MMG Insurance offers New Hampshire's lowest rates, with minimum coverage at $30 monthly and full coverage at $58 monthly. This saves drivers $20 each month, or 31% below average rates. Get quotes from GEICO, Mapfre, Vermont Mutual and Safety Insurance too.
Cheapest Car Insurance in New Hampshire
Updated: August 18, 2025
Advertising & Editorial Disclosure
Key Takeaways
MMG Insurance, GEICO and Mapfre Insurance are the cheapest car insurance companies in New Hampshire, with MMG Insurance offering rates 31% below average.
Car insurance costs in New Hampshire start at $27 monthly for minimum coverage policies and $55 for full coverage on average.
To find affordable car insurance in New Hampshire, research rates from top companies and compare multiple provider quotes while looking for available discounts.
Who Has the Cheapest Car Insurance in New Hampshire?
| MMG Insurance | $30 | $58 | -31% |
| Geico | $33 | $61 | -27% |
| Mapfre Insurance | $32 | $70 | -21% |
| Vermont Mutual Insurance | $32 | $72 | -19% |
| Safety Insurance | $33 | $74 | -17% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
Best Car Insurance Rates by Category in New Hampshire
MMG Insurance offers the cheapest rates in four out of our 10 driver categories, including coverage for young drivers and those with low income, while Vermont Mutual provides the most affordable rates in two categories. Find your specific rates in the table:
| Young Drivers | MMG Insurance | $90 |
| Adult Drivers | MMG Insurance | $32 |
| Senior Drivers | Vermont Mutual Insurance | $37 |
| Drivers With An Accident | Vermont Mutual Insurance | $32 |
| Drivers With A DUI | Progressive | $58 |
| Drivers With A Speeding Ticket | Safety Insurance | $33 |
| Drivers With Bad Credit | Mapfre Insurance | $45 |
| Drivers With Low Income | MMG Insurance | $34 |
| Drivers With Newer Cars | Geico | $38 |
| Drivers With Old Cars | MMG Insurance | $26 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in New Hampshire for You
The tables above show overall winners, but your cheapest option depends on your situation. Adult drivers with poor credit and an accident record who want 100/300/100 full coverage with a $1,000 deductible save most with Mapfre Insurance. Filter the table to match your profile:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Mapfre Insurance | $97 | $1,164 | -66% |
| MMG Insurance | $116 | $1,387 | -60% |
| Vermont Mutual Insurance | $119 | $1,430 | -59% |
| Safety Insurance | $210 | $2,521 | -27% |
| Auto Owners | $269 | $3,223 | -7% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in New Hampshire by City
Where you live in New Hampshire affects your rates based on local crime, accidents and traffic density. Safety Insurance charges as little as $27 in Bretton Woods but GEICO costs $42 in Manchester. Here are the cheapest providers for every New Hampshire city:
Data filtered by:Results filtered by:
Select
City:Acworth
| Acworth | MMG Insurance | $30 | -30% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
How to Get the Cheapest Car Insurance in New Hampshire
Finding the cheapest provider is just one piece of the puzzle when looking for coverage in New Hampshire. Here are proven ways to save the most on auto insurance:
- 1
Compare Multiple Insurance Providers
Get quotes from several insurance companies through different channels, including independent agents, comparison sites and directly from providers. Your rates can vary significantly between companies, so comparing at least three options helps you find the best deal.
- 2
Determine Your Coverage Needs
Know what coverage you need before shopping to avoid paying for unnecessary add-ons while ensuring you have enough financial protection. Understanding your state's minimum requirements and your personal assets helps you choose the right coverage levels.
- 3
Consider Lower Coverage Amounts
Reducing your coverage levels and raising deductibles can lower your premium costs. But first evaluate your financial situation, driving habits and where you live to ensure you can handle higher out-of-pocket costs if needed.
- 4
Research Costs and Discounts
Look up average auto insurance costs for drivers like you to understand typical rates. Check for discounts you qualify for and compare home and auto insurance bundle prices to maximize your savings.
- 5
Look Into Alternative Insurance Options
Traditional policies aren't your only choice. Pay-per-mile car insurance bases rates on your driving habits, while telematics programs track your behavior to offer potential discounts. Check if your car manufacturer offers special insurance programs too.
- 6
Work on Your Risk Profile
Better credit scores and safe driving habits lead to lower insurance rates. Focus on improving these factors to reduce your premiums over time.
- 7
Choose a Cost-Effective Vehicle
If you're buying a car, pick a cheaper car to insure to save on coverage. Older, reliable vehicles typically cost less to repair and insure than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in New Hampshire
New Hampshire requires drivers to carry liability insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In New Hampshire, average property damage claims hit $4,800, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
New Hampshire gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $5,200 per incident. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against floods, storms and fallen trees that frequently hit New Hampshire.
Bodily injury damage is more likely to be higher than the minimum limits
New Hampshire's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. The Insurance Information Institute reports average bodily injury claims in New Hampshire reached $23,900. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
New Hampshire has a serious uninsured driver problem, with 9.9% of drivers lacking insurance according to the Insurance Research Council. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in New Hampshire, which reported a 30% increase in auto thefts according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in New Hampshire: Bottom Line
MMG Insurance offers the lowest car insurance rates in New Hampshire for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in New Hampshire: FAQ
Below, we answer common questions about finding affordable car insurance coverage in New Hampshire.
What are the cheapest car insurance companies in New Hampshire?
MMG Insurance provides New Hampshire's most affordable car insurance, averaging $366 annually for minimum coverage and $696 for full coverage. GEICO, Mapfre Insurance, Vermont Mutual and Safety Insurance also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in New Hampshire?
MMG Insurance provides the most affordable rates for young drivers in New Hampshire, with monthly premiums starting at $90 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in New Hampshire?
Senior drivers in New Hampshire can find the most competitive rates with Vermont Mutual, offering policies for those 65 and older at an average of $37 per month for minimum coverage.
Who has the cheapest car insurance in New Hampshire for bad credit?
Mapfre provides the most affordable rates for bad-credit drivers in New Hampshire, with monthly premiums averaging $45 for minimum coverage and $98 for full coverage.
Who has the cheapest car insurance in New Hampshire with an accident?
Vermont Mutual offers the most affordable car insurance rates for New Hampshire drivers with an accident history, starting at $32 per month for minimum coverage.
Who has the cheapest car insurance in New Hampshire with a DUI?
Progressive provides the cheapest car insurance after a DUI in New Hampshire, with rates of $58 monthly for minimum coverage and $90 monthly for full coverage.
Who has the cheapest car insurance in New Hampshire for those with a speeding ticket?
New Hampshire drivers with a speeding ticket can find the lowest insurance rates with Safety Insurance, charging $33 monthly for minimum coverage and $74 for full coverage.
Should you buy the cheapest car insurance in New Hampshire?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. MMG Insurance balances low prices with solid coverage options in New Hampshire.
How We Found the Most Affordable Car Insurance in New Hampshire
MoneyGeek collected auto insurance data from the New Hampshire Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in New Hampshire.
New Hampshire Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in New Hampshire
We compared car insurance companies in New Hampshire that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in New Hampshire.
The minimum coverage liability limits in New Hampshire are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 20, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 20, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 20, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 20, 2025.