The Cheapest Car Insurance in New Hampshire for 2022

Amica Mutual offers the cheapest car insurance in New Hampshire, charging $313 per year on average for a minimum coverage policy.

MoneyGeek analyzed quotes across New Hampshire to find the most affordable choices. Rates can vary depending on driver profile and coverage. For instance, Progressive is the cheapest for a full coverage policy. Drivers could save up to $503 just by comparing quotes.

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Last Updated: 12/1/2022
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The Cheapest Car Insurance in New Hampshire

You can get a closer estimate of what car insurance costs by reviewing the cheapest car insurance companies in New Hampshire by city. We also found the best car insurance companies in New Hampshire that balance customer service and cost.

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Methodology

Why Trust MoneyGeek? New Hampshire car insurance rates in this study are based on our analysis of data and information from the New Hampshire Department of Insurance and Quadrant Information Services.

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These rates were updated in August 2022 to reflect how car insurance rates in New Hampshire have changed up to this month.

3,312

Quotes Analyzed

 
9

Companies Compared

 
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ZIP Codes

Cheapest Minimum Liability Car Insurance in New Hampshire

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

On average, the cheapest auto insurance companies in New Hampshire for minimum liability coverage are:

  • Amica Mutual: $313 per year
  • Commerce Group: $322 per year

If you or a family member are a current or former military member, you may qualify for auto insurance from USAA, which offers the lowest average annual rate in New Hampshire for liability insurance at $210. The most expensive insurance company for minimum liability coverage in New Hampshire is Allstate, with an average cost of $579 per year.

CHEAPEST MINIMUM CAR INSURANCE IN NEW HAMPSHIRE

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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

Full coverage insurance costs more than minimum liability coverage in New Hampshire and elsewhere. A full coverage policy features comprehensive and collision insurance that covers damage caused by at-fault road accidents and off-road incidents to your vehicle.

On average, the cheapest companies for full coverage car insurance in New Hampshire are:

  • Progressive: $610 per year
  • Concord Group: $612 per year

For military personnel and their families, USAA's $447 average annual rate is the most affordable option. Allstate is the most expensive for full coverage insurance in New Hampshire, costing around $951 per year.

CHEAPEST FULL COVERAGE CAR INSURANCE IN NEW HAMPSHIRE

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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.

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Cheapest Car Insurance in New Hampshire for Young Drivers

Since young drivers don’t have much experience, they are a bigger risk, and New Hampshire auto insurance companies charge them a more expensive car insurance rate. MoneyGeek’s data shows that a 16-year-old driver pays an average of $2,322 per year for a full coverage policy, while a 25-year-old pays roughly $858 annually.

In New Hampshire, Progressive is the cheapest company for new-to-the-road young drivers, aged 16 to 18, and for the ages of 24 and 25. But from age 19 to 23, GEICO is the best choice for affordable auto insurance.

ANNUAL CAR INSURANCE IN NEW HAMPSHIRE FOR YOUNG DRIVERS

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • $2,322
    Progressive
    $1,445
  • $2,227
    Progressive
    $1,479
  • $1,876
    Progressive
    $1,206
  • $1,790
    GEICO
    $1,317
  • $1,567
    GEICO
    $1,173
  • $1,240
    GEICO
    $1,013
  • $1,157
    GEICO
    $972
  • $1,063
    GEICO
    $913
  • $990
    Progressive
    $836
  • $858
    Progressive
    $705

To best prepare teen drivers, New Hampshire requires drivers younger than 18 to complete a driver education course and enroll in a graduated licensing system. The process includes a learning permit (age 15) and a youth operator license (ages 16 to 21). Parents should notify their auto insurance company when their teen begins to drive.

In general, young drivers pay a high premium because they lack experience. For 25-year-olds, Progressive offers the cheapest full coverage insurance rate at around $705 a year, while a 16-year-old driver gets the policy for roughly $1,445 a year from the same company.

Cheapest Car Insurance in New Hampshire for Seniors

Senior drivers often pay more than middle-aged drivers for car insurance. On average, a 40-year-old driver with full coverage pays $800 per year, while a senior driver in New Hampshire pays around $873.

On average, the cheapest auto insurance companies in New Hampshire for senior drivers with full coverage are:

  • Concord Group: $640 per year
  • GEICO: $666 per year

USAA has the lowest average annual rate for active or retired military-affiliated seniors at $526.

CHEAPEST CAR INSURANCE RATES FOR SENIORS

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Seniors in New Hampshire must renew their license every five years. The most common restriction for older drivers is a glasses or corrective contact lenses requirement while driving. The DMV may also require seniors to take a road test for license renewal.

To save on car insurance as a senior, comparing quotes is a must. For example, the most expensive company for seniors, Allstate, charges around $1,158 per year. That means you can save roughly $518 annually by choosing Concord Group instead.

Cheapest Car Insurance for Drivers With Tickets in New Hampshire

New Hampshire drivers with a minor traffic offense like a speeding ticket pay more for car insurance. On average, drivers with a ticket pay $931 per year for full coverage, while those without a ticket pay around $800.

