Drivers typically see an increase in car insurance rates starting at age 65, according to CarInsurance.com data. The Centers for Disease Control and Prevention reports that older drivers have higher fatal crash rates than those aged 35 to 54.
Even though rates may rise, seniors can still find good car insurance deals. Our guide will help find the most affordable rates for senior drivers in New Hampshire and suggest other ways to save on your auto insurance premiums.
- A 65-year-old driver in New Hampshire pays an average of $1,188 annually for full coverage car insurance.
- In New Hampshire, a 70-year-old driver’s car insurance rates are 10% more for full coverage than for a 65-year-old driver.
- Compared to a 65-year-old driver, a 75-year-old driver in New Hampshire pays 17% more a full-coverage car insurance.
- To get the best car insurance rates in New Hampshire, shop for quotes every six months or when your policy is up for renewal.
Cheapest car insurance companies for seniors in New Hampshire
Find the cheapest full coverage car insurance rates in New Hampshire for drivers of different ages below.
- Cheapest for seniors, overall: Auto-Owners, $71 per month.
- Cheapest for seniors at age 65: Auto-Owners, $66 per month.
- Cheapest for seniors at age 70: Auto-Owners, $69 per month.
- Cheapest for seniors at age 75: Auto-Owners, $78 per month.
Compare cheap car insurance quotes for senior drivers in New Hampshire
State minimum car insurance refers to the least amount of coverage that a driver is legally required to have in a particular state. This typically includes liability insurance, which covers bodily injury and property damage to others if you are at fault in an accident. Each state sets its own minimum requirements for coverage limits.
Liability car insurance with limits of 50/100/50 means:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury per accident
- $50,000 per accident for property damage
A liability policy covers expenses for injuries and damages you cause to others in an accident, but not your own injuries or vehicle damage.
Full coverage insurance with limits of 100/300/100 includes higher liability limits:
- $100,000 per person for bodily injury
- $300,000 per accident for bodily injury to multiple people
- $100,000 per accident for property damage
Full coverage also typically includes:
- Collision coverage: Pays for damages to your car from a collision.
- Comprehensive coverage: Covers damages to your car from non-collision events (e.g., theft, fire, vandalism).
Full coverage ensures you are covered for a wide range of incidents, both for your liability to others and for your own vehicle’s damage.
Below, find the cheapest car insurance rates in New Hampshire from major insurers for three coverage levels: state minimum, liability-only with limits of 50/100/50 and full coverage with 100/300/100 limits.
Select your age and type of coverage below to see the average annual and monthly rates.
| Company Name | Avg. Annual Premium | Avg. Monthly Premium |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Why do car insurance rates increase for senior drivers in New Hampshire?
As drivers age, car insurance typically becomes more expensive. This is largely because statistics reveal that seniors, on average, are more involved in accidents than younger drivers, excluding teenagers, according to the Insurance Institute for Highway Safety.
While older drivers usually have decades of experience under their belt, they often suffer from age-related hearing or vision loss, slower reflexes, side effects from medicines and other health issues that can make driving more difficult.
The CDC reports that drivers older than 70 have a higher rate of crash fatalities per 1,000 crashes than those aged 35-54. NHTSA statistics reveal that in 2020, senior drivers 65 and older were involved in 13% of fatal accidents, up by 26% since 2011.
In addition, older drivers are more likely to need medical treatment even after a minor accident, and steep hospital expenses contribute to an overall increase in insurance rates.
“Unfortunately, as we move past middle age, the odds of being more severely injured or dying in a car crash increase significantly,” says Carole Walker, executive director at Rocky Mountain Insurance Association.
“Statistically, older drivers have a higher risk of causing a crash, but an even bigger factor adding to higher car insurance bills are common health problems that make them more prone to being hurt and incurring medical bills – even in low-speed or less serious crashes,” she says.
According to an analysis by CarInsurance.com, rates start to climb for most senior drivers in their mid-60s and continue to increase from then on.
In New Hampshire, the average cost for a full coverage policy is $1,188 for a 65-year-old and $1,310 for a 70-year-old.
CarInsurance.com found that 70-year-old drivers pay 10% more for full coverage than 65-year-old drivers in New Hampshire, and 75-year-old drivers pay 17% more for a full coverage policy.
