The Best Car Insurance in New Hampshire









MoneyGeek also assessed New Hampshire’s cheapest car insurance companies if you want to find affordable options regardless of service quality.
Best Full Coverage Car Insurance Companies in New Hampshire: Overall
Overall, the two leading auto insurance companies in New Hampshire are the following:
- GEICO: MoneyGeek score of 83 out of 100 ($654 per year)
- State Farm: MoneyGeek score of 81 out of 100 ($707 per year)
We excluded USAA from this analysis despite scoring a perfect 100 out of 100 because its policies are available only to those with military backgrounds and their families. Still, it’s the best car insurance in New Hampshire for active-duty military personnel and veterans.
MoneyGeek reviewed the top car insurance providers in New Hampshire based on average rates, claim ratings and user satisfaction. For those trying to save money, MoneyGeek also reviewed the cheapest full coverage auto insurance in New Hampshire.
THE TOP CAR INSURANCE COMPANIES IN NEW HAMPSHIRE

GEICO ranked second for affordability and tied for first for customer satisfaction and financial stability. It also tied for second for claims. GEICO offers mechanical breakdown insurance (MBI) as an add-on.
Average Annual Cost: $654
GEICO’s mechanical breakdown insurance offers improved coverage at lower rates than a typical dealer’s extended warranty. In addition, this add-on coverage protects all parts and systems rather than the specified list of items covered by a dealer’s warranty.
Customers with GEICO can also purchase accident forgiveness coverage. Your insurance rate won't increase if you have this coverage after your first at-fault accident. You can purchase this coverage or earn it if you are over 21 and haven't been in an accident in at least five years.
You can also purchase rental car and travel expense coverage from GEICO. After a covered accident, if your automobile can't be driven for more than 24 hours, you may be eligible for compensation to cover certain costs, including hotel, transportation and meals.

State Farm tied for first for satisfaction and financial stability and second for claims. It ranks third for affordability. The insurer offers rideshare insurance coverage as an add-on.
Average Annual Cost: $707
When working for a ridesharing operator, State Farm's rideshare insurance makes sure that your policy's provisions for medical, emergency roadside assistance and rental car reimbursement continue to be valid. Until you match with a potential rider, all of State Farm's rideshare insurance coverages, with the exception of liability insurance, are still in effect.
If you choose ridesharing coverage, your State Farm cost will typically increase by 15 to 20%, depending on your insurance limits, available discounts and other variables. Additionally, you may purchase roadside assistance, which will cover the cost of repairs, towing, locksmith services and the supply of fuel or a battery should you become stranded on the road.

With an average premium of $593 annually, Progressive typically offers New Hampshire’s most affordable car insurance. It’s tied for second for satisfaction and financial stability but ranks last out of six comparison companies for claims. Policyholders can opt for custom parts coverage as an add-on.
Progressive offers custom parts and equipment coverage that repairs or replaces items you added to your car, such as a stereo, navigation system, custom wheels or a paint job. Progressive also offers a deductible savings bank, which subtracts $50 from your policy’s comprehensive or collision deductible for every six-month auto policy period you go without an accident or violation.

Allstate is tied for first for claims and customer satisfaction and comes in fifth in terms of affordability at $924 per year. Allstate offers portable electronics and media coverage as an add-on.
Allstate offers add-on coverage for the loss of portable electronics and media devices used in your car’s sound system. For that coverage to be in effect, you need to have comprehensive coverage — but it applies to your property and that of a resident relative. Allstate also offers optional coverage for the loss of custom equipment such as special carpeting, bars, height-extending roofs and more.

Nationwide is tied for first for claims and ranks second for financial stability and customer satisfaction. At an average of $888 per year, it ranks fourth in terms of affordability. The company offers identity theft coverage as an add-on.
Nationwide offers identity theft coverage that reimburses up to $25,000 if you or anyone in your household becomes a victim of identity theft or fraud. Another add-on Nationwide offers is gap insurance. If your car is totaled, this covers the difference between the actual cash value of your car and what you owe on your lease or loan.
MoneyGeek collated various full coverage policy quotes for a sample driver when determining New Hampshire’s best car insurance. We also gathered claims ratings and user satisfaction scores from J.D. Power and the National Association of Insurance Commissioners (NAIC). Your profile and other factors will affect your final rate, and you may find it differs from those quoted here. The sample driver, policy and assumptions we used can be found on MoneyGeek’s methodology page.
MoneyGeek's New Hampshire Car Insurance Resources:
Best Car Insurance in New Hampshire for Customer Service
Without considering cost, these auto insurance companies provide the best customer service in New Hampshire:
- Allstate: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 87 out of 100
MoneyGeek identified New Hampshire’s top car insurance providers based on claims ratings and user satisfaction.
THE TOP TWO CAR INSURANCE COMPANIES IN NEW HAMPSHIRE FOR SERVICE QUALITY

