Best Car Insurance in New Hampshire

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Updated: December 29, 2025

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Best Car Insurance in New Hampshire: Fast Facts

MoneyGeek evaluated all auto insurance providers in New Hampshire and scored their services based on affordability (cost and discounts), customer service, and coverage options across all residential ZIP codes. All in total, these companies offer the best car insurance in New Hampshire (Click on each category to learn more about the winners):

Best by Rating:

Best by Driver and Coverage:

To ensure you get a good deal on New Hampshire auto insurance, we also provided answers to common questions about the topic (Click to learn more).

Best Car Insurance Companies in New Hampshire

Auto-Owners leads New Hampshire's car insurance market with competitive rates for most drivers, young drivers and those with violations. MMG offers the state's lowest premiums for standard profiles, while Vermont Mutual provides the best rates for seniors.

Auto-Owners4.55$5816
MMG Insurance4.47$4428
Safety Insurance4.37$5391
Geico4.35$4767
Progressive4.24$6632
Mapfre Insurance4.22$51115
Vermont Mutual Insurance4.21$5258

How We Chose the Best Car Insurance Companies in New Hampshire

Compare New Hampshire Car Insurance Rates From Top Companies

Enter your ZIP code to quickly compare quotes with top car insurance companies in New Hampshire.

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LEARN MORE ABOUT THE BEST CHEAP AUTO INSURANCE IN NEW HAMPSHIRE

Get more in-depth information about the best vehicle insurance in New Hampshire for your profile:

Auto-Owners

Auto-Owners: Best Cheap New Hampshire Car Insurance Company Overall

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  • Independent agents know New Hampshire insurance requirements

  • Pet medical, gap insurance and custom equipment coverage available

  • Accepts high-risk drivers

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  • Fewer discounts than competitors

  • Agent-focused model with limited digital tools

  • Regional coverage restrictions

COMPANY HIGHLIGHTS

Auto-Owners ranks first overall and first for young drivers or those with violations in New Hampshire. Drivers with older vehicles pay $44 monthly. Adult drivers pay $57 per month. Drivers with speeding tickets pay $65 monthly, well below rates from most competitors.

Beyond standard liability, collision and comprehensive coverage, Auto-Owners provides pet medical protection, custom parts coverage, gap insurance, rental reimbursement and roadside assistance. New Hampshire's harsh winters and unpredictable weather increase vehicle damage risks, and Auto-Owners' coverage addresses storm damage, theft and wildlife collisions.

Auto-Owners scores 5.0 out of 5.0 for customer experience across most driver categories in New Hampshire and 3.4 for coverage options. Independent agents handle claims quickly through multiple communication channels. Auto-Owners accepts high-risk drivers that other insurers reject.

Read our review: Auto-Owners Car Insurance Review

MMG Insurance

MMG: Best New Hampshire Car Insurance for Young Drivers and Customer Service

checkmarkpros

  • Lowest rates in New Hampshire across driver categories

  • Strong local agent network throughout the state

  • Pet injury and custom parts coverage available

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  • Fewer coverage options than competitors

  • Slow claims processing with communication delays

  • No rideshare coverage for Uber or Lyft drivers

COMPANY HIGHLIGHTS

MMG offers the cheapest car insurance for most New Hampshire drivers with a 5.0 affordability score. Rates average $44 monthly ($531 annually). Low-income drivers pay just $34 monthly for minimum coverage.

MMG scores 4.1 out of 5.0 for customer experience, ranking second among competitors. The mobile app handles claims reporting, policy access and premium payments. MMG operates multiple agent locations across New Hampshire with shorter wait times than most insurers.

MMG's coverage options score 2.5 out of 5.0. The insurer provides roadside assistance, rental reimbursement, gap insurance, pet injury coverage and custom parts protection. These options work for drivers who prioritize low rates over extensive coverage choices.

Read our review: MMG Car Insurance Review

Vermont Mutual Insurance

Vermont Mutual: Best New Hampshire Car Insurance for Seniors, High-Risk Drivers, Bad Credit and Coverage Options

checkmarkpros

  • Top-ranked affordability with competitive premium rates statewide

  • Nearly 200 years of Northeast regional expertise

  • Specialized winter weather coverage including glass protection

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  • Limited specialized coverage like rideshare and gap insurance

  • Claims must be reported by phone only

  • Fewer coverage options compared to top competitors

COMPANY HIGHLIGHTS

Vermont Mutual offers the cheapest car insurance for senior drivers in New Hampshire. Average rates are $52 monthly ($629 annually). Seniors pay $101 monthly for full coverage. Drivers with older cars pay $58 monthly. Vermont Mutual scores 4.7 out of 5.0 for affordability. Auto-Owners offers better rates for young drivers, adults and drivers with accidents.

