The cheapest car insurance in New Hampshire costs $67 per month for a full coverage policy from Auto-Owners. That’s a $38 savings from the average cost of insurance in the state, which is $105 a month.
“Drivers looking to get the cheapest insurance premiums in New Hampshire should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in New Hampshire including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Auto-Owners has the cheapest car insurance rates in New Hampshire for full coverage at $67 a month among the companies analyzed by the team of CarInsurance.com.
- In New Hampshire, drivers with clean driving records pay 41% less than drivers with a DUI.
- The city of Swanzey has the lowest auto insurance rates in New Hampshire, with an average premium of $1,178 per year.
- You can save up to 36% per year on your car insurance policy in New Hampshire by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance rates in New Hampshire?
Based on data analysis by CarInsurance.com, Auto-Owners provides the cheapest full coverage auto insurance rates for New Hampshire drivers at a monthly rate of $67 or $803 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in New Hampshire.
Cheapest car insurance rates in New Hampshire per month
| Company | Full coverage monthly rates |
|---|---|
| Auto-Owners | $67 |
| The Hanover | $86 |
| MMG Insurance | $86 |
| Nationwide | $95 |
| State Farm | $96 |
| Geico | $101 |
| Progressive | $112 |
| Farmers | $163 |
| Allstate | $177 |
| USAA* | $71 |
Note: USAA is only available to military community members and their families.
Who pays a lower insurance premium in New Hampshire?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 6% less than single drivers.
- New Hampshire drivers with clean records pay 41% less than drivers who have a DUI on their records.
- New Hampshire drivers in their 20s pay 57% lower rates for insurance than a 16-year-old in New Hampshire.
- Adding a teen to your policy will cost you 78% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 29% less on their insurance premiums.
- Drivers insured for three or more years can save up to 15% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 7% for this state more on their premiums.
Cheapest insurers for different coverage levels in New Hampshire
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- The Hanover is the cheapest for a state minimum policy.
- The Hanover has the cheapest rates for a liability-only policy (50/100/50).
- Auto-Owners offers the cheapest car insurance for a full coverage policy (100/300/100) in New Hampshire.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in New Hampshire
New Hampshire requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in New Hampshire, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| The Hanover | $191 |
| Auto-Owners | $222 |
| MMG Insurance | $242 |
| State Farm | $306 |
| Geico | $361 |
| Progressive | $417 |
| Farmers | $507 |
| Nationwide | $686 |
| Allstate | $808 |
| USAA* | $232 |
Note: USAA is only available to military community members and their families.
Cheapest New Hampshire insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from New Hampshire’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| The Hanover | $227 |
| MMG Insurance | $255 |
| Auto-Owners | $255 |
| State Farm | $349 |
| Geico | $395 |
| Progressive | $434 |
| Farmers | $499 |
| Nationwide | $626 |
| Allstate | $857 |
| USAA* | $259 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in New Hampshire
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in New Hampshire, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| Auto-Owners | $803 |
| The Hanover | $1,027 |
| MMG Insurance | $1,038 |
| Nationwide | $1,145 |
| State Farm | $1,155 |
| Geico | $1,212 |
| Progressive | $1,343 |
| Farmers | $1,954 |
| Allstate | $2,123 |
| USAA* | $852 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in New Hampshire, by driving history
Your driving history affects how much you pay for insurance in New Hampshire because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $417 more annually in New Hampshire than an individual with a clean driving record.
Cheap car insurance in New Hampshire after a speeding ticket
If you have a speeding ticket on your New Hampshire driving record and you are looking for cheap car insurance, Auto-Owners offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $858 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Auto-Owners | $749 | $858 | 15% | $109 |
| Progressive | $865 | $1,140 | 32% | $274 |
| Nationwide | $869 | $1,406 | 62% | $537 |
| Geico | $771 | $1,509 | 96% | $738 |
| Auto Club Enterprises (AAA) | $1,148 | $1,643 | 43% | $495 |
| Allstate | $1,635 | $1,886 | 15% | $250 |
| USAA* | $732 | $843 | 15% | $111 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in New Hampshire after a DUI conviction
Progressive offers the cheapest car insurance to New Hampshire drivers with a DUI conviction at $998 per year and Auto-Owners has the second-cheapest insurance premiums at $1,303 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 41% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $865 | $998 | 15% | $133 |
| Auto-Owners | $749 | $1,303 | 74% | $554 |
| State Farm | $844 | $1,449 | 72% | $606 |
| Geico | $771 | $1,767 | 129% | $996 |
| Nationwide | $869 | $1,912 | 120% | $1,043 |
| Allstate | $1,635 | $2,062 | 26% | $427 |
| Auto Club Enterprises (AAA) | $1,148 | $2,168 | 89% | $1,020 |
| USAA* | $732 | $1,191 | 63% | $459 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in New Hampshire
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $987.
Auto-Owners is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,075.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $844 | $987 | 17% | $144 |
| Auto-Owners | $749 | $1,075 | 44% | $326 |
| Nationwide | $869 | $1,278 | 47% | $409 |
| Progressive | $865 | $1,419 | 64% | $554 |
| Auto Club Enterprises (AAA) | $1,148 | $1,433 | 25% | $285 |
| Geico | $771 | $1,501 | 95% | $730 |
| Allstate | $1,635 | $2,374 | 45% | $739 |
| USAA* | $732 | $1,074 | 47% | $341 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Which cities in New Hampshire have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in New Hampshire is Swanzey, at $1,178 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in New Hampshire with the lowest auto insurance rates.
| City | Full coverage annual rates |
|---|---|
| Swanzey | $1,178 |
| Keene | $1,181 |
| Enfield | $1,186 |
| Gilsum | $1,189 |
| Guild | $1,196 |
| Hanover | $1,197 |
| Springfield | $1,199 |
| Meriden | $1,200 |
| Plainfield | $1,200 |
| West Lebanon | $1,200 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on car insurance in New Hampshire?
By comparing car insurance quotes, you can save an average of 36% per year for a full coverage policy in New Hampshire.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in New Hampshire: Save on premiums
New Hampshire drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in New Hampshire.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 1% | $8 |
| Anti-theft device | 2% | $28 |
| Daily commute | 9% | $126 |
| Days advanced purchase | 10% | $180 |
| Days per week driven | 7% | $87 |
| Education | 4% | $64 |
| Electronic funds transfer | 3% | $58 |
| Electronic signature | 10% | $213 |
| Homeowner | 5% | $127 |
| Lower annual mileage | 3% | $44 |
| Loyalty – years renewal with company | 7% | $81 |
| Marital status | 6% | $109 |
| Multi policy | 11% | $173 |
| Paperless/electornic documents | 4% | $68 |
| Payment type | 8% | $248 |
| Primary use | 7% | $94 |
| Profession | 13% | $256 |
| Safety devices | 3% | $70 |
| Telematics | 11% | $146 |
| Years insured | 15% | $345 |
| Years licensed | 27% | $804 |
The bottom line on cheap car insurance in New Hampshire
Based on our research, if you are a good driver, Auto-Owners is the cheapest in New Hampshire for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in New Hampshire is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources &Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of New Hampshire for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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