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Non-owner car insurance is ideal for drivers who don’t own a car but regularly drive rental vehicles or use car-sharing services. It can also be used as proof of insurance to get your license reinstated.

Non-owner car insurance in New Hampshire costs roughly $345 for a driver with a clean record and around $448 for a driver with prior violations such as a DUI.

MoneyGeek reviewed quotes from several insurers to help you find cheap non-owner car insurance companies in New Hampshire. We also explain when it’s necessary to buy this type of policy and when it isn’t.

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Cheapest Non-Owner Car Insurance Companies in New Hampshire

Non-owner car insurance is cheaper than standard car insurance, but you can still save more by comparing costs between insurers.

On average, MoneyGeek found the two cheapest non-owner car insurance companies in New Hampshire are:

  • GEICO: $91 annually
  • State Farm: $267 annually

The second cheapest option in New Hampshire is USAA, with average annual premiums of $115. However, it is only available if you have a military background.

The most expensive insurance provider is Metlife, with annual premiums averaging $672.

MoneyGeek used a sample profile of a 40-year-old male driver with non-owner car insurance in New Hampshire. Policy limits are detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in New Hampshire

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $91
    $8
  • USAA
    $115
    $10
  • State Farm
    $267
    $22
  • Progressive
    $289
    $24
  • Nationwide
    $633
    $53
  • MetLife
    $672
    $56
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How Much Is Non-Owner Car Insurance in New Hampshire?

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The average cost of non-owner car insurance in New Hampshire is $345 annually, while regular car insurance costs an average of $440 per year. However, a traffic violation like a DUI can increase these rates significantly.

If you have a DUI, you will pay around $448 yearly for non-owner car insurance, while regular car insurance will cost you about $829 per year.

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

If you don’t own a car and need to file an SR-22 to get your license reinstated, non-owner SR-22 car insurance may be the most affordable option for you. You may be required to file an SR 22 in New Hampshire after a major traffic offense such as a DUI.

On average, MoneyGeek found the two companies in New Hampshire offering the most affordable non-owner car insurance for drivers with a DUI include:

  • GEICO: $220 annually
  • State Farm: $268 annually

If you are in the military, USAA is your cheapest option and costs an average of $200 yearly.

MetLife offers the most expensive non-owner car insurance for drivers with a DUI in New Hampshire. A policy from MetLife costs an average of $974 annually.

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

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $200
    $17
  • GEICO
    $220
    $18
  • State Farm
    $268
    $22
  • Progressive
    $328
    $27
  • Nationwide
    $696
    $58
  • MetLife
    $974
    $81
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What Is Non-Owner Car Insurance in New Hampshire?

Non-owner car insurance, also known as non-owner liability insurance, is the best option for you if you drive regularly but don’t own a car. It includes liability insurance and the state’s minimum insurance requirements.

Keep in mind that non-owner car insurance excludes comprehensive and collision insurance, also called full coverage insurance.

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Non-owner car insurance must meet the minimum coverage requirements in New Hampshire, which are:

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

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

Non-owner car insurance is your best insurance choice if

  • You need to get your license reinstated: After a serious traffic violation such as a DUI, the state may require you to show proof of insurance to get your license reinstated. Non-owner car insurance is cheaper than a standard policy, making it an affordable way to meet this requirement.
  • You frequently rent cars or use car-sharing services: Non-owner car insurance protects you if you cause an accident while driving a rental car. In the long run, it’s cheaper than rental car insurance if you rent vehicles frequently throughout the year.
  • You want to avoid an insurance lapse: If you no longer own a car, you may think you don’t need car insurance. However, it’s wise to buy non-owner car insurance since an insurance lapse can raise your insurance rates in the future.

Who Shouldn’t Get Non-Owner Car Insurance in New Hampshire?

Non-owner car insurance is not required if you borrow a loved one’s car. For example, if you live in Manchester and borrow a friend’s car, you are covered under their insurance policy if they give you permission to use their vehicle.

Non-owner car insurance is also not necessary if you rarely rent cars. For example, if you only rent cars for travel once or twice a year, the insurance you can purchase from the rental car company provides enough coverage at a more affordable price.

How to Get Non-Owner Car Insurance in New Hampshire

All companies listed in this guide offer non-owner car insurance in New Hampshire, but most do not give quotes online. The easiest way to get a quote for a non-owner car insurance policy is to call the insurers directly using the phone numbers listed below.

Contact Non-Owner Car Insurance Companies in New Hampshire
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • Progressive
    888-671-4405
  • Nationwide
    877-669-6877
  • MetLife
    800-422-4272

Frequently Asked Questions About New Hampshire Non-Owner Car Insurance

To help you understand the difference between non-owner car insurance and standard car insurance, MoneyGeek answered some of the most common questions about non-owner car insurance in New Hampshire:

Methodology

MoneyGeek worked with Quadrant Information Services to collect non-owner insurance quotes across New Hampshire. The sample drivers considered are 40 years old. One has a clean driving record, and one has a DUI.

The non-owner car insurance policies gathered meet New Hampshire’s minimum car insurance requirements except for liability insurance for which the policies had:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

We used the same limits for the standard car insurance policies.