Cheapest Car Insurance Quotes in New Hampshire (2024)
Hanover has the best cheap car insurance in New Hampshire, at $57 for full coverage.
Find Cheap Auto Insurance Quotes in New Hampshire
Best cheap car insurance in New Hampshire
How we chose the top companies
Best and cheapest car insurance in New Hampshire
- Cheapest full coverage: Hanover, $57/mo
- Cheapest minimum liability: Hanover, $16/mo
- Cheapest for young drivers: Hanover, $35/mo
- Cheapest after a ticket: Hanover, $57/mo
- Cheapest after an accident: Hanover, $86/mo
- Cheapest for teens after a ticket: Hanover, $35/mo
- Cheapest after a DUI: Hanover, $83/mo
- Cheapest for poor credit: Concord, $116/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Hanover offers the cheapest rates in New Hampshire, along with reliable customer service. You should also compare quotes from Concord and State Farm, which have affordable rates and good service.
State Farm is the best choice in New Hampshire for drivers looking to quickly compare quotes and buy a policy. That's because State Farm offers quotes online. You'll have to call an agent to get a quote from Hanover or Concord.
Cheapest car insurance in New Hampshire: Hanover
Hanover has the cheapest full coverage car insurance for New Hampshire drivers. At $57 per month, a policy from Hanover is $39 cheaper than the statewide average.
Find Cheap Auto Insurance Quotes in New Hampshire
Full coverage car insurance quotes in New Hampshire average $96 per month, or $1,146 per year.
Cheapest full coverage car insurance in NH
While Hanover and Concord have the cheapest rates in the state, you'll need to contact an agent to get a policy. If you need a quote right now, start with online quotes from companies like State Farm, Geico and Progressive. You might qualify for discounts that make these companies even cheaper for you.
Company | Monthly rate | ||
|---|---|---|---|
| Hanover | $57 | |
| Concord | $79 | |
| State Farm | $84 | |
| Progressive | $97 | |
| Geico | $110 | |
*USAA is only available to current and former military members and their families.
Both Concord and State Farm are also good companies if you want to bundle car and home insurance in New Hampshire.
Cheapest liability-only car insurance quotes in New Hampshire: Hanover
At $16 per month, Hanover has the cheapest car insurance for minimum liability quotes. That's 65% cheaper than average.
Cheapest liability insurance in NH
Company | Monthly rate |
|---|---|
| Hanover | $16 |
| State Farm | $33 |
| Concord | $40 |
| Geico | $52 |
| Progressive | $56 |
Veterans and military families may also find affordable car insurance from USAA. Minimum coverage from USAA costs $23 per month. It is the second-cheapest option in the state and has top-notch customer service, if you can get it.
The average cost of car insurance in New Hampshire is $45 per month, or $537 per year, for a liability policy.
Find Cheap Auto Insurance Quotes in New Hampshire
Cheapest car insurance for teen drivers in New Hampshire: Hanover
Hanover has the cheapest quotes for young drivers in New Hampshire.
The average cost of a liability policy from Hanover is $35 per month, which is 72% cheaper than the state average. Hanover also has the best full coverage quotes for teen drivers, averaging just $98 per month.
Best car insurance for young NH drivers
Company | Liability only | Full coverage |
|---|---|---|
| Hanover | $35 | $98 |
| Concord | $84 | $155 |
| State Farm | $111 | $273 |
| Geico | $138 | $303 |
| Allstate | $193 | $337 |
Young drivers pay more for insurance because they tend to get in more accidents. That makes them more expensive to insure because companies may have to pay out more money from claims.
Cheapest car insurance for NH drivers with a speeding ticket: Hanover
Hanover has the best cheap quotes for New Hampshire drivers with a single speeding ticket. At $57 per month for full coverage, most Hanover customers often won't see an increase in their insurance quotes after their first ticket.
Best cheap car insurance in New Hampshire after a ticket
Company | Monthly rate |
|---|---|
| Hanover | $57 |
| State Farm | $84 |
| Concord | $107 |
| Progressive | $131 |
| Geico | $138 |
New Hampshire drivers with a speeding ticket on their record pay 19% more on average than drivers with a clean record.
Speeding tickets generally don't increase your insurance rates as much as accidents do. However, you'll likely pay more if you're caught driving above the speed limit on New Hampshire roads.
Cheapest quotes for NH drivers after an accident: Hanover
At $86 per month, Hanover offers the cheapest full coverage auto quotes for New Hampshire drivers with an at-fault accident in their driving history. That's 40% cheaper than the state average.
Most affordable New Hampshire car insurance after a crash
Company | Monthly rate |
|---|---|
| Hanover | $86 |
| State Farm | $96 |
| Concord | $116 |
| Progressive | $158 |
| Geico | $206 |
An at-fault accident in New Hampshire increases auto insurance quotes by an average of 52%. However, not all companies increase rates by the same amount. Quotes from the most expensive company, Allstate, are $181 higher per month after an accident compared to Hanover.
That's why shopping around for car insurance after an accident is especially important to ensure you're getting the best rates. But wait to shop until your current policy is up for renewal. You typically won't see a rate increase until then.
Cheapest car insurance for teen drivers after a ticket or accident: Hanover
Hanover is the cheapest company for 18-year-old drivers with a speeding ticket or at-fault crash on their record. Expect an average rate of $35 per month for minimum coverage after a ticket, and $47 per month after a crash. Teen drivers can expect car insurance rates to go up by 12% or more after a speeding ticket.