The table below shows the annual average rate increase for senior drivers by age in New Hampshire for different coverage levels:
| Age | State minimum | Liability only | Full coverage |
|---|---|---|---|
| 65 | $402 | $421 | $1,188 |
| 70 | $449 | $470 | $1,310 |
| 75 | $507 | $530 | $1,449 |
Coverage types:
- Full coverage: 100/300/100 liability with $500 comp/coll deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage only
Find out how much insurance costs for seniors
Cheapest car insurance for seniors with tickets in New Hampshire
A speeding ticket or other moving violation will increase your insurance premiums regardless of age. Insurers value statistics, and the data show that drivers who have tickets are more likely to be involved in accidents that might lead to claims.
While the increase will vary by the insurance company, according to CarInsurance.com, New Hampshire, drivers can expect their rates to go up 32% after a speeding ticket that is 1-29 mph over the limit.
If you are a senior with a speeding ticket or other minor moving violation on your record, expect to pay more for coverage. When we ran the numbers, these were the best insurance companies for seniors with tickets on their records.
| Company | Annual rates with 1 speeding ticket | Monthly rates with 1 speeding ticket |
|---|---|---|
| Auto-Owners | $906 | $76 |
| Progressive | $1,764 | $147 |
| Nationwide | $1,779 | $148 |
| Farmers | $2,234 | $186 |
| Geico | $2,437 | $203 |
| Allstate | $2,545 | $212 |
| USAA* | $933 | $78 |
Compare senior car insurance rates in neighboring states
Cheapest car insurance for seniors with DUIs in New Hampshire
A DUI is a major offense, and your insurance rates will rise significantly once it shows on your driving record. In most instances, your premium will double with a DUI. According to CarInsurance.com, in some states, rates can increase by 61% after the first DUI and up to 118% after a second.
After a DUI, finding affordable or any coverage can be difficult, but based on our data, these insurers are the best options for seniors with a DUI in New Hampshire:
| Company | Annual rates with DUI first offense | Monthly rates with DUI first offense |
|---|---|---|
| The Hanover | $1,221 | $102 |
| Auto-Owners | $1,378 | $115 |
| State Farm | $1,405 | $117 |
| Progressive | $1,514 | $126 |
| Nationwide | $2,454 | $205 |
| Farmers | $2,650 | $221 |
| Allstate | $2,807 | $234 |
| Geico | $2,946 | $246 |
| USAA* | $1,317 | $110 |
Cheapest car insurance for seniors after an accident in New Hampshire
Similar to a ticket or DUI, an accident on your record will lead to higher insurance rates. Although the exact increase depends on the insurer, data show drivers can expect a 49% hike in premiums after an at-fault accident with property damage over $2,000.
The increase will typically stay in place for three to five years, so it’s important to find the most affordable insurance company. Our data shows that the following insurers offer the cheapest car insurance for seniors after an accident in New Hampshire.
| Company | Annual rates with 1 at-fault accident | Monthly rates with 1 at-fault accident |
|---|---|---|
| The Hanover | $1,088 | $91 |
| State Farm | $1,126 | $94 |
| Auto-Owners | $1,136 | $95 |
| Nationwide | $1,534 | $128 |
| Progressive | $2,146 | $179 |
| Geico | $2,284 | $190 |
| Farmers | $2,949 | $246 |
| Allstate | $3,252 | $271 |
| USAA* | $1,301 | $108 |
How can seniors save on car insurance in New Hampshire?
While auto insurance for seniors can be costly, there are ways to save. Here are some simple steps to lower your premiums:
- Shop around: Comparing car insurance quotes every six months or annually around renewal time can help you find the best deal.
- Raise your deductible: By increasing your deductible from $500 to $1,000, you can reduce your monthly premiums. However, make sure you have enough savings to cover the higher deductible.
- Ask about discounts: Discounts, such as bundling with homeowners insurance, loyalty discounts and years of being licensed, are excellent ways to reduce your car insurance costs. Learn more about discounts below.
Editor’s Tip:Take a senior driving course: With an approved defensive driving course, seniors can save up to 4% on their car insurance in New Hampshire. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in New Hampshire.
