State Farm is the best car insurance in New Hampshire for full and minimum coverage, drivers with offenses and military members. Hanover is the best for customer service. For young drivers in the state, Nationwide is your top choice. Lastly, drivers with new cars will find the best coverage with Allstate.
For those who prioritize sticking to a budget, MoneyGeek lists the cheapest car insurance for Granite Staters.
Best Car Insurance in New Hampshire








Best Overall for Car Insurance in New Hampshire
The best overall car insurance in New Hampshire is State Farm. It balances affordability, stability, and customer service. The company charges an annual premium of $540 for full coverage.
Our top recommendations for this category are:
- State Farm: MoneyGeek score of 89 out of 100 ($540 per year)
- GEICO: MoneyGeek score of 88 out of 100 ($715 per year)
GEICO falls second in this category but outperforms State Farm in claims management. We also researched the cheapest car insurance for full coverage if you prioritize saving or sticking to a budget.

If you want a balance of affordability and quality service, State Farm is your best option. The insurer offers the most affordable rate for full coverage in New Hampshire, $540 per year. However, it provides limited coverage add-on options.
State Farm is a well-known car insurance company that has provided driver coverage for a century. With standard coverage options, competitive pricing, and exceptional customer service, it is considered the best overall car insurance provider in New Hampshire.
Policyholders can purchase add-on coverages, such as accident forgiveness and roadside assistance. With accident forgiveness, your first accident does not cause your premiums to increase. Roadside assistance pays for towing, lock services, jumpstarts, flat tires and gas delivery. However, State Farm doesn’t offer coverages like original equipment manufacturer (OEM) or gap insurance.
State Farm offers policyholders various ways to save on their premiums. The company has discounts for safe driving, anti-lock brakes, daytime running lights, airbags, anti-theft devices and new cars.

GEICO excels in financial stability and outperforms State Farm in claims management by a few points. This insurer is our second choice for best auto insurance in New Hampshire, and its annual premiums cost $715 for full coverage.
GEICO offers mechanical breakdown insurance (MBI), which provides better coverage at a more affordable rate than most dealers’ extended warranties. It encompasses all parts and systems and is available for new or leased cars less than 15 months old with fewer than 15,000 miles.
The company’s accident forgiveness add-on prevents your rate from increasing after your first at-fault accident. GEICO also offers more common coverages like a rental car or travel reimbursement and roadside assistance, which benefit most drivers.
GEICO offers policyholders many ways to lower costs through discounts. Having safety equipment like daytime running lights, airbags and anti-lock brakes gets you discounts, as does taking a defensive driving course. You can also reduce your rate by bundling insurance policies and insuring more than one car.

If you want a balance of affordability and quality service, State Farm is your best option. The insurer offers the most affordable rate for full coverage in New Hampshire, $540 per year. However, it provides limited coverage add-on options.
State Farm is a well-known car insurance company that has provided driver coverage for a century. With standard coverage options, competitive pricing, and exceptional customer service, it is considered the best overall car insurance provider in New Hampshire.
Policyholders can purchase add-on coverages, such as accident forgiveness and roadside assistance. With accident forgiveness, your first accident does not cause your premiums to increase. Roadside assistance pays for towing, lock services, jumpstarts, flat tires and gas delivery. However, State Farm doesn’t offer coverages like original equipment manufacturer (OEM) or gap insurance.
State Farm offers policyholders various ways to save on their premiums. The company has discounts for safe driving, anti-lock brakes, daytime running lights, airbags, anti-theft devices and new cars.

GEICO excels in financial stability and outperforms State Farm in claims management by a few points. This insurer is our second choice for best auto insurance in New Hampshire, and its annual premiums cost $715 for full coverage.
GEICO offers mechanical breakdown insurance (MBI), which provides better coverage at a more affordable rate than most dealers’ extended warranties. It encompasses all parts and systems and is available for new or leased cars less than 15 months old with fewer than 15,000 miles.
The company’s accident forgiveness add-on prevents your rate from increasing after your first at-fault accident. GEICO also offers more common coverages like a rental car or travel reimbursement and roadside assistance, which benefit most drivers.
GEICO offers policyholders many ways to lower costs through discounts. Having safety equipment like daytime running lights, airbags and anti-lock brakes gets you discounts, as does taking a defensive driving course. You can also reduce your rate by bundling insurance policies and insuring more than one car.
How the Best Insurers in New Hampshire Rank: MoneyGeek Scores and Costs
MoneyGeek analyzed nine insurance companies in New Hampshire and determined that State Farm outperforms the others. It balances affordability and customer service. GEICO, the runner-up, outperforms the former in claims management.
Yet, these insurance providers have limited options for coverage. Safety Group, Allstate and Nationwide all offer more coverage but at a higher price.
An insurer is eligible for an overall MoneyGeek score if there’s enough data available for all components of the scoring system.
Best Car Insurance in New Hampshire for Customer Service
If you’re looking for an insurance provider that puts customer service first, Hanover is your best option. The insurance providers that offer the best customer service in the state are:
- Hanover: MoneyGeek score of 86 out of 100 ($3,166 per year)
- Progressive: MoneyGeek score of 85 out of 100 ($1,035 per year)
Both insurers have similar customer service scores, but Hanover ranks higher in coverage and claims satisfaction. Progressive, however, is considerably cheaper.

