No single insurer wins for every driver. Our analysis of rates and coverage found that the best car insurance in New Hampshire depends on your driver profile, where you live, how much coverage you carry, and what you need from a policy.
Best Car Insurance in New Hampshire for 2026
Updated: June 3, 2026
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Our Experience Reviewing New Hampshire's Top Car Insurers
Amica: Best Overall in New Hampshire
Amica earns New Hampshire's top MoneyGeek score at 4.50/5. Its 735 J.D. Power score in the 2025 U.S. Auto Insurance Study is the highest among New Hampshire's top-ranked carriers, 110 points above the 625 study average. Full coverage averages $112/month, and Amica's dividend policy program can reduce annual premiums by up to 20% for eligible policyholders.
GEICO: Cheapest Rates in New Hampshire
GEICO has the lowest average rates among top-ranked New Hampshire carriers, with minimum coverage starting around $63/month and full coverage averaging $97/month, roughly 18% below the New Hampshire state average. That rate consistency across driver profiles makes GEICO the low-cost option for drivers with clean records, young adults, and those carrying only state-minimum coverage.
Travelers: Best for Coverage Options
No other top-five carrier in New Hampshire has more add-on options than Travelers, which holds a 4.20/5 MoneyGeek score. It offers new car replacement, gap insurance, accident forgiveness, and rideshare endorsements. Full coverage averages $108/month.
State Farm: Best for Local Agent Access
State Farm earns a 4.15/5 MoneyGeek score in New Hampshire and has the largest local agent network in the state. Its Drive Safe & Save telematics program offers discounts to low-mileage and safe drivers. Full coverage averages $115/month. Middle-aged drivers and those with a single prior at-fault accident get better rates here than at other top-ranked carriers.
Progressive: Best for High-Risk Drivers
Progressive's pricing for drivers with violations or DWI (driving while intoxicated) records earns it a 4.00/5 MoneyGeek score. For drivers with a DWI, full coverage costs an average of $178/month, among the lowest in New Hampshire for that profile. Progressive also files SR-22s for drivers who need them under the state's take-all-comers rule. Its Name Your Price tool and Snapshot telematics program are available in New Hampshire.
Best Car Insurance Companies in New Hampshire: Scores and Methodology
Amica | 4.50 | 2 | 1 | 2 |
GEICO | 4.25 | 1 | 3 | 4 |
Travelers | 4.20 | 3 | 4 | 1 |
State Farm | 4.15 | 4 | 2 | 3 |
Progressive | 4.00 | 5 | 5 | 5 |
Why You Can Trust MoneyGeek's New Hampshire Ratings
MoneyGeek evaluated eight insurance companies in New Hampshire, including national carriers and New Hampshire regional insurers. Rankings combine rate analysis, customer feedback, and coverage assessments across three weighted factors. MoneyGeek does not receive compensation tied to which companies rank highest. Rate data comes from Quadrant Information Services, which sources actual insurance filings across every ZIP code.
Affordability (60%):
Rate quotes were gathered for multiple driver profiles using a baseline 40-year-old male with good credit, clean record, no prior claims. Quotes covered full coverage with 100/300/100 BI, $100,000 PD, and UM/UIM matching state minimums or higher. Rates reflect New Hampshire's most recently filed/approved insurer filings. Discounts applied where applicable include multi-policy, autopay, paperless, good-driver. Quotes based on published carrier filings, not individual quote forms.
Customer experience (30%):
Customer satisfaction data was compiled from J.D. Power studies (including the 2025 U.S. Auto Insurance Study and the 2025 U.S. Auto Claims Satisfaction Study), AM Best financial strength ratings, and multi-platform review aggregation. NAIC complaint indexes also feed the composite score. J.D. Power scores shown in each carrier section are one input to the composite, not the full ranking.
