Cheap New Hampshire Car Insurance

Compare the best rates from 3 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.

 


 

Cheap Car Insurance

What's the cheapest car insurance in New Hampshire?
RankCompany NameAvg. Annual Premium
1Concord$574
2Travelers$709
3Patriot$804
4USAA$837
5Vermont Mutual$882
6Amica$898
7Encompass$1,035
8MMG Insurance$1,059
9Progressive$1,064
10State Farm$1,122
11MetLife$1,266
12Liberty Mutual$1,371
13GEICO$1,414
14Safeco$1,723
15The Hartford$1,767
16Allstate$1,813
17Hanover$2,127
18Commerce Group$2,488
19Nationwide$6,010

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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
16$4,937$6,193
17$4,805$5,298
18$4,331$4,553
19$3,834$2,743

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%
DUI$1,84941.94%
Speeding Violation$1,32418.90%
Bad Credit$1,91143.83%

What are the 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)
Allstate3Superior
Amica4Superior
Commerce InsuranceN/AExcellent
ConcordNot RatedExcellent
GEICO3Superior
Hanover3Excellent
Liberty Mutual3Excellent
MetLife3Superior
MMG InsuranceNot RatedExcellent
Nationwide4Superior
PatriotNot RatedExcellent
Progressive3Superior
Safeco3Excellent
State Farm3Superior
USAA5Superior

 

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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

Car Insurance Laws

State minimum insurance requirements in New Hampshire

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

If you choose to carry auto insurance in New Hampshire, liability coverage is required and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In New Hampshire, the minimum is listed as 25/50/25 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured Motorist coverage will also be required in New Hampshire and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In New Hampshire, the minimum is listed as 25/50/25 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.
  • $25,000 property damage coverage per accident. This is the maximum dollar amount that pays for damage caused to your vehicle by an uninsured driver.

Medical Payments provides coverage for injuries that you and your passengers incur in an accident regardless of fault. In New Hampshire, a minimum Medical Payments coverage amount of $1,000 per person is required.

These numbers reflect the minimum limits required in New Hampshire but higher coverage amounts are available with most companies.

Car Insurance FAQs

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.

Do I need car insurance in New Hampshire?

No. New Hampshire is the only state in which car insurance is not legally required. You're still required to maintain insurance to cover the damage you might cause to someone else.

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 Lebanon, New Hampshire, and the most expensive in Manchester, New Hampshire.

RankCityAvg. Annual Premium
1Manchester$1,290
2Derry$1,191
3Pinardville$1,189
4South Hooksett$1,180
5Hudson$1,175
6Nashua$1,171
7Hampton$1,167
8Exeter$1,158
9Berlin$1,153
10Londonderry$1,150
11Portsmouth$1,133
12Milford$1,133
13Durham$1,123
14Dover$1,120
15Newmarket$1,117
16Laconia$1,089
17Claremont$1,086
18Somersworth$1,084
19Rochester$1,080
20Keene$1,068
21Franklin$1,064
22Suncook$1,056
23Concord$1,041
24Hanover$1,037
25Lebanon$1,035

Recent New Hampshire Car Insurance Questions and Answers

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

I’m a minor who will be buying a car in NH and will be having it driven home to ME. ...

AUG 07, 2019
|
CONCORD, NH
My camper is permanently set at a seasonal campground. What type of insurance do I need?

I have a 2003 Carriage Carri-lite 5th wheel trailer. It is permanently set on a site at an adult campground. ...

JUL 18, 2019
|
FREEDOM, NH
Will my insurance company drop me for not changing my address when I moved?

I moved from New Hampshire to Rhode Island and simply forgot to change my info. I got hit by another ...

JUL 17, 2019
|
PAWTUCKET, RI
Can I add sister to my policy?

Can I add my sister (beginner driver, no driver license yet) to my policy? Will my rates go up? I ...

MAR 24, 2018
|
MANCHESTER, NEW HAMPSHIRE

Driving Laws

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

How Do Tickets Impact New Hampshire Car Insurance Premiums?

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
DUI$1,90272%$797
Racing$2,237102%$1,132
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
Speeding$1,39426%$289
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 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.

Prompt

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 destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

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 scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

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

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

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.

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