pros
Original equipment manufacturer (OEM) coverage
New car replacement coverage
Deductible modification coverage
Automatic payment discount
cons
Most expensive insurance premium
COMPANY HIGHLIGHTS
When it comes to customer service, Hanover is considered one of the best car insurance providers in New Hampshire. With a focus on personalized service and attention to detail, Hanover strives to provide an excellent customer experience for its policyholders.
The company offers original equipment manufacturer (OEM) coverage, which covers the cost of using original parts and systems to repair your vehicle if it's damaged due to a covered incident. OEM coverage ensures your vehicle’s safety systems continue to work as intended
Newer car replacement coverage pays the actual cash value of a vehicle one model year newer than your car minus any deductible if your car is declared a total loss. This coverage can replace your car with a new one of the same make, model and equipment. Hanover offers new car replacement, deductible modification and accident forgiveness coverages.
What Makes an Insurer the Best for Customer Service?
When you have a rapport with your insurance provider, you will feel less stress if you incur an accident or file a claim. An insurer that provides quality customer service is efficient and must:
- Reply to your inquiries and complaints in a timely manner
- Help you when problems come up
- Promptly pay for your approved claim to relieve you of financial stress
MoneyGeek selected Hanover as the best insurance for customer service over Progressive because of its excellent customer satisfaction score.
Best Car Insurance in New Hampshire for Minimum Coverage
State Farm offers the best minimum coverage car insurance in New Hampshire. Our top recommendations for this category are:
- State Farm: MoneyGeek score of 91 out of 100 ($247 per year)
- Safety Group: MoneyGeek score of 89 out of 100 ($340 per year)
State Farm offers the most affordable rates for insurance premiums in the state for minimum coverage. Getting an insurance policy with minimum coverage is the cheapest choice for most drivers. But, it provides the least liability protection and won’t cover damages to your vehicle.

pros
Most affordable
High customer satisfaction score
Offers various discounts
cons
Limited coverage tiers
Low claims management score
COMPANY HIGHLIGHTS
State Farm is the best car insurance for minimum coverage in New Hampshire. It excels in customer service and affordability, with an annual premium of $247. This insurer only offers three add-on coverages, including rental car/travel reimbursement. If your car is inoperable for more than 24 hours, State Farm covers the costs you incur for rental cars or travel. Roadside assistance provides help if you break down, and rideshare insurance protects drivers working for rideshare companies while on duty.
Already the most affordable option, State Farm enables policyholders to save even more through various discounts. Putting a value on safety, the company has discounts for factory-installed daytime running lights, airbags and anti-lock brakes. New cars also cost less to insure, and if you remain accident-free for three years, you also save.
What Makes an Insurer the Best for Minimum Coverage?
An excellent minimum coverage policy comes with affordable rates for the coverage limits set by your state. Discounts will also reduce the cost of your premiums even further. However, a low price doesn’t always come with great service.
State Farm meets the requirements for an excellent minimum coverage insurance policy for New Hampshire residents. It’s affordable and provides good claims management and excellent customer service.
Best Car Insurance in New Hampshire for Young Adults
In New Hampshire, the best car insurance for young adults is State Farm. It offers a blend of affordability, service quality and claims satisfaction.
MoneyGeek found the best insurers in this category:
- State Farm: MoneyGeek score of 89 out of 100 ($681 per year)
- Nationwide: MoneyGeek score of 88 out of 100 ($1,001 per year)
Drivers in their 20s pay less for car insurance than most teenagers. But, they pay more than drivers in their 40s. Compare quotes if you’re looking to find car insurance for young drivers in New Hampshire that balances affordability and quality.