The auto insurance companies in New Hampshire with the average cheapest full coverage rate for drivers with a speeding ticket are:

  • GEICO: $673 per year
  • Concord Group: $688 per year

If you or a family member are in the military or a veteran, USAA's average annual rate of $513 is your most affordable auto insurance option after a speeding ticket in New Hampshire.

AVERAGE CAR INSURANCE RATES WITH A TICKET

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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 for Drivers With a DUI in New Hampshire

Drivers in New Hampshire with a DUI pay a higher car insurance premium and often must file an SR-22. The average cost of full coverage car insurance for drivers in New Hampshire with a DUI is $1,393 per year, while those without a DUI pay around $800.

On average, the cheapest companies for drivers with a DUI in New Hampshire and full coverage are:

  • Progressive: $715 per year
  • Concord Group: $1,044 per year

If you or a family member are in the military, USAA offers a competitive rate, averaging $744 per year for New Hampshire drivers with a DUI.

AVERAGE CAR INSURANCE RATES WITH A DUI

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If convicted of drunk driving, your auto insurance premium will go up. To find the lowest rate, compare quotes from multiple companies. MoneyGeek found that the most expensive company in New Hampshire for drivers with a DUI is Amica Mutual, at roughly $2,148 per year; you could save around $1,433 annually by choosing Progressive instead, the cheapest company.

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

An at-fault accident on record makes an auto insurance premium higher. MoneyGeek’s data shows that drivers with an at-fault accident in New Hampshire pay an average of $1,114 every year for full coverage auto insurance.

On average, the cheapest companies for full coverage with an at-fault accident in New Hampshire are:

  • Concord Group: $782 per year
  • Commerce Group, Inc.: $876 per year

For veterans and active military members, USAA is the cheapest option, charging an average of $619 per year for a full coverage auto insurance policy after an at-fault accident in New Hampshire.

CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT

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Cheapest Car Insurance in New Hampshire for Drivers With Bad Credit

Drivers in New Hampshire with a bad credit score pay a higher car insurance rate. The average cost for drivers with good credit in the state is $800, while drivers with bad credit pay an average of $1,310.

The auto insurance providers with the average lowest full coverage rate for drivers with bad credit in New Hampshire are:

  • Concord Group: $877 per year
  • Commerce Group: $1,007 per year

For military personnel and their family members, USAA has the cheapest full coverage for New Hampshire drivers with bad credit at an average cost of $787 per year.

CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT

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The average credit score in New Hampshire, according to Experian, is 734. An insurance company may review your credit history when determining how much to charge you for an auto policy. If you have bad credit, it's important to look into companies offering cheap coverage.

That is because you could save a significant amount of money on car insurance by shopping around. The highest average rate for a driver with a bad credit score in New Hampshire is with State Farm at $1,603 annually, while Concord Group charges roughly $877 per year — a potential savings of around $726 yearly.

Cheapest Car Insurance in New Hampshire for Military Drivers

USAA offers the cheapest insurance in New Hampshire for veterans and active military members — it exclusively serves them. On average, a minimum coverage car insurance policy from USAA costs $210 per year. Amica Mutual, which is open to any driver, offers the second cheapest rate of around $313 per year — roughly $103 more.

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MoneyGeek Top Pick
USAA
  • Average rate: $210 per year
  • Ranks as the cheapest out of nine insurers

In MoneyGeek's analysis, USAA garnered a perfect five-star rating for affordability. USAA offers low auto insurance prices to members of the military and veterans and discounts that allow customers to save even more.

Customers can take advantage of 12 USAA discounts. Some are standard discounts, such as bundling and multi-car; other discounts are unique, like military, mileage, loyalty and legacy.

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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Car Insurance in New Hampshire: What You Need to Know

New Hampshire does not have a mandatory auto insurance law, but the Division of Motor Vehicles strongly recommends that you carry liability insurance. But, if you have been convicted of driving under the influence or leaving the scene of an accident, you may be required to purchase auto insurance.

New Hampshire Insurance Requirements

The New Hampshire Department of Insurance does not require residents to buy auto insurance, but they must demonstrate that they have sufficient funds available in case of an accident. If they can’t do this, the state can suspend their driving privileges.

Additionally, if an accident occurs without you having proof of financial responsibility on file with the DMV, you must purchase the state's minimum required insurance, file a form with the department for three years and pay a $500 fee to restore your license and registration.

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 per accident
  • $25,000/$50,000 uninsured/underinsured motorist coverage
  • $1,000 medical payments coverage

If you have trouble finding car insurance because of a poor driving record, you may be able to get coverage through the New Hampshire Automobile Insurance Plan. This plan is for people who are unable to find insurance through traditional carriers. Applicants must show that they applied for insurance within the last 60 days and were denied coverage.

It might be tempting to skip auto insurance in New Hampshire, but it’s better to be safe than sorry. Generally, experts recommend a 100/300 policy that covers up to $100,000 in bodily injury per person and $300,000 per accident.

You may also want to consider adding comprehensive and collision coverage to protect your car (considered a full coverage policy). This policy also covers damage from hit-and-run drivers.

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:

About the Author


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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.


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