Best Cheap Car Insurance in New Hampshire (2024)
- Hanover is the best company for cheap car insurance in New Hampshire. Its rates are the cheapest in most driver and coverage areas.
- Concord has the cheapest rates for drivers with bad credit.
- State Farm also offers affordable rates for most driver and coverage types.
Cheapest car insurance companies in New Hampshire
Its average rates are the state’s lowest for young drivers, as well as adult drivers with a speeding ticket, accident or DUI. It also has the cheapest rates for adults with clean driving records who want liability-only or full-coverage policies.
Concord is the best company for cheap rates for New Hampshire drivers with bad credit.
| Coverage/driver type | Cheapest company | Annual rate |
|---|---|---|
| Full coverage | Hanover | $681 |
| Liability coverage | Hanover | $187 |
| Young driver (full coverage) | Hanover | $1,181 |
| Young driver (liability only) | Hanover | $420 |
| Speeding ticket | Hanover | $681 |
| Accident | Hanover | $1,036 |
| DUI | Hanover | $994 |
| Poor credit | Concord | $1,393 |
A great way to get the cheapest car insurance for your needs and situation is to compare car insurance quotes from several companies while you look for coverage.
Cheapest full-coverage car insurance in New Hampshire: Hanover
USAA’s average full-coverage rate is close behind at $61 a month. However, only members of the military and their families can buy car insurance from USAA.
| Company | Annual rate | LendingTree score |
|---|---|---|
| Hanover | $681 |  |
| Concord | $952 |  |
| State Farm | $1,004 | |
| Progressive | $1,162 | |
| Geico | $1,323 |  |
| Allstate | $2,164 |  |
| USAA* | $737 | |
The average cost of full-coverage car insurance in New Hampshire is $1,146 a year, or $96 a month.
Full coverage includes collision and comprehensive insurance, which protects your vehicle from damage and theft. State law doesn’t require full coverage, though you’ll usually need to get it for a car loan or lease.
New Hampshire’s cheapest liability car insurance: Hanover
There’s more to Hanover than affordable rates, though. It also offers several worthwhile add-on coverages, like accident forgiveness and roadside assistance.
| Company | Annual rate |
|---|---|
| Hanover | $187 |
| State Farm | $394 |
| Concord | $484 |
| Geico | $619 |
| Progressive | $675 |
| Allstate | $1,128 |
| USAA* | $270 |
In New Hampshire, the average cost of liability car insurance is $537 a year, or $45 a month.
Liability car insurance protects you if you cause injuries to others in a car accident. It also pays for damage you may cause to another person’s car or property. However, it doesn’t cover your own injuries or damage to your own car.
Cheapest rates for young drivers in New Hampshire: Hanover
You might get an even lower rate from Hanover if you qualify for its good student discount.
| Company | Liability only | Full coverage |
|---|---|---|
| Hanover | $420 | $1,181 |
| Concord | $1,011 | $1,863 |
| State Farm | $1,331 | $3,282 |
| Geico | $1,652 | $3,636 |
| Allstate | $2,317 | $4,039 |
| Progressive | $2,693 | $5,676 |
| USAA* | $922 | $2,499 |
Another way to save money as a teen or young driver is to get added to a parent’s car insurance policy. You’ll often pay less this way than you would if you bought your own policy.
The average New Hampshire teen pays $123 a month for liability coverage and $264 a month for full coverage.
Cheapest rates after a speeding ticket in New Hampshire: Hanover
USAA is a good choice, too, if you have ties to the military. Its average rate for drivers after a speeding ticket is $71 a month.
| Company | Annual rate |
|---|---|
| Hanover | $681 |
| State Farm | $1,004 |
| Concord | $1,281 |
| Progressive | $1,567 |
| Geico | $1,651 |
| Allstate | $2,490 |
| USAA* | $850 |
In New Hampshire, a speeding ticket increases the cost of auto insurance by 19%, on average, to $113 a month.
Cheapest rates after an accident in New Hampshire: Hanover
USAA offers an average rate that’s just as low, but you need military ties to take advantage of it.
| Company | Annual rate |
|---|---|
| Hanover | $1,036 |
| State Farm | $1,147 |
| Concord | $1,394 |
| Progressive | $1,893 |
| Geico | $2,473 |
| Allstate | $3,206 |
| USAA* | $1,035 |
The average price of car insurance for a driver with a prior accident in New Hampshire is $145 a month. This is 51% more than the rate you pay with a clean record.
Best rates after a DUI in New Hampshire: Hanover
The average cost of car insurance after a DUI in New Hampshire is $176 a month. This is 83% more than what the average driver with a clean record pays.
| Company | Annual rate |
|---|---|
| Hanover | $994 |
| Progressive | $1,371 |
| Concord | $1,675 |
| Allstate | $2,752 |
| Geico | $2,868 |
| State Farm | $3,926 |
| USAA* | $1,203 |
Best rates for New Hampshire drivers with bad credit: Concord
Progressive is second, with rates averaging $147 a month, then Geico at $163.