Allstate is tied for first for claims and customer satisfaction, with a score of 4.5 out of 5 on both metrics.
Allstate plans can include many common add-on coverages like roadside assistance, rental car reimbursement, accident forgiveness, new car replacement, gap insurance and deductible adjustment. Ridesharing insurance is available as well.
You can acquire coverage for the cost of replacing any aftermarket equipment that has been stolen or damaged with the custom parts coverage add-on from Allstate. Included in this are graphic decals, murals, height-expanding roofs, height-expanding rugs, unique carpets and bars. You are also protected against the expense of losing any CDs or other goods used with your car's entertainment system with the company's portable electronics and media coverage.

GEICO is tied for first in satisfaction and second in claims, scoring 4.5 and 4, respectively. Additionally, GEICO is New Hampshire’s second cheapest provider, which means you get quality customer service for an affordable price.
Policyholders with vehicles under 15 months old and with fewer than 15,000 miles may get mechanical breakdown insurance (MBI) from GEICO. Compared to a standard dealer’s extended warranty, this special add-on offers better protection for less money. All systems and parts are covered, not just the specified items covered by a warranty.
You can also purchase rental car and travel expense coverage from GEICO. After a covered accident, if your automobile can't be driven for more than 24 hours, you may be eligible for compensation to cover certain costs, including hotel, transportation and meals. GEICO also offers coverage for roadside assistance in the event of a vehicle emergency, including towing, jump starts, lockout services and more.
Best Car Insurance in New Hampshire for Minimum Coverage
If you're looking for a minimum coverage car insurance policy in New Hampshire, MoneyGeek's ratings can help you find the best deals. That said, the top car insurance providers in New Hampshire for drivers on a budget are:
- GEICO: MoneyGeek score of 84 out of 100 ($330 per year)
- State Farm: MoneyGeek score of 81 out of 100 ($372 per year)
MoneyGeek collected minimum car insurance rates for New Hampshire drivers. We ranked offers based on their affordability and the company’s customer service. MoneyGeek also examined the cheapest minimum coverage auto insurance companies in New Hampshire for those who prioritize cost-efficiency.
MoneyGeek’s Pick: GEICO

pros
An affordable minimum coverage policy at $330 per year.
Bundle your car insurance with your home insurance to get a discount.
Have an airbag and anti-lock brakes on your vehicle to get a discount.
MoneyGeek claims rating of 4 out of 5.
MoneyGeek user satisfaction score of 4.5 out of 5.
cons
No discounts on paperless billing and full payments.
COMPANY HIGHLIGHTS
GEICO car insurance policyholders in the state of New Hampshire are qualified for a number of discounts. These opportunities for savings include the multiple car, safe driver and bundling discounts. This means that you can get discounts by insuring more than one car, maintaining an accident-free driving record for at least five years or combining your car insurance with other types of insurance.
The value of safety and security features is also highly emphasized by GEICO. If a policyholder's car has anti-lock brakes, airbags or an anti-theft system, they can be eligible for discounts on their auto insurance premium. Likewise, installing daytime running lights in your car can qualify you for sizable savings.
Best Car Insurance in New Hampshire for Young Drivers and Students
MoneyGeek's analysis for this area included rates for those who are in their late teens or early 20s, as well as those who are enrolled in high school or college. New Hampshire’s top car insurance companies for young drivers are:
- Progressive: MoneyGeek score of 84 out of 100
- Allstate: MoneyGeek score of 82 out of 100
MoneyGeek evaluated the best auto insurance companies for young drivers and students. We ranked companies based on their affordability and customer service rating. MoneyGeek also looked at the most affordable auto insurance in New Hampshire for young drivers and college students.
MoneyGeek’s Pick: Progressive

