Auto-Owners ranks as New Hampshire's best car insurance company, earning a MoneyGeek score of 4.5 out of 5 for its exceptional customer service and solid coverage options. Since insurance needs vary by driver, we also recommend considering MMG Insurance, Safety, GEICO and Progressive.
Best Car Insurance in New Hampshire
Updated: October 31, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in New Hampshire is Auto-Owners, ranking first in customer experience with a perfect score.
Safety offers the best coverage for drivers with bad credit in New Hampshire, while MMG Insurance provides the most affordable rates for low-income residents.
To secure the best car insurance rates in New Hampshire, determine your coverage needs first, research provider costs and compare plenty of quotes from multiple insurers.
Best Car Insurance Companies in New Hampshire
| Auto Owners | 4.55 | $58 | 1 | 6 |
| MMG Insurance | 4.47 | $44 | 2 | 8 |
| Safety Insurance | 4.37 | $53 | 9 | 1 |
| Geico | 4.35 | $47 | 6 | 7 |
| Progressive | 4.24 | $66 | 3 | 2 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in New Hampshire by Driver Profile
Auto-Owners offers the lowest rates in seven out of ten New Hampshire driver categories. For drivers with bad credit, Safety provides the best rates, while MMG Insurance leads for low-income drivers. Progressive tops the DUI category.
| Young Drivers | Auto-Owners | 2 | 1 | 6 |
| Adult Drivers | Auto-Owners | 6 | 1 | 6 |
| Senior Drivers | Auto-Owners | 5 | 1 | 6 |
| Drivers With an Accident | Auto-Owners | 7 | 1 | 6 |
| Drivers With a DUI | Progressive | 1 | 3 | 2 |
| Drivers With a Speeding Ticket | Auto-Owners | 5 | 1 | 6 |
| Drivers With Bad Credit | Safety | 3 | 9 | 1 |
| Drivers With Low Income | MMG Insurance | 1 | 2 | 8 |
| Drivers With Newer Cars | Auto-Owners | 3 | 1 | 6 |
| Drivers With Old Cars | Auto-Owners | 3 | 1 | 6 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best New Hampshire Car Insurance Recommendations
Our recommendations may not fit your unique situation. Compare these five top providers to find coverage that matches your specific needs.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Progressive | 4.03 | $102 | 3 | 2 |
| Auto Owners | 3.65 | $98 | 1 | 6 |
| Mapfre Insurance | 3.62 | $80 | 11 | 5 |
| Safety Insurance | 3.47 | $140 | 9 | 1 |
| MMG Insurance | 3.32 | $75 | 2 | 8 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best New Hampshire Car Insurance Reviews
See detailed service breakdowns for our top-rated insurance companies below.
Auto-Owners
Best Customer Experience in New Hampshire
MoneyGeek Rating
4.5/ 5
4.5/5Affordability
5/5Customer Experience
3.4/5Coverage Points
Average Monthly Full Coverage Cost
$77For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$39For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
MMG Insurance
Best Cheap Overall in New Hampshire
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.1/5Customer Experience
2.5/5Coverage Points
Average Monthly Full Coverage Cost
$58For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$30For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Equipment Breakdown
How to Find the Best Car Insurance in New Hampshire
Finding the right car insurance in New Hampshire can be challenging. We've created this guide to help you choose coverage that fits your needs.
- 1Decide on coverage needs before you buy
The easiest way to overpay for car insurance is not knowing what coverage you need. Consider your driving habits, location and finances when deciding on auto insurance levels while understanding New Hampshire required minimums.
- 2Research average costs and discounts you may qualify for
Start by researching average car insurance costs in New Hampshire to understand typical pricing for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs, and good student discounts. Taking a defensive driving program can also reduce your premium costs.
- 3Look through provider customer experiences and coverage options thoroughly
Insurance providers offer more than just premiums. Research customer reviews to avoid companies with poor claims handling or policy management. Examine available add-ons and extra coverage options to ensure they match your specific needs.
- 4Consider non-standard coverage options
Alternative options like manufacturer insurance, non-owner car insurance, and pay-per-mile policies might better suit your needs and budget.
- 5Compare plenty of quotes through multiple means
Compare multiple quotes to find the cheapest option possible. Get estimates through different channels including independent agents and company websites, as prices often vary between quoting methods.
- 6Reassess annually
Car insurance pricing changes frequently with market conditions. Review your coverage and costs yearly to ensure you maintain the best possible rate and appropriate coverage for your needs.
Best New Hampshire Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Based on our research, Auto-Owners is the top-rated company overall, while MMG Insurance and Safety are also good options for drivers in New Hampshire.
Best Auto Insurance in New Hampshire: FAQ
Your ideal car insurance coverage depends on personal factors like driving habits and budget, so we've gathered expert answers to help you choose the right policy.
What is the best car insurance company in New Hampshire?
Auto-Owners leads New Hampshire's car insurance market with a MoneyGeek score of 4.5 out of 5 and an average monthly premium of $77 for full coverage.
What is the best car insurance company for minimum coverage in New Hampshire?
MMG Insurance leads for minimum coverage in New Hampshire with average rates starting at $366 per year.
What is the best car insurance in New Hampshire for young drivers?
Auto-Owners is the top choice for young adults in New Hampshire, providing competitive rates at $83 monthly and excellent customer service ratings.
What is the best car insurance for New Hampshire drivers who value customer service?
Auto-Owners is the top provider for customer experience in New Hampshire with a score of 5 out of 5. The company delivers excellent service through its streamlined buying process, responsive agents, user-friendly policy tools and efficient claims handling.
What is the best car insurance in New Hampshire if you have driving offenses?
Progressive leads the pack for New Hampshire drivers with violations, offering monthly rates of $58 for minimum coverage and $90 for full coverage policies.
How We Rated the Best Car Insurance in New Hampshire
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in New Hampshire. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within New Hampshire. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on New Hampshire-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.