Cheapest and Best Non-Owner Car Insurance in New Hampshire (2024)

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ByMark Fitzpatrick
Edited byCasie McCoskey
ByMark Fitzpatrick
Edited byCasie McCoskey

Updated: May 20, 2024

Advertising & Editorial Disclosure

Non-owner car insurance provides auto liability coverage for drivers who do not own a car but need protection on the road. This insurance is ideal for those who frequently borrow vehicles or must maintain continuous auto insurance coverage between cars. It can also help drivers with DUIs or other severe violations reinstate their suspended or revoked licenses.

In New Hampshire, drivers can depend on State Farm for the most affordable non-owner car insurance policies, offering the perfect balance between cost-effectiveness and outstanding service. State Farm also provides the cheapest rates to drivers seeking non-owner car insurance after a violation.

MoneyGeek Logo IconNon-OwnerCar InsuranceNew Hampshire

Why Trust MoneyGeek? MoneyGeek sourced New Hampshire data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

80Plans Analyzed
5Providers Compared

Cheapest Non-Owner Car Insurance in New Hampshire

State Farm offers New Hampshire’s most affordable non-owner car insurance, regardless of whether or not you have a clean driving record.

  • Drivers with clean records: State Farm ($21 per month)
  • Drivers with violations: State Farm ($27 per month)

Drivers with a violation on their record, such as a DUI or an at-fault accident, should anticipate an increase in insurance premiums. Drivers with spotless records pay an average of $6 less a month for non-owner insurance than drivers with a traffic offense.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in New Hampshire

State Farm and GEICO provide the cheapest average non-owner auto insurance policies for New Hampshire residents with clean driving records.

  • State Farm: $21 per month
  • GEICO: $30 per month

USAA offers an even lower monthly average rate of $14, but this company only provides services to military community members. The average rate for non-owner car insurance from the cheapest providers in New Hampshire costs $26 monthly, far more reasonable than the national average of $43.

State FarmCheapest Annual Premium$255Cheapest Monthly Premium$21
GEICOCheapest Annual Premium$362Cheapest Monthly Premium$30
ProgressiveCheapest Annual Premium$471Cheapest Monthly Premium$39
NationwideCheapest Annual Premium$595Cheapest Monthly Premium$50
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Non-owner car insurance coverage requirements in New Hampshire adhere to the same minimum liability limits as standard car insurance. The state’s mandate requires the following:

  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $25,000 for property damage liability per accident
  • $25,000 for uninsured/underinsured motorist bodily injury per person
  • $50,000 for uninsured/underinsured motorist bodily injury per accident
  • $25,000 for uninsured/underinsured motorist property damage liability per accident

While these terms fulfill the legal requirements, minimum coverage insurance may not provide sufficient financial protection for every driver. Carefully considering how much car insurance you need is crucial before committing to a policy.

Cheapest Non-Owner SR-22 Car Insurance in New Hampshire

State Farm and GEICO are the most affordable providers for drivers seeking affordable SR-22 coverage in New Hampshire.

  • State Farm: $27 per month
  • GEICO: $44 per month

The Granite State’s military community can obtain low-cost non-owner SR-22 insurance through USAA at an average of $21 monthly. Drivers with severe violations, such as at-fault accidents, may be required to file an SR-22. These traffic offenses can cause your insurance rates to spike. However, the average monthly cost for cheap non-owner car insurance for New Hampshire drivers with violations is $36, far below the national average of $59.

State FarmCheapest Annual Premium$326Cheapest Monthly Premium$27
GEICOCheapest Annual Premium$530Cheapest Monthly Premium$44
ProgressiveCheapest Annual Premium$783Cheapest Monthly Premium$65
NationwideCheapest Annual Premium$807Cheapest Monthly Premium$67
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People often refer to an SR-22 as "SR-22 car insurance," but it is not a type of insurance policy. In reality, it is a form filed by your insurance provider that confirms you possess the necessary insurance coverage mandated by your state after a severe traffic violation. The SR-22 in New Hampshire is proof of financial responsibility, ensuring drivers meet their state's minimum liability requirements.

What Is Non-Owner Car Insurance?

Companies offer non-owner car insurance policies for individuals who regularly operate vehicles they do not own, such as rental or borrowed cars. In New Hampshire, this policy provides liability coverage for property damage or bodily injury to others in an at-fault accident. However, it does not cover damages to the driven vehicle or the policyholder's injuries. Refer to the table below for the distinctions between non-owner car insurance and full coverage policies.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in New Hampshire

In New Hampshire, the average monthly cost of non-owner car insurance is $31, notably cheaper than the national average of $43 per month. However, factors such as age, vehicle make and model and driving history can significantly impact car insurance premiums, often more so than your location.


Best Non-Owner Car Insurance in New Hampshire

New Hampshire’s top non-owner auto insurance providers are:

  • State Farm: MoneyGeek score of 68 out of 100 ($21 per month)
  • GEICO: MoneyGeek score of 58 out of 100 ($30 per month)
  • Progressive: MoneyGeek score of 52 out of 100 ($39 per month)

MoneyGeek's ranking examines cost-effectiveness, J.D. Power's customer satisfaction scores and AM Best's financial strength assessments of New Hampshire insurers. We reviewed the three leading companies to assist you in selecting the ideal provider for your needs.

MoneyGeek Top Pick
State Farm

State Farm is well-regarded for its affordable auto insurance policies that provide options for a diverse range of drivers. The company offers deals to help customers save even more on their auto insurance, including discounts for bundling, safe driving, installing anti-theft systems, practicing defensive driving and airbags.

Our study found that State Farm has an average customer satisfaction rating and received more complaints than most insurance companies nationwide. However, its robust financial stability means you can rely on this provider to pay claims promptly.

Read the full State Farm car insurance review.


GEICO's auto insurance policies are competitively priced, catering to drivers from diverse backgrounds. The company's direct-to-consumer sales model helps reduce costs by lowering dealership expenses. GEICO also offers numerous discounts, such as deals for safe driving, good student performance and military service, assisting policyholders to save on their premiums. The company also received an above-average rating for customer satisfaction from J.D. Power.

Read the full GEICO car insurance review.

Third Place

Progressive's auto insurance rates are reasonable for most drivers. However, it is worth noting that the company's premiums tend to be higher for young drivers, which may affect affordability for this demographic. Its customer satisfaction score is also average, which is something to keep in mind if you seek top-notch support. Nonetheless, Progressive has a stable financial foundation and can reliably fulfill its policyholders' claims.

Read the full Progressive car insurance review.

Should You Get Non-Owner Car Insurance in New Hampshire?

Non-owner car insurance policies cater to a specific demographic of motorists who do not own vehicles but still require coverage for occasional driving. The following list outlines the types of drivers who may benefit from these policies.

Who Should Consider Non-Owner Car Insurance?

    carColored icon

    Car borrowers

    A non-owner car insurance policy offers essential liability coverage for car borrowers, safeguarding both the borrower and car owner in case of accidents or damages. This supplementary protection provides peace of mind for both parties, enabling the borrower to drive responsibly without impacting the car owner's insurance policy.

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    Occasional renters

    Non-owner car insurance policies extend liability coverage that complements insurance provided by rental car companies. This extra coverage helps renters avoid expensive fees and potential protection gaps, saving money and ensuring financial security when traveling.

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    Drivers between cars

    Drivers in transitional periods without a vehicle but planning to purchase one in the future may benefit from non-owner car insurance policies. These plans maintain continuous liability coverage and preserve the driver's insurance history, potentially leading to lower premiums when purchasing standard insurance for a new car.

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    License reinstatement seekers

    Non-owner car insurance policies demonstrate a driver's financial responsibility and commitment to safe driving practices, making them valuable for drivers seeking license reinstatement. Drivers can fulfill the state’s requirements and confidently work towards regaining their driving privileges by obtaining liability coverage through a non-owner policy.

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Try to steer clear of providers offering "one-day insurance," as this is not an actual product available in the state and could be an insurance scam. For temporary car insurance in New Hampshire, such as during a move or a road trip, we recommend purchasing rental car insurance directly from the car rental company, ensuring legitimate coverage and avoiding fraud.

Frequently Asked Questions About Non-Owner Car Insurance in New Hampshire

Read up on the following frequently asked questions and answers to gain a better understanding of non-owner car insurance policies in New Hampshire.

Which company offers the cheapest non-owner car insurance in New Hampshire?
Which companies offer non-owner car insurance with the best mix of quality and affordability in New Hampshire?
How much does non-owner car insurance cost in New Hampshire?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.