Best cheap auto insurance in NH
Safety, State Farm and Concord are the cheapest companies for many people in New Hampshire.
- Want full coverage? Safety: $104/mo
- Only need minimum coverage? Safety: $37/mo
- Want the best service? Concord: $131/mo
- Have a speeding ticket? Safety: $104/mo
- Caused an accident? State Farm: $160/mo
- Need coverage for a teen? Concord: $122/mo
- Got a DUI? Progressive: $192/mo
- Have poor credit? Geico: $163/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in NH: Safety
Safety and Geico have the cheapest full coverage car insurance in New Hampshire.
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Safety has the cheapest full coverage rates in NH, at $104 per month. That's $30 per month cheaper than the New Hampshire average.
However, Safety doesn't offer online quotes, which means you'll have to speak with an agent to compare rates.
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Geico has the cheapest online quotes in New Hampshire, at $111 per month for a full coverage policy.
While that's only $7 per month more than a Safety policy, Geico doesn’t have the best customer service reviews.
- Concord may be worth the extra expense if you value good customer service. At $131 per month, full coverage from Concord is still $3 per month cheaper than average.
Find Cheap Car Insurance Quotes in New Hampshire
Cheapest full coverage car insurance in New Hampshire
Data-powered research on New Hampshire car insurance
Cheapest liability-only NH auto insurance: Safety
- Safety has the cheapest minimum liability car insurance in New Hampshire. A liability-only policy from Safety costs $37 per month, which is $18 per month less than the state average.
- USAA has affordable car insurance for veterans and military families. Minimum liability coverage from USAA costs $37 per month.
Cheap minimum liability car insurance quotes in NH
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New Hampshire car insurance rates by city
- Safety has the cheapest full coverage insurance in about two-thirds of cities and towns across New Hampshire, including Concord. Geico has the cheapest rates in the rest of New Hampshire, including its two largest cities, Manchester and Nashua.
- Keene, a city in southwestern New Hampshire, has the cheapest car insurance quotes in the state. Drivers in Keene pay an average of $133 per month for a full coverage policy.
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Manchester, located just north of Boston, has the most expensive car insurance in New Hampshire, at $176 per month.
As the largest city in the state, Manchester has more traffic and higher auto theft rates than many other cities in New Hampshire. This makes car insurance more expensive because traffic and theft lead to more claims.
Find Cheap Car Insurance Quotes in New Hampshire
Cheapest full coverage quotes in New Hampshire by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Manchester | $176 | Geico | $123 |
| Nashua | $162 | Geico | $113 |
| Concord | $144 | Safety | $105 |
| Rochester | $143 | Geico | $101 |
| Dover | $145 | Safety | $106 |
| Keene | $133 | Safety | $94 |
| Portsmouth | $142 | Safety | $96 |
| Alton Bay | $146 | Geico | $103 |
| Antrim | $147 | Geico | $103 |
| Ashland | $139 | Safety | $93 |
| Ashuelot | $138 | Geico | $107 |
| Barnstead | $148 | Safety | $107 |
| Belmont | $142 | Geico | $103 |
| Berlin | $142 | Safety | $106 |
| Bretton Woods | $140 | Safety | $91 |
| Bristol | $144 | Safety | $93 |
| Center Barnstead | $150 | Geico | $103 |
| Center Conway | $139 | Safety | $91 |
| Center Ossipee | $143 | Safety | $91 |
| Center Sandwich | $139 | Safety | $91 |
| Center Strafford | $147 | Safety | $107 |
| Center Tuftonboro | $140 | Safety | $91 |
| Charlestown | $139 | Geico | $103 |
| Chesterfield | $138 | Geico | $103 |
| Chocorua | $140 | Safety | $91 |
| Claremont | $139 | Geico | $100 |
| Colebrook | $143 | Safety | $91 |
| Contoocook | $144 | Geico | $103 |
| Conway | $137 | Safety | $91 |
| Cornish Flat | $137 | Geico | $103 |
| Derry | $164 | Safety | $117 |
| Drewsville | $140 | Geico | $103 |
| Durham | $146 | Safety | $106 |
| East Andover | $143 | Geico | $103 |
| East Candia | $151 | Safety | $107 |
| East Hampstead | $165 | Safety | $107 |
| East Hebron | $137 | Safety | $93 |
| East Merrimack | $150 | Geico | $114 |
| East Wakefield | $144 | Safety | $91 |
| Eaton Center | $140 | Safety | $91 |
| Elkins | $143 | Geico | $103 |
| Enfield | $136 | Safety | $102 |
| Enfield Center | $135 | Safety | $102 |
| Epping | $149 | Safety | $107 |
| Etna | $134 | Safety | $93 |
| Exeter | $149 | Safety | $106 |
| Farmington | $150 | Safety | $106 |
| Franklin | $141 | Geico | $103 |
| Georges Mills | $137 | Geico | $103 |
| Gilmanton Iron Works | $148 | Geico | $103 |
| Glen | $137 | Safety | $91 |
| Glencliff | $139 | Safety | $93 |
Best car insurance in New Hampshire: Concord
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Full coverage rate$131/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Customer complaintsLowThis is based on data from the National Association of Insurance Commissioners complaint index.