pros
Ranks first for affordability
High customer satisfaction score
Offers various discounts
cons
Limited coverage tiers
Low claims management score
COMPANY HIGHLIGHTS
State Farm is the best car insurance for young adults in New Hampshire. Out of nine insurance companies, it scored high on affordability and customer satisfaction. The average annual premium for a full coverage policy is $681. However, it has limited add-on coverages.
Drivers can add roadside assistance and rental car reimbursement to their policies. Roadside assistance comes in handy when your car breaks down. It covers the cost of mechanical labor for up to an hour and pays for towing, locksmith services, tire changes and gas delivery. Rental car reimbursement covers the cost of renting a car when yours is in the shop due to a covered incident.
State Farm offers several discounts to help young drivers save money on their premiums. These include discounts for taking a safe driving class, having daytime running lights and bundling policies.
What Makes an Insurer the Best for Young Adults?
A good policy for young adults is affordable, offers discounts and relevant coverages, and provides good customer service.
We chose State Farm because it balances affordability and customer service, even though its coverage options are limited. It also offers discounts to help customers save.
Best Car Insurance in New Hampshire for Seniors
State Farm offers the best car insurance for seniors in New Hampshire. We researched the best insurance companies in the state, and the following top the list:
- State Farm: MoneyGeek score of 89 out of 100 ($500 per year)
- Nationwide: MoneyGeek score of 88 out of 100 ($624 per year)
State Farm is the best and most affordable insurance provider for seniors. It scored high in affordability and customer satisfaction. Drivers in their 60s pay similar insurance premiums as drivers in their 30s and 50s. Yet, insurance premiums tend to increase when you reach your 70s.
Shopping around for quotes will help you find the most affordable insurance policy for seniors.

pros
Lowest premium
Great customer satisfaction
Senior driver discount
cons
Limited coverages
Low claims handling score
COMPANY HIGHLIGHTS
State Farm is the best car insurance for seniors in New Hampshire. It’s the most affordable insurance provider out of the nine companies in MoneyGeek’s study, with an annual premium of $500 for full coverage. It also provides a discount to seniors and retired policyholders.
This insurance company provides the most common coverage tiers, such as rideshare insurance and roadside assistance. Roadside assistance coverage benefits senior drivers. It pays for mechanical labor for up to an hour, towing, delivery of gas, oil, battery, or change of tire, and locksmith labor for up to an hour to unlock a covered car. However, it doesn't cover the cost of the delivered items.
State Farm’s identity theft coverage protects policyholders and their household members against fraud and identity theft. The Theft Expense Reimbursement add-on pays up to $25,000 for expenses incurred due to identity theft.
What Makes an Insurer the Best for Seniors?
The best car insurance companies for seniors offer affordable rates with senior discounts and coverage options such as roadside assistance. Seniors may also benefit from companies that provide easy-to-use websites or mobile apps and excellent customer service.
Good insurance providers for seniors must have full coverage policies and personal injury protection (PIP). PIP covers your medical expenses in case something happens.
State Farm offers PIP, the cheapest full coverage insurance for seniors in New Hampshire, relevant coverages and a senior discount.
Best Car Insurance in New Hampshire for Drivers With Offenses
State Farm is the best and most affordable insurance in New Hampshire for drivers with a speeding ticket, at-fault accident, or DUI. Here are our top recommendations:
- State Farm: MoneyGeek score of 90 out of 100 ($782 per year)
- Nationwide: MoneyGeek score of 88 out of 100 ($1,111 per year)
The average rate in the state for drivers with clean records is $700. That amount increases to $984 after a speeding ticket, $1,210 after an at-fault accident, and $1,588 after a DUI.

pros
Most affordable option
High customer satisfaction score
cons
Limited coverages
COMPANY HIGHLIGHTS
State Farm offers the best insurance policy for New Hampshire drivers with offenses. Policyholders can expect low costs and excellent customer service from this insurer. However, coverage options from this insurer are minimal. It doesn’t offer gap insurance or at-fault accident coverage.
On the other hand, State Farm offers drivers various that can further reduce their insurance premiums. These include a discount for completing a defensive driving course and having airbags, daytime running lights, anti-lock brakes and anti-theft systems. You also get a discount for having a new car, insuring more than one car, and bundling policies.
If your car breaks down, roadside assistance coverage pays for the cost of mechanical labor, towing to the nearest repair place, delivery of gas, oil, battery, or tire change, and locksmith labor. This coverage does not include the cost of the delivered items.
What Makes an Insurer the Best for Drivers With Offenses?
When it comes to drivers with violations, a good car insurance company should offer competitive rates and discounts. Drivers with offenses should look for companies that offer accident forgiveness or similar programs that can help reduce the impact of previous violations on their premiums.
Although State Farm doesn’t provide accident forgiveness, it’s the cheapest car insurance for high-risk drivers and offers many discount options.
Best Car Insurance in New Hampshire for Drivers With New Cars
Allstate is the best insurance company for New Hampshire drivers with new cars. It is the only insurer in the state that offers new or better car replacement coverage, so the only one we recommend.
- Allstate: MoneyGeek score of 86 out of 100 ($1,206 per year)
With new car replacement coverage, your insurance provider will pay for a brand-new car of the same make and model if yours is totaled. Better car replacement coverage means you’ll get a car newer than your current one.

