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

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.

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.

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 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.

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.

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.

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.

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.

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