Best cheap car insurance for a teen driver after a ticket or crash in NH
Company | Ticket | Accident |
|---|---|---|
| Hanover | $35 | $47 |
| State Farm | $111 | $118 |
| Concord | $114 | $126 |
| Geico | $154 | $198 |
| Allstate | $222 | $303 |
Cheapest car insurance in NH for a DUI: Hanover
At just $83 per month, DUI insurance from Hanover is 53% cheaper than average. In New Hampshire, DUIs raise full coverage car insurance quotes by an average of 84%.
Cheap New Hampshire DUI insurance
Company | Monthly rate |
|---|---|
| Hanover | $83 |
| Progressive | $114 |
| Concord | $140 |
| Allstate | $229 |
| Geico | $239 |
Cheapest car insurance for drivers with poor credit: Concord
If you have a poor credit score, Concord has the most affordable quotes in New Hampshire. With an average price of $116 per month for full coverage, a policy from Concord is 38% cheaper than the state average.
Most affordable car insurance in New Hampshire with bad credit
Company | Monthly rate |
|---|---|
| Concord | $116 |
| Progressive | $147 |
| Geico | $163 |
| Hanover | $176 |
| Allstate | $247 |
New Hampshire drivers with poor credit pay $91 more per month for full coverage than drivers with good credit, on average. This is because insurance companies have found drivers with bad credit are more likely to file a claim, and they raise rates to account for that risk.
Best car insurance companies in New Hampshire
State Farm and USAA are the best-rated car insurance companies in New Hampshire.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| State Farm | 842 | A++ | |
| USAA | 881 | A++ | |
| Concord | NR | A+ | |
| Geico | 835 | A++ | |
| Hanover | 843 | A |
State Farm has some of the best customer service reviews, coverage availability and the overall value of coverage. It also earned an excellent score on J.D. Power's Auto Insurance Claims Satisfaction Survey. The one downside: you can start a quote online, but you might need to call an agent to finish signing up.
Drivers in New Hampshire can also find dependable service from USAA. However, USAA is only available to people affiliated with the military and their families.
How to find the best car insurance company in NH
When shopping for car insurance, comparing customer service reviews is just as important as finding the cheapest rate.
A company with bad reviews may have a more difficult claims process, which could mean more frustration and paying more out of pocket.
In New Hampshire, watch out for companies like Progressive that might charge more if you commute to Massachusetts.
Average car insurance cost in New Hampshire by city
Manchester, the state's largest city, is the most expensive city for car insurance, with average rates of $89 per month. Georges Mills is the cheapest, averaging $112 per month.
Full coverage car insurance rates in New Hampshire vary by only $23 per month, depending on your city and the chance of accidents and theft.
City | Monthly rate | % from average |
|---|---|---|
| Alton Bay | $95 | -1% |
| Antrim | $95 | -1% |
| Ashland | $93 | -3% |
| Ashuelot | $90 | -6% |
| Barnstead | $96 | 1% |
Minimum requirements for auto insurance coverage in New Hampshire
In New Hampshire, car insurance is not a requirement, unlike in nearly every other state. However, if you opt out of car insurance, you'll have to prove to the state DMV that you can pay for damage if you cause an accident.
Most New Hampshire drivers choose to have car insurance, and the state has a low rate of uninsured drivers. And car insurance is typically required by lenders if you have a car loan or lease.
Drivers who do buy car insurance must meet the minimum coverage requirements:
Coverage | Limit |
|---|---|
| Bodily injury liability coverage | $25,000 per person and $50,000 per accident |
| Property damage liability coverage | $25,000 per accident |
| Uninsured and underinsured motorist bodily injury liability coverage | $25,000 per person and $50,000 per accident |
| Medical payments coverage | $1,000 per accident |
What's the best car insurance coverage in NH?
Minimum liability policies have the lowest coverage limits the state allows. This makes minimum coverage the cheapest insurance you can get.
Unlike minimum coverage, full coverage car insurance includes comprehensive and collision insurance. Collision and comprehensive insurance cover damage to your vehicle due to a collision, theft, vandalism or a natural disaster, regardless of who's at fault.
That's why most New Hampshire drivers should get full coverage car insurance, especially if you drive a newer car.
Frequently asked questions
Do you need car insurance in New Hampshire?
Car insurance is not required in New Hampshire. However, drivers who choose not to buy a policy need to provide proof of financial responsibility by depositing $75,000 in cash or securities with the state treasurer. Most drivers prefer to get an insurance policy, which is easier and provides protection if you're in an accident.
Who has the cheapest car insurance in New Hampshire?
Hanover has the cheapest insurance rates in New Hampshire. A minimum coverage policy from Hanover costs $16 per month, which is 65% cheaper than average.
Is car insurance more expensive in New Hampshire?
Compared to other states, car insurance quotes in New Hampshire are cheaper than average. Its prices for full coverage are 42% below the national average, and minimum liability prices are 31% cheaper.
Who has the best car insurance in New Hampshire?
State Farm offers the best car insurance in New Hampshire, based on its dependable customer service and selection of coverage options. USAA is another great company, but it's not available to everyone: Only military members, veterans and their families can get car insurance from USAA.
Methodology
We collected thousands of rates from ZIP codes across New Hampshire for the largest insurance companies in the state. Rates are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Unless noted, quotes are for a full coverage policy with comprehensive and collision coverage and liability limits that are higher than the New Hampshire minimum requirement.
- $50,000 of bodily injury liability coverage per person, and $100,000 per accident
- $25,000 of property damage liability
- $10,000 of medical payments coverage
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.