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: September 12, 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% | $-20 |
| Geico | $33 | $61 | -27% | $-17 |
| Mapfre Insurance | $32 | $70 | -21% | $-13 |
| Vermont Mutual Insurance | $32 | $72 | -19% | $-12 |
| Safety Insurance | $33 | $74 | -17% | $-11 |
*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.
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$126
High
$95
Average
$58
Low
Rates updated:
Sep 12, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 91 /of 100 | $58 | |
| 2 |  Nationwide | 89 /of 100 | $87 |
| 3 |  GEICO | 76 /of 100 | $93 |
| 4 | 65 /of 100 | $112 | |
| 5 |  Progressive | 69 /of 100 | $126 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
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
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Mapfre Insurance | $97 | $1,164 | -66% | $-2,298 |
| MMG Insurance | $116 | $1,387 | -60% | $-2,075 |
| Vermont Mutual Insurance | $119 | $1,430 | -59% | $-2,032 |
| Safety Insurance | $210 | $2,521 | -27% | $-941 |
| Auto Owners | $269 | $3,223 | -7% | $-239 |
*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:
| Manchester | Geico | $42 | -28% | $-23 |
| Nashua | Geico | $36 | -28% | $-20 |
| Concord | MMG Insurance | $32 | -28% | $-18 |
| Dover | Safety Insurance | $35 | -27% | $-20 |
| Rochester | MMG Insurance | $29 | -37% | $-24 |
| Keene | MMG Insurance | $30 | -26% | $-15 |
| Portsmouth | Safety Insurance | $29 | -26% | $-17 |
| Laconia | MMG Insurance | $29 | -34% | $-21 |
| Lebanon | MMG Insurance | $29 | -31% | $-18 |
| Claremont | MMG Insurance | $29 | -31% | $-19 |
| Acworth | MMG Insurance | $30 | -30% | $-18 |
| Alstead | MMG Insurance | $30 | -30% | $-18 |
| Alton | MMG Insurance | $30 | -32% | $-20 |
| Alton Bay | MMG Insurance | $30 | -31% | $-20 |
| Amherst | MMG Insurance | $30 | -36% | $-25 |
| Andover | MMG Insurance | $29 | -31% | $-19 |
| Antrim | Geico | $31 | -30% | $-19 |
| Ashland | MMG Insurance | $29 | -32% | $-19 |
| Ashuelot | MMG Insurance | $30 | -29% | $-18 |
| Atkinson | Mapfre Insurance | $34 | -27% | $-19 |
| Auburn | MMG Insurance | $38 | -23% | $-17 |
| Barnstead | Vermont Mutual Insurance | $28 | -30% | $-20 |
| Barrington | MMG Insurance | $29 | -36% | $-23 |
| Bartlett | MMG Insurance | $29 | -31% | $-19 |
| Bath | MMG Insurance | $29 | -32% | $-19 |
| Bedford | Geico | $36 | -28% | $-20 |
| Belmont | MMG Insurance | $29 | -33% | $-21 |
| Bennington | MMG Insurance | $30 | -31% | $-19 |
| Berlin | MMG Insurance | $29 | -33% | $-21 |
| Bethlehem | MMG Insurance | $29 | -31% | $-19 |
| Bow | Vermont Mutual Insurance | $28 | -30% | $-20 |
| Bradford | MMG Insurance | $29 | -33% | $-20 |
| Bretton Woods | Safety Insurance | $27 | -29% | $-18 |
| Bristol | Safety Insurance | $27 | -29% | $-18 |
| Brookline | MMG Insurance | $30 | -33% | $-21 |
| Campton | MMG Insurance | $29 | -32% | $-19 |