pros
One of the most affordable companies for young drivers at $1,338 per year.
Offers distant student and good student discounts.
User satisfaction score of 4 out of 5.
cons
Does not offer driver’s education discount.
Claims satisfaction score of 3.5 out of 5.
COMPANY HIGHLIGHTS
Car insurance is expensive for younger drivers due to their driving inexperience. Fortunately, Progressive provides moderately priced auto insurance policies for young drivers and students while offering outstanding customer service. Remember that it is helpful that your insurer has good customer support since younger drivers may have to contact their insurance companies more often, making the process less stressful for them.
Apart from good customer service, Progressive also provides saving opportunities for students. It offers a discount if the student is studying more than 100 miles from home and doesn’t have a vehicle at school. They also provide a good student discount if the insured student maintains a B average or better.
Best Car Insurance in New Hampshire for Seniors
Based on their cost and track records for providing excellent customer service, MoneyGeek evaluated the best insurance companies for seniors in New Hampshire. These are:
- GEICO: MoneyGeek score of 90 out of 100 ($647 per year)
- State Farm: MoneyGeek score of 88 out of 100 ($695 per year)
To obtain the given scores, MoneyGeek balanced the cost and customer service aspects of the companies. We also found the cheapest auto insurance in New Hampshire for seniors for those who were more concerned with cost.
MoneyGeek’s Pick: GEICO

pros
One of the most affordable companies for seniors averaging $647 per year
Offers roadside assistance, reimbursement for rental cars and accident forgiveness
Offers senior discounts and a discount for defensive driving
MoneyGeek claims score of 4 out of 5
Perfect MoneyGeek user satisfaction score
cons
Does not offer common discounts for paying in full or going paperless
COMPANY HIGHLIGHTS
Even though senior car insurance rates are typically more expensive, GEICO offers affordable premiums and top-notch service. If drivers suffer a flat tire or lock themselves out of their car and are stranded, seniors can benefit from the company's roadside assistance. If a covered accident renders a senior driver's vehicle inoperable for longer than 24 hours, GEICO's rental car reimbursement coverage will reimburse them for the cost of renting a car.
Additionally, GEICO provides senior drivers with the chance to lower their premiums. The company offers drivers over 50 years old a discount. Seniors who successfully finish a defensive driving course can also qualify for further discounts.
Best Car Insurance in New Hampshire for Bad Driving Records
Our analysis reveals that the top auto insurance providers in New Hampshire for drivers with at-fault records are:
- GEICO: MoneyGeek score of 85 out of 100 (average rate of $854)
- State Farm: MoneyGeek score of 84 out of 100 (average rate of $901)
MoneyGeek evaluated New Hampshire’s best car insurance companies for drivers with at-fault driving records. We rated policies based on their affordability and the insurer’s customer service. If you want to save money, MoneyGeek also looked at the cheapest auto insurance in New Hampshire for people with DUIs or tickets.
MoneyGeek’s Pick: GEICO

pros
An affordable full coverage policy for drivers with poor driving records at $854 per year.
Offers roadside assistance, rental car reimbursement and accident forgiveness coverage.
MoneyGeek claims rating of 4 out of 5.
MoneyGeek customer satisfaction score of 4.5 out of 5.
cons
Does not offer new car replacement or better car replacement coverage.
COMPANY HIGHLIGHTS
GEICO is New Hampshire’s top car insurance company for drivers with poor driving records. It’s affordable at an average of $854 per year, and they are known to deliver high-quality customer service. MoneyGeek rated GEICO a 4 out of 5 on claims and a 4.5 on satisfaction.
GEICO offers the following add-on coverages:
- Roadside Assistance: Reimburses the cost of flat tires, towing, jump starts and lockout services.
- Rental Car Reimbursement: This covers up to a preset amount for a rental vehicle if your car becomes undrivable for more than 24 hours because of a covered accident.
- Accident Forgiveness: Stops your insurance rates from going up after your first at-fault accident. You can have it for free if you’re over 21 and have been accident-free for more than five years. Otherwise, you can purchase this coverage.
Best Car Insurance in New Hampshire for a Military Background
MoneyGeek’s scoring system reveals that USAA is one of the top car insurance providers in New Hampshire. We gave it a MoneyGeek score of 100 out of 100 — perfect across all metrics and way higher than GEICO and State Farm, which scored 83 and 81 out of 100, respectively.
USAA excels in affordability, customer service and claims satisfaction. However, it’s only available to current and retired military personnel and their families.
MoneyGeek’s Pick: USAA
pros
An affordable full coverage policy for military drivers at $435 per year.
Offers rideshare gap coverage.
Offers discount for cars 3 years old or newer.
Claims rating score of 5 out of 5.
User satisfaction score of 5 out of 5.
cons
Only military families are eligible for a policy.
COMPANY HIGHLIGHTS
USAA provides the most affordable policies and the best customer service in New Hampshire. It has one of the best reputations among insurers across the nation.
Here are some of USAA’s coverages and discounts:
- Accident Forgiveness: After five years of accident-free driving with USAA, the first accident in which you were at fault will not be subject to a surcharge on your auto policy.
- Roadside Assistance: Reimburses expenses for towing, unlocking your vehicle, jump-starting batteries, changing a flat tire and delivering gasoline.
- Military Discount: If you store your vehicle on a military base, you can receive a discount.
- Mileage Discount: Get a discount based on your driving mileage per year.
Best Car Insurance in New Hampshire for Those With New Cars
MoneyGeek’s research reveals that the top auto insurance company in New Hampshire for drivers with new cars is Allstate, with an overall score of 75 out of 100. To get this ranking, MoneyGeek evaluated car insurance companies in New Hampshire that offer new car replacement coverage.
New car replacement insurance will replace your car with a brand new one if you total your insured vehicle. Better car replacement will replace your car with a more recent model. Note that these coverages are add-ons, so you’ll have to pay more to have them on your policy.
MoneyGeek’s Pick: Allstate

