Who has the Cheapest Car Insurance Quotes in New Hampshire? (2019)

Find the Cheapest Auto Insurance Quotes in Your Area

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The average cost of minimum coverage car insurance in New Hampshire is $643 per year, or $54 per month.

Depending on where drivers live and who they are insured with, premiums in New Hampshire can vary widely. In many cases, annual auto quotes can differ by several thousand dollars across carriers.

Such large disparities illustrate the importance of getting multiple car insurance quotes to compare. Read more below, or enter your ZIP code above for a list of the best insurance companies with the cheapest rates near you.

Cheap car insurance in New Hampshire

The cheapest minimum-coverage auto insurance policies in New Hampshire are provided by:

  • GEICO
  • State Farm
  • Concord Group

These three insurers have average car insurance quotes of $447 per year, or $37 per month — which is 30% cheaper than the New Hampshire average.

This graph shows the three cheapest auto insurance companies in New Hampshire compared to the state average.
This graph shows the three cheapest auto insurance companies in New Hampshire compared to the state average.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
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Hanover, Metropolitan and Amica provide the most expensive minimum coverage car insurance rates in New Hampshire, averaging quotes of $937 per year, or 46% more than the state average.

Your quotes will ultimately depend on your specific circumstances, such as what vehicle you drive, whether you’ve had any accidents or moving violations in the past five years, and what liability coverage limits you choose to be insured for.

Enter your ZIP code above for a list of companies near you.

RankInsurerCar insurance quote
1GEICO$379
2State Farm$458
3Concord Group$503
4Progressive$593
5Allstate$798
6Amica$901
7Metropolitan$931
8Hanover$981
NAUSAA$241

Minimum coverage car insurance meets New Hampshire's minimum legal requirements.

Full coverage car insurance policies include comprehensive and collision insurance, whereas minimum coverage does not.

Collision and comprehensive insurance protects damage to your vehicle as a result of a collision, theft, vandalism or natural disaster — regardless of who's at fault.

While minimum coverage generally costs less, purchasing less liability coverage and opting out of comprehensive and collision coverage can risk insufficient protection in the event of an accident.

The average difference in cost between full and minimum coverage auto insurance in New Hampshire is $1,361 per year, or $113 per month.

Cheapest full coverage car insurance in New Hampshire

The cheapest insurers for full coverage auto insurance in New Hampshire are:

  • GEICO: $905
  • Concord Group: $1,128
  • Progressive: $1,419

These insurers were the most affordable in New Hampshire, with average annual rates of $1,150 per year, or $96 per month and 43% less than the annual state average of $2,004.

The most expensive New Hampshire insurers for full coverage are:

  • State Farm
  • Amica
  • Hanover

Comprehensive and collision coverages reimburse drivers for car damage and are included in full coverage auto insurance policies.

Cheapest full coverage auto insurance in New Hampshire with a prior accident

Drivers in New Hampshire with a prior accident in their driving history can find the cheapest *full coverage** auto quotes at GEICO, Concord Group and Progressive.

Together, these insurance companies provides average annual quotes of $1,649 per year, or 40% less than the New Hampshire average.

RankInsurerQuote before accidentQuote after accidentDifference
1GEICO$905$1,213$308
2Concord Group$1,128$1,497$369
3Progressive$1,419$2,238$819
4Allstate$2,402$3,422$1,020
5Amica$2,854$3,567$713
6State Farm$3,412$3,682$270
7Metropolitan$2,339$3,975$1,636
8Hanover$2,816$4,249$1,433
NAUSAA$760$1,028$268

A single accident or claim filing on your record can significantly increase your car insurance quotes, as carriers are likely to view you as a higher-risk driver.

The annual difference in New Hampshire car insurance rates for a full coverage policy with no accidents compared to a policy with one accident was $759 per year, or $63 per month.

Annual rate
No accident history$2,004
One accident$2,763

Best car insurance companies in New Hampshire

The best car insurance companies in New Hampshire, measured by their complaint ratios, a measure of customer satisfaction, are:

  • Concord Group
  • Progressive
  • State Farm
Car insurance companyComplaint ratio
Concord Group0.41
Progressive0.53
State Farm0.57
Amica Mutual0.67
Allstate0.69
USAA0.84
GEICO0.92
Hanover0.98
Metropolitan1.16

The complaint index allows consumers to compare how many complaints each insurer gets while taking into account the amount of auto insurance business they have in the state. The lower the ratio, the happier drivers are with their provider.