| Canaan | MMG Insurance | $29 | -31% | $-19 |
| Candia | MMG Insurance | $34 | -27% | $-18 |
| Canterbury | MMG Insurance | $30 | -32% | $-20 |
| Center Barnstead | Geico | $31 | -32% | $-21 |
| Center Conway | Safety Insurance | $27 | -30% | $-18 |
| Center Harbor | MMG Insurance | $29 | -32% | $-20 |
| Center Ossipee | Safety Insurance | $27 | -31% | $-20 |
| Center Sandwich | MMG Insurance | $29 | -32% | $-20 |
| Center Strafford | Vermont Mutual Insurance | $28 | -29% | $-19 |
| Center Tuftonboro | Safety Insurance | $27 | -30% | $-18 |
| Charlestown | MMG Insurance | $29 | -32% | $-20 |
| Chester | Vermont Mutual Insurance | $31 | -26% | $-17 |
| Chesterfield | MMG Insurance | $29 | -32% | $-20 |
| Chichester | MMG Insurance | $29 | -35% | $-23 |
| Chocorua | Safety Insurance | $27 | -30% | $-19 |
| Colebrook | Safety Insurance | $27 | -30% | $-18 |
| Contoocook | MMG Insurance | $32 | -32% | $-22 |
| Conway | MMG Insurance | $30 | -30% | $-18 |
| Cornish | MMG Insurance | $29 | -31% | $-19 |
| Cornish Flat | MMG Insurance | $29 | -31% | $-19 |
| Danbury | MMG Insurance | $30 | -30% | $-18 |
| Danville | Mapfre Insurance | $31 | -29% | $-20 |
| Deerfield | MMG Insurance | $34 | -27% | $-18 |
| Derry | Mapfre Insurance | $35 | -24% | $-17 |
| Drewsville | MMG Insurance | $30 | -30% | $-19 |
| Dublin | MMG Insurance | $29 | -32% | $-19 |
| Dunbarton | Vermont Mutual Insurance | $28 | -32% | $-21 |
| Durham | Geico | $34 | -27% | $-18 |
| East Andover | MMG Insurance | $30 | -30% | $-18 |
| East Candia | Mapfre Insurance | $31 | -26% | $-17 |
| East Hampstead | Safety Insurance | $31 | -29% | $-21 |
| East Hebron | MMG Insurance | $29 | -31% | $-19 |
| East Kingston | Vermont Mutual Insurance | $31 | -29% | $-21 |
| East Wakefield | Safety Insurance | $27 | -31% | $-20 |
| Eaton Center | Safety Insurance | $27 | -30% | $-19 |
| Effingham | Safety Insurance | $27 | -32% | $-20 |
| Elkins | MMG Insurance | $30 | -31% | $-19 |
| Enfield | MMG Insurance | $29 | -30% | $-18 |
| Enfield Center | MMG Insurance | $29 | -31% | $-19 |
| Epping | Geico | $34 | -28% | $-18 |
| Epsom | MMG Insurance | $30 | -35% | $-23 |
| Errol | Safety Insurance | $27 | -30% | $-19 |
| Etna | MMG Insurance | $29 | -30% | $-18 |
| Exeter | Mapfre Insurance | $31 | -26% | $-18 |
| Farmington | MMG Insurance | $30 | -35% | $-23 |
| Fitzwilliam | MMG Insurance | $29 | -32% | $-20 |
| Francestown | MMG Insurance | $30 | -31% | $-20 |
| Franconia | MMG Insurance | $30 | -29% | $-18 |
| Franklin | MMG Insurance | $30 | -30% | $-19 |
| Freedom | Safety Insurance | $27 | -30% | $-19 |
| Fremont | Vermont Mutual Insurance | $31 | -26% | $-18 |
| Georges Mills | MMG Insurance | $30 | -28% | $-17 |
| Gilford | MMG Insurance | $29 | -33% | $-21 |
| Gilmanton | MMG Insurance | $30 | -32% | $-21 |
| Gilmanton Iron Works | MMG Insurance | $30 | -32% | $-20 |
| Gilsum | MMG Insurance | $29 | -31% | $-19 |
| Glen | MMG Insurance | $29 | -32% | $-19 |
