The Cheapest Car Insurance in New Hampshire for 2022

MoneyGeek collected rates from insurance companies in New Hampshire to find the cheapest car insurance policy. For an average driver, Amica Mutual offers the lowest auto insurance rate in New Hampshire, and you can save up to $803 by comparing rates.

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While Amica Mutual is the most affordable car insurance company in New Hampshire for a sample driver, factors like age, driving history, coverage amount and credit score significantly affect your car insurance rate.

For seniors and drivers with bad credit scores, Concord Group is the best car insurance provider in New Hampshire. If you have a military background, a policy from USAA may provide the lowest auto insurance cost.

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Cheapest Minimum Liability Car Insurance in New Hampshire

Minimum liability coverage is the cheapest insurance option for drivers in New Hampshire. This policy provides the state’s minimum car insurance requirements.

The cheapest insurance companies in New Hampshire for minimum liability coverage are:

  • Amica Mutual: $304 per year
  • Commerce Group: $313 per year

If you or a family member are a current or former military member, you qualify for insurance from USAA, which offers the lowest average annual rate of $204 for New Hampshire liability insurance. The most expensive insurance carrier for minimum liability coverage in New Hampshire is MetLife, with an average cost of $734 per year.

Cheapest Minimum Car Insurance in New Hampshire
  • Company
    Annually
    Monthly
  • 1.
    $204
    $17
  • 2.
    $304
    $25
  • 3.
    Commerce Group Inc
    $313
    $26
  • 4.
    $330
    $28
  • 5.
    Concord Group
    $337
    $28

These prices are only estimates based on rates for an average New Hampshire driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in New Hampshire

New Hampshire’s full coverage insurance costs more than minimum liability coverage. Full coverage policies feature comprehensive and collision insurance that includes coverage for road accidents and off-road incidents. Coverage rates differ between insurance companies, so drivers can compare quotes from various insurers to secure the best rates.

The cheapest companies for full coverage car insurance in New Hampshire are:

  • Progressive: $593 per year
  • Concord Group: $595 per year

For military personnel and their families, USAA's $435 average annual rate is the most affordable option. MetLife is the most expensive for full coverage insurance, costing an average cost of $1,652 per year.

Cheapest Full Coverage Car Insurance in New Hampshire

New Hampshire drivers may pay different figures from the above estimates depending on their age, credit score, history of violations and other factors. The averages above are for a comprehensive and collision insurance policy with $100,000 bodily injury liability coverage per person, $300,000 bodily injury liability coverage per accident and $100,000 property damage coverage per accident.

How to Compare Cheap New Hampshire Car Insurance Quotes Online

Insurance companies in New Hampshire provide a section on their website where drivers can request fairly accurate quotes. Ensure you know your coverage needs before shopping around.

  • Specify the same coverage levels while comparing rates. If you are looking for comprehensive and collision insurance with a $500 deductible, use this amount with all providers to compare rates accurately.
  • To complete a quick comparison, with MoneyGeek’s car insurance calculator, you can get an estimate on car insurance in New Hampshire without entering personal information. However, for a personalized quote, you must provide more information. You can also use MoneyGeek’s data to select the companies you wish to contact for a quote.
  • According to MoneyGeek, the most affordable car insurance companies in New Hampshire are USAA, Amica Mutual and Commerce Group Inc. You can review these options first as you begin shopping.

Auto Insurance Calculator

State

New Hampshire

Age

40

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$216

3.

Concord Group

$321

4.

Commerce Group Inc

$326

5.

GEICO

$329

Cheapest Car Insurance for Drivers With a DUI in New Hampshire

Drivers in New Hampshire with severe traffic violations, such as a DUI, pay higher car insurance rates. The average cost of car insurance for drivers in New Hampshire with a DUI is $1,354 per year, while those without DUIs pay $778.

The cheapest companies for drivers with a DUI in New Hampshire are:

  • Progressive: $695 per year
  • Concord Group: $1,015 per year

If you or a family member are in the military, USAA also offers a competitive rate, averaging $723 per year for New Hampshire drivers with a DUI.

Average Car Insurance Rates With a DUI

According to the Centers for Disease Control and Prevention, 1.5% of drivers in New Hampshire reported driving after drinking too much (in the 30 days prior to being surveyed). Additionally, there were 354 fatalities caused by alcohol-impaired drivers in New Hampshire between 2009 and 2018.

The financial repercussions of getting a DUI are costly and can range from court and legal fees to alcohol education treatment programs. Additionally, your insurance rate will also see a spike in cost in addition to the legal fees. Consider the above auto insurance rates for drivers who receive a DUI in New Hampshire.

While each insurance company calculates premiums differently, getting a DUI can cost you over $40,000 over the course of 13 years. How much your rate will go up depends on your insurance company, your location and your driving record.

Cheapest Car Insurance in New Hampshire for Drivers With an At-Fault Accident

At-fault accidents make insurance premiums significantly higher. MoneyGeek’s data shows that drivers with an at-fault accident in New Hampshire pay an average of $1,035 every year for an auto insurance policy.

The cheapest companies for people with an at-fault accident in New Hampshire are:

  • Concord Group: $761 per year
  • Commerce Group Inc: $852 per year

For veterans and military families, USAA is the cheapest option as it charges an average of $602 per year for an auto insurance policy after an accident.

Cheapest Car Insurance With an At-Fault Accident

Cheapest Car Insurance for Drivers With Tickets in New Hampshire

New Hampshire drivers with minor traffic offenses like speeding tickets pay more for car insurance. On average, drivers with tickets pay $905 per year, while those without tickets pay $778.

The top auto insurance companies in New Hampshire for drivers with speeding tickets are:

  • GEICO: $654 per year
  • Concord Group: $669 per year

Are you or a family member in the military? If so, USAA's average annual rate of $499 is your most affordable option.

Average Car Insurance Rates With a Ticket

According to the National Highway Traffic Safety Administration’s (NHTSA) 2018 Fatality Analysis Reporting System (FARS), 134 crashes in New Hampshire were caused by distracted driving. Driving while distracted can cause accidents and make your rates go up, so it's best to pay attention when you are behind the wheel.

The above chart provides estimates of what New Hampshire drivers can anticipate paying for auto insurance if they get a ticket for distracted driving or speeding.

Your auto insurance rate will likely go up if you get a ticket for speeding or for distracted driving. According to the Insurance Information Institute, your driving record is considered when insurance companies provide you with quotes and policies. Being riskier to insure means paying higher premiums. Your insurer can also re-evaluate your rates if you get a moving violation.

Cheapest Car Insurance Companies in New Hampshire for Drivers With Bad Credit

Drivers in New Hampshire with bad credit scores pay higher car insurance rates. The average cost for drivers with good credit scores in the state is $778, while drivers with bad credit scores pay an average of $1,278.

Insurance providers with the best full coverage rates for drivers with bad credit scores are:

  • Concord Group: $852 per year
  • Commerce Group: $979

For military personnel and their family members, USAA has the cheapest coverage for New Hampshire drivers with bad credit, at an average of $765 per year.

Average Car Insurance Rates for Drivers With Bad Credit

In New Hampshire, the average FICO score is 724, according to Experian. Studies show that using a credit score helps companies better predict the chances someone will file a claim, consequently impacting insurance rates. If you have bad credit, you may want to look into providers who offer cheap coverage for drivers with bad credit.

The above table shows estimates of New Hampshire car insurance rates for people with low credit scores.

Improving your credit score can help reduce your auto insurance rates. Take the time to learn about what impacts credit scores and work to improve your score to get the best rates/

Cheapest Car Insurance in New Hampshire for Seniors

Senior drivers pay more than middle-aged drivers and young adults. On average, non-senior drivers in New Hampshire pay $778 per year. Senior drivers in New Hampshire pay $849.

The cheapest companies in New Hampshire for senior drivers are:

  • Concord Group: $623 per year
  • GEICO: $647 per year

USAA has the lowest rates for military members. For a New Hampshire senior, USAA's average annual rate is just $511.

Average Car Insurance Rates for Seniors

In 2017, 20.4% of fatal car crashes were caused by drivers over the age of 65. Seniors in New Hampshire should ask for discounts for completing driver safety courses, driving infrequently and choosing a vehicle that has good safety features. Senior drivers should make sure to compare car insurance rates to get the best price.

In New Hampshire, all drivers must renew their license every five years. The most common restriction for older drivers is to require glasses or corrective contact lenses. The DMV may require seniors to take a road test at the time of renewal.

Cheapest Car Insurance in New Hampshire for Young Drivers

Since young drivers don’t have much experience, they are a higher risk, and New Hampshire insurance companies charge them more expensive car insurance. MoneyGeek’s data shows that a 16-year-old driver pays an average of $2,258 per year for a policy, while a policy for a 25-year-old costs an average of $834 annually.

In New Hampshire, Progressive is often the cheapest company for young drivers who are 16-25 years old. But GEICO is another great choice for more affordable auto insurance for ages 19-23.

