Who Has the Cheapest Car Insurance Quotes in New Hampshire? (2023)
State Farm offers the cheapest car insurance in New Hampshire at $26 per month for a minimum coverage policy.
Best cheap car insurance companies in New Hampshire
To help drivers find the best car insurance in NH, our editorial team gathered quotes from top companies across each ZIP code in the state. Quotes for minimum coverage meet New Hampshire's state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, $25,000 in uninsured motorist bodily injury liability coverage per person and $50,000 per accident, $25,000 in property damage protection and $1,000 in medical payments coverage per accident. Full coverage quotes include collision and comprehensive coverage, along with higher liability limits than the state minimums.
In addition, we rated the best car insurance companies in NH based on customer service, affordability for different drivers, coverage availability and convenience.
Cheapest auto insurance in New Hampshire: State Farm
State Farm is the cheapest car insurance company for minimum liability quotes. State Farm's minimum liability coverage costs $26 per month, which is 52% cheaper than the New Hampshire state average.
The average cost of car insurance in New Hampshire is $54 per month, or $652 per year, for a minimum liability policy.
Find Cheap Auto Insurance Quotes in New Hampshire
Veterans and military families may qualify for even cheaper car insurance from USAA. Minimum coverage from USAA costs $21 per month — $5 cheaper per month than State Farm.
Cheapest NH car insurance
Company | Monthly rate | |
|---|---|---|
| State Farm | $26 |
| Geico | $28 |
| Concord | $40 |
| Allstate | $66 |
| Progressive | $74 |
*USAA is only available to current and former military members and their families.
Minimum liability policies have the lowest coverage limits the state allows. This makes minimum coverage the cheapest form of insurance.
The average difference in cost between full and minimum coverage in New Hampshire is $76 per month.
However, drivers who choose minimum coverage run the risk of not having enough protection in the event of an accident. If the cost of damage or injuries you cause in a crash are more than the liability limits on your policy, you'll have to pay the extral costs, along with any repairs to your own vehicle and medical bills.
For that reason, we recommend full coverage car insurance for most New Hampshire drivers.
Cheapest quotes for full coverage: State Farm
State Farm offers New Hampshire drivers the cheapest full coverage car insurance in the state. At $58 per month, a policy from State Farm is 56% cheaper than the statewide average.
Full coverage auto insurance quotes in New Hampshire average $130 per month, or $1,561 per year.
Company | Monthly rate |
|---|---|
| State Farm | $58 |
| Geico | $69 |
| Concord | $81 |
| Progressive | $148 |
| Allstate | $155 |
*USAA is only available to current and former military members and their families.
Unlike minimum coverage, full coverage car insurance includes comprehensive and collision insurance. Collision and comprehensive insurance protect against damage to your vehicle due to a collision, theft, vandalism or natural disaster — regardless of who's at fault.
Full coverage is usually required if you have a car lease or haven't paid off your car loan.
Cheap car insurance in NH for drivers with prior incidents
State Farm offers the cheapest quotes in New Hampshire for drivers with a speeding ticket or accident on their record.
Whether it’s an at-fault accident, a DUI citation or a speeding ticket, incidents on your driving record generally cause insurance companies to raise your rates. That's because companies see these drivers as more likely to have an accident in the future.
Find Cheap Auto Insurance Quotes in New Hampshire
Cheapest car insurance for people with a speeding ticket: State Farm
State Farm has the best cheap quotes for drivers with a single speeding ticket. At $58 per month for full coverage, State Farm customers won't see an increase on their insurance quotes after one ticket. Compared to the average cost for people with a speeding ticket, State Farm's rate is $107 less expensive per month.
Company | Monthly rate |
|---|---|
| State Farm | $58 |
| Geico | $69 |
| Concord | $109 |
| Allstate | $179 |
| Progressive | $205 |
New Hampshire drivers with a speeding ticket on their record pay 27% more on average than drivers with a clean record.
Speeding tickets generally don't increase your rates as much as accidents do. However, you'll likely pay more if you're caught driving above the speed limit on New Hampshire roads.
