You can find the cheapest full-coverage car insurance in New Hampshire for $67 a month from Auto-Owners. It saves you $38 compared to the state average car insurance cost of $105 monthly.
Shopping for car insurance in New Hampshire can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in New Hampshire should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- According to recent data, Auto-Owners offers the cheapest full coverage car insurance in New Hampshire at $67 per month.
- New Hampshire drivers with a clean driving record pay 41% less for car insurance than drivers with a DUI.
- In New Hampshire, the city of Swanzey has the most affordable car insurance rates at $1,178 annually.
- Comparing price quotes from multiple insurers can help you save up to 36% per year on your car insurance policy in New Hampshire.
Car insurance companies with cheap car insurance in New Hampshire
Auto-Owners offers the cheapest car insurance rates in New Hampshire for a full coverage policy with an average premium of $67 per month or around $803 per year, based on CarInsurance.com’s rate analysis.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in New Hampshire. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in New Hampshire per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Auto-Owners | $67 |
| The Hanover | $86 |
| MMG Insurance | $86 |
| Nationwide | $95 |
| State Farm | $96 |
| Geico | $101 |
| Progressive | $112 |
| Farmers | $163 |
| Allstate | $177 |
| USAA* | $71 |
Note: USAA is only available to military community members and their families.
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Who pays the lowest auto insurance premiums in New Hampshire?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 6% less than single drivers.
- New Hampshire drivers with clean records pay 41% less than drivers who have a DUI on their records.
- New Hampshire drivers in their 20s pay 57% lower rates for insurance than a 16-year-old in New Hampshire.
- Adding a teen to your policy will cost you 78% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 29% less on their insurance premiums.
- Drivers insured for three or more years can save up to 15% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 7% for this state more on their premiums.
Cheapest companies for different coverage levels in New Hampshire
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- The Hanover is the cheapest for a state minimum policy.
- The Hanover has the cheapest rates for a liability-only policy (50/100/50).
- Auto-Owners offers the cheapest car insurance for a full coverage policy (100/300/100) in New Hampshire.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in New Hampshire
New Hampshire requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists New Hampshire’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State Minimum Annual Rates |
|---|---|
| The Hanover | $191 |
| Auto-Owners | $222 |
| MMG Insurance | $242 |
| State Farm | $306 |
| Geico | $361 |
| Progressive | $417 |
| Farmers | $507 |
| Nationwide | $686 |
| Allstate | $808 |
| USAA* | $232 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in New Hampshire
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in New Hampshire, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| The Hanover | $227 |
| MMG Insurance | $255 |
| Auto-Owners | $255 |
| State Farm | $349 |
| Geico | $395 |
| Progressive | $434 |
| Farmers | $499 |
| Nationwide | $626 |
| Allstate | $857 |
| USAA* | $259 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in New Hampshire for full coverage
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in New Hampshire, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| Auto-Owners | $803 |
| The Hanover | $1,027 |
| MMG Insurance | $1,038 |
| Nationwide | $1,145 |
| State Farm | $1,155 |
| Geico | $1,212 |
| Progressive | $1,343 |
| Farmers | $1,954 |
| Allstate | $2,123 |
| USAA* | $852 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in New Hampshire by driving history
In New Hampshire, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $417 more annually in New Hampshire than an individual with a clean driving record.
Cheap car insurance rates in New Hampshire after a speeding ticket
If you have a speeding ticket on your New Hampshire driving record and you are looking for cheap car insurance, Auto-Owners offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $858 per year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| Auto-Owners | $749 | $858 | 15% | $109 |
| Progressive | $865 | $1,140 | 32% | $274 |
| Nationwide | $869 | $1,406 | 62% | $537 |
| Geico | $771 | $1,509 | 96% | $738 |
| Auto Club Enterprises (AAA) | $1,148 | $1,643 | 43% | $495 |
| Allstate | $1,635 | $1,886 | 15% | $250 |
| USAA* | $732 | $843 | 15% | $111 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in New Hampshire after a DUI conviction
Progressive offers the cheapest car insurance to New Hampshire drivers with a DUI conviction at $998 per year and Auto-Owners has the second-cheapest insurance premiums at $1,303 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 41% less than those with a history of DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| Progressive | $865 | $998 | 15% | $133 |
| Auto-Owners | $749 | $1,303 | 74% | $554 |
| State Farm | $844 | $1,449 | 72% | $606 |
| Geico | $771 | $1,767 | 129% | $996 |
| Nationwide | $869 | $1,912 | 120% | $1,043 |
| Allstate | $1,635 | $2,062 | 26% | $427 |
| Auto Club Enterprises (AAA) | $1,148 | $2,168 | 89% | $1,020 |
| USAA* | $732 | $1,191 | 63% | $459 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in New Hampshire after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $987 a year.
On the other hand, Auto-Owners offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,075 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $844 | $987 | 17% | $144 |
| Auto-Owners | $749 | $1,075 | 44% | $326 |
| Nationwide | $869 | $1,278 | 47% | $409 |
| Progressive | $865 | $1,419 | 64% | $554 |
| Auto Club Enterprises (AAA) | $1,148 | $1,433 | 25% | $285 |
| Geico | $771 | $1,501 | 95% | $730 |
| Allstate | $1,635 | $2,374 | 45% | $739 |
| USAA* | $732 | $1,074 | 47% | $341 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in New Hampshire have the lowest auto insurance rates?
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Swanzey is the city with the lowest premiums in New Hampshire at an annual auto insurance rate of $1,178 .
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of New Hampshire cities with the lowest car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Swanzey | $1,178 |
| Keene | $1,181 |
| Enfield | $1,186 |
| Gilsum | $1,189 |
| Guild | $1,196 |
| Hanover | $1,197 |
| Springfield | $1,199 |
| Meriden | $1,200 |
| Plainfield | $1,200 |
| West Lebanon | $1,200 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in New Hampshire?
Shopping around for car insurance quotes in New Hampshire can help drivers save 36% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in New Hampshire: Save on premiums
Car insurance discounts in New Hampshire can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in New Hampshire.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 1% | $8 |
| Anti-theft device | 2% | $28 |
| Daily commute | 9% | $126 |
| Days advanced purchase | 10% | $180 |
| Days per week driven | 7% | $87 |
| Education | 4% | $64 |
| Electronic funds transfer | 3% | $58 |
| Electronic signature | 10% | $213 |
| Homeowner | 5% | $127 |
| Lower annual mileage | 3% | $44 |
| Loyalty – years renewal with company | 7% | $81 |
| Marital status | 6% | $109 |
| Multi policy | 11% | $173 |
| Paperless/electornic documents | 4% | $68 |
| Payment type | 8% | $248 |
| Primary use | 7% | $94 |
| Profession | 13% | $256 |
| Safety devices | 3% | $70 |
| Telematics | 11% | $146 |
| Years insured | 15% | $345 |
| Years licensed | 27% | $804 |
The bottom line on cheap auto insurance in New Hampshire
Our research shows that Auto-Owners has the cheapest full coverage car insurance rates in New Hampshire for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in New Hampshire, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of New Hampshire for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of New Hampshire