost by City in New Hampshire

Your zip code is a factor insurance companies use to determine your rate, as well as credit scores, driving records, and type of motor vehicle.

Depending on driver profiles and zip code, full coverage car insurance rates can vary by $539 per year. Auto insurers will charge more for coverage in large urban cities with more car accidents and higher auto theft rates. 

Cheapest Auto Insurance in Manchester, NH

People in Manchester can find the best auto insurance with Auto-Owners with a quote 18% cheaper than the Manchester average at $1,311 annually or a $109 monthly rate for full coverage insurance. 

Manchester CompanyAverage Premium
Auto-Owners$1,311
Travelers$1,380
State Farm$1,466
Manchester average$1,588

Cheapest Auto Insurance in Nashua, NH

Affordable coverage in Nashua is with Progressive providing our agents the best rate of $1,160 per year for a full coverage policy. Progressive’s $96 monthly rate is 27% less expensive than the average for residents of Nashua. 

Nashua CompanyAverage Premium
Progressive$1,160
Travelers$1,255
Auto-Owners$1,287
Nashua average$1,478

Cheapest Auto Insurance in Concord, NH

AutoInsureSavings.org licensed agents found car insurance premiums are cheaper with Progressive for Concord residents at $1,187 per year or $98 per month. Progressive’s rate is 23% less expensive than Concord’s average rate of $1,539 annually.

Concord CompanyAverage Premium
Progressive$1,187
State Farm$1,310
Concord Group$1,468
Concord average$1,539

Cheapest Auto Insurance in Derry, NH

Derry drivers can get the cheapest insurance coverage through Travelers with coverage rates at $1,080 per year or 27% lower than the citywide average of $1,470. Auto-Owners is the next best option offering car insurance premiums at $1,136 per year.

Derry CompanyAverage Premium
Travelers$1,080
Auto-Owners$1,136
Concord Group$1,280
Derry average$1,470

Cheapest Auto Insurance in Dover, NH

We found the most affordable coverage for Dover drivers is State Farm, providing a quote of $1,151 per year or 26% less expensive than the average quote. And at $1,279 annually, Auto-Owners is 18% lower than average, making both insurers the best car insurance option.

Dover CompanyAverage Premium
State Farm$1,151
Auto-Owners$1,279
Progressive$1,354
Dover average$1,555

Cheapest Auto Insurance in Rochester, NH

In Rochester, drivers will find the cheapest insurance rates with Progressive, which provided our agents a $1,038 annual quote for a 30-year-old driver with full coverage. Progressive’s $86 monthly rate is 30% less expensive than Rochester’s $1,477 average.

Rochester CompanyAverage Premium
Progressive$1,038
Auto-Owners$1,127
Concord Group$1,402
Rochester average$1,477