Coverage options (10%):
Coverage scoring measures each provider's range of coverage types and New Hampshire-specific add-on availability. Standard coverages (bodily injury liability, property damage liability, uninsured/underinsured motorist, medical payments / PIP, comprehensive, collision) are included in the baseline score. Add-on coverages weighted in the score include accident forgiveness, new car replacement, rideshare endorsements, gap insurance, custom parts coverage, mechanical breakdown insurance, and pay-per-mile or telematics-based programs. Coverages restricted or unavailable under state law are excluded from the score for all carriers.
*Rates and rankings on this page reflect a 40-year-old male driver with good credit and a clean record. Full coverage rates use 100/300/100,000 liability limits with a $1,000 comprehensive and collision deductible. Minimum coverage rates use New Hampshire's mandatory 25/50/25 (only required IF a driver chooses to purchase insurance) bodily injury liability and property damage limits, without comprehensive or collision.
**USAA is excluded from all rankings because it is available only to military members and their families, which limits its accessibility for most readers.
Similar scores can reflect very different strengths in New Hampshire:
- Amica (4.50/5) and GEICO (4.25/5) are 0.25 points apart. Amica scores higher on customer satisfaction, with a 735 J.D. Power score versus GEICO's 639. GEICO charges less, with full coverage at $97/month versus Amica's $112/month.
- There's only a 0.05-point difference between Travelers (4.20/5) and State Farm (4.15/5). Travelers has more available add-ons, while State Farm ranks second on customer experience due to its local agent network and claims responsiveness.
- State Farm (4.15/5) is the cheaper choice for clean-record drivers. Progressive (4.00/5) has lower rates for drivers with DWI convictions or multiple violations.
WHAT'S DIFFERENT ABOUT CAR INSURANCE IN NEW HAMPSHIRE
New Hampshire is the only US state where auto insurance is not statutorily required. If a driver chooses to buy a policy, the minimum liability is 25/50/25 and MedPay is $1,000. UM/UIM is 25/50 and auto-stacks to match elected liability limits unless rejected in writing.
The state's Insurance Department requires every licensed personal auto insurer to provide minimum financial responsibility limits and file an SR-22 for any driver who requests one.
Best New Hampshire Car Insurance Company Ratings
Amica
Best Overall in New Hampshire
MoneyGeek Rating
4.5/ 5
4.3/5Affordability
4.8/5Customer Experience
4.4/5Coverage
Average Monthly Full Coverage Rate
$112Average Monthly Minimum Coverage Rate
$71J.D. Power Auto Insurance Study Score
735
GEICO
Cheapest Rates in New Hampshire
MoneyGeek Rating
4.3/ 5
4.8/5Affordability
3.9/5Customer Experience
3.6/5Coverage
Average Monthly Full Coverage Rate
$97Average Monthly Minimum Coverage Rate
$63J.D. Power Auto Insurance Study Score
639
Travelers
Best for Coverage Options
MoneyGeek Rating
4.2/ 5
4.1/5Affordability
3.8/5Customer Experience
4.7/5Coverage
Average Monthly Full Coverage Rate
$108Average Monthly Minimum Coverage Rate
$68J.D. Power Auto Insurance Study Score
622
State Farm
Best for Local Agent Access
MoneyGeek Rating
4.2/ 5
3.9/5Affordability
4.5/5Customer Experience
4.1/5Coverage
Average Monthly Full Coverage Rate
$115Average Monthly Minimum Coverage Rate
$74J.D. Power Auto Insurance Study Score
634
Progressive
Best for High-Risk Drivers
MoneyGeek Rating
4/ 5
3.8/5Affordability
3.6/5Customer Experience
3.5/5Coverage
Average Monthly Full Coverage Rate
$121Average Monthly Minimum Coverage Rate
$78J.D. Power Auto Insurance Study Score
582
Rates at New Hampshire's Best Car Insurance Companies
New Hampshire rates vary by more than 20% across the top five carriers, with each insurer's risk model, discount structure and exposure to the state's rural driving patterns and winter weather claims setting the difference. The difference between the cheapest carrier (GEICO at $97/month) and the state average represents a savings opportunity of $22/month, or $264/year.
$112 | $71 | 6% below | |
$97 | $63 | 18% below | |
$108 | $68 | 9% below | |
$115 | $74 | 3% below | |
$121 | $78 | 2% above | |
New Hampshire State Average | $119 | $76 | — |
National Average | *$216* | *$61* | — |
The state average for full coverage is $119/month, below the national average of $216/month. Minimum coverage averages $76/month versus the national average of $61/month. The state's mandatory MedPay and uninsured/underinsured motorist (UM/UIM) coverage stacking requirements account for that gap.
Coverage Options at New Hampshire's Best Car Insurance Companies
Any policy purchased in New Hampshire must include $1,000 in medical payments coverage and 25/50 uninsured motorist coverage that auto-stacks to match elected liability limits. Collision coverage and comprehensive coverage are optional add-ons most New Hampshire drivers should consider beyond the mandated minimums. Not all top-five carriers offer every add-on in the state.
Bodily injury liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Property damage liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Comprehensive | ✓ | ✓ | ✓ | ✓ | ✓ |
Collision | ✓ | ✓ | ✓ | ✓ | ✓ |
Uninsured/underinsured motorist | ✓ | ✓ | ✓ | ✓ | ✓ |
Medical payments / MedPay | ✓ | ✓ | ✓ | ✓ | ✓ |
Roadside assistance | ✓ | ✓ | ✓ | ✓ | ✓ |
Rental reimbursement | ✓ | ✓ | ✓ | ✓ | ✓ |
Accident forgiveness | ✓ | ✗ | ✓ | ✓ | ✓ |
New car replacement | ✓ | ✗ | ✓ | ✗ | ✗ |
Rideshare coverage | ✗ | ✓ | ✓ | ✓ | ✓ |
Gap insurance | ✗ | ✗ | ✓ | ✗ | ✓ |
Custom parts coverage | ✗ | ✓ | ✓ | ✗ | ✓ |
Coverage total | 10/13 | 10/13 | 13/13 | 10/13 | 12/13 |
All five top-ranked carriers offer comprehensive coverage in New Hampshire, and the state's geography makes it particularly worth carrying. Rural New Hampshire roads generate a high frequency of deer-strike claims. Urban areas like Manchester and Nashua have higher vehicle theft rates compared to the state average. Winter weather events, including ice storms and heavy snowfall, can also lead to comprehensive claims. For most New Hampshire drivers, comprehensive coverage is a sound investment even at the state's relatively modest premium levels.
With New Hampshire's estimated 10% uninsured driver rate, the uninsured motorist coverage provision raises the financial protection most New Hampshire drivers carry. Increasing liability limits from 25/50 to 100/300 upgrades UM/UIM to 100/300 at the same time, with no separate endorsement required. New Hampshire does not require personal injury protection (PIP).
Travelers is the only carrier among New Hampshire's top five to offer both gap insurance and new car replacement, making it the strongest option for drivers financing or leasing a new vehicle. Travelers' gap coverage pays the difference between the vehicle's actual cash value and the remaining loan balance in a total loss, a gap that can easily exceed $5,000 on a new vehicle in the first two years of ownership.
How to Use These Rankings to Find Your Best New Hampshire Carrier
The right New Hampshire carrier depends on which factor matters most to you. Here's how each top-five carrier fits a specific driver profile.
Price is your top priority
GEICO is the cheapest carrier in New Hampshire, with full coverage averaging $97/month and minimum coverage at $63/month. These are 18% and 17% below the New Hampshire state average, respectively. Our cheapest car insurance in New Hampshire guide breaks down low-cost options for different driver profiles.
Claims experience matters most to you
Amica scores 735 in J.D. Power's 2025 U.S. Auto Insurance Study, the highest score in the study and 110 points above the 625 regional average. The second placer, GEICO, is 96 points behind.
Coverage and price both matter
Amica ranks first overall at 4.50/5, with full coverage at $112/month, 6% below the New Hampshire state average. It has the broadest standard coverage options among carriers at its price tier. Amica's dividend program can further reduce annual premiums for long-term policyholders.
