How to find the cheapest car insurance quotes in New Hampshire
If you’re a New Hampshire resident shopping for car insurance, you might be wondering what auto insurance provider offers the cheapest rates. Unfortunately, there is no straightforward answer. Instead, you’ll have to carefully comparison shop to find personalized coverage that meets your needs without breaking the bank.
Fortunately, Jerry Insurance Agency is here to help! New Hampshire drivers can quickly navigate their options using our user-friendly car insurance comparison app. With Jerry’s support, you can quickly and easily review and analyze multiple quotes before selecting the policy that provides great coverage within your budget.
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Bristol West | $35 | Ann, 43, Concord, NH | Jeep Compass Latitude | State Minimum | Yes |
| Progressive | $126 | Nettie, 31, Dover, NH | Bmw X1 Xdrive28I | 100/300 | Yes |
| Bristol West | $235 | Nathaniel, 25, Manchester, NH | Honda Civic Sport | State Minimum | Yes |
| Bristol West | $182 | Ida, 56, North Conway, NH | Chevrolet Cruze Eco | State Minimum | Yes |
| Bristol West | $103 | George, 27, Manchester, NH | Jeep Cherokee Limited | State Minimum | No |
Cheapest car insurance companies in New Hampshire
Jerry wants to empower drivers to make informed decisions throughout the auto insurance shopping process, which is why we conducted an extensive insurance shopping survey—the largest of its kind in the entire nation.
The results? There’s no single “best” or “cheapest” car insurance company for everyone. Instead, individual insurance rates depend on a variety of factors, and the best company for you is incredibly individualized.
For example, while many NH drivers praise The General for their great low rates, others are dissatisfied with the company’s coverage options. Generally, you can expect The General, National General, Farmers, State Farm, Nationwide, and Allstate to offer some of the lowest rates on car insurance in the state of New Hampshire. Check out the table below to learn more!
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| AAA | August 15, 2024 | 5 | “Excelente “ -Arthur |
| Liberty Mutual | August 12, 2024 | 5 | “Great rates and people” -Sally |
| Progressive | August 12, 2024 | 5 | “They were the best deal for me and my pocket $$” -Lou |
| Progressive | August 10, 2024 | 4 | “Good coverage and pretty decent prices “ -Tillie |
| AAA | August 9, 2024 | 5 | “I had for 9 year and never had a problem.” -Elizabeth |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If comparing quotes from multiple insurance companies sounds daunting, don’t worry! You can just use a reliable car insurance comparison app or website like Jerry.
Jerry is a respected insurance agency with a user-friendly app for auto-owners to quickly gather free quotes and explore various options for their auto insurance coverage.
Jerry also offers end-to-end support throughout the entire process, from helping you register for a new policy to assisting with the cancellation of your old one.
Minimum liability and full coverage
Unlike most U.S. states, New Hampshire does not require its drivers to carry a specific amount of liability coverage unless they’ve been convicted of certain driving offenses. But that doesn’t mean you don’t need it.
Cheapest minimum liability coverage car insurance quotes in New Hampshire
New Hampshire insurance laws require drivers convicted of the following violations to carry minimum liability coverage:
- Hit and run
- DUI (drugs or alcohol)
- Intentionally killing or hurting someone with your car
- Second speeding ticket
- Second warning or ticket for another traffic violation
If you’ve been convicted of one of the above offenses, or you choose to use liability coverage as proof of financial responsibility, the minimum car insurance requirements in the Granite State include $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage for an accident involving multiple people, and $25,000 in property damage coverage. This is often referred to as the 25/50/25 rule.
Do you need more than minimum coverage in New Hampshire?
Legally speaking, no—but it’s very likely a good idea to invest in liability insurance that offers more coverage than what’s minimally required by law or to prove financial responsibility.
If you are in an at-fault accident, you could wind up paying out of pocket for medical bills and vehicle repairs that cost far more than the 25/50/25 coverage limits, particularly if the car is totaled or the motorist is seriously harmed. That’s why investing in additional coverage offers better protection.
The bottom line: We recommend investing in 100/300/100 liability coverage for more comprehensive protection—even if you choose to forego full coverage.
Cheapest full coverage car insurance quotes in New Hampshire
Liability insurance covers damage to other vehicles and motorists in an at-fault accident—but what if your vehicle needs repairs? That’s where full coverage car insurance—an optional but important add-on—comes in.
Full coverage includes comprehensive and collision coverage. Collision coverage will pay to repair or replace your vehicle if it’s been damaged in an accident. Comprehensive coverage offers coverage for damages caused by non-collision events, like vandalism, environmental factors, and even theft.
Keep in mind that your auto loan provider will likely require you to purchase full coverage before funding your vehicle sale, and maintain full coverage until your loan is paid off. Below you’ll find a list of samples of affordable full coverage policies that Jerry users secured.
