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

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.

TABLE OF CONTENTS

1. Cheapest Non-Owner Car Insurance
2. Cheapest Non-Owner SR-22 Car Insurance
3. What is Non-Owner Car Insurance
4. Who Should Get Non-Owner Car Insurance

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?

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

Show more

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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.

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

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.

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

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: