Car Insurance in New Hampshire
- Hanover offers the cheapest liability at $16/mo.
- Hanover has the cheapest full coverage at $64/mo.
Enter your ZIP code to start your search for New Hampshire car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in New Hampshire at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in New Hampshire
The average car insurance rate in New Hampshire is $774 for a six-month policy — 33% cheaper than the U.S. average.[1]
For New Hampshirites who are looking for the cheapest coverage, Hanover is the cheapest for liability-only and Hanover is the cheapest for full coverage. If you're looking for the best customer service, JD Power ranked Amica Mutual Insurance the best in the region in their latest 2026 study.
Best customer service in NH
- Amica Mutual Insurance scored 702 in JD Power's latest study — the highest in New Hampshire[3].
Cheapest liability coverage in NH
- Hanover offered the cheapest liability coverage in New Hampshire at $16/mo.
Cheapest full coverage in NH
- Hanover offered the cheapest full coverage in New Hampshire at $64/mo.
What are the best car insurance companies in New Hampshire?
We’ve named Amica Mutual Insurance as New Hampshire's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like JD Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
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Cheap liability insurance in New Hampshire
The average cost for liability insurance in New Hampshire is $277 for a 6-month policy.[1] For our user profile, Hanover offers the most affordable liability insurance options in the state at $16/mo.
According to our data, 28% of New Hampshire drivers carry only the state-required liability coverage.[2] In New Hampshire, the law mandates minimum liability limits of 25/50/25.[5]
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hanover | $98 | $16 |
| Encompass | $171 | $28 |
| Safety Group | $215 | $36 |
| USAA | $227 | $38 |
| GEICO | $242 | $40 |
| Progressive | $244 | $41 |
| Allstate | $297 | $49 |
| State Farm | $359 | $60 |
| Nationwide | $395 | $66 |
Source: The Zebra
The Zebra’s auto insurance 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.
While New Hampshire doesn't require most drivers to carry auto insurance, drivers who choose to purchase a policy receive an added consumer protection. State law requires uninsured motorist (UM) coverage to be included with every auto liability policy, and if you purchase liability limits above the state minimum, your UM coverage must automatically match those higher limits.[4] This helps ensure you have comparable protection if you're injured by an uninsured or hit-and-run driver.
Renata Balasco, licensed agent and insurance writer at The Zebra
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| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| Vermont Mutual | $294 | $716 |
| USAA | $227 | $689 |
| State Farm | $359 | $918 |
| Safety Group | $215 | $567 |
| Progressive | $244 | $671 |
| Nationwide | $395 | $771 |
| MetLife | $358 | $877 |
| MMG Insurance Company | $233 | $660 |
| Hanover | $98 | $381 |
| GEICO | $242 | $682 |
| Encompass | $171 | $517 |
| Concord Group | $350 | $718 |
| Allstate | $297 | $1,236 |
Source: The Zebra
Cheap full coverage insurance in New Hampshire
In 2026, the average cost of full coverage insurance in New Hampshire is $774 for a six-month policy. Full coverage is a popular choice here, with 72% of The Zebra’s New Hampshire customers opting for quotes that offer this more comprehensive protection.
How much you pay for full coverage will largely depend on the value of your vehicle. For a driver in New Hampshire driving a Honda Civic, the cheapest full coverage rates start at $64/mo from Hanover.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hanover | $381 | $64 |
| Encompass | $517 | $86 |
| Safety Group | $567 | $95 |
| Progressive | $671 | $112 |
| GEICO | $682 | $114 |
| USAA | $689 | $115 |
| Nationwide | $771 | $129 |
| State Farm | $918 | $153 |
| Allstate | $1,236 | $206 |
Source: The Zebra
Local insights
Drivers near you in New Hampshire weigh in
"I go with AAA. You get the member benefits and roadside assistance associated with AAA as well as insurance."
-Reddit user on r/New Hampshire
"I pay $67/month with progressive for full coverage on a 2018 GMC terrain."
-Reddit user on r/New Hampshire
Compare car insurance rates from the best companies in New Hampshire.
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 is found in Keene, 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.
Source: The Zebra
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Source: The Zebra
Real insights, trusted guidance
Erick began his insurance career at The Zebra in 2020, starting in an unlicensed role assisting customers before earning his Property & Casualty lice…
Credentials
- Licensed Insurance Agent — Property and Casualty
Amber Vigil has three years of experience in the insurance industry and joined The Zebra in 2024. As manager, she leads a group of sales agents, ensu…
Credentials
- Licensed Insurance Agent — Property and Casualty
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
New Hampshire auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in New Hampshire. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top New Hampshire insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
New Hampshire car insurance for high-risk drivers
For high-risk drivers in New Hampshire with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding New Hampshire's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
How much is DWI insurance in New Hampshire?
In New Hampshire, a DWI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DWI violation isn’t simple. In fact, a DWI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Rate increase: +$837
The average 6-month premium increase after a DWI in New Hampshire. This premium increase typically lasts 3-5 years.
First time DWI penalties
- Fine of $500 to $1,200
- License suspension up to 2 years
- Alcohol or drug screening
DWI record impact timeline
- DMV record: 10 years
- Criminal record: Permanent unless annulled (petition allowed after 10 years)
Cheap car insurance after a DWI 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. Check out the table below to see average rates by top insurers in New Hampshire.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $855 | $143 |
| Nationwide | $1,076 | $179 |
| GEICO | $1,157 | $193 |
| State Farm | $1,249 | $208 |
| USAA | $1,446 | $241 |
| Allstate | $1,663 | $277 |
| Safety Group | $1,872 | $312 |
| Encompass | $2,414 | $402 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
New Hampshire SR-22 laws
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. In New Hampshire, drivers with a DUI must have an SR-22 for three years.
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!
How have average car insurance costs in New Hampshire changed?
New Hampshire's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around — insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — New Hampshire |
|---|---|
| 2026 | $1,431 |
| 2025 | $1,556 |
| 2024 | $1,410 |
| 2023 | $1,292 |
| 2022 | $1,281 |
| 2021 | $999 |
| 2020 | $961 |
| 2019 | $1,020 |
| 2018 | $1,133 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
New Hampshire car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding New Hampshire auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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U.S. Auto Insurance Study. JD Power
U.S. Auto Insurance Study. JD Power
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UM coverage must match your liability limits. UM matches Liability
UM coverage must match your liability limits. UM matches Liability
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New Hampshire Car Insurance Laws. The Zebra
New Hampshire Car Insurance Laws. The Zebra
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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.
