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.

Key Highlights
  • 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.
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Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

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

CompanyFull 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.

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.
Tip iconTip

If 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 CoverageMinimum 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.

CompanyState 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.

CompanyLiability 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.

CompanyFull 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.

CompanyRates Before SpeedingAfter Speeding (1-29 mph over limit)% Difference$ Difference
Auto-Owners$749$85815%$109
Progressive$865$1,14032%$274
Nationwide$869$1,40662%$537
Geico$771$1,50996%$738
Auto Club Enterprises (AAA)$1,148$1,64343%$495
Allstate$1,635$1,88615%$250
USAA*$732$84315%$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 DUIRates After a DUI% Difference$ Difference
Progressive$865$99815%$133
Auto-Owners$749$1,30374%$554
State Farm$844$1,44972%$606
Geico$771$1,767129%$996
Nationwide$869$1,912120%$1,043
Allstate$1,635$2,06226%$427
Auto Club Enterprises (AAA)$1,148$2,16889%$1,020
USAA*$732$1,19163%$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.

CompanyRates Before AccidentRates After Accident% Difference$ Difference
State Farm$844$98717%$144
Auto-Owners$749$1,07544%$326
Nationwide$869$1,27847%$409
Progressive$865$1,41964%$554
Auto Club Enterprises (AAA)$1,148$1,43325%$285
Geico$771$1,50195%$730
Allstate$1,635$2,37445%$739
USAA*$732$1,07447%$341

Note: USAA is only available to military community members and their families.

Cheapest car insurance rates by state

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.

CityFull 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 bags1%$8
Anti-theft device2%$28
Daily commute9%$126
Days advanced purchase10%$180
Days per week driven7%$87
Education4%$64
Electronic funds transfer3%$58
Electronic signature10%$213
Homeowner5%$127
Lower annual mileage3%$44
Loyalty – years renewal with company7%$81
Marital status6%$109
Multi policy11%$173
Paperless/electornic documents4%$68
Payment type8%$248
Primary use7%$94
Profession13%$256
Safety devices3%$70
Telematics11%$146
Years insured15%$345
Years licensed27%$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.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing 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.

Nupur Gambhir

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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.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.