State Farm offers the best rates for minimum coverage to New Hampshire drivers. The state average is $744 annually, but State Farm charges just $346 per year.
We recommend that shoppers compare quotes from at least three companies to get their best rates. Type your ZIP code into the box above to get quotes from the top providers near you, or read on to learn which companies feature the cheapest premiums in your state.
Cheapest auto insurance in New Hampshire: State Farm
Our rate analysis found that State Farm is the cheapest car insurance company for minimum liability coverage. Minimum liability policies have the lowest legal coverage limits that the state allows, making them the cheapest form of insurance.
With average annual premiums of $346 across the quotes we considered, State Farm's minimum liability coverage is 54% cheaper than the New Hampshire state average, which is $744 annually.
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However, active service members, veterans and military families qualify for even cheaper coverage from USAA. We found that annual rates from USAA average $251 per year — $95 cheaper than State Farm’s rates and 66% cheaper than the state average.
The average difference in cost between full and minimum coverage in New Hampshire is $1,272 annually. While minimum coverage costs less than full coverage, it risks insufficient protection in the event of an accident. If the damages or injuries you cause exceed the state minimum liability limits on your policy, you'll be responsible for those additional costs, as well as any damage to your own vehicle or person.
Minimum state-required coverage might be affordable, but it could leave you on the hook for repairs after a costly accident.
Cheapest company for full coverage: Geico
Our analysis found that full coverage auto insurance in New Hampshire averages $2,016 per year, or $168 per month. Geico offers New Hampshire drivers annual premiums that are far cheaper, charging $788 annually. That's $1,228 cheaper than average.
We'd recommend looking at Geico for affordable full coverage insurance in New Hampshire — unless you are eligible for USAA coverage. At just $762 a year and $64 a month, USAA's full coverage premiums are even cheaper than Geico's.
|New Hampshire average||$2,016||$168|
Full coverage car insurance policies include comprehensive and collision insurance. Minimum coverage does not. Collision and comprehensive insurance protect damage to your vehicle as a result of a collision, theft, vandalism or natural disaster — regardless of who's at fault. Unless your car’s worth is lower than the combined cost of your deductible and your annual premiums, we recommend getting a full coverage policy.
Cheap car insurance for drivers with prior incidents
Incidents on your driving record — whether it’s an at-fault accident, a DUI citation or a speeding ticket — make you a riskier driver to insure and generally cause insurance companies to raise your rates. With this in mind, our analysis identified the cheapest full coverage car insurance for drivers who have:
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Cheapest for drivers with an accident: Geico
Drivers in New Hampshire with a prior accident in their driving history can find the cheapest full coverage auto quotes at Geico. The average cost of a full coverage auto insurance policy for a New Hampshire driver with an at-fault accident on their record is $3,038 annually. By contrast, Geico's average rates are only $1,067 annually — 65% cheaper than average.
|New Hampshire average||$3,038||$253|
Our analysis found that an at-fault accident in New Hampshire could increase your rates by an average of 51% percent. The good news is that the increase is only temporary: Incidents like at-fault accidents usually disappear from your record after three years.
To make sure you're getting the best rates, however, we recommend shopping around after an at-fault accident. Rates from Hanover, the most expensive insurer, were $7,574 higher than rates from Geico. The huge range highlights why it's critical to compare quotes after your driving record changes if you want to maximize your savings.
Cheapest car insurance for people with a speeding ticket: Geico
Speeding tickets generally don't increase your rates as much as accidents do, but you'll likely still find yourself paying more if you're caught driving above the speed limit on New Hampshire roads. Our research found that New Hampshire drivers with a speeding ticket on their record pay 20% more on average than drivers with a clean record.
Geico, however, is an unusual exception to this rule: Our analysis found that drivers with a clean record and drivers with one speeding ticket on their record will pay the same average annual premium for a Geico full coverage policy: $788. Compared to the average cost for people with a speeding ticket, Geico's rates are over $1,600 cheaper.
|New Hampshire average||$2,409||$201|
Cheapest car insurance for drivers with a DUI: Progressive
In New Hampshire, DUIs raise average annual premiums for full coverage by 83%. Progressive offers rates significantly lower than the statewide average: At just $1,241 annually, the company's premiums are 66% more affordable than average for most drivers.
|New Hampshire average||$3,687||$307|
Cheapest car insurance for drivers with poor credit: Geico
We found that New Hampshire drivers with poor credit pay, on average, 86% higher rates than drivers with average credit. This is because insurers generally view a poor credit score as a sign of increased risk and raise rates to account for that risk.