Drivers in New Hampshire with poor credit pay $187 a month for car insurance, on average. This is 95% more than what drivers with good credit pay.
| Company | Annual rate |
|---|---|
| Concord | $1,393 |
| Progressive | $1,766 |
| Geico | $1,951 |
| Hanover | $2,116 |
| Allstate | $2,959 |
| State Farm | $4,228 |
| USAA* | $1,297 |
Insurance companies often charge people with poor credit higher car insurance rates because they believe your payment history and credit usage show how likely you are to file a claim.
Best car insurance companies in New Hampshire
Hanover charges the state’s cheapest car insurance rates in most categories and also has one of the best complaint ratings. This means it receives fewer customer complaints than expected for a company of its size.
Concord also charges affordable rates to New Hampshire drivers and has an even better complaint rating than Hanover. Both companies have good LendingTree scores, too.
| Company | J.D. Power customer satisfaction** | NAIC Complaint Index*** | LendingTree score |
|---|---|---|---|
| Concord | Not rated | 0.21 | |
| Hanover | Not rated | 0.49 | |
| Progressive | 620 | 0.72 | |
| State Farm | 664 | 0.78 | |
| USAA* | 741 | 0.99 | |
**Higher is better, ***Lower is better
State Farm and USAA have the best J.D. Power customer satisfaction scores of the companies we surveyed, with both being above the region’s average score of 637.
Cost of car insurance in New Hampshire
The amount of coverage you buy impacts what you pay for a car insurance policy, but so do other factors. Some other examples are your:
- Age
- Gender
- Driving record
- Vehicle make, model and age
- Mileage
- ZIP code
New Hampshire auto insurance rates by city
Drivers in Keene and Claremont also pay cheap car insurance rates that average $90 and $91 a month, respectively.
Manchester drivers pay the highest car insurance rates of New Hampshire’s largest cities. Its average rate is $112 a month.
| City | Annual rate |
|---|---|
| Claremont | $1,093 |
| Concord | $1,134 |
| Conway | $1,117 |
| Derry | $1,306 |
| Dover | $1,136 |
| Durham | $1,158 |
| East Merrimack | $1,209 |
| Exeter | $1,169 |
| Goffstown | $1,253 |
| Hampton | $1,159 |
| Hanover | $1,069 |
| Hooksett | $1,251 |
| Hudson | $1,299 |
| Keene | $1,078 |
| Laconia | $1,156 |
| Lebanon | $1,072 |
| Londonderry | $1,278 |
| Manchester | $1,340 |
| Merrimack | $1,209 |
| Milford | $1,187 |
| Nashua | $1,246 |
| North Salem | $1,287 |
| Portsmouth | $1,146 |
| Raymond | $1,174 |
| Rochester | $1,124 |
| Salem | $1,287 |
| Somersworth | $1,120 |
How to get cheap car insurance in New Hampshire
Other ways to get cheap car insurance:
- Consider usage-based insurance
- Improve your credit score
- Clean up your driving record
Car insurance laws in New Hampshire
New Hampshire state law requires drivers to prove financial responsibility after an at-fault accident. Most drivers do this by buying car insurance.
If you buy car insurance in New Hampshire, you must get at least 25/50/25 liability coverage limits, the same amount of uninsured motorist (UM) coverage and $1,000 of medical payments coverage.
New Hampshire’s car insurance requirements
| Coverage type | Minimum amount needed |
|---|---|
| Bodily injury (per person) | $25,000 |
| Bodily injury (for two or more people) | $50,000 |
| Property damage | $25,000 |
| UM bodily injury (per person) | $25,000 |
| UM bodily injury (for two or more people) | $50,000 |
| UM property damage | $25,000 |
| Medical payments | $1,000 |
SR-22 car insurance in New Hampshire
You may need to file an SR-22 certificate with the New Hampshire Division of Motor Vehicles after:
- A DUI
- Leaving the scene of an accident
- A second (or later) reckless driving offense
Filing an SR-22 proves you have enough insurance or other funds to meet the state’s minimum coverage requirements if you cause an accident.
You need to file an SR-22 with the state for at least three years in New Hampshire.
Frequently asked questions
You need car insurance in New Hampshire if you can’t prove you have enough money to pay for damages if you cause an accident.
If you decide to buy car insurance, you need to get at least 25/50/25 liability coverage limits, the same amount of uninsured motorist coverage and $1,000 of medical payments coverage.
The average cost of car insurance in New Hampshire is $537 a year, or $45 a month, for liability coverage. For full coverage, the average cost is $1,146 a year, or $96 a month.
Most New Hampshire drivers will find the cheapest car insurance from Hanover. Hanover charges the state’s cheapest average rates for most driver and coverage types. Concord offers the lowest rates to drivers with bad credit.