Average Car Insurance Cost for All Cities

CityAnnual Premium CostCityAnnual Premium Cost
Acworth$1,240Langdon$1,357
Albany$1,295Lebanon$1,252
Alexandria$1,321Lee$1,345
Allenstown$1,252Lempster$1,295
Alstead$1,349Lincoln$1,365
Alton$1,344Lisbon$1,321
Amherst$1,295Litchfield$1,252
Andover$1,357Littleton$1,349
Antrim$1,345Londonderry$1,355
Ashland$1,250Loudon$1,295
Atkinson$1,321Lyman$1,365
Auburn$1,343Lyme$1,250
Barnstead$1,365Lyndeborough$1,345
Barrington$1,371Madbury$1,240
Bartlett$1,295Madison$1,314
Bath$1,240Manchester$1,588
Bedford$1,250Marlborough$1,252
Belmont$1,314Marlow$1,365
Bennington$1,345Mason$1,250
Benton$1,349Meredith$1,290
Berlin$1,249Merrimack$1,355
Bethlehem$1,240Middleton$1,345
Boscawen$1,250Milan$1,276
Bow$1,252Milford$1,249
Bradford$1,357Milton$1,314
Brentwood$1,290Monroe$1,240
Bridgewater$1,249Mont Vernon$1,199
Bristol$1,343Moultonborough$1,249
Brookfield$1,333Nashua$1,478
Brookline$1,219Nelson$1,252
Campton$1,240New Boston$1,295
Canaan$1,314New Castle$1,321
Candia$1,355New Durham$1,290
Canterbury$1,249New Hampton$1,240
Carroll$1,320New Ipswich$1,314
Center Harbor$1,299New London$1,343
Charlestown$1,365Newbury$1,249
Chatham$1,252Newfields$1,355
Chester$1,290Newington$1,365
Chesterfield$1,249Newmarket$1,349
Chichester$1,355Newport$1,252
Claremont$1,343Newton$1,249
Clarksville$1,240North Hampton$1,290
Colebrook$1,302Northfield$1,314
Columbia$1,325Northumberland$1,343
Concord$1,539Northwood$1,302
Conway$1,365Nottingham$1,249
Cornish$1,290Orange$1,365
Croydon$1,349Orford$1,357
Dalton$1,314Ossipee$1,325
Danbury$1,249Pelham$1,240
Danville$1,255Pembroke$1,274
Deerfield$1,340Peterborough$1,290
Deering$1,249Piermont$1,285
Derry$1,470Pittsburg$1,340
Dorchester$1,302Pittsfield$1,355
Dover$1,555Plainfield$1,249
Dublin$1,365Plaistow$1,366
Dummer$1,240Plymouth$1,255
Dunbarton$1,357Portsmouth$1,290
Durham$1,249Randolph$1,302
East Kingston$1,325Raymond$1,310
Easton$1,255Richmond$1,240
Eaton$1,249Rindge$1,349
Effingham$1,331Rochester$1,477
Ellsworth$1,314Rollinsford$1,249
Enfield$1,355Roxbury$1,331
Epping$1,290Rumney$1,363
Epsom$1,249Rye$1,259
Errol$1,302Salem$1,368
Exeter$1,310Salisbury$1,290
Farmington$1,240Sanbornton$1,330
Fitzwilliam$1,331Sandown$1,249
Francestown$1,240Sandwich$1,302
Franconia$1,349Seabrook$1,290
Franklin$1,259Sharon$1,357
Freedom$1,290Shelburne$1,355
Fremont$1,249Somersworth$1,259
Gilford$1,325South Hampton$1,240
Gilmanton$1,302Springfield$1,351
Gilsum$1,330Stark$1,261
Goffstown$1,359Stewartstown$1,249
Gorham$1,302Stoddard$1,310
Goshen$1,240Strafford$1,330
Grafton$1,351Stratford$1,302
Grantham$1,249Stratham$1,351
Greenfield$1,310Sugar Hill$1,359
Greenland$1,359Sullivan$1,240
Greenville$1,330Sunapee$1,355
Groton$1,259Surry$1,249
Hampstead$1,261Sutton$1,259
Hampton$1,311Swanzey$1,310
Hampton Falls$1,359Tamworth$1,325
Hancock$1,370Temple$1,288
Hanover$1,302Thornton$1,249
Harrisville$1,351Tilton$1,355
Hart's Location$1,240Troy$1,307
Haverhill$1,355Tuftonboro$1,302
Hebron$1,249Unity$1,261
Henniker$1,260Wakefield$1,248
Hill$1,310Walpole$1,351
Hillsborough$1,328Warner$1,260
Hinsdale$1,363Warren$1,240
Holderness$1,248Washington$1,330
Hollis$1,261Waterville Valley$1,363
Hooksett$1,359Weare$1,355
Hopkinton$1,330Webster$1,310
Hudson$1,302Wentworth$1,261
Jackson$1,355Westmoreland$1,302
Jaffrey$1,351Whitefield$1,328
Jefferson$1,240Wilmot$1,248
Keene$1,260Wilton$1,260
Kensington$1,240Winchester$1,351
Kingston$1,261Windham$1,302
Laconia$1,310Windsor$1,240
Lancaster$1,328Wolfeboro$1,355
Landaff$1,248Woodstock$1,260

Minimum Auto Insurance Requirements in New Hampshire

In New Hampshire, car insurance is not a requirement, but our licensed agents still recommend buying insurance coverage to protect yourself and your assets. If you are at-fault in an auto accident, you will be held liable for bodily injury and property damages you cause to others or their property.