Car insurance discounts for senior drivers in New Hampshire
Here are some car insurance discounts to help seniors lower their insurance costs.
| Discount type | Potential annual savings |
|---|---|
| Air bags | 1% |
| Anti-theft device | 2% |
| Daily commute | 15% |
| Days advanced purchase | 10% |
| Days per week driven | 10% |
| Defensive driver | 4% |
| Education | 4% |
| Electronic funds transfer | 3% |
| Electronic signature | 10% |
| Homeowner | 6% |
| Lower annual mileage | 3% |
| Loyalty – years renewal with company | 7% |
| Marital status | 5% |
| Multi policy | 11% |
| Paperless/electronic documents | 4% |
| Payment type | 8% |
| Primary use | 9% |
| Profession | 12% |
| Safety devices | 3% |
| Telematics | 11% |
| Years insured | 16% |
| Years licensed | 27% |
Choosing the cheapest and best car insurance for seniors in New Hampshire
Senior drivers generally pay higher premiums than younger adult drivers. If you want an affordable policy, carefully evaluate your needs and determine the coverage amount. When shopping for insurance, consider the price, customer service and available discounts.
Find the best auto insurance companies online to see which carrier provides affordable rates and easy-to-use websites or apps.
FAQ: Cheap car insurance for seniors in New Hampshire
Who has the cheapest state minimum auto insurance for seniors in New Hampshire?
According to our data, The Hanover offers the cheapest state minimum auto insurance for seniors in New Hampshire at about $204 a year, on average. Auto-Owners and State Farm also scored high when it comes to cheap state minimum insurance coverage for seniors in New Hampshire.
Which companies offer the cheapest liability car insurance for seniors in New Hampshire?
The Hanover has the cheapest liability car insurance coverage for senior drivers in New Hampshire at an average annual premium of $243. Auto-Owners and MMG Insurance also offer cheap liability insurance rates to seniors in New Hampshire, based on CarInsurance.com data analysis.
Does State Farm offer a senior discount in New Hampshire?
State Farm does not currently offer a senior discount in New Hampshire, but it does offer quite a few deals that seniors can use to lower their premiums. This includes discounts for taking a defensive driving course, a safe driving discount, long-term customer, bundling and discounts for advanced safety features on your vehicle.
Bottom line
Auto-Owners is the cheapest for senior drivers in New Hampshire. To find the best car insurance rates, seniors should shop around and compare quotes online from various insurers. They can also qualify for discounts by taking defensive driving courses or bundling their car insurance with other types of coverage.
Check out how to shop for car insurance for seniors
Resources & Methodology
Additional Resources
There are several resources available for older drivers who want to stay safe behind the wheel and save on their insurance premiums:
- American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
- AARP (American Association of Retired Persons): AARP’s smart driver program helps senior drivers to learn proven driving techniques and save money on car insurance.
- National Institute on Aging: The NIA provides tips to senior drivers about health and driving and offers free publications to aging seniors to answer health-related queries.
- Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
- Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.
Sources:
- Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed March 2025.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed March 2025.
- National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed March 2025.
- National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed March 2025.
Methodology
CarInsurance.com gathered car insurance rates for senior drivers from Quadrant Information Services. The rates are for a full coverage policy with limits 100/300/100 and a $500 comprehensive and collision deductible based on sample profiles of 65, 70 & 75 year old male and female drivers with clean driving records. We have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 170 national and regional car insurance companies.
To determine car insurance rates for senior drivers with a history of traffic violations, CarInsurance.com used a sample profile of a 65-year-old driver who owns a Honda Accord LX. We have compared 50,73,544 insurance quotes from 138 companies across 1,468 ZIP codes.
Car insurance rates are calculated by evaluating the sample profile of a 65-year-old male and female driver with the following incidents applied
- One at-fault property damage accident over $2K
- One at-fault property damage accident under $2K
- At-fault bodily injury accidents
- DUI/DWI first offense.
- Speeding ticket (1-10 MPH over the limit,11-29 MPH over the limit & 30+ over limit)
These are sample rates and should only be used for comparison purposes.
Note: USAA is only available to military community members and their families.
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