Car Insurance in New Hampshire

  • Hanover offers the cheapest liability and full coverage in NH
  • Compare the cheapest car insurance quotes in NH from Progressive, Allstate, Liberty Mutual and Nationwide (+other top companies)
Location pin icon
No junk mail. No spam calls. Free quotes.

About The Zebra's recommendations

The Zebra’s product features real quotes from some of the companies we review. However, our content and reviews are unbiased and never commissioned-based.

Reference our editorial standards or learn more about how we make money.

Author profile picture

Renata Balasco

Senior Content Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Credentials
  • Licensed Insurance Agent — Property and Casualty
Author profile picture

Beth Swanson

SEO Content Strategist

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Credentials
  • Licensed Insurance Agent — Property and Casualty
Author profile picture

Kristine Lee

Insurance Analyst

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 5+ years of Experience in the Insurance Industry

Car insurance quotes in New Hampshire

The average driver in New Hampshire can expect to pay about $711 for a six-month car insurance policy. This is quite affordable compared to the rest of the country — 35% cheaper than the national average, in fact.[1] 

Still, auto insurance rates comprise many factors, including a driver's age and driving history. Expensive rates were reported as the reason 40% of New Hampshire shoppers looked for quotes with The Zebra.[2]

The Zebra's experts analyzed average New Hampshire car insurance rates for these rating factors in an effort to help you find an affordable policy. Read on to learn how much auto insurance costs in New Hampshire based on these variables, or submit your ZIP code above to receive auto insurance quotes from top insurers.

logo
Best customer service in NH
logo
Cheapest liability coverage in NH
cheapest full coverage
Cheapest full coverage in NH
logo
Best car insurance in NH — overall

Find your best value insurance match with The Zebra.

Location pin icon
No junk mail. No spam calls. Free quotes.

What are the best car insurance companies in New Hampshire?

Based on New Hampshirites' desire for a blend of affordable coverage and positive customer support, we chose Hanover the best car insurance company in the state. Consumer reviews and third-party ratings from trusted sources like the NAIC, Trustpilot, and AM Best, as well as discount information and coverage options, helped inform our decision.[4, 5, 6] Below are the pros and cons of Hanover plus quotes from more of the best-rated companies in New Hampshire.

logo
Overall best car insurance company in New Hampshire — Hanover

We chose Hanover as the best car insurance company in New Hampshire after reviewing its customer satisfaction history, coverage and discount availability, and average premiums. While Hanover wasn't ranked by J.D. Power, its excellent customer service scores from the NAIC and Trustpilot signal a trustworthy customer service reputation. This combination of affordability and service satisfies New Hampshirite's desire for a well-rounded insurance company. 

Pros
  • Very cheap car insurance premiums

  • Positive customer service reputation

  • Custom coverage levels like Hanover Platinum and Prestige

  • Perks for customers who bundle home and auto

Cons
  • Limited online information

  • Not ranked by J.D. Power

Best car insurance in New Hampshire — honorable mentions

While Hanover topped our list, other companies also scored well. Encompass and USAA offer very affordable rates across the board, while Safety ranked well with J.D. Power in New England. J.D. Power and The Zebra's Customer Satisfaction Survey helped us determine which companies were making customers happiest. 

Best car insurance companies in NH

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $489 $82
Encompass $501 $84
Safety Group $504 $84

Source: The Zebra

How did we pick what company has the "Best Value" in New Hampshire?

The author's recommendation for "best value" is based on:

  • The Zebra's 2024 Customer Satisfaction Survey
  • J.D. Power's 2024 Regional Customer Satisfaction Study
  • Each company's average cost of car insurance in New Hampshire
  • Available coverage options
  • The author's 5+ years of insurance industry experience

Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.

For more information, see our editorial standards page.


Cheap liability insurance in New Hampshire

For the minimum coverage level in New Hampshire, expect to pay about $252 every six months. 28% of Zebra customers in New Hampshire searched for quotes for liability-only coverage. For our profile, Hanover, USAA and Encompass offered the best deal. 