Cheapest quotes for drivers after an accident: State Farm
State Farm offers the cheapest full coverage auto quotes for New Hampshire drivers with an accident in their driving history. The average price of a State Farm policy after a crash is $74 per month, which is 64% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $74 |
| Geico | $94 |
| Concord | $118 |
| Allstate | $228 |
| Progressive | $252 |
An at-fault accident in New Hampshire increases auto insurance quotes by an average of 60%. However, not all insurers increase rates by the same amount. Quotes from the most expensive company, Hanover, are $536 higher per month after an accident than State Farm.
That's why shopping around for car insurance after an accident is especially important to ensure you're getting the best rates.
Cheapest car insurance in NH for a DUI: Geico
Geico offers the cheapest rates for New Hampshire drivers after a DUI. At just $126 per month, full coverage from Geico is 40% more affordable than the average among insurance companies.
Company | Monthly rate |
|---|---|
| Geico | $126 |
| Concord | $143 |
| Progressive | $178 |
| State Farm | $185 |
| Allstate | $196 |
In New Hampshire, DUIs raise full coverage car insurance quotes by 63%.
Cheapest car insurance for drivers with poor credit: Geico
If you have a low credit score, Geico has the most affordable quotes in New Hampshire. With an average price of $111 per month for full coverage, a policy from Geico is 61% lower than the state average.
Company | Monthly rate |
|---|---|
| Geico | $111 |
| Concord | $118 |
| State Farm | $137 |
| Allstate | $212 |
| Progressive | $230 |
New Hampshire drivers with poor credit pay $151 more per month than drivers with good credit, on average. This is because insurance companies have found drivers with bad credit are involved in more accidents, and they raise rates to account for that risk.
Cheapest car insurance for young drivers in New Hampshire: Geico
Geico has the cheapest quotes for young drivers in New Hampshire.
The average cost of a minimum coverage policy from Geico is $76 per month, which is 60% cheaper than the state average. It also offers the best full coverage quotes for teen drivers, at $181 per month.
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $76 | $181 |
| Concord | $83 | $158 |
| State Farm | $96 | $207 |
| Allstate | $131 | $275 |
| Farmers | $325 | $782 |
The average cost of a minimum liability policy is $187 per month for 18-year-old New Hampshire drivers. That's more than three times as expensive as 30-year-old drivers pay for the same coverage.
Young drivers pay more for insurance because they tend to get in more accidents. That makes them more expensive to insure because companies have to pay out more money due to claims.
Cheapest quotes for young drivers with one speeding ticket: Geico
Geico is the cheapest option for 18-year-old drivers with a speeding ticket. With an average rate of $76 per month for minimum coverage, Geico charges the same price for a teen with a clean record — and 68% less than the average.
Company | Monthly rate |
|---|---|
| Geico | $76 |
| State Farm | $96 |
| Concord | $112 |
| Allstate | $150 |
| Progressive | $371 |
If you're a young New Hampshire driver caught speeding, you can expect your car insurance rates to go up by 26% on average.
Cheapest rates for young drivers after an accident: Geico
Geico offers the most affordable insurance for teens who have caused an accident. A minimum coverage policy from Geico costs $101 per month, which is 64% cheaper than average.
Company | Monthly rate |
|---|---|
| Geico | $101 |
| State Farm | $104 |
| Concord | $124 |
| Allstate | $203 |
| Progressive | $403 |
Insurance companies already charge young drivers high rates, but those with an at-fault accident on their record pay even more. An 18-year-old driver in New Hampshire can expect to pay 49% more for minimum coverage than a teen driver with a clean record.
Cheapest car insurance quotes for married drivers: State Farm
State Farm offers married drivers the best deal in New Hampshire. Full coverage from State Farm is just $58 per month, which is $61 cheaper per month than the statewide average.
Company | Monthly rate per vehicle |
|---|---|
| State Farm | $58 |
| Geico | $64 |
| Concord | $69 |
| Progressive | $122 |
| Allstate | $153 |
Married drivers in New Hampshire pay $12 less per month for full coverage insurance than single drivers.
