Hanover offers the cheapest car insurance overall for many different types of drivers. However, the cheapest for you will depend on your personal characteristics. MoneyGeek also found that Vermont Mutual and Progressive have the cheapest rates in New Hampshire for certain types of drivers.
MoneyGeek also ranked the top auto insurance in New Hampshire that combines quality service and cost.
Cheapest Minimum Liability Car Insurance in New Hampshire (September 2023)
On average, the cheapest auto insurance providers in New Hampshire for minimum liability policies are:
- Hanover: $133 per year
- Vermont Mutual: $245 per year
The most expensive minimum coverage option comes from Allstate and costs approximately $617 per year.
New Hampshire’s state minimum auto insurance covers bodily injury liability, property damage, medical payments and uninsured/underinsured motorist coverage.
If you purchase a minimum coverage policy, it will only cover injuries to others and damage to their property. To get protection for your own car, you must purchase comprehensive and collision coverage, also known as full coverage, which costs a bit more but offers better protection.
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Cheapest Full Coverage Car Insurance in New Hampshire (September 2023)
On average, the cheapest providers of full coverage in New Hampshire are:
- Hanover: $479 per year
- Vermont Mutual: $529 per year
The insurance company with the highest premium rate for full coverage is Allstate, at an average of $1,003 per year.
Full coverage policies cost more than minimum coverage since they offer higher protection limits during an accident. In New Hampshire, the cheapest policy from Hanover costs $346 more if you select full coverage vs. minimum coverage.
With full coverage insurance, drivers get protection from on-road and off-road injuries and damages.
Typically, how much car insurance you need will determine your actual rate. Our sample driver had the following limits for a full coverage policy:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
A lower coverage limit can save you money, but it may not meet all your needs after an accident. Another way to reduce your premiums is by selecting a policy with a high deductible amount or dropping comprehensive and collision coverage.
How to Compare Cheap New Hampshire Car Insurance Quotes Online
Although you can obtain car insurance quotes from most company websites, the process may take up to 15 minutes per insurer, translating to hours for those who have to compare rates from multiple insurers. You will have to provide personal information and wait to receive the quote.
Fortunately, MoneyGeek has an auto insurance calculator that allows you to compare quotes from all insurers easily. The following calculator provides estimates based on essential factors like gender, driving record and credit score. It gives you a starting point to find the cheapest car insurance.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
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Click an insurer below to visit their review page or continue to your personalized quote.
Cheapest Car Insurance in New Hampshire by Age (September 2023)
Age is one of the biggest factors affecting car insurance rates in New Hampshire. MoneyGeek found that Concord Group or Hanover offer the cheapest options, depending on what age group you and your family belong to.
Cheapest for teens: Concord Group
Cheapest for young adults: Hanover
Cheapest for seniors: Concord Group
Cheapest Car Insurance in New Hampshire for Teens and Their Families (September 2023)
According to MoneyGeek, the lowest average auto insurance rates in New Hampshire if you have a teen driver on your policy come from:
- Concord Group: $1,078 per year for male teens and $1,029 per year for female teens
- Nationwide: $1,409 per year for male teens and $1,219 per year for female teens
The most expensive provider for teen drivers on their parent’s policy is Progressive, which costs approximately $2,802 for females and $3,093 for males.
There's a significant difference in the car insurance rates of 16- and 19-year-old drivers because their rates decrease with age. In New Hampshire, the provider with the lowest rate for a 19-year-old male is Concord Group ($913).
Ultimately, it is cheaper to add teen drivers to their parents' policies than to purchase a separate policy. For example, coverage for families with a male teen costs $1,858 per year in New Hampshire, whereas an individual policy for a teen driver costs $3,807. This is a difference of approximately $1,949.
On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.
Despite the high cost of coverage for policies with teen drivers, parents can still lower their premiums by taking advantage of discounts offered to young drivers. Allstate, Progressive and State Farm offer distant student and good student discounts. Nationwide and GEICO both have good student discounts.
Cheapest Car Insurance in New Hampshire for Young Adults (September 2023)
On average, the most affordable auto insurance in New Hampshire for full coverage if you are in your 20s are:
- Hanover: $800 per year
- Concord Group: $825 per year
The insurance carrier with the most pricey policy for young adults is MAPFRE. Policies cost about $2,650 per year.