Although liability quotes are always the cheapest option, keep in mind that they don’t offer the same level of protection as comprehensive coverage. Liability insurance only helps cover costs for the other party if you’re at fault in an accident—it won’t cover any damage to your own vehicle. Below is a table showing monthly and six-month liability rates from some of the top insurers in New Hampshire.

Liability insurance quotes in NH

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Hanover $93 $16
USAA $166 $28
Encompass $172 $29
GEICO $246 $41
Progressive $261 $43
Allstate $310 $52
State Farm $343 $57
Nationwide $396 $66

Source: The Zebra

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

tip
Zebra tip: New Hampshire is the only state that does not mandate car insurance

New Hampshire is the only state in the country that does not legally require car insurance. However, drivers remain liable for any and all damage they cause in an at-fault collision. Failure to maintain auto insurance puts you at great risk, as you could be responsible for many thousands of dollars in damages and injury payments.

For those who do enroll in car insurance, the minimum limits you can carry are 25/50/25, meaning $25,000 for bodily injury liability per person, $50,000 for bodily injury per accident, and $25,000 for property damage liability. New Hampshire also requires $1,000 in medical payments coverage. Even the minimum limits won't often cover the expenses associated with accidents, so we recommend limits of 50/100/50 (if not full coverage) in order to protect yourself. 

Cost comparison: liability only vs full coverage in New Hampshire

Simply put, better coverage will be much more expensive than a liability-only policy. A full coverage insurance policy with a $500 deductible costs $727 in New Hampshire — 190% more than liability-only insurance. 

Liability vs. full coverage by company

Updating data...

Company Liability coverage Full coverage
Hanover $93 $366
USAA $166 $489
Encompass $172 $501
GEICO $246 $701
Progressive $261 $759
Allstate $310 $1,286
State Farm $343 $969
Nationwide $396 $707

Source: The Zebra


Cheap full coverage in New Hampshire

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism or weather incidents. But better coverage comes with a cost: in New Hampshire, a full coverage insurance policy costs $711. Even so, 72% of Zebra customers in New Hampshire looked for full coverage quotes. Hanover and USAA offer cheap quotes in New Hampshire for full coverage.

Cheapest insurance companies in New Hampshire

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Hanover $366 $61
USAA $489 $82
Encompass $501 $84
GEICO $701 $117
Nationwide $707 $118
Progressive $759 $126
State Farm $969 $162
Allstate $1,286 $214

Source: The Zebra

Zebra Tip: Search out these car insurance discounts.

  • Payment methods: Advance purchase, electronic bill pay, pay-in-full
  • Driver discounts: Bundling (multi-policy), multi-car, good driver, good student, homeowner, military
  • Vehicle discounts: New vehicles, safety devices (consider telematics), anti-theft devices

Find the best coverage and price in New Hampshire with The Zebra.

Location pin icon
No junk mail. No spam calls. Free quotes.

Cheap auto insurance for teens and young drivers in New Hampshire

Young drivers between the ages of 16 and 25 face steep car insurance premiums, with 16- to 19-year-olds shouldering the highest costs. Insurance companies associate added risk with inexperience, so teens pay more than three times the national average for car insurance. In New Hampshire, rates for teen drivers are particularly high—averaging $4,614 per year, which is $1,915 lower the national average but 224% higher than what a 30-year-old driver in the state would pay.

