- GEICO has the cheapest car insurance rates in New Hampshire for full coverage at $101 a month among the companies analyzed by the team of CarInsurance.com.
- In New Hampshire, drivers with clean driving records pay 66% less than drivers with a DUI.
- The city of Keene has the lowest auto insurance rates in New Hampshire, with an average premium of $1,620 per year.
- You can save up to 28% per year on your car insurance policy in New Hampshire by comparing price quotes from multiple insurers.
The cheapest full coverage car insurance in New Hampshire is $101 , saving you $40 compared to the average cost of insurance in the state, which is around $141 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in New Hampshire, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
Car insurance companies with cheap car insurance in New Hampshire
GEICO has the cheapest full coverage car insurance in New Hampshire, at an average premium of $101 per month or around $1,216 per year, based on CarInsurance.com data.
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 |
|---|---|
| GEICO | $101 |
| Auto-Owners | $123 |
| Nationwide | $123 |
| Progressive | $129 |
| Safety Insurance | $132 |
| MMG Insurance | $134 |
| Allstate | $160 |
| State Farm | $192 |
| Farmers | $221 |
Who pays the lowest auto insurance premiums in New Hampshire?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 10% less than single drivers.
- New Hampshire drivers with clean records pay 66% less than drivers who have a DUI on their record.
- New Hampshire drivers in their 20s pay 64% lower rates for insurance than a 16-year-old in New Hampshire.
- Adding a teen to your policy will cost you 51% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 21% less on their insurance premiums.
- Drivers insured for three or more years can save up to 22% 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 9% for this state more on their premiums.
Cheapest New Hampshire companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
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:
- MMG Insurance is the cheapest for a state minimum policy.
- MMG Insurance has the cheapest rates for a liability-only policy (50/100/50).
- GEICO 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
Below are the average annual rates from major insurance companies in New Hampshire, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| MMG Insurance | $304 |
| Auto-Owners | $368 |
| GEICO | $371 |
| Safety Insurance | $448 |
| Progressive | $572 |
| Farmers | $639 |
| Allstate | $811 |
| Nationwide | $835 |
| State Farm | $834 |
Cheapest liability-only coverage in New Hampshire
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in New Hampshire, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 |
|---|---|
| MMG Insurance | $321 |
| GEICO | $408 |
| Auto-Owners | $415 |
| Safety Insurance | $501 |
| Progressive | $612 |
| Farmers | $656 |
| Nationwide | $795 |
| Allstate | $879 |
| State Farm | $938 |
Cheapest car insurance companies in New Hampshire for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in New Hampshire based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full coverage annual rates |
|---|---|
| GEICO | $1,216 |
| Auto-Owners | $1,470 |
| Nationwide | $1,480 |
| Progressive | $1,548 |
| Safety Insurance | $1,587 |
| MMG Insurance | $1,606 |
| Allstate | $1,920 |
| State Farm | $2,307 |
| Farmers | $2,656 |
Learn more about who has the cheapest full coverage auto insurance
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Cheapest auto insurance in New Hampshire by driving history
Your driving history impacts insurance premiums in New Hampshire, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In New Hampshire, drivers with a history of traffic violation pay an average of $903 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates after a speeding ticket in New Hampshire
If you’ve got a speeding ticket on your New Hampshire driving record and need affordable car insurance, Auto-Owners might be the answer. With an average annual rate of $1,689 , Auto-Owners offers the cheapest full coverage auto insurance options for drivers with speeding tickets in New Hampshire.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Auto-Owners | $1,470 | $1,689 | 15% | $219 |
| Progressive | $1,548 | $1,849 | 19% | $301 |
| MMG Insurance | $1,606 | $2,286 | 42% | $680 |
| Allstate | $1,920 | $2,297 | 20% | $377 |
| Nationwide | $1,480 | $2,361 | 60% | $881 |
| GEICO | $1,216 | $2,526 | 108% | $1,310 |
| Farmers | $2,656 | $3,482 | 31% | $826 |
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 $1,683 per year and Allstate has the second-cheapest insurance premiums at $2,438 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 66% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $1,548 | $1,683 | 9% | $135 |
| Allstate | $1,920 | $2,438 | 27% | $518 |
| Auto-Owners | $1,470 | $2,583 | 76% | $1,113 |
| MMG Insurance | $1,606 | $2,714 | 69% | $1,108 |
| State Farm | $2,307 | $2,789 | 21% | $482 |
| GEICO | $1,216 | $2,899 | 138% | $1,683 |
| Nationwide | $1,480 | $3,271 | 121% | $1,791 |
| Safety Insurance | $1,587 | $3,701 | 133% | $2,114 |
| Farmers | $2,656 | $4,143 | 56% | $1,487 |
Cheap car insurance rates after an at-fault accident in New Hampshire
Progressive is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $2,006 .
Auto-Owners is the second most affordable option, providing full-coverage car insurance with an average annual premium of $2,226 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $1,548 | $2,006 | 30% | $458 |
| Auto-Owners | $1,470 | $2,226 | 51% | $756 |
| Nationwide | $1,480 | $2,394 | 62% | $914 |
| MMG Insurance | $1,606 | $2,395 | 49% | $789 |
| State Farm | $2,307 | $2,497 | 8% | $190 |
| GEICO | $1,216 | $2,647 | 118% | $1,431 |
| Safety Insurance | $1,587 | $2,926 | 84% | $1,339 |
| Allstate | $1,920 | $3,239 | 69% | $1,319 |
| Farmers | $2,656 | $4,614 | 74% | $1,958 |
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in New Hampshire
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In New Hampshire, Keene stands out as the city with the lowest auto insurance rates, at an average of $1,620 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in New Hampshire with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Keene | $1,620 |
| Lebanon | $1,645 |
| Laconia | $1,664 |
| Rochester | $1,680 |
| Claremont | $1,706 |
| Dover | $1,706 |
| Portsmouth | $1,711 |
| Concord | $1,719 |
| Manchester | $1,789 |
| Nashua | $1,842 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in New Hampshire
If you compare car insurance quotes, you could enjoy an annual saving of around 28% on a full coverage policy in New Hampshire.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
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 | 3% | $57 |
| Anti-Theft Device | 2% | $35 |
| Comp and Coll Deductibles | 22% | $370 |
| Daily Commute | 9% | $158 |
| Days Advanced Purchase | 10% | $169 |
| Days Per Week Driven | 7% | $124 |
| Education | 8% | $134 |
| Electronic Funds Transfer | 5% | $92 |
| Electronic Signature | 10% | $169 |
| Homeowner | 5% | $85 |
| Lower Annual Mileage | 4% | $72 |
| Loyalty – Years Renewal With Company | 9% | $156 |
| Marital Status | 10% | $168 |
| Multi Policy | 10% | $161 |
| Paperless/Electornic Documents | 2% | $32 |
| Payment Type | 6% | $101 |
| Primary Use | 9% | $145 |
| Profession | 12% | $197 |
| Purhase Status | 13% | $220 |
| Safety Devices | 3% | $57 |
| Student Away At School | 17% | $280 |
| Telematics | 11% | $181 |
| Years Insured | 23% | $385 |
| Years Licensed | 28% | $469 |
The bottom line on cheap auto insurance in New Hampshire
Based on our findings, GEICO provides the cheapest rates for a full coverage policy in New Hampshire if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in New Hampshire, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates 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.
*USAA is only available to military community members and their families.
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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