Cheap New Hampshire Car Insurance

Find affordable auto insurance that works for you in New Hampshire. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in New Hampshire

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.


Affordable insurance companies in New Hampshire

What's the cheapest car insurance in New Hampshire?
RankCompany NameAvg. Annual Premium
2State Farm$1,026
7Vermont Mutual$1,632
9Liberty Mutual$2,244

See quotes from dozens of insurance companies that provide coverage throughout New Hampshire. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in New Hampshire

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$25018.90%
No Accidents$70939.76%
Good Credit$83843.83%


Cheap auto insurance for young drivers in New Hampshire

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.

AgeAnnual Rate with ParentsAnnual Rate Alone


Cheap auto insurance for bad drivers in New Hampshire

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 FactorAnnual Rate% Increase
At-Fault Accident$1,78239.76%
Speeding Violation$1,32418.90%
Bad Credit$1,91143.83%

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Top rated car insurance companies in New Hampshire

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. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AllstateAbove averageAverageSuperior4.3 / 5
GEICOAverageAverageSuperior4.4 / 5
Liberty MutualBelow averageAbove averageGood4.2 / 5
MetLifeExcellentBelow averageExcellentN/A
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5


New Hampshire auto insurance laws

In New Hampshire, the state minimum coverage requirements are as follows:


  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident

Medical Payments

  • $1,000 per person

Optional coverage in New Hampshire (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance

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

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How tickets change insurance rates in Hampshire

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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,07688%$970
Refused Breathalyzer/Chemical Test$1,90272%$797
Reckless Driving$1,89972%$794
Driving with a Suspended License$2,02783%$921
At-Fault Accident$1,76259%$657
Driving with an Open Container$1,72756%$622
Operating a Vehicle Without Permission$1,50236%$397
Passing a School Bus$1,54240%$437
Improper Passing$1,42129%$315
Following Too Closely$1,37324%$268
Failure to Stop at a Red Light$1,37324%$268
Illegal Turn$1,37324%$268
Driving Wrong Way/Wrong Lane$1,43029%$325
Failure to Yield$1,37324%$268
Speeding in a School Zone$1,39726%$292
Driving Too Slowly$1,33921%$234
Distracted Driving$1,37324%$268
Driving with Expired Registration$1,28016%$175
Failure to Show Documents$1,28016%$175
Not-at-Fault Accident$1,1050%$0
Failure to Use Child Safety Restraint$1,1050%$0
Failure to Wear a Seat Belt$1,1050%$0
Driving Without Lights$1,1050%$0


New Hampshire car insurance FAQs

How much does car insurance cost in New Hampshire?

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.

Can you drive without insurance in NH?

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.

Is car insurance cheaper in NH?

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.

How much does car insurance cost in New Hampshire cities?

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.

RankCityAvg. Annual Premium


Recent Questions:

My camper is permanently set at a seasonal campground. What type of insurance do I need?

You would need just need regular RV/trailer insurance. We can quote you with several carriers at The Zebra by calling 888-807-3823.
Jul 18, 2019 Freedom, NH

Who files a claim if each party in the relationship has their own auto policy?

You will want to use your boyfriend's insurance to cover this claim. He would need to have full coverage for the vehicle to be fixed.
Jan 6, 2021 Union, NH

Is it mandatory to list my adult child on my policy if they live in my home but will not drive my vehicle?

Insurance companies generally require that any person living in the household be listed on your policy regardless of driving status. If a member of your household won't be driving your vehicle then you can normally exclude them from coverage or have them listed as a non-driver.
Aug 2, 2017 Groveton, NH

Can my insured relative drive my new, uninsured car off the lot?

Even if your relative is insured, they cannot drive the car home without insurance. Their coverage does not extend to your new vehicle unless they choose to add it to their policy.
Aug 7, 2019 Concord, NH

Ross Martin
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, and Kin Insurance.