Do you need car insurance in New Hampshire?: Minimum car insurance requirements

In New Hampshire, purchasing auto insurance is not a requirement, unlike nearly all other states.

It is still recommended that you carry car insurance to protect yourself and your assets, as if you are at fault for an accident, you will be held liable for damages you cause to others.

Importantly, drivers that do buy auto insurance must still hold the following minimum coverage requirements:

  • 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

Furthermore, although your car insurance policy may meet New Hampshire's minimum coverage requirements, we recommend all drivers consider higher coverage limits and full coverage policies.

Minimum coverage may not be enough to fully cover damages in a costly accident, and full coverage ensures at least some degree of protection for property damage to your vehicle.

Cheap car insurance in New Hampshire by city

In New Hampshire's largest cities, GEICO, Concord Group and Progressive were the cheapest auto insurance companies.

Current and former members of the military, as well as their families, may find even cheaper rates with USAA.

What drivers pay for car insurance, however, varies due to many factors, such as where they live and drive.

Below we identify the best full coverage rates quoted for the top three carriers in 50 New Hampshire cities.

CityInsurerAuto insurance quote
AntrimGEICO$834
Concord Group$1,085
Progressive$1,356
BarnsteadGEICO$890
Concord Group$1,136
Progressive$1,381
BelmontGEICO$834
Concord Group$1,222
Progressive$1,356
BerlinGEICO$905
Concord Group$1,173
Progressive$1,523
BristolGEICO$936
Concord Group$1,229
Progressive$1,427
CharlestownGEICO$834
Concord Group$1,050
Progressive$1,356
ChesterfieldGEICO$834
Concord Group$997
Progressive$1,356
ClaremontGEICO$837
Concord Group$1,071
Progressive$1,453
ColebrookGEICO$936
Concord Group$1,015
Progressive$1,427
ConcordGEICO$916
Concord Group$1,159
Progressive$1,227
ConwayGEICO$936
Concord Group$1,117
Progressive$1,427
DerryGEICO$1,080
Concord Group$1,252
Progressive$1,437
DoverGEICO$861
Concord Group$1,202
Progressive$1,504
DurhamGEICO$861
Concord Group$1,202
Progressive$1,504
EnfieldGEICO$834
Concord Group$1,061
Progressive$1,356
EppingGEICO$890
Concord Group$1,154
Progressive$1,371
ExeterGEICO$931
Concord Group$1,180
Progressive$1,534
FarmingtonGEICO$936
Concord Group$1,133
Progressive$1,506
FranklinGEICO$834
Concord Group$1,247
Progressive$1,356
GoffstownGEICO$981
Concord Group$1,211
Progressive$1,402
GreenvilleGEICO$834
Concord Group$1,207
Progressive$1,356
HamptonGEICO$917
Concord Group$1,207
Progressive$1,508
HanoverGEICO$834
Concord Group$1,028
Progressive$1,356
HaverhillGEICO$936
Concord Group$1,014
Progressive$1,427
HennikerGEICO$834
Concord Group$1,119
Progressive$1,356
HillsboroughGEICO$834
Concord Group$1,189
Progressive$1,356
HooksettGEICO$981
Concord Group$1,138
Progressive$1,573
HudsonGEICO$993
Concord Group$1,290
Progressive$1,455
JaffreyGEICO$882
Concord Group$1,145
Progressive$1,356
KeeneGEICO$856
Concord Group$1,270
Progressive$1,408
LaconiaGEICO$945
Concord Group$1,328
Progressive$1,365
LancasterGEICO$936
Concord Group$1,063
Progressive$1,427
LebanonGEICO$834
Concord Group$1,004
Progressive$1,356
LittletonGEICO$936
Concord Group$986
Progressive$1,427
LondonderryGEICO$993
Concord Group$1,199
Progressive$1,455
ManchesterGEICO$1,070
Concord Group$1,182
Progressive$1,614
MeredithGEICO$834
Concord Group$1,303
Progressive$1,356
MilfordGEICO$958
Concord Group$1,237
Progressive$1,427
NashuaGEICO$963
Concord Group$1,205
Progressive$1,492
NewmarketGEICO$861
Concord Group$1,228
Progressive$1,504
NewportGEICO$837
Concord Group$1,016
Progressive$1,519
PeterboroughGEICO$834
Concord Group$1,134
Progressive$1,356
PlymouthGEICO$936
Concord Group$1,156
Progressive$1,290
PortsmouthGEICO$862
Concord Group$1,159
Progressive$1,437
RaymondGEICO$890
Concord Group$1,159
Progressive$1,371
RochesterGEICO$844
Concord Group$1,145
Progressive$1,344
SomersworthGEICO$844
Concord Group$1,161
Progressive$1,344
TroyGEICO$882
Concord Group$1,079
Progressive$1,356
WinchesterGEICO$882
Concord Group$1,013
Progressive$1,356
WolfeboroGEICO$936
Concord Group$1,096
Progressive$1,427

To find cheap car insurance, we always recommend comparing auto quotes from at least three insurers. Below, we take a closer look at the best full coverage rates in New Hampshire's largest cities, where data was available.

