New Hampshire is one of the most unique states for car insurance. It doesn't require drivers to carry car insurance, just that drivers have the ability to pay for damages following an accident. You can still buy insurance in New Hampshire, which has cheap state car insurance rates, and you'll need to in order to drive in other states. But the difference between insurance companies can be hundreds of dollars. We can show you the average, highest and lowest rates from six major carriers for every ZIP code in New Hampshire below.
New Hampshire state law requires the following minimum car insurance coverage:
If you buy insurance, requirements include:
Minimum bodily injury liability
Minimum property damage liability
Uninsured/underinsured motorist bodily injury
New Hampshire Car Insurance Rates by ZIP Code & City
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2014 Honda Accord for every ZIP code in the United States. We calculated rates using data for six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
If you're at fault in an accident and don't have the financial means to take care of damages, then the state will force you to buy auto insurance -- along with an SR-22 filing. Other penalties, such as a license suspension, may also be placed against you.
Residents only: The Granite State is known for some of the cheapest auto insurance rates in the country, so to thwart those trying to commit insurance fraud by living elsewhere and insuring their vehicle here, the state requires policyholders to sign a residency statement.
The form states that the insured is a resident of New Hampshire or is not a resident but the vehicle is principally garaged here (such as at a vacation home, etc.). There is an exemption for active duty military members. Failure to sign the form will result in the cancellation of your New Hampshire auto insurance policy.
Total loss: New Hampshire laws define a total loss as when a vehicle would cost more to repair than what the vehicle is worth. Other states set the threshold as low as 75 percent.
Windshield coverage: In New Hampshire, you need a physical damage coverage such as comprehensive or glass breakage to cover a broken windshield. If you only have minimum coverages of liability, your windshield would not be covered by your policy.
Largest car insurance companies for New Hampshire by market share
Company / Group
Direct Premiums Written ($)
Market Share (%)
State Farm Group
Progressive Insurance Group
Liberty Mutual Insurance Companies
Berkshire Hathaway Insurance
Allstate Insurance Group
Amica Mutual Group
Concord Group Insurance Pool
MetLife Personal Lines Group
The Hanover Insurance Group Property & Casualty
Source: A.M. Best market share rankings are based on direct premiums written in 2013.