Cheapest car insurance quotes for young drivers in NH

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Encompass $1,060 $177
USAA $1,295 $216
GEICO $1,526 $254
State Farm $1,907 $318
Nationwide $2,339 $390
Allstate $2,555 $426
Progressive $3,267 $544
Hanover $6,680 $1,113

Source: The Zebra

Zebra Tip: 3 ways young drivers can save on car insurance
  • Complete an approved defensive driving course to qualify for discounts and reduce accident risk.
  • Choose a less expensive car with good safety ratings and low repair costs over high-performance models.
  • Stay on a parent's policy to save money and benefit from their good insurance history.
Top companies in NH for teens
Filter by:

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Hanover $828 $138
Encompass $1,101 $183
GEICO $2,067 $344
USAA $2,449 $408
Nationwide $2,629 $438
Allstate $3,725 $621
Progressive $4,297 $716
State Farm $4,399 $733

Source: The Zebra


Car insurance price trends in New Hampshire

Over the past decade, annual car insurance premiums in New Hampshire have shown significant fluctuations. From 2015 to 2018, rates consistently dropped, plummeting from $1,885 in 2015 to $1,133 in 2018—a decrease of $752 in just three years. However, by 2022, the average annual premium surged again to $1,281, followed by steady increases each year to reach $1,410 in 2024.

Average car insurance premiums in New Hampshire have stayed relatively low, despite some fluctuations in the last few years. Lower-than-average premiums are in part due to the minimal car insurance regulations in this state. Still, rates have been increasing year-over-year since 2020— this is likely a result of economic inflation impacting both the insurance industry and the cost of parts. 

Car insurance costs in NH since 2015
Year Avg. Annual Premium — New Hampshire Yearly Change — New Hampshire
2024 $1,410 $118
2023 $1,292 $11
2022 $1,281 $282
2021 $999 $38
2020 $961 -$59
2019 $1,020 -$113
2018 $1,133 -$663
2017 $1,796 $234
2016 $1,562 -$323
2015 $1,885 $216

New Hampshire auto insurance quotes after an accident or ticket

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $646 per year.

Best insurance companies in New Hampshire after an accident

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Hanover $556 $93
USAA $690 $115
Encompass $747 $124
GEICO $980 $163
State Farm $1,098 $183
Nationwide $1,107 $185
Progressive $1,204 $201
Allstate $1,748 $291

Source: The Zebra

Zebra Tip: Think about claims satisfaction

Ideally, you'll never need to use your insurance, but if the time comes, a smooth claims process is crucial. In our 2024 Customer Satisfaction Survey, we evaluated how satisfied customers were with their claims experience. Of the companies available in New Hampshire, Amica received the highest rating and is an excellent option to consider if you're in New Hampshire.[7, 8]

In New Hampshire, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. How much depends on the violation, your insurer's pricing standards and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below average auto insurance rates in New Hampshire after a few common citations.

New Hampshire auto insurance rates by violation

Updating data...

Accident/Violation Avg. Annual Premium $ Rate Increase
One Med/PIP claim $1,423 $0
None $1,423 $0
Not-at-fault accident $1,427 $4
Two Med/PIP claims $1,459 $37
One comp claim $1,459 $37
Two comp claims $1,492 $69
Failure to show documents $1,582 $159
Failure to wear a seat belt $1,586 $164
Child safety restraint $1,611 $188
Driving without lights $1,611 $188
At-fault accident - less than $1000 $1,612 $189
Driving with expired registration $1,642 $219
Speeding 6 - 10 MPH over limit $1,643 $221
Speeding 16 - 20 MPH over limit $1,644 $221
Speeding 11 - 15 MPH over limit $1,644 $221
Illegal turn $1,650 $227
Following too closely $1,650 $227
Wrong way/wrong lane $1,650 $227
Speeding in school zone $1,653 $230
Driving too slowly $1,653 $230
In 65 MPH zone $1,653 $230
Failure to yield $1,655 $232
Failure to stop at a red light $1,655 $232
Speeding 21 - 25 MPH over limit $1,690 $267
Improper passing $1,705 $282
Texting while driving $1,797 $374
Cell phone violation $1,797 $374
At-fault accident - $1000-$2000 $1,848 $425
Passing school bus $1,891 $469
Open container $1,980 $558
At-fault accident - greater than $2000 $2,068 $646
Operating a vehicle without permission $2,180 $758
Racing $2,461 $1,038
Reckless driving $2,542 $1,119
Driving with a suspended license $2,604 $1,181
Refusal to submit to a chemical test $2,626 $1,203
DUI $2,626 $1,203
Leaving scene of an accident/hit and run $2,688 $1,265

Source: The Zebra

The Zebra's guide to New Hampshire car insurance laws for high-risk drivers

Certain violations, like a DUI or driving without insurance, can result in more complex insurance consequences. Below, you'll find detailed guides on New Hampshire car insurance laws and regulations.