| Glencliff | Safety Insurance | $27 | -28% | $-17 |
| Goffstown | MMG Insurance | $35 | -28% | $-19 |
| Gorham | MMG Insurance | $29 | -32% | $-20 |
| Goshen | MMG Insurance | $30 | -29% | $-18 |
| Grafton | Safety Insurance | $27 | -29% | $-18 |
| Grantham | MMG Insurance | $29 | -31% | $-19 |
| Greenfield | MMG Insurance | $29 | -33% | $-20 |
| Greenland | Mapfre Insurance | $30 | -27% | $-17 |
| Greenville | MMG Insurance | $30 | -32% | $-20 |
| Groveton | MMG Insurance | $30 | -30% | $-18 |
| Guild | MMG Insurance | $29 | -30% | $-18 |
| Hampstead | Geico | $37 | -28% | $-20 |
| Hampton | MMG Insurance | $34 | -27% | $-18 |
| Hampton Falls | Mapfre Insurance | $31 | -25% | $-17 |
| Hancock | MMG Insurance | $29 | -32% | $-20 |
| Hanover | MMG Insurance | $29 | -30% | $-18 |
| Harrisville | MMG Insurance | $30 | -29% | $-18 |
| Haverhill | MMG Insurance | $29 | -31% | $-19 |
| Henniker | MMG Insurance | $30 | -32% | $-20 |
| Hill | MMG Insurance | $30 | -30% | $-18 |
| Hillsborough | MMG Insurance | $30 | -31% | $-19 |
| Hinsdale | MMG Insurance | $29 | -31% | $-19 |
| Holderness | MMG Insurance | $29 | -32% | $-20 |
| Hollis | MMG Insurance | $29 | -39% | $-26 |
| Hudson | MMG Insurance | $34 | -31% | $-22 |
| Intervale | MMG Insurance | $30 | -29% | $-18 |
| Jackson | MMG Insurance | $29 | -32% | $-20 |
| Jaffrey | MMG Insurance | $29 | -32% | $-20 |
| Jefferson | MMG Insurance | $29 | -32% | $-20 |
| Kearsarge | MMG Insurance | $29 | -32% | $-19 |
| Kingston | Geico | $40 | -22% | $-16 |
| Lancaster | MMG Insurance | $30 | -30% | $-18 |
| Lee | MMG Insurance | $29 | -35% | $-23 |
| Lempster | MMG Insurance | $30 | -30% | $-18 |
| Lincoln | MMG Insurance | $29 | -31% | $-19 |
| Lisbon | MMG Insurance | $29 | -32% | $-19 |
| Litchfield | MMG Insurance | $34 | -30% | $-21 |
| Littleton | MMG Insurance | $30 | -29% | $-18 |
| Lochmere | MMG Insurance | $29 | -33% | $-21 |
| Londonderry | MMG Insurance | $34 | -31% | $-22 |
| Loudon | MMG Insurance | $30 | -32% | $-20 |
| Lyme | MMG Insurance | $29 | -32% | $-19 |
| Lyme Center | MMG Insurance | $29 | -32% | $-20 |
| Lyndeborough | MMG Insurance | $30 | -31% | $-20 |
| Madbury | Geico | $32 | -31% | $-21 |
| Madison | Safety Insurance | $27 | -30% | $-19 |
| Marlborough | MMG Insurance | $29 | -32% | $-19 |
| Marlow | MMG Insurance | $30 | -30% | $-18 |
| Melvin Village | Safety Insurance | $27 | -30% | $-19 |
| Meredith | MMG Insurance | $29 | -32% | $-20 |
| Meriden | MMG Insurance | $29 | -31% | $-19 |
| Merrimack | MMG Insurance | $30 | -35% | $-24 |
| Milan | MMG Insurance | $30 | -30% | $-19 |
| Milford | Mapfre Insurance | $30 | -26% | $-17 |
| Milton | MMG Insurance | $29 | -33% | $-21 |
| Milton Mills | MMG Insurance | $30 | -33% | $-21 |
| Mirror Lake | MMG Insurance | $30 | -30% | $-18 |
| Monroe | MMG Insurance | $29 | -32% | $-19 |
| Mont Vernon | MMG Insurance | $29 | -35% | $-22 |
| Moultonborough | Safety Insurance | $27 | -30% | $-18 |
| Mount Washington | MMG Insurance | $30 | -30% | $-18 |
| Munsonville | MMG Insurance | $29 | -32% | $-20 |
| New Boston | Vermont Mutual Insurance | $28 | -32% | $-21 |
| Newbury | MMG Insurance | $30 | -30% | $-19 |
| New Castle | MMG Insurance | $30 | -32% | $-20 |
| New Durham | MMG Insurance | $30 | -32% | $-20 |
| Newfields | Mapfre Insurance | $31 | -26% | $-18 |
| New Hampton | MMG Insurance | $30 | -30% | $-18 |
| New Ipswich | MMG Insurance | $30 | -31% | $-20 |
| New London | MMG Insurance | $29 | -32% | $-19 |
| Newmarket | Geico | $34 | -26% | $-17 |
| Newport | MMG Insurance | $29 | -31% | $-19 |
| Newton | MMG Insurance | $35 | -30% | $-22 |
| Newton Junction | MMG Insurance | $35 | -29% | $-21 |
| North Conway | Safety Insurance | $27 | -30% | $-19 |
| North Hampton | Mapfre Insurance | $31 | -25% | $-17 |
| North Haverhill | MMG Insurance | $29 | -31% | $-19 |
| North Sandwich | MMG Insurance | $29 | -32% | $-19 |
| North Stratford | MMG Insurance | $30 | -29% | $-18 |
| North Sutton | MMG Insurance | $29 | -32% | $-20 |
| North Walpole | MMG Insurance | $30 | -30% | $-19 |
| Northwood | Mapfre Insurance | $30 | -29% | $-19 |
| North Woodstock | MMG Insurance | $29 | -31% | $-19 |
| Nottingham | Geico | $34 | -27% | $-18 |
| Orford | MMG Insurance | $29 | -32% | $-19 |
| Ossipee | Safety Insurance | $27 | -31% | $-20 |
| Pelham | MMG Insurance | $30 | -41% | $-30 |
| Peterborough | MMG Insurance | $29 | -33% | $-20 |
| Piermont | MMG Insurance | $29 | -31% | $-19 |
| Pike | MMG Insurance | $30 | -29% | $-18 |
| Pittsburg | Safety Insurance | $27 | -29% | $-18 |
| Pittsfield | Geico | $34 | -28% | $-18 |
| Plainfield | MMG Insurance | $29 | -31% | $-19 |
| Plaistow | Mapfre Insurance | $33 | -29% | $-21 |
| Plymouth | MMG Insurance | $29 | -32% | $-19 |
| Randolph | Safety Insurance | $27 | -29% | $-18 |
| Raymond | Geico | $34 | -28% | $-18 |
| Rindge | MMG Insurance | $30 | -31% | $-19 |
| Rollinsford | MMG Insurance | $30 | -35% | $-23 |
| Rumney | Safety Insurance | $27 | -28% | $-17 |
| Rye | MMG Insurance | $34 | -25% | $-16 |
| Rye Beach | MMG Insurance | $34 | -26% | $-17 |
| Salem | MMG Insurance | $38 | -27% | $-20 |
| Salisbury | MMG Insurance | $30 | -30% | $-19 |
| Sanbornton | Geico | $31 | -29% | $-18 |
| Sanbornville | MMG Insurance | $30 | -31% | $-19 |
| Sandown | Safety Insurance | $31 | -27% | $-19 |
| Seabrook | Vermont Mutual Insurance | $31 | -29% | $-21 |
| Silver Lake | Safety Insurance | $27 | -30% | $-19 |
| Somersworth | MMG Insurance | $29 | -37% | $-24 |
| South Acworth | MMG Insurance | $29 | -32% | $-19 |
| South Hooksett | Mapfre Insurance | $32 | -27% | $-19 |
| South Newbury | Geico | $31 | -29% | $-18 |
| South Sutton | Geico | $31 | -29% | $-18 |
| South Tamworth | MMG Insurance | $29 | -32% | $-20 |
| Spofford | MMG Insurance | $29 | -32% | $-19 |
| Springfield | MMG Insurance | $29 | -31% | $-18 |
| Stinson Lake | MMG Insurance | $29 | -33% | $-21 |
| Stoddard | MMG Insurance | $30 | -29% | $-18 |
| Strafford | MMG Insurance | $30 | -34% | $-22 |
| Stratham | Mapfre Insurance | $31 | -26% | $-18 |
| Sugar Hill | MMG Insurance | $29 | -31% | $-19 |
| Sullivan | MMG Insurance | $30 | -29% | $-18 |
| Sunapee | MMG Insurance | $29 | -31% | $-19 |
| Suncook | Geico | $34 | -25% | $-16 |
| Swanzey | MMG Insurance | $30 | -27% | $-16 |
| Tamworth | MMG Insurance | $29 | -32% | $-19 |
| Temple | MMG Insurance | $30 | -31% | $-20 |
| Thornton | MMG Insurance | $29 | -31% | $-19 |
| Tilton | MMG Insurance | $30 | -31% | $-20 |
| Troy | MMG Insurance | $29 | -32% | $-20 |
| Twin Mountain | Safety Insurance | $27 | -29% | $-18 |
| Union | Safety Insurance | $27 | -32% | $-20 |
| Walpole | MMG Insurance | $32 | -29% | $-19 |
| Warner | MMG Insurance | $29 | -32% | $-20 |
| Warren | MMG Insurance | $29 | -32% | $-19 |
| Washington | Geico | $31 | -28% | $-17 |
| Waterville Valley | MMG Insurance | $29 | -32% | $-19 |
| Weare | MMG Insurance | $30 | -34% | $-22 |
| Wentworth | MMG Insurance | $29 | -32% | $-19 |
| West Chesterfield | MMG Insurance | $29 | -32% | $-20 |
| West Lebanon | MMG Insurance | $29 | -30% | $-18 |
| Westmoreland | MMG Insurance | $29 | -32% | $-20 |
| West Nottingham | Geico | $34 | -27% | $-18 |
| West Ossipee | Safety Insurance | $27 | -30% | $-19 |
| West Peterborough | MMG Insurance | $29 | -33% | $-21 |
| West Stewartstown | MMG Insurance | $29 | -32% | $-19 |
| Whitefield | MMG Insurance | $29 | -31% | $-19 |
| Wilmot | MMG Insurance | $29 | -32% | $-20 |
| Wilton | MMG Insurance | $30 | -32% | $-20 |
| Winchester | MMG Insurance | $30 | -29% | $-18 |
| Windham | MMG Insurance | $30 | -40% | $-29 |
| Winnisquam | MMG Insurance | $30 | -30% | $-19 |
| Wolfeboro | Safety Insurance | $27 | -31% | $-19 |
| Wolfeboro Falls | Safety Insurance | $27 | -31% | $-19 |
| Wonalancet | Safety Insurance | $27 | -30% | $-19 |
| Woodsville | MMG Insurance | $29 | -32% | $-19 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in New Hampshire by Driver Age Group
We analyzed car insurance rates across New Hampshire for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from GEICO, starting at $76 per month
- Adult drivers find the best deals with Safety Insurance, with rates from $31 per month
- Senior drivers see the most affordable coverage through Vermont Mutual, beginning at $37 per month
Cheapest Car Insurance For Young Drivers in New Hampshire
GEICO is the cheapest at $76/mo ($917/yr), about 35% below the state average. Auto Owners and Vermont Mutual are next at $83/mo.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $76 | $917 | -35% | $-487 |
| Auto Owners | $83 | $992 | -29% | $-412 |
| Vermont Mutual Insurance | $83 | $994 | -29% | $-410 |
| MMG Insurance | $90 | $1,075 | -23% | $-328 |
| State Farm | $99 | $1,182 | -16% | $-222 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.
Cheapest Car Insurance For Adult Drivers in New Hampshire
Safety Insurance and Vermont Mutual provide the lowest car insurance for adult drivers at $31/mo, roughly 31% cheaper than average. MMG and Mapfre follow at $32/mo, with GEICO at $34/mo.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Safety Insurance | $31 | $371 | -31% | $-167 |
| Vermont Mutual Insurance | $31 | $377 | -30% | $-161 |
| MMG Insurance | $32 | $382 | -29% | $-155 |
| Mapfre Insurance | $32 | $386 | -28% | $-151 |
| Geico | $34 | $408 | -24% | $-129 |
Cheapest Car Insurance For Senior Drivers in New Hampshire
Vermont Mutual leads at $37/mo ($443/yr), about 40% under the state average. Safety and Mapfre come in around $40/mo, while Geico averages $48/mo.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Vermont Mutual Insurance | $37 | $443 | -40% | $-299 |
| Safety Insurance | $40 | $476 | -36% | $-266 |
| Mapfre Insurance | $40 | $485 | -35% | $-257 |
| Geico | $48 | $580 | -22% | $-163 |
| State Farm | $51 | $609 | -18% | $-134 |
Cheapest Car Insurance For High-Risk Drivers in New Hampshire
Your driving record is one of the biggest factors affecting car insurance rates in New Hampshire. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents, or DUIs can raise costs significantly. The table below highlights the cheapest providers in New Hampshire based on different driving records.
- Cheapest for Bad Credit: Mapfre Insurance (From $45/mo)
- Cheapest With a DUI: MMG Insurance (From $53/mo)
- Cheapest With an Accident: Vermont Mutual (From $31/mo)
- Cheapest With a Speeding Ticket: Safety Insurance (From $31/mo)
- Cheapest With a Texting While Driving Violation: Safety Insurance (From $31/mo)
Cheapest Car Insurance For Bad Credit in New Hampshire
Mapfre Insurance offers the best price at $45/mo ($537/yr), roughly 64% below average. Next-best are Safety at $52/mo and MMG at $59/mo.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
Select
Driving Record:Clean
| Mapfre Insurance | $45 | $537 | -64% | $-948 |
| Safety Insurance | $52 | $620 | -58% | $-866 |
| MMG Insurance | $59 | $704 | -53% | $-782 |
| Vermont Mutual Insurance | $68 | $811 | -45% | $-675 |
| Geico | $108 | $1,301 | -12% | $-185 |
Cheapest Car Insurance With a DUI in New Hampshire
MMG Insurance is the lowest at $53/mo ($635/yr), about 34% less than average. Progressive runs $58/mo, and Auto Owners is $66/mo.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| MMG Insurance | $53 | $635 | -34% | $-326 |
| Progressive | $58 | $694 | -28% | $-267 |
| Auto Owners | $66 | $797 | -17% | $-164 |
| Geico | $68 | $816 | -15% | $-145 |
| Safety Insurance | $70 | $837 | -13% | $-125 |
Cheapest Car Insurance With an Accident in New Hampshire
Vermont Mutual is the cheapest after an at-fault crash at $31/mo ($377/yr), around 51% under the state average. Mapfre is $40/mo and MMG is $47/mo.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
Select
Credit Alignment:Good
| Vermont Mutual Insurance | $31 | $377 | -51% | $-396 |
| Mapfre Insurance | $40 | $476 | -38% | $-297 |
| MMG Insurance | $47 | $562 | -27% | $-211 |
| State Farm | $48 | $578 | -25% | $-195 |
| Geico | $50 | $602 | -22% | $-171 |
Cheapest Car Insurance With a Speeding Ticket
Safety Insurance leads at $31/mo ($371/yr), about 42% cheaper than average. State Farm and Mapfre follow at $39–$40/mo.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Safety Insurance | $31 | $371 | -42% | $-272 |
| State Farm | $39 | $465 | -28% | $-178 |
| Mapfre Insurance | $40 | $476 | -26% | $-167 |
| Geico | $41 | $491 | -24% | $-152 |
| Vermont Mutual Insurance | $42 | $500 | -22% | $-144 |
Cheapest Car Insurance With a Texting While Driving Violation
Safety Insurance again comes out cheapest at $31/mo ($371/yr), about 50% below average. MMG is $35/mo, with State Farm at $39/mo.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
Select
Credit Alignment:Good
| Safety Insurance | $31 | $371 | -50% | $-377 |
| MMG Insurance | $35 | $417 | -44% | $-331 |
| State Farm | $39 | $465 | -38% | $-283 |
| Geico | $42 | $499 | -33% | $-250 |
| Auto Owners | $51 | $611 | -18% | $-138 |
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 insurers even without a mandate
New Hampshire does not require drivers to carry car insurance if they can prove financial responsibility, but most still purchase coverage to avoid the risk of paying out of pocket. Rates can vary significantly between larger cities like Manchester or Nashua and smaller towns, so shopping multiple quotes is one of the best ways to keep costs down.
- 2
Understand New Hampshire’s minimum requirements
For drivers who do buy insurance, the state requires at least 25/50/25 liability coverage, uninsured and underinsured motorist protection at 25/50, and $1,000 in medical payments coverage. These requirements create a stronger safety net than in some states, even though insurance is technically optional.
- 3
Take advantage of available discounts
New Hampshire insurers commonly offer savings for safe driving, bundling policies, maintaining good grades, and enrolling in telematics programs that monitor driving behavior. Paperless billing and paying in full also bring down costs. Many companies in the state also give discounts for completing driver safety courses, which can be especially helpful for teen or senior drivers.
- 4
Address uninsured motorist risks
Because insurance is not mandatory, New Hampshire has a higher percentage of uninsured drivers than many states. Carrying uninsured and underinsured motorist coverage is an inexpensive way to protect yourself against drivers who lack adequate coverage.
- 5
Match coverage to local risks
Drivers in New Hampshire face long, icy winters that increase accident risk, making collision coverage valuable even for older cars. Rural areas of the state also see a high number of deer collisions, which comprehensive coverage helps pay for. Weather-related damage from snowstorms, flooding, or falling trees is also only covered under comprehensive.
- 6
Maintain a strong driver profile
As in most states, New Hampshire insurers weigh credit scores and driving history heavily when setting rates. Keeping both in good standing is one of the most effective ways to access cheaper premiums over time.
- 7
Use NHAIP if denied coverage
For drivers who cannot obtain insurance through the voluntary market, the New Hampshire Automobile Insurance Plan provides last-resort access to liability coverage. Rates are higher under this program, so it should only be used if other options are unavailable.
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.
Minimum Coverage Requirements in New Hampshire
New Hampshire does not require most drivers to carry auto insurance, but those who choose to drive without it must prove financial responsibility to cover potential accident costs. If you purchase insurance, the state sets minimum liability requirements, along with medical payments and uninsured motorist coverage. While these limits meet state law, many drivers choose higher amounts for stronger protection.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $25,000 per accident |
Medical Payments (MedPay) | $1,000 per person |
Uninsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
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 September 12, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed September 12, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed September 12, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed September 12, 2025.
