Non-Owner Car Insurance in New Hampshire: The Cheapest Options and What You Need to Know

The average cost of non-owner car insurance in New Hampshire is $345 per year. GEICO provides the cheapest coverage at an average price of $91 annually. MoneyGeek’s guide will teach you how non-owner car insurance works in New Hampshire and which insurers offer the most affordable prices in the state.

REVIEW AUTO INSURANCE RATES

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 8/16/2022

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.

tip icon

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

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $91
    $8
  • USAA
    $115
    $10
  • State Farm
    $267
    $22
  • Progressive
    $289
    $24
  • Nationwide
    $633
    $53
  • MetLife
    $672
    $56
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

How Much Is Non-Owner Car Insurance in New Hampshire?

0
0

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

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $200
    $17
  • GEICO
    $220
    $18
  • State Farm
    $268
    $22
  • Progressive
    $328
    $27
  • Nationwide
    $696
    $58
  • MetLife
    $974
    $81
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

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.

tip icon
MONEYGEEK EXPERT TIP

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.