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AM Best ratingA+An A+ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the second-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in New Hampshire based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in New Hampshire
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest car insurance for NH drivers with a speeding ticket: Safety
Safety has the best cheap auto insurance for New Hampshire drivers with a single speeding ticket. At $104 per month, full coverage from Safety costs $63 per month less than the state average.
Affordable car insurance in NH after a ticket
Company | Monthly rate |
|---|---|
| Safety | $104 |
| State Farm | $142 |
| Geico | $155 |
| Concord | $177 |
| USAA* | $120 |
*USAA is only available to current and former military members and their families.
New Hampshire drivers pay about 25% more for car insurance after a single speeding ticket. That's an average increase of $33 per month for a full coverage policy.
Cheapest quotes for NH drivers after an accident: State Farm
State Farm offers the cheapest quotes for New Hampshire drivers with an at-fault accident in their driving history. A full coverage policy from State Farm costs $160 per month, which is nearly one-quarter less than the New Hampshire average.
Cheap New Hampshire auto insurance quotes after a crash
Company | Monthly rate |
|---|---|
| State Farm | $160 |
| MMG | $190 |
| Concord | $201 |
| Safety | $206 |
| USAA* | $146 |
*USAA is only available to current and former military members and their families.
An at-fault accident in New Hampshire increases auto insurance quotes by an average of $77 per month.
Don't rush to switch car insurance companies right after your accident. Your rates won't go up until your current policy needs to be renewed. But any quotes you get will factor in your accident, so they'll usually be more expensive than what you're currently paying.
Instead, wait for your insurance company to send your renewal offer, which usually comes a few weeks to a month before your policy expires. Then, you should shop around for multiple quotes to find the best price for you.
Best NH car insurance rates for teens: Concord and MMG
- Minimum liability coverage: Concord and MMG have the cheapest minimum liability quotes for young drivers in New Hampshire, at $122 per month. That's around one-quarter less than the state average.
- Full coverage: MMG has the best full coverage quotes for teen drivers, at just $229 per month. That's $163 per month less than the New Hampshire average.
Cheap New Hampshire auto insurance for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Concord | $122 | $254 |
| MMG | $122 | $229 |
| Geico | $126 | $302 |
| Safety | $147 | $422 |
| USAA* | $147 | $392 |
*USAA is only available to current and former military members and their families.
In New Hampshire, young drivers pay nearly three times as much for car insurance as older drivers. That's because they tend to get in more accidents. This makes them more expensive to insure because companies may have to pay out more money from claims.
The best way for New Hampshire teens to lower their car insurance rates is by sharing a policy with their parents or an older relative. A shared policy is usually much cheaper than two separate policies, and you can qualify for a multicar discount.
Young drivers should also try to qualify for as many discounts as possible. For example, many companies offer a discount for getting good grades in school, taking a defensive driving course or bundling your home or renters insurance.
Cheapest NH insurance for teens with a ticket or accident: Safety and MMG
- Speeding ticket: Safety is the cheapest company for young drivers in New Hampshire with a speeding ticket on their record. A minimum liability policy from Safety costs $147 per month for an 18-year-old with one speeding ticket. That's 23% less than the New Hampshire state average.
- Accident: Teens with a recent accident on their record pay around $181 per month for a liability-only policy from MMG, which is 20% less than the state average.
Best auto insurance in NH for teens after a ticket or crash
Company | Ticket | Accident |
|---|---|---|
| Safety | $147 | $203 |
| Geico | $154 | $195 |
| Concord | $165 | $192 |
| MMG | $172 | $181 |
| USAA* | $195 | $252 |
*USAA is only available to current and former military members and their families.
In New Hampshire, teens with a speeding ticket pay 19% more for car insurance than those with clean records. And an at-fault accident will raise your rates by around 42%. That's less than the typical increase for older drivers because young drivers are considered high risk to begin with.
Cheap auto insurance quotes in NH after a DUI: Progressive
Progressive has the most affordable car insurance in New Hampshire after a DUI. A full coverage policy from Progressive costs $192 per month after a DUI, which is $39 per month cheaper than the statewide average.
Affordable New Hampshire car insurance rates after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $192 |
| MMG | $215 |
| Safety | $230 |
| Concord | $231 |
| USAA* | $206 |
*USAA is only available to current and former military members and their families.
New Hampshire drivers can expect their rates to go up by around 73% after a DUI. That's an increase of $97 per month for full coverage insurance, on average.
Cheapest car insurance for drivers with poor credit: Geico
Geico has the best car insurance quotes in New Hampshire for drivers with poor credit. With an average price of $163 per month for full coverage, a policy from Geico is $112 per month cheaper than the state average.