People who buy an auto policy in New Hampshire must have the minimum coverage liability insurance requirements illustrated below. 

Liability insuranceMinimum coverage
Bodily injury liability coverage$25,000 per person and $50,000 per accident
Property damage liability coverage$25,000 per accident
Uninsured/Underinsured bodily injury liability coverage$25,000 per person and $50,000 per accident
Medical payments coverage$1,000 per accident

While you may have a car insurance policy with minimum coverage limits, AutoInsureSavings.org licensed agents recommend getting higher liability limits and uninsured motorist coverage with a full coverage policy.

Full coverage includes collision and comprehensive insurance for more protection for property damage to your vehicle. 

Frequently Asked Questions

Who has the Cheapest Car Insurance in New Hampshire?

USAA offers some of the most affordable rates, $320 per year for minimum coverage, to drivers throughout the country, including New Hampshire.

But for drivers who are not eligible for their coverage, Travelers is an excellent alternative option with $378 per year insurance rates. While they are affordable, USAA and Travelers are also top-rated regarding overall customer service and satisfaction.

USAA has a claims satisfaction score of 890 from J.D. Power and an A++ rating from A.M. Best, while Travelers has a score of 838 and an A++ rating.

How Much is Car Insurance in New Hampshire per Month?

Our research found the average rate of car insurance in New Hampshire per month is $115. Progressive offers drivers a potential savings of around $34, with an average rate for most drivers with full coverage at $81 monthly.

How Much Will my Car Insurance Rise With a Speeding Ticket in New Hampshire?

In New Hampshire, drivers can expect their rates to increase by as much as $285 per year or 22% after receiving a traffic ticket. That is an annual average of $1,670.

The national average rate drivers pay after they receive a speeding violation is $1,727. Drivers in New Hampshire pay around $57 less than that.

How Much Is Full Coverage Car Insurance in New Hampshire?

The average rate for full coverage auto insurance in New Hampshire is $115 per month or $1,385 annually. The cheapest provider we found for full coverage insurance in the state was Progressive. Their average rate for this type of coverage is $81 per month or $980 annually.

How do I Save on Car Insurance in New Hampshire?

There are many different ways to save on car insurance in New Hampshire. The first is to compare insurance rates from top companies in the area. Finding out about a money-saving driver discount you are eligible for is another way. Being a safe driver with a clean driving record, keeping track of your credit report, and taking out multiple life policies or homeowners’ insurance from companies that offer them.

To learn more about the most affordable car insurance options in New Hampshire, contact the experts at AutoInsureSavings.org. Our licensed professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured / underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision coverage$500 deductible

We used average rates for drivers with an accident history, credit score, and marital status for other New Hampshire rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your rates may vary when you get quotes.

Sources

– National Highway Traffic Safety Administration. “Traffic Safety Facts.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Companies.”
– Centers for Disease Control and Prevention. “Sobering Facts: Alcohol-Impaired Driving State Fact Sheets.”
– Insurance Information Institute. “Do auto insurance premiums go up after a claim?.”
– New Hampshire Department of Safety Division of Motor Vehicles. “Financial Responsibility – Insurance Requirements.”

Maurice Draine

Maurice Draine

Maurice, a former licensed P&C insurance agent with a 4-year degree in journalism. He resides in Minneapolis and has worked as a technical writer for UnitedHealthcare and Wells Fargo, where he created Medicare-related policies and procedures for three years. He is also an editor for AutoInsureSavings.org.

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