Updated: November 17, 2025
Advertising & Editorial Disclosure
Full coverage: MMG, $55
Liability only: MMG, $29
Teens: MMG, $134
Young adults: MAPFRE, $45
Seniors: MAPFRE, $39
DUI: MMG, $53
SR-22: GEICO, $52
Non-owner: State Farm, $52
Bad credit: MAPFRE, $39
Why You Can Trust MoneyGeek
We analyzed car insurance rates from major insurers across all New Hampshire ZIP codes for various driver profiles, including clean records, violations and age groups. Rates show averages for a 40-year-old driver with good credit and a clean record unless otherwise noted. Your actual rate may differ based on your circumstances, location, driving history and coverage options. Read more about MoneyGeek's methodology.
Among full coverage options, MMG offers a $664 yearly rate, which works out to $55 a month and comes in 33% below the state average based on MoneyGeek's analysis of major insurers.
GEICO is higher at $790 a year, a difference of $126. Safety Insurance and MAPFRE are both near $839 annually, while Vermont Mutual is close behind at $846. These small gaps matter, and MMG’s lower rate can lead to noticeable long-term savings.
| MMG Insurance | $55 | $664 | 33% |
| Geico | $66 | $790 | 20% |
| Safety Insurance | $70 | $836 | 15% |
| Mapfre Insurance | $70 | $839 | 15% |
| Vermont Mutual Insurance | $70 | $846 | 14% |
MMG offers the lowest minimum-coverage price at $354 a year, which breaks down to $29 a month. That’s 34% below the New Hampshire average. Switching from GEICO’s $428 annual rate to MMG saves you $74 a year, which covers almost three months of premiums.
Other low-cost choices include Safety Insurance at $371 annually, Vermont Mutual at $377 and MAPFRE at $386.
| MMG Insurance | $29 | $354 | 34% |
| Safety Insurance | $31 | $371 | 31% |
| Vermont Mutual Insurance | $31 | $377 | 30% |
| Mapfre Insurance | $32 | $386 | 28% |
| Geico | $36 | $428 | 20% |
Geography plays a big role in pricing. MMG offers the lowest rates in ten New Hampshire cities, including Concord, Goffstown, Hudson, Keene, Laconia, Londonderry, Merrimack, Rochester and Salem.
Safety Insurance is the cheapest option in Portsmouth and Dover. GEICO leads in Bedford, Manchester and Nashua. MAPFRE comes out on top in Derry and Milford.
Rochester drivers get MMG’s best deal with $29 a month for minimum coverage and $55 for full coverage, both about 37% below the city average. In Manchester, GEICO is the most affordable at $42 for minimum coverage and $76 for full.
| Bedford | Geico | $36 | $66 | 28% |
| Concord | MMG Insurance | $32 | $60 | 28% |
| Derry | Mapfre Insurance | $35 | $77 | 24% |
| Dover | Safety Insurance | $35 | $71 | 27% |
| Goffstown | MMG Insurance | $35 | $66 | 28% |
| Hudson | MMG Insurance | $34 | $64 | 31% |
| Keene | MMG Insurance | $30 | $56 | 26% |
| Laconia | MMG Insurance | $29 | $55 | 34% |
| Londonderry | MMG Insurance | $34 | $64 | 31% |
| Manchester | Geico | $42 | $76 | 28% |
| Merrimack | MMG Insurance | $30 | $56 | 35% |
| Milford | Mapfre Insurance | $30 | $66 | 26% |
| Nashua | Geico | $36 | $67 | 28% |
| Portsmouth | Safety Insurance | $29 | $66 | 26% |
| Rochester | MMG Insurance | $29 | $55 | 37% |
| Salem | MMG Insurance | $38 | $72 | 27% |
Teen drivers in New Hampshire see the cheapest rates from Concord Group at age 16, with premiums at $159 a month. At ages 17 and 18, MMG becomes the lowest-cost option at $153 and $134 monthly. GEICO takes the lead for 19 and 20-year-olds, giving young adults the best prices at $95 and $84. By 25, MAPFRE offers the lowest rate at $45 a month.
These shifts reflect how insurers approach different age brackets. Teens under 18 need a parent or guardian to cosign, so most families simply add them to an existing policy.
Note: Teen driver rules can differ by state and insurer. Check with your insurance company about specific requirements and available discounts.
Senior drivers in New Hampshire see some of the best rates from Concord Group, which charges $52 a month for minimum coverage and $55 for full coverage for 65-year-olds. MAPFRE offers the lowest prices for 70-year-olds at $39 a month for minimum coverage and $78 for full coverage.
Rates remain steady with age, as 80-year-olds with MAPFRE pay $52 a month for minimum coverage and $105 for full coverage. These providers come in 25% to 48% below New Hampshire’s typical costs for seniors.
| 65 | Concord Group | $52 | $55 | 48% |
| 70 | MAPFRE | $39 | $78 | 28% |
| 80 | MAPFRE | $52 | $105 | 25% |
MMG offers the lowest minimum-coverage rate after a DUI at $53 a month, with Progressive close behind at $58. For full coverage, the order reverses because Progressive leads at $89 a month while MMG charges $100.
MAPFRE lists $72 a month for minimum coverage and $112 for full coverage. Auto-Owners charges $66 for minimum and $129 for full coverage. GEICO costs $68 for minimum coverage and $130 for full coverage.
| Progressive | $58 | $89 | 35% |
| MMG Insurance | $53 | $100 | 32% |
| Mapfre Insurance | $72 | $112 | 19% |
| Auto Owners | $66 | $129 | 14% |
| Geico | $68 | $130 | 13% |
Drivers needing an SR-22 will find low minimum-coverage rates from GEICO and MMG, which charge $52 and $53 a month. Both also set full-coverage SR-22 rates at $94 monthly, about 30% below New Hampshire’s average.
MAPFRE charges $53 a month for minimum coverage and $106 for full coverage. Safety Group lists $58 for minimum and $121 for full. Vermont Mutual charges $60 for minimum coverage and $122 for full coverage.
| GEICO | $52 | $94 | 30% |
| MMG Insurance | $53 | $94 | 29% |
| MAPFRE | $53 | $106 | 23% |
| Safety Group | $58 | $121 | 14% |
| Vermont Mutual | $60 | $122 | 12% |
State Farm provides affordable non-owner insurance at $52 per month, coming in 23% below the state average. This type of policy helps if you're reinstating your license, filing an SR-22 without owning a car or renting vehicles regularly.
Non-owner policies cover liability only, meaning they pay for damage you cause to others but not the car you’re driving. GEICO lists $68 a month for comparable coverage.
| State Farm | $52 | 23% |
| GEICO | $68 | 0% |
Vermont Mutual has the lowest rates after an accident at $31 a month for minimum coverage, which is 44% below New Hampshire’s average. Its full coverage rate is $70 a month. State Farm is the highest here at $104 a month for full coverage.
After an at-fault accident, rates often rise 20% to 40% and stay higher for three to five years. MAPFRE charges $40 a month for minimum coverage and $80 for full coverage post-accident.
| Vermont Mutual Insurance | $31 | $70 | 44% |
| Mapfre Insurance | $40 | $80 | 35% |
| MMG Insurance | $47 | $89 | 26% |
| Geico | $50 | $100 | 18% |
| State Farm | $48 | $104 | 17% |
Safety Insurance offers low rates for drivers with a speeding ticket, charging $31 a month for minimum coverage, or $371 a year. Its full coverage rate is $70 a month. MAPFRE runs $80 a month for full coverage, while Auto-Owners and MMG both list $85 monthly.
GEICO charges $81 a month for full coverage. The $180 yearly gap between Safety Insurance and MMG can make a real difference when you’re already dealing with ticket costs.
| Safety Insurance | $31 | $70 | 34% |
| Mapfre Insurance | $40 | $80 | 22% |
| Geico | $41 | $81 | 20% |
| Auto Owners | $44 | $85 | 16% |
| MMG Insurance | $45 | $85 | 15% |
Drivers with poor credit will find some of the lowest rates with MAPFRE, which charges $467 a year for minimum coverage, or $39 a month. Full coverage is $85 monthly, giving you a $7 monthly savings compared with MMG, which charges $92. That adds up to $84 saved over the course of a year.
MMG runs $44 a month for minimum coverage and $92 for full coverage. Safety Insurance costs $46 a month for minimum and $104 for full coverage. Vermont Mutual lists $51 a month for minimum and $119 for full coverage.
| Mapfre Insurance | $39 | $85 | 59% |
| MMG Insurance | $44 | $92 | 55% |
| Safety Insurance | $46 | $104 | 50% |
| Vermont Mutual Insurance | $51 | $119 | 44% |
| Geico | $87 | $199 | 6% |
Your ZIP code, driving history, age and credit score all influence what you pay for car insurance. MMG offers minimum coverage at $29 a month and full coverage at $55. Comparing quotes and using discounts can lead to lots of savings each year.
New Hampshire has a mix of strong regional insurers and big national companies. MMG, Safety, and Vermont Mutual often beat large carriers in many metro areas. It helps to compare at least three to five insurance companies when shopping for a policy.
MoneyGeek's car insurance calculator gives you quick estimates without needing personal details. You get side-by-side comparisons based on your ZIP code and driving profile, making it easier to see which insurers offer real value in New Hampshire.
Bundle home and auto for 5% to 25% off. Multiple cars knock another 10% to 25% off your base rate. These stack, so a two-car household bundling home and auto can save 40% or more.
Good student discounts reward decent grades with 10% to 15% off. Defensive driving courses cut rates similarly, especially valuable if you're over 55. Low-mileage programs slash 15% to 30% when you drive fewer miles annually.
Bumping deductibles from $500 to $1,000 drops premiums 10% to 15%. Travelers charges about $82 monthly with $500 deductibles but only $67 monthly at $1,000 deductibles, saving you $180 yearly. Go higher only if you can stomach that deductible when you need to file a claim.
Limited tort costs less but restricts your ability to pursue pain and suffering claims. Note that liability coverage doesn't include deductibles because deductibles apply only to collision and comprehensive coverage.
Figure out how much coverage makes sense based on what you own and what you can afford to lose.
In New Hampshire, car insurance isn’t legally required. Only New Hampshire and Virginia make coverage optional. Even so, most drivers still choose to carry it and follow the state minimum requirements, which use 25/50/25 liability limits: $25,000 per person for bodily injury, $50,000 per accident and $25,000 for property damage.
Getting married, moving between New Hampshire cities or adding another car can open the door to new discounts. Thanks to city-to-city rate variations, a move from Manchester to Nashua can cut about $50 from your monthly costs. It’s worth reviewing your policy after major life changes to make sure you’re getting every discount available.
Switching carriers is also quick, often taking just 15 minutes online. Most insurers now handle the full process digitally, from quoting to activating your coverage.
New Hampshire's Automobile Insurance Plan Service Office (AIPSO) handles drivers standard insurers reject. This assigned risk pool accepts high-risk applications when commercial carriers say no. You'll pay more than standard rates, but AIPSO ensures you can get legal coverage while fixing your driving record.
If you’re trying to figure out which auto coverage fits your needs and budget in New Hampshire, you’ll find quick, clear answers here from our insurance experts.
New Hampshire car insurance rates vary widely depending on your location and coverage level. Drivers pay between $800 and $1,500 annually for minimum coverage, while full coverage ranges from $1,200 to $2,400 per year. Urban areas like Manchester and Nashua generally see higher premiums than rural communities due to increased accident risks and theft rates.
For detailed rate comparisons across New Hampshire cities and coverage options, check out our comprehensive New Hampshire car insurance costs analysis.
The cheapest insurance isn't always your best bet. Ensure it offers adequate financial protection for major accidents. Erie Insurance delivers excellent value with competitive rates and comprehensive coverage in New Hampshire.
New Hampshire uniquely allows financially responsible drivers to operate vehicles without insurance, though most drivers choose coverage. The state operates under a traditional fault-based system, meaning the at-fault driver's insurance pays for damages.
When drivers do purchase insurance, they must meet minimum liability requirements of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Meeting these minimums keeps you legal, but higher coverage provides better financial protection.
New Hampshire operates as an at-fault state, not a no-fault system. When accidents occur, the driver who causes the crash bears financial responsibility for resulting injuries and property damage.
It requires drivers to carry liability insurance or prove financial responsibility through other means like bonds or deposits. Injured parties can file lawsuits against at-fault drivers to recover compensation for medical expenses, lost wages, and other damages.
New Hampshire permits providers to use gender when setting car insurance rates, so young male drivers often pay higher premiums than young female drivers with similar coverage and driving records. Some providers in the state choose not to use gender as a rating factor.
Note: State rating rules can change and insurers may follow different guidelines depending on their filings. Check current New Hampshire insurance regulations or speak with your provider for the most accurate and up-to-date information.
Our Research Approach
New Hampshire drivers deal with a unique situation: the state doesn't require car insurance at all. Despite this, most drivers buy coverage anyway to protect themselves financially. We designed this research to show what voluntary insurance costs across New Hampshire and which companies offer the best value for drivers who choose protection over going bare.
We gathered rate data from the New Hampshire Department of Insurance and Quadrant Information Services, comparing quotes from 12 major insurers across more than 200 million scenarios covering every residential ZIP code statewide.
How We Built Our Sample
Our rate quotes assume a 40-year-old with clean credit and no driving violations. This baseline lets you see what companies charge before adjusting for your personal factors like tickets, accidents or credit score. Your actual rate will differ based on your specific profile.
What Coverage We Tested
We examined two insurance scenarios:
Basic liability: $25,000/$50,000/$25,000 limits - covering injuries you cause to others ($25K per person, $50K total per accident) and property damage ($25K). New Hampshire doesn't mandate this, but these limits match what drivers usually buy when choosing voluntary coverage.
Comprehensive protection: $100,000/$300,000/$100,000 liability plus collision and comprehensive with $1,000 deductibles. This protects both your liability to others and damage to your own vehicle from accidents, theft or weather.
Why Your Location Matters
Insurance costs shift across New Hampshire. Drivers in Portsmouth face different rates than those in Concord or rural Coos County, even with identical coverage and driving records. Our ZIP-level data reveals these local pricing patterns.
See our complete methodology page for additional details.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