Affordable auto insurance quotes in NH with bad credit
Company | Monthly rate |
|---|---|
| Geico | $163 |
| Safety | $176 |
| Concord | $191 |
| Allstate | $256 |
| USAA* | $207 |
*USAA is only available to current and former military members and their families.
New Hampshire drivers with poor credit pay more than twice as much for full coverage as drivers with good credit. This is because insurance companies believe drivers with bad credit are more likely to file claims in the future.
You can improve your credit score by paying your bills on time and limiting the number of new cards or credit lines you apply for. While these actions won't affect your car insurance rates right away, a better credit score could mean lower rates when your policy renews.
Is your car insurance company raising rates in New Hampshire in 2026?
A handful of major companies have raised their car insurance rates in New Hampshire in 2026, though increases have been fairly minor. And a few companies have actually lowered rates across the state.
- ↑ Biggest increase: American Family at +1.7%
- ↓ Biggest decrease: State Farm at -10.0%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| State Farm | ↓ 10.0% | ↑ 33.2% |
| Travelers | ↓ 4.0% | ↑ 27.7% |
| Amica | ↓ 3.0% | ↑ 20.5% |
| Allstate | ↓ 0.6% | ↑ 21.3% |
| Geico | 0.0% | ↑ 32.2% |
| USAA | 0.0% | ↑ 20.0% |
| Plymouth Rock | 0.0% | ↑ 41.6% |
| AAA | 0.0% | ↑ 33.1% |
| Progressive | ↑ 0.5% | ↑ 31.3% |
| Farmers | ↑ 1.2% | ↑ 39.0% |
| Liberty Mutual | ↑ 1.3% | ↑ 38.7% |
| American Family | ↑ 1.7% | ↑ 56.8% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
Do I need car insurance in New Hampshire?
New Hampshire is the only state that doesn’t require vehicle owners to have car insurance. If you don’t buy car insurance, you'll have to deposit $100,000 in cash or securities with the state treasurer.
Most New Hampshire drivers choose to have car insurance, so the state doesn’t have many uninsured drivers. But if you're convicted of any of the traffic violations listed below, you'll need to get insurance:
- Driving while intoxicated
- A hit-and-run
- A second speeding ticket
- A second warning or ticket for other traffic violations
In addition, lenders typically require you to have car insurance if you have a car loan or lease.
Drivers who buy car insurance must meet the 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 motorist bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Uninsured motorist property damage liability coverage: $25,000 per accident
- Medical payments coverage: $1,000 per accident
What's the best car insurance coverage in NH?
Full coverage is the best choice for most drivers in New Hampshire.
One reason for this is because full coverage car insurance includes comprehensive and collision insurance. Collision and comprehensive insurance cover damage to your car because of a crash, theft, vandalism or a natural disaster, regardless of who's at fault.
Full coverage can also have higher liability limits than required by the state. This is important because the minimum requirement may not be high enough to cover the cost of a serious accident.
For example, if you hit and total an expensive car, it's unlikely that $25,000 of property damage liability will be enough to replace it. So if you have minimum coverage, you may end up with a big bill after a major crash.
Frequently asked questions
Is Safety better than State Farm?
Safety has cheaper rates than State Farm in New Hampshire, but State Farm has more reliable customer service.
Do I need car insurance in New Hampshire?
Car insurance is not required in New Hampshire. However, drivers who choose not to buy a policy need to deposit $100,000 in cash or securities with the state treasurer. However, most drivers prefer to get an insurance policy.
What is the cheapest car insurance in New Hampshire?
Safety has the cheapest insurance rates in New Hampshire in 2026. A full coverage policy from Safety costs $104 per month, while minimum liability coverage costs $37 per month. Both are significantly less than the New Hampshire state averages.
Is car insurance expensive in New Hampshire?
New Hampshire has the second-cheapest full coverage rates in the country. It's also the 13th-cheapest state for minimum liability insurance. This is partially because New Hampshire has fewer deadly car accidents and uninsured drivers than many other states.
How much does car insurance cost in New Hampshire?
The average cost of full coverage car insurance in New Hampshire is $134 per month, or $1,605 per year. Minimum liability coverage costs $55 per month, or $657 per year.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across New Hampshire for the largest insurance companies in the state. Rates are for a 30-year-old man with good credit who owns a 2018 Honda Civic EX.
Quotes are for a full coverage policy with comprehensive and collision coverage and liability limits that are higher than the New Hampshire minimum requirement.
- $50,000 of bodily injury liability coverage per person and $100,000 per accident
- $50,000 of property damage liability
- $10,000 of medical payments coverage
- $50,000 of bodily injury uninsured motorist coverage per person and $100,000 per accident
- $25,000 of property damage uninsured motorist coverage per accident
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the New Hampshire Insurance Department. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
