The Best Car Insurance in New Hampshire for 2022

The best car insurance providers balance customer satisfaction, affordability and financial stability. In New Hampshire, the top car insurance company is GEICO, which ranks second for affordability and is tied first for satisfaction and second for claims.

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Last Updated: 5/13/2022
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To help you find the right car insurance provider for you, MoneyGeek broke down the best options per category. Overall, GEICO is the best auto insurance company in New Hampshire, but depending on your profile, other providers may present offers that better fit your needs and interests.

MoneyGeek also assessed New Hampshire’s cheapest car insurance companies if you want to find affordable options regardless of service quality.

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The Best Car Insurance in New Hampshire

Best Car Insurance Companies in New Hampshire: Overall

MoneyGeek reviewed top car insurance providers in New Hampshire based on average rates, claim ratings and user satisfaction.

Our team found that overall the two leading auto insurance companies are:

  • GEICO: MoneyGeek score of 4.1 out of 5
  • State Farm: MoneyGeek score of 4 out of 5

We excluded USAA from this analysis despite scoring a perfect 5 out of 5 due to its limited availability. Still, it’s the best car insurance in New Hampshire for active-duty military personnel and veterans.

The Top 5 Car Insurance Companies in New Hampshire

1
GEICO
Score:4.1

3.6/5

Affordability

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

At $654 per year, GEICO ranked second for affordability and tied first for customer satisfaction and financial stability. It also tied second for claims. GEICO offers mechanical breakdown insurance (MBI) as an add-on.

More About GEICO

GEICO offers an MBI that covers all of your car’s parts and systems as an add-on. For a cheaper price, you get better coverage compared to a typical dealer extended warranty. Additionally, GEICO provides accident forgiveness coverage, which ensures your first at-fault accident won’t increase your car insurance rates.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:4

3.3/5

Affordability

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm tied first for satisfaction and financial stability, and second for claims. With an annual rate of $707, it ranks third for affordability. The insurer offers rideshare insurance coverage as an add-on.

More About State Farm

State Farm offers rideshare insurance as an add-on. If you’re a rideshare driver, this coverage protects you when your app is on and you’re available for hire. Additionally, State Farm offers rental car reimbursement of up to $500 worth of car rental and travel expenses and up to $500 repayment of your deductible if you are responsible for an accident in your rental car.

Read MoneyGeek's State Farm auto Insurance Review
3
Progressive
Score:3.9

4/5

Affordability

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

With a premium of $593 annually, Progressive offers New Hampshire’s most affordable car insurance. It’s tied second for satisfaction and financial stability, and ranks last out of six comparison companies for claims. Policyholders can opt for custom parts coverage as an add-on.

More About Progressive

Progressive offers custom parts and equipment coverage that repairs or replaces items you added to your car, such as 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.

Read MoneyGeek's Progressive auto Insurance Review
4
Allstate
Score:3.7

1.9/5

Affordability

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate is tied 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.

More About Allstate

Allstate offers add-ib 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.

Read MoneyGeek's Allstate auto Insurance Review
5
Nationwide
Score:3.6

2.2/5

Affordability

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Nationwide is tied first for claims, second for financial stability and customer satisfaction. At $888 per year, it ranks fourth in terms of affordability. The company offers identity theft coverage as an add-on.

More About Nationwide

Nationwide offers identity theft coverage that reimburses up to $25,000 for expenses 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.

Read MoneyGeek's Nationwide auto Insurance Review
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HOW WE DETERMINED THE BEST INSURANCE IN NEW HAMPSHIRE

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:

Compare the Best Insurance Options in New Hampshire

The best car insurance companies in New Hampshire can be determined based on cost, service satisfaction and financial stability. However, factors such as coverages and discounts can help you decide if a policy is right for you.

Use MoneyGeek’s study as you shop around for the best auto insurance providers in New Hampshire. We prepared in-depth reviews and head-to-head comparisons to help you find a policy that meets your needs.

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Best Car Insurance in New Hampshire for Customer Service

MoneyGeek identified New Hampshire’s top car insurance providers based on claims ratings and user satisfaction.

Without considering the cost, these auto insurance companies provide the best customer service:

  • Allstate: MoneyGeek score of 4.5 out of 5
  • GEICO: MoneyGeek score of 4.3 out of 5
The Top 2 Car Insurance Companies in New Hampshire for Service Quality

1
Allstate
Score:4.5

4.5/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate is tied first for claims and customer satisfaction, with a score of 4.5 out of 5 on both metrics.

More About Allstate

In addition to custom parts coverage, Allstate covers damage to a sound system permanently installed in your car. It typically covers antennas or other components that are part of the system. You must have comprehensive coverage to choose this add-on. Ultimately, Allstate’s excellent customer service increases its overall value proposition.

Read MoneyGeek's Allstate auto Insurance Review
2
GEICO
Score:4.3

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO is tied first on satisfaction and second for 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.

More About GEICO

GEICO offers a rental car reimbursement as an add-on to their policy. This covers the expenses for a rental vehicle if your car becomes undrivable for more than 24 hours due to a covered accident. GEICO offers roadside assistance coverage as an add-on too, which pays for the cost of flat tires, towing, jump starts and lockout services.

Read MoneyGeek's GEICO auto Insurance Review

Best Car Insurance in New Hampshire for Drivers on a Budget

MoneyGeek collected the best rates for New Hampshire drivers looking for minimum car insurance policies. We ranked offers based on their affordability and customer service.