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | Yes | Bristol West | $35 | Ann, 43, Concord, NH | Jeep Compass Latitude |
| 100/300 | Yes | Progressive | $126 | Nettie, 31, Dover, NH | Bmw X1 Xdrive28I |
| State Minimum | Yes | Bristol West | $235 | Nathaniel, 25, Manchester, NH | Honda Civic Sport |
| State Minimum | Yes | Bristol West | $182 | Ida, 56, North Conway, NH | Chevrolet Cruze Eco |
| State Minimum | No | Bristol West | $103 | George, 27, Manchester, NH | Jeep Cherokee Limited |
Average rates for state minimum liability coverage and full coverage
Car insurance in New Hampshire costs an annual average of $1,677 for full coverage and $1,558 for minimum coverage. That equals about $136 per month for a full coverage policy, or $130 a month for basic liability.
While the average insurance rates can help you predict how much you’ll be spending, it’s important to remember that your individual premiums will be influenced by a variety of factors, such as:
- Vehicle type
- Driving record
- Claims history
- Demographic information
- Credit score
Thus, what you’ll actually pay could be very different from the average numbers listed above.
New Hampshire car insurance: Additional coverages
On top of collision and comprehensive coverage, you may wish to consider some additional forms of optional insurance, such as:
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Uninsured/underinsured motorist
- Towing and labor coverage
- Rental reimbursement coverage
If you’ve recently taken out a loan to buy a new car, we recommend gap insurance, which provides coverage in situations where the remaining loan balance exceeds the actual cash value of the vehicle. Remember that your car depreciates as soon as you drive it off the lot, and this coverage ensures financial protection in the event it’s totaled in an accident or stolen.
If you’re not a car owner, but you frequently rent or borrow, non-owner car insurance is likely a good idea. This type of coverage is generally cheaper than traditional insurance and is a policy for bodily injury liability and property damage liability, which protects you in the event of an at-fault accident.
Car insurance premium by rating factors
Some factors that can influence your New Hampshire insurance rates include:
- Driving record: A history of accidents and traffic violations make you a more at-risk driver, causing insurance providers to charge you higher rates.
- Geographic location: Rates tend to be higher for drivers living in or around major cities, like Manchester, Nashua, and Concord, compared to those living in more rural areas. Even different zip codes within the same metropolitan area can have varying insurance rates.
- Vehicle type: Your luxury car, sports car, or high-performance vehicle costs a pretty penny to repair or replace, and this is reflected in the cost of your car insurance. More affordable vehicles will be inherently cheaper to insure.
- Usage: If you put a lot of miles on your vehicle, or use it to rideshare, you might get charged higher premiums than someone who uses their vehicle strictly for leisure purposes.
- Credit score: A good credit score is often associated with lower insurance premiums, as it is considered an indication of financial responsibility.
Each auto insurance provider will use their own algorithm—which considers the above factors and more to varying degrees—to determine your unique rates. To get an accurate quote, contact insurance companies directly, or utilize an online or mobile comparison tool.
Cheapest New Hampshire car Insurance after a driving violation
Your rates will likely go up after a driving violation—especially if they become habitual—because you’ll be considered a high-risk driver.
Cheapest car insurance for New Hampshire drivers with a speeding ticket
Often, the severity of your speeding ticket matters. Most states break speeding violations down into various levels based on how far over the limit you were traveling, such as:
- 1-5 MPH over
- 6-10 MPH over
- 11-15 MPH over
- 16-20 MPH over
- 21 MPH or more over
Getting a more severe speeding ticket will likely result in significant insurance premium increase—but even minor moving violations can cause your rates to go up.
If your annual rate recently increased after a speeding ticket, use Jerry to shop around for a new policy and keep your costs as low as possible.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding 16-20 | Progressive | $150 | Elsie, 25, Rochester, NH | 100/300 | Yes |
| Speeding Violation-Minor | Bristol West | $367 | Harry, 23, Manchester, NH | 100/300 | Yes |
| Speeding Violation-Minor | Progressive | $36 | Dorothy, 30, Keene, NH | State Minimum | Yes |
| Speeding 16-20 | Bristol West | $108 | Jared, 27, Nashua, NH | 100/300 | Yes |
| Speeding Violation-Minor | Progressive | $360 | Barbara, 20, Claremont, NH | 50/100 | Yes |
Cheapest auto insurance in New Hampshire after a DUI
Reasonably so, New Hampshire takes DUI violations very seriously, and they generally lead to a substantial increase in car insurance rates. Your insurance company may drop your policy altogether.
Jerry helps drivers with a history of DUI find the cheapest policy out there, so you can get back on the road at an affordable price.
