Cheap New Hampshire Car Insurance

Compare the best rates from 20 car insurance companies in New Hampshire.

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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. We’ll get you prepped, then you take the wheel.


Affordable Insurance Premiums 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

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Cheap Insurance for Good Drivers in New Hampshire

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

Cheap 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 Car 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%

Best 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.

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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Commerce InsuranceN/AExcellent
ConcordNot RatedExcellent
Liberty Mutual3Excellent
MMG InsuranceNot RatedExcellent
PatriotNot RatedExcellent
State Farm3Superior


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What is the Best Car Insurance Coverage in New Hampshire?

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.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
New Hampshire$509.80$969.33$1,084.62
National Average$657.66$1,241.26$1,397.94

New Hampshire Auto Insurance Laws

State minimum insurance requirements in New Hampshire

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
Uninsured/Underinsured Motorist
  • 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

Learn more about New Hampshire's auto insurance minimums

Driving Laws in New Hampshire

New Hampshire Texting and Driving Laws

  1. Ban on hand-held cell phones (eff. 7/2015)
  2. Ban on all cell phones for novice drivers
  3. Ban on text messaging for all drivers

New Hampshire DUI Laws

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:

  • At least $500 in fines
  • License revocation for 90 days to two years
  • May be required to install and use an ignition interlock device
  • Must attend an impaired driver intervention program

Ticket Impact on Auto Insurance Rates in New 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 below 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

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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.

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.

Are digital insurance cards accepted in New Hampshire?

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.

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.

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 New Hampshire Car Insurance Questions and Answers

Can I insure my car in New Hampshire if I only live there one month per year?

I would avoid doing that. You might possibly be able to skirt the laws of NY state by doing this and they may not question you or suspend your license since it would appear you're out of state.

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.

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

Hello, Insurance regulations are very state-specific. Therefore, when you move to a different state, you have to get a new policy.

Can I add sister to my policy?

If your sister lives with you or uses your vehicle regularly, she can be added to your policy. Given her age and lack of driving experience, I would prepare for a big increase in your premium.

New Hampshire Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the New Hampshire area, while also getting an insider view of the Granite State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2020


Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.