Find affordable insurance that works for you in New Hampshire. Compare quotes from over 100 top companies.
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Drivers with good 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.
Review top auto insurers' financial strength and claims satisfaction levels to better understand the level of service you can expect. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — assesses an insurer's financial stability and ability to meet its policy and contractual obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|MMG Insurance||Not Rated||Excellent|
The required minimum insurance level in New Hampshire is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.
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.
Compare average expenditures for basic, good, and great insurance levels below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In New Hampshire, the state minimum coverage requirements are as follows:
The DWI lookback period in New Hampshire is 10 years. Multiple DWI offenses within a decade enhance any penalties.
First-time DWI offenses in New Hampshire lead to:
If you receive a ticket or citation, your auto insurance premiums may go up. How much your rates rise depends on the specific citation, your insurer's pricing standards, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
See below average car insurance rates in New Hampshire after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ 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|
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.
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.
Yes. If you happen to find yourself pulled over by a police officer in New Hampshire you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
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.
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|