Annual Car Insurance In New Hampshire for Young Drivers

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • 16
    $2,258
    Progressive
    $1,405
  • 17
    $2,165
    Progressive
    $1,438
  • 18
    $1,824
    Progressive
    $1,172
  • 19
    $1,740
    GEICO
    $1,281
  • 20
    $1,524
    GEICO
    $1,140
  • 21
    $1,205
    GEICO
    $985
  • 22
    $1,125
    GEICO
    $945
  • 23
    $1,033
    GEICO
    $888
  • 24
    $962
    Progressive
    $813
  • 25
    $834
    Progressive
    $686

To best prepare teen drivers, the state of New Hampshire requires drivers younger than 18 to complete a driver education course and enroll in a graduated licensing system. This process includes a learning permit (age 15) and a youth operator license (ages 16–21). Parents should notify their insurance company when their teen begins to drive. In general, young drivers pay high premiums because they lack experience on the road.

Insurance Rate Information for Military Drivers and Veterans

Military members might be able to obtain discounted auto insurance in New Hampshire. Most of the major car insurance carriers give discounts to military families. Several insurance companies sell policies only to veterans and active-duty enlisted, such as USAA.

Whether you're stationed in New Hampshire or are a New Hampshire resident deployed elsewhere, residents must register their vehicles every year.

Average Rates for New Hampshire service members

male
25 years$1,401
50 years$1,044
female
25 years$1,169
50 years$1,029

Car Insurance in New Hampshire: What You Need to Know

New Hampshire has no mandatory auto insurance law. However, the Division of Motor Vehicles still recommends that you carry auto liability insurance. Additionally, if you have ever been convicted of driving under the influence or leaving the scene of an accident, you may be required to purchase auto insurance.

Proof of Insurance in New Hampshire

New Hampshire has no mandatory insurance law. The Division of Motor Vehicles strongly recommends that all motor vehicle owners carry standard liability and property damage insurance.

If you cause an accident without insurance or proof of financial responsibility on file, you will be required to purchase the state’s minimum amount of insurance, file a form with the DMV for three years and pay a $500 fee to restore your license and registration.

Minimum Liability Insurance Requirements in New Hampshire

Although New Hampshire doesn't require auto liability insurance policies, drivers must show proof of financial responsibility, which means having enough money to cover the cost of an accident or buying insurance.

If the state requires you to purchase insurance due to a DUI conviction or uninsured accident, the minimum auto liability insurance limits in New Hampshire are:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage liability
  • $25,000/$50,000 uninsured/underinsured motorist coverage
  • $1,000 of medical payments coverage

Alternatives to Insurance in New Hampshire

According to the State of New Hampshire Insurance Department, residents don’t need to purchase insurance but must demonstrate that they can provide sufficient funds to cover an at-fault accident. If you are unable to meet these requirements, the state may suspend your driving privileges.

High-Risk Auto Insurance Program in New Hampshire

If you can't buy insurance through a traditional carrier, perhaps because of a spotty driving record, you may still be able to obtain coverage through the New Hampshire Automobile Insurance Plan. Applicants must demonstrate they applied for and were denied coverage within the past 60 days.

How Much Coverage Do You Need in New Hampshire?

It can be tempting to think of the savings that come with not buying auto insurance in New Hampshire. However, no agency in New Hampshire recommends skipping insurance. No one plans on being in an accident, but this is a situation where you’re better safe than sorry.

To choose the right amount of insurance, consider what you stand to lose after an accident. Insurance industry experts traditionally recommend a 100/300 policy that covers up to $100,000 for injuries per person and $300,000 for injuries per accident. You may also want to consider adding comprehensive and collision insurance to cover your vehicle or getting uninsured motorist coverage in case someone who doesn't have insurance hits your car. Uninsured motorist insurance also covers damage from hit-and-run drivers.

Cheapest Car Insurance in New Hampshire by City

In New Hampshire, car insurance costs can vary greatly depending on your location in the state. For example, in Manchester, the average cost of a full coverage auto insurance policy is $778. That rate may change if you live outside the city.

You can click on your city to find out more about the cost of car insurance in your area.

Average Insurance Rate by City in New Hampshire

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FAQs About Car Insurance in New Hampshire

The main questions about car insurance in New Hampshire are cost and coverage limits. Some of the common questions in the state are:

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About the Author


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Laura Longero is an award-winning writer, content strategist, and communications leader with 15 years of experience in journalism, public relations and marketing for start-ups to global companies. A gifted storyteller, she leads creative teams to produce targeted, high-quality content.

Highly organized and detail-oriented with a bias for action, she has a strong sense of urgency in driving projects to completion and enjoys creating order from chaos. Laura possesses exceptional experience in building and leading teams – with a keen eye for strong talent, especially in cultivating future leaders.


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