Vermont Mutual provides medical payments, uninsured motorist protection, physical damage coverage with OEM parts, rental reimbursement and roadside assistance. The insurer scores 2.5 out of 5.0 for coverage options, ranking 8th overall.

Vermont Mutual scores 3.8 out of 5.0 for customer experience, ranking fifth among competitors. Local agents handle claims throughout New Hampshire with prompt assessments. Vermont Mutual lacks a mobile app but provides personalized service through its established local presence.

Read our review: Vermont Mutual Car Insurance Review

Best Car Insurance in New Hampshire by City

Car insurance rates vary across New Hampshire cities based on population density and claim frequency. MoneyGeek analyzed 20 cities and found Auto-Owners offers the best rates in most markets, while MMG leads in three cities.

  • Cities where Auto-Owners is best: Berlin, Claremont, Concord, Derry, Goffstown, Keene, Laconia, Lebanon, Littleton, Manchester, Merrimack, Nashua, Rochester, Salem, Somersworth
  • Cities where MMG is best: Hudson, Londonderry, Windham

The table below shows top-ranked insurers across New Hampshire's major cities.

BerlinAuto Owners$5916
ClaremontAuto Owners$5316
ConcordAuto Owners$5716
DerryAuto Owners$6616
DoverSafety Insurance$5391
GoffstownAuto Owners$6216
HudsonMMG Insurance$4928
KeeneAuto Owners$5316
LaconiaAuto Owners$5516
LebanonAuto Owners$5316
LittletonAuto Owners$5216
ManchesterAuto Owners$7016
NashuaAuto Owners$6316
PortsmouthSafety Insurance$4891
RochesterAuto Owners$5916
SalemAuto Owners$6716
SomersworthAuto Owners$5916
WindhamMMG Insurance$4328

How to Find the Best Car Insurance in New Hampshire

Follow these steps to find the best car insurance in New Hampshire.

  1. 1

    Assess Your Coverage Needs

    Evaluate your coverage requirements based on where you drive, your vehicle's value and your financial situation. Drivers in high-traffic areas like Manchester or Nashua face higher collision risks and need comprehensive coverage. Use our car insurance needs calculator to determine appropriate coverage levels.

  2. 2

    Study Pricing and Available Discounts

    Review average car insurance costs in New Hampshire to identify competitive rates. Check our guide to the cheapest auto insurance providers. List discounts you qualify for to discuss with agents.

  3. 3

    Evaluate Company Reliability

    Research each insurer's customer service and claims handling reputation. Check NAIC, A.M. Best and J.D. Power ratings, plus customer reviews on Trustpilot. Review available coverage options and add-ons that match your needs.

  4. 4

    Gather Multiple Price Quotes

    Request quotes from at least five insurers through independent agents, captive agents and company websites. Pricing varies by source. Use identical coverage limits across all quotes for accurate comparison.

  5. 5

    Review Annually

    Insurance rates change based on market conditions, your driving record and other factors. Review your policy annually to ensure competitive pricing and adequate coverage.

  6. 6

    Consider Payment Options

    Many insurers discount annual payments or electronic fund transfers. Some companies charge monthly payment fees, so include these costs in your total premium comparison.

  7. 7

    Finalize Your Policy

    Complete your application once you've selected the best combination of price, coverage and service. Start your new policy before your current coverage expires to avoid gaps in protection, which cause penalties or higher future rates.

Best Auto Insurance in New Hampshire: FAQ

Find answers to common questions about choosing car insurance in New Hampshire.

Who are the cheapest car insurance providers in New Hampshire?

Why is car insurance so expensive in New Hampshire?

How much is car insurance in New Hampshire on average?

How can I save money on car insurance in New Hampshire?

How much car insurance is required in New Hampshire?

Is unlimited PIP still worth it in New Hampshire?

Best Auto Insurance New Hampshire: Bottom Line

For drivers seeking affordable auto insurance in New Hampshire, Auto-Owners, MMG and Vermont Mutual Insurance consistently offer competitive rates across different driver profiles. These companies represent our top recommendations based on comprehensive research, but your ideal insurer depends on your specific circumstances and coverage requirements. To secure the best deal, determine your coverage needs first, compare costs and available discounts, check each company's reputation and customer service ratings, then request quotes from multiple providers to find your personalized best rate.

Best Car Insurance in New Hampshire Chart

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

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