Insurance companies tend to offer slightly cheaper quotes to married drivers than their unmarried counterparts. That's because married drivers are less likely to cause an accident.
Best car insurance companies in New Hampshire
State Farm is our pick for the best car insurance company in New Hampshire.
State Farm earned a high score from ValuePenguin editors who evaluated customer service reviews, coverage availability and the overall value it provides New Hampshire drivers. It also earned an excellent score on J.D. Power's Auto Insurance Claims Satisfaction Survey.
Drivers in New Hampshire can also find dependable service from USAA. However, USAA is only available to people affiliated with the military and their families.
Best-rated car insurance companies in NH
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Farmers | 815 | A | |
| Allstate | 824 | A+ |
When shopping for car insurance, comparing customer service reviews is just as important as finding the cheapest rate.
Choosing a company with great reviews will give you peace of mind knowing you'll be taken care of in case of an accident. A company with bad reviews may have a more difficult claims process, and you could end up paying more out of pocket.
Average car insurance cost in New Hampshire by city
Newton Junction is the most expensive New Hampshire city for car insurance, while West Swanzey is the cheapest.
Full coverage car insurance rates in New Hampshire vary by $40 per month, depending on the city you live in. Drivers in West Swanzey pay an average of $113 per month for full coverage. People living in Newton Junction can expect to pay $153 per month for the same coverage.
City | Average monthly cost | Percent from average |
|---|---|---|
| Alton Bay | $135 | 4% |
| Antrim | $123 | -5% |
| Ashland | $123 | -5% |
| Ashuelot | $113 | -13% |
| Barnstead | $125 | -4% |
Minimum requirements for auto insurance coverage in New Hampshire
In New Hampshire, auto insurance is not a requirement, unlike in nearly every other state. If you opt out of car insurance, you'll have to prove your financial responsibility in a different way to show the state DMV you can pay for damage if you cause an accident.
Most New Hampshire drivers do opt for auto insurance, and the state has a low rate of uninsured drivers.
Drivers who do buy auto insurance must meet the minimum coverage requirements:
Coverage | Limit |
|---|---|
| Bodily injury liability coverage | $25,000 per person and $50,000 per accident |
| Property damage liability coverage | $25,000 per accident |
| Uninsured/underinsured bodily injury liability coverage | $25,000 per person and $50,000 per accident |
| Medical payments coverage | $1,000 per accident |
Although your car insurance policy may meet New Hampshire's minimum coverage requirements, we recommend all drivers consider higher coverage limits and full coverage policies. Full coverage car insurance is the only way to protect your own car against damage. In addition, low liability limits may mean you'll have to pay out of pocket after an expensive car crash.
Frequently asked questions
Do you need car insurance in New Hampshire?
Car insurance is not required in New Hampshire. However, drivers who choose not to buy a policy need to provide proof of financial responsibility by depositing $75,000 in cash or securities with the state treasurer. Most drivers prefer to get an insurance policy, which is easier and provides protection if you're involved in an accident.
Who has the cheapest car insurance in New Hampshire?
State Farm has the cheapest insurance rates in New Hampshire. A minimum coverage policy costs $26 per month (52% below average), and a full-coverage policy costs $58 per month (56% below average).
Is car insurance more expensive in New Hampshire?
Compared to other states, car insurance quotes in New Hampshire are about average. It is the 29th cheapest state for minimum coverage insurance, and ranks 16th for cheapest full coverage rates.
Who has the best car insurance in New Hampshire?
State Farm offers the best car insurance in New Hampshire, based on its affordable rates, dependable customer service and coverage availability. USAA is another great choice, but it's not available to everyone. Only military members, veterans and their families can get car insurance from USAA.
Methodology
We collected thousands of rates from ZIP codes across New Hampshire for the largest insurers in the state. Rates are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Unless noted, all quotes are for a full-coverage policy with comprehensive and collision coverage, and liability limits higher than the New Hampshire minimum requirement:
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Medical payments | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.