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Non-OwnerCar InsuranceNew HampshireCheapest and Best Non-Owner Car Insurance in New Hampshire (2023)
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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.
Non-OwnerCar InsuranceNew HampshireTable of Contents
Cheapest With a Clean Record - State Farm
Cheapest With an Offense - State Farm
Best Non-Owner Car Insurance - State Farm
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.
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NEW HAMPSHIRE MINIMUM INSURANCE REQUIREMENTS
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.
WHAT IS SR-22 INSURANCE?
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 | Non-Owner |
|---|---|---|
Liability insurance |  | |
Medical payments | | |
Personal injury protection | | |
Uninsured/underinsured motorist | | |
Rental car liability | | |
Collision | | |
Comprehensive | |
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.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43New Hampshire Average Cost
Monthly Premium
$31On average, non-owner car insurance in New Hampshire is:$12 saved
This is 28% less expensive.
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.
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.
GEICO
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.
Progressive
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.
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?
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.
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.
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.
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.
ONE-DAY CAR INSURANCE
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.
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