Find Cheap Auto Insurance Quotes in New Hampshire
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:
- 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.
Find Cheap Auto Insurance Quotes in New Hampshire
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.
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
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.
|Rank||Insurer||Quote before accident||Quote after accident||Difference|
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.
|No accident history||$2,004|
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
- State Farm
|Car insurance company||Complaint ratio|
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.
|City||Insurer||Auto insurance quote|
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 their 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:
The most expensive New Hampshire cities are:
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.
|Rank||City||Car insurance quote|
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 type||Study 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.