Best and Cheapest Motorcycle Insurance in New Hampshire

Motorcycle insurance helps cover the financial costs that result from an accident, such as repairs and medical bills. We pulled over 100 quotes from cities across New Hampshire to help you determine which insurer is right for you.

Cheapest motorcycle insurance companies in New Hampshire

Geico has the cheapest rates in New Hampshire at just $350 per year, which is 45% cheaper than average.

Cheapest motorcycle insurance companies in New Hampshire

Best motorcycle insurance for most people: Nationwide

We recommend Nationwide as your best bet for motorcycle insurance in New Hampshire. It's the top-rated insurer for customer service in New Hampshire, receiving about half as many complaints as would normally be expected for an insurer of its size.

Additionally, Nationwide boasts the second-cheapest rates in the state, charging $426 per year on average. Customers can also take advantage of its many discount opportunities to get their rates down even lower. Available discounts include:

Another benefit of insuring your car with Nationwide is the wide number of coverages the company offers. Some helpful add-on coverages include:

Best for lowest rates: Geico

If finding the cheapest coverage is your top priority, get a quote from Geico. Geico charges New Hampshire riders just $350 per year for full coverage. That's 45% less than the state average.

Geico also has a solid customer service reputation. Its score from the National Association of Insurance Commissioners (NAIC) is 0.67 — only slightly higher than Nationwide's — which shows that it receives complaints very infrequently.

However, Geico offers fewer add-on coverage options than Nationwide. If add-ons like trip interruption or OEM parts coverage are important to you, we recommend going with Nationwide instead.

Best for daily riders: Allstate

Daily riders should consider Allstate so they can purchase rental reimbursement coverage and roadside assistance. If you use your motorcycle for your daily commute, we recommend paying for these extra coverages. That way, you know that if you get in an accident, you'll get the support you need, including coverage for a substitute vehicle while your bike receives repairs.

Plus, Allstate has excellent customer service. It scored a 0.63 on the NAIC complaint index, which means it receives about one-third fewer complaints than average for its size. If you decide to go with Allstate, you can expect responsive customer service.

The only downside of choosing Allstate is that it charges above-average rates. At $826 per year, Allstate's average rate is about 30% more expensive than the New Hampshire state average. That said, Allstate is 16% cheaper than Dairyland, the only other insurer in our study to offer rental reimbursement coverage. If rental reimbursement is important to you, Allstate is your best bet.

Best-rated New Hampshire motorcycle insurers

It's important to consider customer service as well as rates when selecting an insurer. Nationwide has the best customer service ratings of the insurers in our study. According to NAIC data, Nationwide receives about half as many complaints as would be expected for an insurer of its size.

The National Association of Insurance Commissioners (NAIC) complaint index scores companies based on how many complaints they receive relative to their size. Companies with an average number of motorcycle and car insurance complaints for their size receive a score of 1.0, companies with an above-average number of complaints score above 1.0, and companies with fewer complaints than average score below 1.0.

Dairyland is the only insurer in our study that received more complaints than average for its size, so we recommend choosing another company instead of Dairyland for your motorcycle insurance. Its NAIC complaint index score of 2.69 shows that it received more than twice as many complaints as expected for its size.

Fortunately, all of the insurers in this study can be relied upon to pay out claims. AM Best rates companies on their financial strength, and the A+ and A++ ratings received by the insurers in this study mean that they have a "superior" ability to pay out claims, according to AM Best.

New Hampshire motorcycle insurance cost by city

Your motorcycle insurance rates depend not only on which insurer you pick, but where you live as well. We pulled quotes from cities across New Hampshire and found that residents of Manchester pay the most for motorcycle insurance, at $819 per year on average, while residents of Berlin, Hanover, Keene, Laconia and Lebanon pay the least — just $566 per year on average.

New Hampshire motorcycle insurance requirements

Unlike most other states, New Hampshire does not require riders to have motorcycle insurance. If you do decide to purchase insurance — and ValuePenguin strongly recommends that you do so — the lowest possible limits your policy can have are as follows:

Methodology

We collected motorcycle insurance quotes from five major motorcycle insurance companies that operate in New Hampshire: Geico, Nationwide, Progressive, Allstate and Dairyland.

The sample rider for this study is 45 years old and rides a 2021 Harley-Davidson Street Glide. We selected coverage limits higher than the state minimums: