Car Insurance in New Hampshire: How to Find the Policy That Fits You

MoneyGeek provides solutions to all your concerns related to car insurance in New Hampshire.

Find the Best or Cheapest Car Insurance in New Hampshire

To help you locate the cheapest insurers in New Hampshire, MoneyGeek gathered and analyzed quotes from different insurers. MoneyGeek has its own rating system used for identifying the best companies that strike a balance between cost and affordability. Additionally, MoneyGeek broke down the insurance costs based on different factors, including age, driving record and more.

The aforementioned resources discuss the best and cheapest car insurance for different types of drivers. The table below gives you a short overview of everything you'll find. Note that, unless explicitly stated, all recommendations apply to full coverage policies.

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THE CHEAPEST CAR INSURANCE COMPANIES IN NEW HAMPSHIRE
  • Minimum liability: Amica Mutual
  • Full coverage: Progressive
  • Drivers with a DUI: Progressive
  • After an accident: USAA
  • Drivers with a ticket: GEICO
  • Drivers with bad credit: Concord Group
  • Senior drivers: Concord Group
  • Student drivers: Progressive
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THE BEST CAR INSURANCE COMPANIES IN NEW HAMPSHIRE
  • Overall: GEICO
  • Customer Service: Allstate
  • On a Budget: GEICO
  • Poor Driving Record: GEICO
  • Military: USAA
  • Young Drivers: Progressive
  • New Cars: Allstate
  • Low-Mileage Drivers: Nationwide

Get a New Hampshire Car Insurance Quote

According to our research, car insurance premiums in New Hampshire can differ by as much as $803 per year depending on the company. Because of the potential savings, it is recommended that you compare quotes from different providers. Luckily, the process of collecting estimates shouldn't take long.

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Car Insurance Laws in New Hampshire

MoneyGeek has all you need to know about New Hampshire car insurance rules and regulations. The following coverages are mandatory in the state:

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

While the list of New Hampshire’s required coverage limits is relatively longer than average, it does not include comprehensive and collision insurance. Therefore, the amount of insurance coverage you need may differ from how much coverage you should buy.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN NEW HAMPSHIRE?

Drivers who have committed serious traffic infractions in New Hampshire, such as a DUI, must file an SR-22 form as proof of insurance. MoneyGeek broke down the price of SR-22 insurance in New Hampshire and explained how to complete the paperwork with your insurer.

Specialty Car Insurance in New Hampshire

Traditional car insurance may not always be the best option depending on your circumstances. To help you find the best policy, MoneyGeek analyzed different types of auto insurance available in New Hampshire, from non-owner car insurance and temporary car insurance to low-income car insurance. Learn more about these less commonly used car insurance types in the state.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

Non-owner car insurance in New Hampshire is an excellent alternative for individuals who don't own a car but require a document that serves as proof of insurance.

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Temporary car insurance

You may get temporary car insurance in New Hampshire by buying and canceling a policy early or purchasing rental car insurance. This is a good option for those who rent cars frequently or just use a car for a few months.

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Car insurance for low-income drivers

Most states, including New Hampshire, don't offer government programs for low-income drivers. Fortunately, MoneyGeek discovered various ways to help save on car insurance for low-income drivers.

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.