Based on our findings, young drivers in New Hampshire pay $321 more on average for full coverage from Hanover than 40-year-olds. In general, younger drivers pay more for coverage than middle-aged drivers because they are riskier to insure.
Cheapest Car Insurance in New Hampshire for Seniors (September 2023)
For senior drivers, the two cheapest car insurance providers for comprehensive and collision coverage are, on average:
- Concord Group: $582 per year
- Vermont Mutual: $602 per year
At an average of $1,054, Allstate is the most expensive option for 60-year-olds in New Hampshire.
Insurance providers charge different rates for senior drivers than for middle-aged drivers. With Vermont Mutual, you will pay $73 more if you are in your 60s vs. middle-aged drivers. Costs also tend to go up for drivers in their 70s and 80s.
Senior drivers can save on auto insurance through discounts offered by most of the cheapest insurers. Allstate and GEICO offer car insurance discounts to senior drivers in New Hampshire. You can also get the lowest rates by comparing several insurance providers since insurers consider multiple factors when calculating rates.
Cheapest Car Insurance for Higher Risk Drivers (September 2023)
Generally, severe traffic offenses hurt your premiums, so you will pay significantly higher rates than drivers with a clean record. The cheapest car insurance option for a full coverage policy for drivers with a ticket in New Hampshire is Hanover. Vermont Mutual is the cheapest for drivers with an at-fault accident and Progressive for those with a DUI record.
Cheapest after a ticket: Concord Group ($664 per year)
Cheapest after an accident: Vermont Mutual ($636 per year)
Cheapest after a DUI: Progressive ($805 per year)
Cheapest for poor credit: Vermont Mutual ($636 per year)
Cheapest for sports cars: Concord Group ($638 per year)
Cheapest Car Insurance in New Hampshire After a Ticket
In New Hampshire, the providers with the lowest average full coverage car insurance cost for drivers with a speeding ticket are:
- Concord Group: $664 per year
- Safety Group: $679 per year
With an average of $1,121 per year, Allstate has the highest premium if you have a speeding ticket.
Many insurers charge higher premiums for car insurance after a ticket. New Hampshire’s rates for our sample driver spike by $177 after a ticket.
Cheapest Car Insurance in New Hampshire After an Accident
Based on the average car insurance rates for a full coverage policy, the most affordable options in New Hampshire for drivers with at-fault accidents are:
- Vermont Mutual: $636 per year
- MAPFRE: $811 per year
Safety Group has the highest average at $1,348 per year. Our research shows that you might spend as much as $382 more annually for full coverage with an at-fault accident.
Cheapest Car Insurance in New Hampshire After a DUI
On average, the cheapest auto insurance carriers in New Hampshire for a driver with a DUI are:
- Progressive: $805 per year
- MAPFRE: $921 per year
Safety Group is the most expensive option in New Hampshire for drivers with DUIs, at an average of $2,370 annually.
You will pay about $758 more for the cheapest auto insurance in New Hampshire if you have a DUI.
Cheapest Car Insurance in New Hampshire for Drivers With Poor Credit (September 2023)
The cheapest average auto insurance in New Hampshire for those with bad credit is from:
- Vermont Mutual: $636 per year
- Hanover: $678 per year
The costliest coverage for drivers with bad credit is State Farm, at an average of $1,897 per year.
With a good credit score of above 750, you can secure the lowest rates from insurance providers. A bad credit score, usually below 580, indicates that you are more likely to file a claim. Based on our sample profile, you will pay up to $328 more in New Hampshire if you have a poor credit score.
Individuals with poor credit scores tend to file claims more often and are likely to pay higher premiums for car insurance. Although this isn’t allowed in all states, it is in New Hampshire. To get the best rates, improve your credit score. You can also get the cheapest coverage by comparing quotes from multiple companies and taking advantage of discounts.
Cheapest Car Insurance in New Hampshire for Sports Cars (September 2023)
The cheapest insurers in New Hampshire for a driver with a sports car and full coverage are, on average:
- Concord Group: $638 per year
- Progressive: $827 per year
Allstate has the highest average rate for drivers with a sports car at $1,013, on average, per year.
Generally, sports car drivers pay more for insurance than those with standard cars due to the high repair and replacement costs incurred after an accident. In New Hampshire, drivers pay $202 more than the average cost if they have a sports car.