New Hamshire SR-22 insurance
New Hampshire requires SR-22 insurance for at least three years after a major driving incident, such as a DUI. Proof of said insurance will need to be submitted to the DMV to verify proper coverage before getting back on the road.
Obviously, whatever violation or incident lead you to needing an SR-22 certificate makes you a high-risk driver, which means your insurance rates will likely be higher.
Cheapest New Hampshire auto Insurance after an at-fault accident
Accidents happen—but if you were at fault, then your insurance provider was forced to financially cover the costs related to damages and injuries. That’s why your claims history significantly affects your future car insurance rates.
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Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| At Fault With No Injury | Bristol West | $235 | Nathaniel, 25, Manchester, NH | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $182 | Ida, 56, North Conway, NH | State Minimum | Yes |
| At Fault With No Injury | Progressive | $150 | Elsie, 25, Rochester, NH | 100/300 | Yes |
| At Fault With No Injury | Progressive | $127 | Gene, 32, Manchester, NH | State Minimum | Yes |
| At Fault With No Injury | Progressive | $142 | Francis, 45, Rochester, NH | State Minimum | Yes |
FAQ
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Is New Hampshire an at-fault state?
The bottom line: New Hampshire is an “at-fault” or “tort” state, which means the person who is at fault for a car accident is responsible for paying for other people’s injuries and property damage resulting from the accident.
Cheapest auto insurance after other violations in New Hampshire
Additional violations that can lead to higher car insurance rates include driving with a suspended license, reckless driving, and violating the open container laws.
Below is a list of New Hampshire driving violations, as well as how we assisted drivers in saving money on car insurance afterwards.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Suspension | Progressive | $137 | Roger, 39, Gilsum, NH | State Minimum | Yes |
| Failure to Obey Signal | Bristol West | $190 | Bertie, 48, Manchester, NH | State Minimum | Yes |
| Other Minor | Bristol West | $217 | Brandon, 34, Manchester, NH | State Minimum | Yes |
| Defective Equipment | Progressive | $56 | Trevor, 44, Laconia, NH | State Minimum | No |
| DUI | Progressive | $132 | Mabel, 33, Francestown, NH | State Minimum | Yes |
Cheapest New Hampshire auto insurance based on insurance history
Believe it or not, your history of car insurance coverage significantly affects your future rates. That’s right—a lapse in coverage typically leads to higher costs down the line.
To help make sure your insurance never lapses, Jerry sends payment reminders to eligible customers when a payment is approaching or you’ve fallen behind.
We’ve also successfully assisted countless drivers whose coverage lapsed in finding a new policy that was still affordable.
Cheapest car insurance for drivers with poor credit
Even though your credit score doesn’t indicate whether or not you’re an at-risk driver, New Hampshire residents with lower credit scores typically pay higher premiums than their counterparts with higher FICA ratings. This is because auto insurance companies have found a relationship between low credit scores and an increased frequency of filed claims by drivers.
We’ve found that the national average car insurance premium for individuals in the highest credit bracket (750+) is approximately 20% lower than the average cost for individuals with less impressive scores (under 550).
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Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| <550 | Bristol West | $35 | Ann, 43, Concord, NH | Jeep Compass Latitude | State Minimum | Yes |
| 750+ | Progressive | $126 | Nettie, 31, Dover, NH | Bmw X1 Xdrive28I | 100/300 | Yes |
| 550-659 | Bristol West | $235 | Nathaniel, 25, Manchester, NH | Honda Civic Sport | State Minimum | Yes |
| 550-659 | Bristol West | $182 | Ida, 56, North Conway, NH | Chevrolet Cruze Eco | State Minimum | Yes |
| 550-659 | Bristol West | $103 | George, 27, Manchester, NH | Jeep Cherokee Limited | State Minimum | No |
Cheapest New Hampshire car insurance by age
Young drivers and those with a provisional driver’s license are relatively inexperienced, which explains why they tend to get charged higher rates than older adults. In general, you won’t see your rates decrease significantly until you turn 25. Then, after the age of 75, your rates will begin to increase again.
Cheapest New Hampshire car insurance for young drivers
Teenaged New Hampshire drivers (aged 16-19) typically pay the highest insurance rates compared to any other age group.
If you’re a teen driver who owns a newer vehicle, we recommend opting for full coverage car insurance. Though it costs more, teens are at an increased likelihood of being involved in major accidents, and full coverage car insurance will provide you with the protection you need.
Cheapest New Hampshire car insurance for senior drivers
Though adults pay less than teens for auto coverage, seniors 75+ tend to see their rates start to rise again. This is because older drivers have a proven heightened susceptibility to accidents and are more likely to sustain severe injuries in the event of a collision.
Cheapest car insurance for popular cars
As we’ve mentioned, your choice of vehicle will deeply impact your car insurance rates, with luxury and sports cars costing far more than affordable economy vehicles.