There's a young driver in your household
GEICO offers the lowest rates for young drivers in New Hampshire. A 25-year-old with a clean record pays an average of $149/month for full coverage, the cheapest among the top five for this profile.
Bundling home and auto insurance in New Hampshire can lead to additional savings.
Your record has a DUI or violation
The cheapest option for New Hampshire drivers with a DWI conviction is Progressive. Full coverage costs an average of $178/month. New Hampshire requires a 3-year SR-22 filed with the DMV Bureau of Financial Responsibility.
Under the state's take-all-comers rule, Progressive must write your coverage. Drivers who need an SR-22 can find more details in our SR-22 car insurance in New Hampshire guide.
You're uninsured in New Hampshire
New Hampshire is the only state where driving without insurance is not illegal. Drivers can provide a financial responsibility deposit with the state treasurer as an alternative to insurance. Uninsured drivers who cause an accident are personally liable for all damages, and the state can suspend their license and registration until any judgment is paid.
Best New Hampshire Car Insurance: FAQ
Is car insurance required in New Hampshire?
No. New Hampshire is the only US state where auto insurance is not statutorily required. Drivers must prove financial responsibility, the ability to pay for damages they cause. Auto insurance is the most common way to do that, but drivers can choose to deposit money or securities with the state treasurer instead. Drivers with a DWI conviction, an at-fault uninsured accident, habitual offender decertification, or certain other violations must file proof of insurance (SR-22) for a minimum of three years.
What is the minimum car insurance required in New Hampshire?
If a New Hampshire driver chooses to buy insurance or is required to after a DWI or at-fault uninsured accident, minimums are 25/50/25 liability, $1,000 medical payments coverage, and 25/50 uninsured motorist coverage. UM/UIM auto-stacks to match elected liability limits unless rejected in writing. New Hampshire does not require PIP insurance.
What happens if I drive without insurance in New Hampshire and cause an accident?
New Hampshire drivers are personally liable for any damages they cause. The state can suspend the at-fault uninsured driver's license and vehicle registration until any judgment is satisfied and proof of financial responsibility (SR-22) is filed. SR-22 must be filed for a minimum of three years from the date of the accident.
What is the "take all comers" rule in New Hampshire?
According to the New Hampshire Insurance Department, every insurer licensed to sell personal lines auto insurance in New Hampshire must provide minimum financial responsibility limits and file an SR-22 for any driver who requests one. Even drivers with DWI convictions, multiple violations, or prior at-fault accidents can get coverage from any licensed New Hampshire insurer. Refusal by an insurer or agent violates state statute.
Does my New Hampshire auto policy really include MedPay automatically?
Yes. Every motor vehicle policy issued in New Hampshire must include at least $1,000 in medical payments (MedPay) coverage, which covers driver and passenger medical bills regardless of fault.
Why is the UM/UIM auto-stacking rule in New Hampshire important?
When a New Hampshire driver elects liability limits above the 25/50 minimum, their uninsured motorist coverage automatically increases to match those limits unless the driver rejects the higher UM/UIM in writing. The same applies to umbrella and excess policies. A driver with 100/300 liability automatically carries 100/300 UM/UIM. New Hampshire's uninsured driver rate is estimated at 10%, meaning this provision increases the effective protection most drivers have against uninsured-driver collisions.
Sources
- AM Best. "Ratings Services." Accessed 2026.
- Insurance Information Institute (III). "Facts + Statistics: Uninsured Motorists." Accessed 2026.
- J.D. Power. "2025 U.S. Auto Insurance Study." Accessed 2026.
- J.D. Power. "2025 U.S. Auto Claims Satisfaction Study." Accessed 2026.
- New Hampshire Division of Motor Vehicles. “Insurance Requirements/SR-22 FAQs.” Accessed 2026
- New Hampshire Insurance Department. “Automobile Insurance Consumer Frequently Asked Questions.” Accessed 2026
- New Hampshire Insurance Department. “Bulletin Docket No.: 20-061-AB.” Accessed 2026
For the complete breakdown of MoneyGeek's scoring weights and rate baseline construction, see our full auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.