To determine the cheapest rates for drivers with a sports car, we used a Ford Mustang to collect quotes from multiple insurers. You are more likely to pay higher premiums with an electric, luxury or sports car than any other car model type. However, this may not apply to your state since insurance carriers consider several other factors while determining rates.
Cheapest Car Insurance in New Hampshire for Military Drivers (September 2023)
From our study, the cheapest car insurance provider in New Hampshire for active duty and military veterans is Hanover. Eligible drivers pay about $479 per year, on average.
USAA is the second-cheapest insurer for military members and their families, costing $506 per year.

- $479 per year
Hanover offers rental car and/or travel reimbursement, roadside assistance, accident forgiveness, deductible modification and new car replacement to its policyholders. In addition, it also has original equipment manufacturer coverage.
Cheapest Car Insurance in New Hampshire by City
Car insurance rates vary greatly based on where you live in New Hampshire. Generally, cities with a high risk of accidents, theft and similar incidents have higher car insurance premiums due to an increased probability of filing claims.
The most affordable provider in Manchester for a full coverage policy is Hanover. Policies from the company cost an average of $614 per year.
You can click to learn about car insurance in the city.
Car Insurance in New Hampshire: What You Need to Know
In most states, minimum coverage car insurance policies require bodily injury liability and property damage liability protection. In New Hampshire, your policy should also include medical payments coverage and uninsured/underinsured motorist coverage.
New Hampshire Car Insurance Requirements
In New Hampshire, your car insurance policy must meet the minimum state requirements, including property damage, bodily injury, medical payments and uninsured/underinsured motorists coverage.
Although a minimum coverage policy may save you money, it may leave you with inadequate coverage. We recommend buying a policy with the highest possible liability coverage that you can afford.
You also need to purchase SR-22 insurance after a high-risk traffic offense. This could increase your required coverage limits.
Bodily Injury Liability
Bodily injury liability coverage pays for the injuries caused to other drivers if you get involved in an at-fault accident. This coverage pays for medical bills, lost wages and funeral costs. It does not include the medical expenses you incur in the accident. In New Hampshire, the limits are $25,000 per person and $50,000 per accident.
Property Damage Liability
Property damage liability protection covers the cost of damage to another person’s property if you get into an accident and is calculated per accident. This coverage pays for repairs to another person’s property. It also covers any recurring fees arising from the accident. The minimum requirement in New Hampshire is $25,000.
Uninsured/ Underinsured Motorists Coverage
This helps to cover the medical expenses and vehicle repair costs if you get involved in an accident involving an uninsured or underinsured driver. The limits in New Hampshire for this coverage are $25,000 for bodily injury per person and $50,000 per accident and $25,000 for property damage.
Medical Payments Coverage
This pays for the medical and funeral costs of the policyholder after an accident, regardless of the person at fault. New Hampshire residents need $1,000 on their policy for medical payments coverage.
MoneyGeek recommends getting a policy with $100,000 bodily injury liability per person, $300,000 per accident and $100,000 property damage liability coverage per accident.
A comprehensive and collision insurance policy may also be required if you financed your car purchase. Comprehensive coverage pays for non-road incidents that may damage your car, including vandalism and flooding. Collision coverage pays for the cost of damage from hitting another car, a pole or any other object.
If you have a valuable car, getting full coverage can be a wise decision.
Car Insurance Alternatives in New Hampshire
New Hampshire does not have a legal requirement for drivers to buy auto insurance. If you get involved in an accident, you will have to comply with the state financial responsibility laws. Failure to do so will get you penalized.
For drivers who purchase auto insurance in the state, the limits are 25/50/25, plus medical payments coverage and uninsured/underinsured motorist coverage.
You can also comply with the state’s car insurance laws by filing a receipt at the Department of Safety indicating a cash or securities deposit in amounts that meet the minimum liability insurance requirements.
FAQs About Car Insurance in New Hampshire
It's not unusual to have questions about the cost and quality of car insurance in New Hampshire. We answered some common questions about auto insurance in the state to get you started.
About Mark Fitzpatrick

sources
- The State of New Hampshire Insurance Department. "2022 Automobile Insurance Consumer Frequently Asked Questions." Accessed November 22, 2022.