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.
- Auto-Owners has the cheapest car insurance rates in New Hampshire for full coverage at $67 a month among the companies analyzed by the team of CarInsurance.com.
- In New Hampshire, drivers with clean driving records pay 41% less than drivers with a DUI.
- The city of Swanzey has the lowest auto insurance rates in New Hampshire, with an average premium of $1,178 per year.
- You can save up to 36% per year on your car insurance policy in New Hampshire by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance in New Hampshire?
Based on data analysis by CarInsurance.com, Auto-Owners provides the cheapest full coverage auto insurance rates for New Hampshire drivers at a monthly rate of $67 or $803 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in New Hampshire.
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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New Hampshire drivers who pay lower insurance premiums
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
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in New Hampshire
In New Hampshire, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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 |
|---|---|
| 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.
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 |
|---|---|
| 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 full coverage car insurance in New Hampshire
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 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 |
|---|---|
| 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
Your driving history affects how much you pay for insurance in New Hampshire because insurance companies use it to assess the risk associated with insuring 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 $417 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 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.
Cheap car insurance rates after a DUI conviction in New Hampshire
CarInsurance.com analyzed insurance rates for New Hampshire drivers with DUI convictions and we found that Progressive provides the cheapest car insurance rates at an average annual premium of $998 . Auto-Owners is the second-cheapest insurer at an average of $1,303 per year.
If you have a clean record, you are likely to pay 41% less for car insurance than someone with a 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
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $987 annually.
Auto-Owners is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,075 .
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 |
|---|---|---|---|---|
| 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 Cities with the lowest auto insurance rates in New Hampshire
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.
In New Hampshire, Swanzey stands out as the city with the lowest auto insurance rates, at an average of $1,178 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.
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 auto insurance in New Hampshire?
By comparing car insurance quotes, you can save an average of 36% per year for 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 | 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 car insurance in New Hampshire
Based on our findings, Auto-Owners provides the cheapest rates for a full coverage policy in New Hampshire if you have a good driving record.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in New Hampshire is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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 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.
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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.
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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.
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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