pros
It’s an affordable policy at $924 per year.
Offers new car replacement.
Claims rating of 4.5 out of 5.
Customer satisfaction rating of 4.5 out of 5.
cons
Does not offer better car replacement coverage.
COMPANY HIGHLIGHTS
A car’s value depreciates as soon as it’s driven off the lot. New car drivers may consider buying car insurance from Allstate since they offer new car replacement coverage as an add-on. Allstate’s new car replacement coverage pays for the cost of a new car if you’re unlucky enough to have an accident soon after buying your car. You won’t be compensated just for the depreciated value, either. If your car is two model years old or less, it will be replaced with a new model.
However, Allstate does not offer better car replacement coverage.
Best Car Insurance in New Hampshire for Low-Mileage Drivers
MoneyGeek’s research shows that Nationwide SmartMiles is the best pay-per-mile program in New Hampshire. More insurance companies are offering pay-per-mile insurance nowadays. The rate for this type of car insurance depends on the number of miles you drive.
MoneyGeek’s Pick: Nationwide

pros
Offers affordable car insurance rates for low-mileage drivers.
Claims rating of 4.5 out of 5.
Satisfaction score of 4 out of 5.
cons
Can be more expensive compared to a standard auto insurance policy if you drive regularly.
COMPANY HIGHLIGHTS
Nationwide provides a good option for low-mileage drivers through Nationwide SmartMiles. It’s a pay-per-mile car insurance policy that charges a base rate and a variable rate depending on how many miles you drive. SmartMiles counts the number of miles driven, as well as the amount of time spent in traffic and driving at night via a monitoring device, in-car connectivity or an application. It can only lower your rates; it cannot raise them.
Drivers who sign up for the SmartMiles program automatically earn a 10% discount on their car insurance premiums, and Nationwide advertises savings of up to 40% for careful driving. They also offer an exception for road trips and only count the first 250 miles in a single day.
How to Find the Best Car Insurance in New Hampshire For You
If you’re looking for the best car insurance providers in New Hampshire, you want to find an insurer that balances affordability, service reputation, and financial stability.
MoneyGeek has collated various information to help you in this process. You can also evaluate car insurance information on your own.
Research customer service reputations in New Hampshire
MoneyGeek collected the customer service reputation of various car insurance providers in New Hampshire. You can do the same by looking up a company’s J.D. Power satisfaction scores and NAIC complaint ratios. Additionally, you can visit the New Hampshire Insurance Department for more information.
Compare quotes for yourself
MoneyGeek collected quotes on this guide for a sample driver profile. You can get quotes directly from insurance providers to accurately assess your auto insurance rates. Get at least three quotes and then compare the car insurance offers to secure the best rate.
Make sure the company has coverages you want in New Hampshire
Carefully study advertisements from insurers. Sometimes, they present coverages and discounts that may not be available in your state. Verify with the insurance provider first if the features you want can be included in your policy.
Double-check financial stability ratings
Check the financial stability of your preferred insurance company since that can affect their ability to pay out claims and provide services. Larger providers tend to be more stable compared to regional providers.
FAQs About the Best Car Insurance in New Hampshire
The best auto insurance policy in New Hampshire is one that suits your needs, interests and budget. To help you decide, MoneyGeek answered some frequently asked questions about car insurance in the state.
About Mark Fitzpatrick