Popular makes and models for New Hampshire drivers looking to save on insurance include:
- Honda Civic
- Nissan Rogue
- Ford Bronco
- Chevrolet Silverado 1500
- Toyota Corolla
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Honda Civic Sport | Bristol West | $235 | Nathaniel, 25, Manchester, NH | State Minimum | Yes |
| Honda Civic Ex | Bristol West | $367 | Harry, 23, Manchester, NH | 100/300 | Yes |
| Toyota Corolla L | Progressive | $36 | Dorothy, 30, Keene, NH | State Minimum | Yes |
| Toyota Corolla Cross Night | Bristol West | $200 | Pauline, 25, Manchester, NH | State Minimum | Yes |
| Nissan Rogue Krom | Progressive | $129 | Mathilda, 69, Portsmouth, NH | State Minimum | Yes |
Car insurance cost for new vs. old car
Your vehicle’s make and model isn’t the only thing that matters—it’s age does, too. The cost of insuring a newer car is generally more expensive than that of an older car.
According to data, the average annual cost of full coverage insurance for a car that is 10+ years old in New Hampshire is an estimated 22% less than the cost of insuring a vehicle that is 4 years old or newer.
New Hampshire cheapest car insurance by location
Your geographic location—and the specific spot you keep your vehicle—will also affect your rates. That’s right! Insurance costs will vary depending on population density, accident rates, crime statistics, weather conditions, and more. For this reason, insurance premiums can even differ among different zip codes in the same region.
Below are some examples of how Jerry Insurance Agency has supported drivers in different cities across New Hampshire in fulfilling their insurance needs
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Concord, NH | Ann | Bristol West | $35 | Jeep Compass Latitude | State Minimum | Yes |
| Dover, NH | Nettie | Progressive | $126 | Bmw X1 Xdrive28I | 100/300 | Yes |
| Manchester, NH | Nathaniel | Bristol West | $235 | Honda Civic Sport | State Minimum | Yes |
| North Conway, NH | Ida | Bristol West | $182 | Chevrolet Cruze Eco | State Minimum | Yes |
| Manchester, NH | George | Bristol West | $103 | Jeep Cherokee Limited | State Minimum | No |
How to lower car insurance costs in New Hampshire
Our team of licensed insurance agents offer the following tips to help lower your car insurance expenses:
- Comparison shop! Gather quotes from multiple insurance providers to find the best car insurance for you.
- Bundle your auto coverage with homeowners insurance, renters insurance, or other types of coverage to access a discount.
- Explore other potential car insurance discounts for which you may be eligible, such as good student discounts, good driver discounts, low mileage discounts, and discounts for anti-theft devices or vehicle safety equipment.
- Opt for a higher deductible for comprehensive and collision coverage to lower your annual costs.
- Try to increase your credit score, as it can have a positive impact on your insurance premiums.
- Take an approved defensive driving course, which can lead to lower insurance rates.
- Evaluate the need for collision and comprehensive coverage for older vehicles.
By implementing these strategies, you could potentially save several hundred dollars per year on your car insurance costs.
Learn more: 11 Ways to lower car insurance
Why car insurance is so expensive in New Hampshire
If you think your New Hampshire car insurance rates seem high, it could be because of where you live. NH drivers may be subject to:
- High population density cities: If you live in a densely populated area with lots of traffic congestion, you’ll likely pay more for your car insurance premiums.
- Uninsured drivers: There may be a high amount of uninsured (or underinsured) drivers on the roads, putting you at a more significant financial risk for your insurance providers, leading them to charge you more.
- Pricey healthcare: High medical expenses means that your insurance provider will have to shell out more money if someone is injured in an accident, and they pass those costs onto you.
- Rate of car thefts: Regions with an increased incidence of car thefts can lead to steeper insurance costs, as insurers compensate for the higher risk of vehicle loss or damage.
- High risk of natural disasters: New Hampshire is at risk for flooding and even hurricanes, which both could severely damage your vehicle.
Considering these factors, it is not uncommon for car insurance in New Hampshire to be relatively expensive compared to other regions.
FAQ
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Do you need car insurance in New Hampshire?
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How much is car insurance in New Hampshire?
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Does New Hampshire require liability insurance?
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Do I need proof of insurance to register a car in New Hampshire?
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Does insurance follow the car or the driver in New Hampshire?
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What increase car insurance rates in New Hampshire?
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What are the best car insurance companies in New Hampshire?
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Do you need personal injury protection (PIP) in New Hampshire?
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What is full coverage car insurance in New Hampshire?
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Is car insurance more expensive in New Hampshire?
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Who has the best cheap car insurance in New Hampshire?
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Can your car get towed for no insurance in New Hampshire?
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Can you have out of state car insurance in New Hampshire?
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Can you have both PIP and MedPay in New Hampshire?
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