Cheap auto insurance in Manchester, New Hampshire

  • Average annual auto insurance quote in Manchester = $2,411
  • 20% more expensive than the New Hampshire average

Manchester was the most expensive New Hampshire city for car insurance in our study.

We recommend Manchester drivers get quotes from GEICO, Concord Group and Progressive. These insurers were the most affordable, offering rates 47% less than the Manchester average.

Cheap auto insurance in Nashua, New Hampshire

  • Average annual auto insurance quote in Nashua = $2,137
  • 7% more expensive than the New Hampshire average

Nashua's car insurance rates were slightly more expensive than the New Hampshire average. Nevertheless, quotes can vary substantially across insurers. For example, the most expensive Nashua insurer, State Farm ($3,975), cost $3,012 more annually than the cheapest, GEICO ($963).

Cheap auto insurance in Concord, New Hampshire

  • Average annual auto insurance quote in Concord = $1,873
  • 7% cheaper than the New Hampshire average
Car insurance in Concord costs slightly less than the average New Hampshire rate. Drivers, however, should always compare quotes from several insurers to ensure they get the best rate. The most expensive carrier in Concord has auto quotes 3.8 times that of the cheapest.

Cheap auto insurance in Derry, New Hampshire

  • Average annual auto insurance quote in Derry = $2,209
  • 10% more expensive than the New Hampshire average

Affordable car insurance in Derry can be found at GEICO, Concord Group and Progressive — the three insurers with the lowest costs. Their annual premiums averaged $1,256, which offers about 43% more savings relative to the average rate in Derry.

Cheap auto insurance in Dover, New Hampshire

  • Average annual auto insurance quote in Dover = $1,988
  • 1% cheaper than the New Hampshire average

Dover's auto insurance rates for a year of full coverage are largely in line with the New Hampshire average. Motorists may still find opportunities to save by comparing rates online from several insurance companies.

Average cost of car insurance in New Hampshire

The average cost of full coverage car insurance in New Hampshire is $2,004 per year, or $167 per month.

Premiums, however, vary drastically depending on where you live.

The cheapest cities for full coverage in New Hampshire are:

  • Keene
  • Chesterfield
  • Concord

The most expensive New Hampshire cities are:

  • Manchester
  • Hooksett
  • Derry

Here is a list of the average cost of insurance for New Hampshire's 50 largest cities, where quotes were available, ranked from cheapest to most expensive.

RankCityCar insurance quote
1Keene$1,847
2Chesterfield$1,871
3Concord$1,873
4Enfield$1,875
5Lebanon$1,876
6Winchester$1,876
7Hanover$1,882
8Jaffrey$1,893
9Troy$1,898
10Newport$1,924
11Somersworth$1,951
12Plymouth$1,951
13Franklin$1,952
14Claremont$1,957
15Rochester$1,965
16Antrim$1,965
17Haverhill$1,968
18Meredith$1,969
19Belmont$1,974
20Bristol$1,978
21Henniker$1,980
22Wolfeboro$1,984
23Portsmouth$1,985
24Dover$1,988
25Peterborough$1,989
26Laconia$1,990
27Newmarket$1,991
28Littleton$1,991
29Hillsborough$1,994
30Conway$1,997
31Durham$2,002
32Colebrook$2,003
33Barnstead$2,005
34Epping$2,007
35Milford$2,013
36Lancaster$2,015
37Farmington$2,020
38Charlestown$2,021
39Raymond$2,022
40Greenville$2,034
41Berlin$2,036
42Hampton$2,055
43Exeter$2,059
44Goffstown$2,127
45Nashua$2,137
46Londonderry$2,176
47Hudson$2,207
48Derry$2,209
49Hooksett$2,214
50Manchester$2,411

Methodology

We collected car insurance quotes for New Hampshire cities from nine car insurance companies.

Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services.

Unless otherwise noted, our sample driver held full coverage car insurance with the following limits:

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

For a minimum coverage policy, our sample driver had coverage equivalent to the minimum New Hampshire state requirements.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

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