If you have a low credit score, Geico may offer you the most affordable rates: Our analysis found that annual premiums from the company were 65% cheaper than the state average.
|New Hampshire average||$3,081||$257|
Cheapest car insurance for married drivers: Geico
If you're a married driver in New Hampshire, auto insurers see you as lower risk and will offer slightly lower rates. Our analysis found that married drivers pay $41 less on average than single drivers. Geico offers married drivers the best deal: Annual premiums are just $346, over $1,500 cheaper than the statewide average.
|New Hampshire average||$1,975||$165|
Cheapest car insurance for young drivers: Geico
Our analysis found that the average rate for young New Hampshire drivers is three times more expensive than for adult drivers.
Young drivers statistically get in more accidents, which means those drivers cost insurers far more to cover. New Hampshire drivers who are 18 years old pay $6,649 a year on average for full coverage — $4,633 more than older drivers.
If you're a young driver looking for affordable rates in New Hampshire, consider taking out a policy with Geico. According to our analysis, average annual premiums from Geico are $2,066 — 69% cheaper than the state average.
|N/A||New Hampshire average||$6,649||$2,412|
*USAA is excluded from rankings because it is only available to current and former military members and their families.
Geico also offers the best rates for minimum coverage, charging 18-year-old drivers in New Hampshire just $1,021 each year. Only USAA offers more affordable rates: Young drivers in the military or in a military family can pay just $753 annually.
Cheapest for young drivers with one accident: Geico
Insurers already charge young drivers high premiums, but those with an accident on their record are charged more. According to our research, young New Hampshire drivers pay average annual premiums of $9,436 each year — 42% more than young drivers with a clean record.
Geico offers the most affordable insurance to young people who have been in an accident. At $2,664 annually and $222, the company's rates are 72% cheaper than average.
|New Hampshire average||$9,436||$786|
Cheapest for young drivers with one speeding ticket: Geico
If you're a young New Hampshire driver caught speeding on the roads, our research found that your car insurance rates will jump by 21% on average. Geico, however, was far more forgiving than other companies: Rates stayed constant for young drivers after a speeding ticket — $2,066 annually, or $172 monthly.
|New Hampshire average||$8,041||$670|
Best auto insurance companies in New Hampshire
Auto-Owners is the best insurer in New Hampshire, when considering its customer service and claim satisfaction ratings from ValuePenguin's survey of current customers.
Drivers eligible for USAA membership would likely find it a good choiceas well, while those who are not eligible could consider State Farm as an alternative. Both companies also received high marks for recent claims from the policyholders we surveyed.
Percent of respondents overall extremely satisfied with most recent claim
Percent of respondents who rated customer service as "excellent"
Overall rank takes both claim satisfaction and customer service rankings into account.
Auto-Owners also received strong marks from the National Association of Insurance Commissioners (NAIC) and J.D. Power. Auto-Owner's Complaint Index at the National Association of Insurance Commissioners (NAIC) was just 0.18, meaning it received only 18% as many complaints as is typical for an insurer its size.
Similarly, while the national average customer claims satisfaction ranking was 872, Auto-Owners' claims satisfaction at 890 exceeded expectations. If top-notch customer service is your priority, we recommend Auto-Owners.
NAIC Complaint Index (lower is better)
J.D. Power claims satisfaction score (Higher is better)
AM Best Financial Strength Rating
All the companies we looked at had a Financial Strength Rating from AM Best of A or better, meaning AM Best believes they have an "Excellent" or "Superior" ability to pay out claims.
Average car insurance cost in New Hampshire by city
Depending on the city you live in, full coverage car insurance rates in New Hampshire can vary by as much as $649 per year. Insurers generally charge policyholders who live in large cities higher rates, as accidents and auto theft are more common in urban areas.
Average annual cost
Percent from average
New Hampshire rate changes by company
In New Hampshire, auto insurance providers decreased their premiums in 2020 by 2.5%, continuing the trend of lower rates observed in the previous year. State Farm showed the most significant decrease in premiums, lowering prices 15.2% compared to 2019. That’s nearly six times greater than the next-closest competitor, Progressive, which dropped rates 2.7% in 2020.
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
Minimum requirements for auto insurance coverage in New Hampshire
In New Hampshire, auto insurance is not a requirement, unlike nearly all other states.
We still recommend carrying car insurance to protect yourself and your assets. If you are deemed at fault for an accident, you will be held liable for damages you cause to others.
Drivers who 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.
Recap of the cheapest car insurance in New Hampshire
- Minimum coverage: State Farm
- Full coverage: Geico
- After an at-fault accident: Geico
- After a speeding ticket: Geico
- After a DUI: Progressive
- Poor credit history: Geico
- Very good credit history: Geico
- Married couples: Geico
- Young drivers: Geico
- Young drivers with one accident: Geico
- Young drivers with speeding ticket: Geico
We collected thousands of rates from ZIP codes across New Hampshire for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
|Bodily liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|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 our minimum-coverage policy, we quoted a policy with the minimum required limits in New Hampshire, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
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.