Discover more about New Hampshire car insurance laws in our comprehensive guide.

New Hampshire DUI laws

In New Hampshire, a DUI offense can increase your annual car insurance premium by over 100%. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing or reckless driving.

 
Low-cost car insurance after a DUI in New Hampshire

If you're convicted of a DUI or DWI violation in New Hampshire, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in New Hampshire, Hanover, advertises annual rates 59% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in New Hampshire is USAA, while the priciest company is Encompass, with prices 78% above average.

Car insurance in NH after a DUI

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Hanover $534 $89
USAA $838 $140
Progressive $852 $142
GEICO $1,194 $199
State Farm $1,293 $216
Nationwide $1,482 $247
Allstate $1,729 $288
Encompass $2,336 $389

Source: The Zebra

There is no car insurer in particular that offers cheap DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

New Hampshire SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of New Hampshire to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in New Hampshire might require some research, but it could pay off in the end.

 

How to acquire an SR-22 in New Hampshire

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company and ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.

 

For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

 

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

Find an affordable policy in New Hampshire in minutes!

Location pin icon
No junk mail. No spam calls. Free quotes.

Car insurance in popular New Hampshire cities

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance rates are found in West Swanzey, New Hampshire, and the most expensive in Manchester, New Hampshire.

Have a look at the table below to see average car insurance costs in some of New Hampshire's biggest cities.

Average car insurance rates in top 5 cities in New Hampshire

Updating data...

City Avg. Annual Premium
Concord $1,233
Dover $1,263
Rochester $1,263
Nashua $1,360
Manchester $1,527

Source: The Zebra

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.


New Hampshire car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding New Hampshire auto insurance.

Relatively speaking, New Hampshire car insurance is cheaper than the national average. A full coverage policy will cost you about $711 for six months, or $119 monthly. Liability-only is about $252 for six months.

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.

According to our data, Hanover consistently offers the cheapest auto insurance policy rates. A full coverage policy with Hanover is only $366 for six months ($61/mo) and liability is $93 for a six-month term or $16 per month.

Since New Hampshire doesn't require auto insurance under state law, you do not need an insurance policy to buy a car. If you get into an accident, however, you must show some type of proof of financial responsibility if you opt out of car insurance.

Save money on your next car insurance policy!

Location pin icon
No junk mail. No spam calls. Free quotes.
Sources:
  1. Data Methodology. The Zebra’s Dynamic Insurance Rating Tool

  2. Anonymized User Surveys. The Zebra

  3. 2024 U.S. Auto Insurance Study. J.D. Power

  4. Hanover Ins Co National Complaint Index Report. NAIC

  5. The Hanover Insurance Company — Company Profile. AM Best

  6. The Hanover Insurance Group. Trustpilot

  7. 2024 Customer Satisfaction Survey. The Zebra

  8. 2023 U.S. Auto Claims Satisfaction Study. J.D. Power

RECENT QUESTIONS ABOUT CAR INSURANCE IN NH

Other people are also asking...

Is it mandatory to list my adult child on my policy?

Thanks for reaching out to The Zebra!This is actually a common concern for families. Insurance companies generally require that any person in the household be listed on your policy regardless of driving status. The reason is that the company wants to know who they will and will not cover as a drive…
Aug 18, 2022 Groveton, NH

Will my insurance company drop me for not changing my address when I moved?

Insurance regulations are very state-specific which is why when you move to a different state you are required to get a new policy. Therefore, it will be up to your current insurance company to decide whether or not they will pay out on the claim. Unfortunately, if they do not you will be responsib…
Jul 16, 2019 Pawtucket, RI

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.