pros
High affordability rating
New car replacement coverage
Custom parts coverage
Gap insurance
New car discount
cons
Low claims management score
COMPANY HIGHLIGHTS
Allstate is the best car insurance for drivers with new cars in New Hampshire. If your car is two model years old or less and is totaled, the company’s new car replacement coverage pays for a new car of the same model. The gap insurance add-on covers the difference between your car's worth and what you still owe on your loan or lease.
Custom parts coverage, a rare offering, covers the loss of custom equipment like wheels, carpeting and graphics. Allstate's accident forgiveness coverage would be another optional add-on that prevents rates from increasing after an accident, even if it was the policyholder's fault.
In addition, State Farm provides discounts to further lower premiums, including a discount for having a new car. Other discounts include bundling, responsible payment, paperless billing, early signing, automatic payments and anti-lock brakes.
What Makes an Insurer the Best for Drivers With New Cars?
New Hampshire drivers with new cars should choose insurance companies that offer new car replacement coverage. This means that if a new car is totaled within a certain period, usually one to two years, the insurance company will replace it with a new one rather than simply paying the depreciated value. Some companies also offer better replacement coverages for new cars, including upgrading to a higher trim level or newer model year.
Allstate provides new car replacement coverage with affordable fees and various discounts.
Best Car Insurance in New Hampshire for Military Drivers
The best car insurance in New Hampshire for military drivers is USAA. It scored high in customer service and affordability, with a full coverage annual premium of $459.
Here are our top picks:
- USAA: MoneyGeek score of 94 out of 100 ($459 per year)
- State Farm: MoneyGeek score of 89 out of 100 ($540 per year)
USAA only offers insurance to current and former military members and their families. It ranks as the top insurance provider in this category in most states.

pros
Top score for customer satisfaction
Most affordable
Accident forgiveness
Various discounts available
cons
Limited coverages
Low score for claims satisfaction
COMPANY HIGHLIGHTS
USAA is the best insurance provider for military drivers in New Hampshire. It scored high in affordability, customer satisfaction and financial stability and costs $459 annually. You qualify for the military discount when parking your car on base, which can save as much as 60%.
If you purchase the accident forgiveness add-on and remain accident-free for five years, USAA won’t increase your premium after your first at-fault accident. Policyholders can also add roadside assistance and rental car/travel reimbursement coverages.
In addition to its military discount, USAA offers discounts for taking a driver safety course, insuring more than one car, being a loyal customer, bundling policies and having a new vehicle.
How to Find the Best Car Insurance in New Hampshire for You
The best car insurance should balance affordability, financial stability and excellent customer service. MoneyGeek collected data and quotes to help you find the most suitable insurer that fits your unique profile and preferences.
Here are some basic steps to follow if you want to conduct your own additional research:
Research customer service reputations in New Hampshire
MoneyGeek analyzed the customer service ratings of the top insurance companies in New Hampshire. We utilized data from the J.D. Power and the NAIC customer complaint index.
These independent and reputable agencies provide information about an insurer’s service record. To learn more, visit the New Hampshire Department of Insurance website.
Compare quotes
The quotes MoneyGeek utilized demonstrate the average rates for sample drivers in New Hampshire. But your rates may differ depending on your driver profile and what car model you own.
Gathering personalized quotes from at least three insurance companies will provide insight into how much insurance costs in your area. Having quotes will also help you determine the insurance company that best suits your profile.
Find the coverages you want in New Hampshire
Insurance companies offer state-specific coverages and discounts. Generally, these are advertised and promoted on their websites. Before deciding on a specific insurer, confirm with the company that the offerings on its website apply to your location.
Check financial stability ratings
An insurer’s financial stability rating can indicate how promptly it fulfills its obligations to policyholders who file a claim. Most insurance companies are solid and able to pay claims. Still, review an insurer’s financial details, especially if you’re planning to purchase from a regional insurance provider or a smaller insurance company.
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in New Hampshire
The best car insurance in New Hampshire depends on your unique profile and preferences. MoneyGeek responds to the most commonly asked questions to help you decide.
About Mark Fitzpatrick
