Find affordable auto insurance that works for you in New Hampshire. Compare quotes from over 100 top companies.
Across the Granite State, there are 33,002 miles of road just waiting to be driven. Read on to learn how much auto insurance costs in New Hampshire based on these variables, or submit your ZIP code above to receive free personalized quotes from top insurers offering the best value.
See quotes from dozens of insurance companies that provide coverage throughout New Hampshire. Enter your ZIP code below to get started.
Drivers with squeaky clean driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. New Hampshire drivers without a recent at-fault accident typically save 39% on their car insurance premiums — much more than the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$250||18.90%|
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In New Hampshire, the typical teen driver pays $4,586 per year — about $400 less than the national average and approximately four times as much as does the typical New Hampshire driver.
|Age||Annual Rate with Parents||Annual Rate Alone|
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 41% after a DUI, 39% after an at-fault accident, and 18% after a speeding ticket in New Hampshire. The post-citation penalties assessed by car insurance companies in New Hampshire roughly align with national averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.
|Rating Factor||Annual Rate||% Increase|
Each car insurance company emphasizes its low costs. But just like with any product or service, the cheapest auto insurance policy is not always the preferable choice. Considering what's at stake, it's worth doing the due diligence to discover the insurance policy that will cover your car completely in the event of a collision. Find a great value, rather than settling for the cheapest car insurance in New Hampshire.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
|Allstate||Above average||Average||Superior||4.3 / 5|
|GEICO||Average||Average||Superior||4.4 / 5|
|Liberty Mutual||Below average||Above average||Good||4.2 / 5|
|Nationwide||Above average||Poor||Superior||4.3 / 5|
|Progressive||Below average||Below average||Excellent||4.3 / 5|
|State Farm||Above average||Above average||Superior||4.5 / 5|
|Travelers||Below average||Below average||Superior||4.3 / 5|
In New Hampshire, the state minimum coverage requirements are as follows:
Optional coverage in New Hampshire (varies by carrier):
If you select the minimum required coverage in New Hampshire, you will pay an average of $510 annually. This is cheaper than the U.S. average by 22%. If you want better coverage, you can choose a policy with comprehensive and collision coverage, protecting against damages caused by auto collisions, theft or vandalism, or weather incidents. It's worth noting that better coverage comes at a cost: in New Hampshire, a comprehensive insurance policy with a $1,000 deductible costs $969, 90% more than liability-only coverage. For comprehensive insurance coverage with a $500 deductible, expect to pay 113% more than you might for liability-only coverage.
Learn more about New Hampshire's auto insurance minimums.
If you receive a ticket or citation, your auto insurance premiums may go up. How much your rates rise depends on the specific citation, your insurer's pricing standards, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
See the below table for average car insurance rates in New Hampshire after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,076||88%||$970|
|Refused Breathalyzer/Chemical Test||$1,902||72%||$797|
|Driving with a Suspended License||$2,027||83%||$921|
|Driving with an Open Container||$1,727||56%||$622|
|Operating a Vehicle Without Permission||$1,502||36%||$397|
|Passing a School Bus||$1,542||40%||$437|
|Following Too Closely||$1,373||24%||$268|
|Failure to Stop at a Red Light||$1,373||24%||$268|
|Driving Wrong Way/Wrong Lane||$1,430||29%||$325|
|Failure to Yield||$1,373||24%||$268|
|Speeding in a School Zone||$1,397||26%||$292|
|Driving Too Slowly||$1,339||21%||$234|
|Driving with Expired Registration||$1,280||16%||$175|
|Failure to Show Documents||$1,280||16%||$175|
|Failure to Use Child Safety Restraint||$1,105||0%||$0|
|Failure to Wear a Seat Belt||$1,105||0%||$0|
|Driving Without Lights||$1,105||0%||$0|
On average, insurance in New Hampshire is $313 cheaper per year than it is in the rest of the U.S. A full-coverage insurance policy in New Hampshire costs drivers an average of $542.
Unlike most other states, New Hampshire does not require auto insurance. Instead, you can submit a certificate of financial responsibility which proves you are able to cover the costs of an accident. If you cause an accident while driving uninsured, you are still responsible for covering the damages.
Insurance is cheaper than average in New Hampshire. On average, drivers pay $26 less per month than drivers in the rest of the U.S.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Concord, New Hampshire, and the most expensive in Manchester, New Hampshire.
|Rank||City||Avg. Annual Premium|