New Hampshire’s top car insurance providers for drivers on a budget are:

  • GEICO: MoneyGeek score of 4.2 out of 5
  • State Farm: MoneyGeek score of 4.1 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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An affordable minimum coverage policy at $330 per year.

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Bundle your car insurance with your home insurance to get a discount.

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Have an airbag and anti-lock brakes on your vehicle to get a discount.

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MoneyGeek claims rating of 4 out of 5.

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MoneyGeek user satisfaction score of 4.5 out of 5.

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No discounts on paperless billing and full payments.

COMPANY HIGHLIGHTS

Save on your GEICO car insurance policy by bundling it with your home insurance. You’ll also get a discount if you insure more than one car.

Additionally, you can get a discount on your insurance premiums by installing security features on your car, such as daytime running lights and an anti-theft system.

Best Car Insurance in New Hampshire for Poor Driving Records

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.

Our analysis reveals the top auto insurance providers for drivers with bad records are:

  • GEICO: MoneyGeek score of 4.3 out of 5
  • State Farm: MoneyGeek score of 4.2 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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An affordable full coverage policy for drivers with poor driving records at $854 per year.

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Offers roadside assistance, rental car reimbursement and accident forgiveness coverage.

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MoneyGeek claims rating of 4 out of 5.

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MoneyGeek customer satisfaction score of 4.5 out of 5.

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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 $854 per year, and they are known to deliver high-quality customer service. MoneyGeek rated GEICO a 4 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: 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.

Best Car Insurance in New Hampshire for a Military Background

MoneyGeek’s scoring system reveals USAA is one of the top car insurance providers in New Hampshire. We gave it a perfect 5 out of 5 across all metrics, higher than GEICO and State Farm, which scored 4.1 and 4, 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

USAA

pros

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An affordable full coverage policy for military drivers at $435 per year.

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Offers rideshare gap coverage.

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Offers discount for cars 3 years old or newer.

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Claims rating score of 5 out of 5.

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User satisfaction score of 5 out of 5.

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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 Coverage: If you’re accident-free for five years, your car insurance rates will not increase after your first at-fault accident.
  • Roadside Assistance Coverage: Reimburses expenses for towing, unlocking your vehicle, jump-starting batteries, changing a flat tire, and delivering gasoline.
  • Military Discount: Store your vehicle on a military base to receive a discount.
  • Mileage Discount: Get a discount based on your driving mileage per year.

Best Car Insurance in New Hampshire for Young Drivers and Students

MoneyGeek evaluated the best auto insurance companies for young drivers and students. We ranked companies based on their affordability and customer service rating.

New Hampshire’s top car insurance companies for young drivers are:

  • Progressive: MoneyGeek score of 4.2 out of 5
  • Allstate: MoneyGeek score of 4.1 out of 5

MoneyGeek’s Pick: Progressive

Progressive

pros

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One of the most affordable companies for young drivers at $1,338 per year.

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Offers distant student and good student discounts.

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User satisfaction score of 4 out of 5.

cons

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Does not offer driver’s education discount.

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Claims satisfaction score of 3.5 out of 5.

COMPANY HIGHLIGHTS

Car insurance is expensive for younger drivers due to their driving inexperience. Progressive provides moderately priced auto insurance policies for young drivers and students while offering outstanding customer service. It’s useful when your insurer has good customer support, since younger drivers may have to contact their insurance companies more often.

Progressive also 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 discount if the insured student has a B average or better.

Best Car Insurance in New Hampshire for Those With New Cars

MoneyGeek evaluated car insurance companies in New Hampshire that offer new car coverage.

New car replacement insurance will replace your car with a brand new one in the event 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 study reveals that the top auto insurance company in New Hampshire for drivers with new cars is Allstate, with an overall score of 3.7 out of 5.

MoneyGeek’s Pick: Allstate

Allstate

pros

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It’s an affordable policy at $924 per year.

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Offers new car replacement.

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Claims rating of 4.5 out of 5.

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Customer satisfaction rating of 4.5 out of 5.

cons

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Does not offer better car replacement coverage.

COMPANY HIGHLIGHTS

A car’s value greatly 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.

Best Car Insurance in New Hampshire for Low-Mileage Drivers

Many insurance companies across the country now offer pay-per-mile insurance. It’s a type of car insurance where your rates are based on how many miles you drive. MoneyGeek’s research shows that in New Hampshire, Nationwide SmartMiles is the best pay-per-mile program.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

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Offers affordable car insurance rates for low-mileage drivers.

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Claims rating of 4.5 out of 5.

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Satisfaction score of 4 out of 5.

cons

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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. They also offer an exception for road trips and only count the first 250 miles in a single day. You can also earn up to a 10% discount if you display safe driving practices.

How to Find the Best Car Insurance in New Hampshire in 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.

1

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.

2

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.

3

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.

4

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 perfectly fits your needs, interests and budget. To help you decide, MoneyGeek answered some frequently asked questions about car insurance in the state.

Methodology

MoneyGeek reviewed various car insurance quotes across New Hampshire with the help of Quadrant Information Services. The rates in this guide are for a sample driver and policy as described on our methodology page, unless noted otherwise. Information on coverages and discounts were collected by MoneyGeek from insurers’ websites and/or using their quote tools.

In addition, MoneyGeek used industry-leading evaluations by J.D. Power, AM Best and the National Association of Insurance Commissioners when calculating scores for customer satisfaction, claims satisfaction and financial strength.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.