New Hampshire is one of only two states that does not require drivers to carry auto insurance.
While car insurance is not required in New Hampshire, it is highly recommended by the DMV. Plus, it’s always a good idea to protect yourself in the event of a costly accident.
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in New Hampshire. If you want to learn more about New Hampshire’s car insurance rates, then read on.
Cheapest minimum coverage car insurance in New Hampshire
In New Hampshire, people who purchase car insurance are required to get the following minimum coverages:
$[25,000] bodily injury liability per person
$[50,000] bodily injury liability per accident
$[25,000] property damage liability per accident
Car insurance is not required in New Hampshire, But if you do purchase a policy, you’ll need to meet these required minimums. People with traffic offenses or DUIs on their record will need to get car insurance, even in the state of New Hampshire.
Be aware that, in some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
First, let’s go over how much Jerry users pay for minimum liability car insurance in New Hampshire:
Additional coverages you might want to consider when shopping for car insurance in New Hampshire
Coverage to consider
Approximately 10% of New Hampshire drivers don’t have insurance. Uninsured motorist protection helps cover any damages incurred as a result of an accident with a driver who doesn’t carry insurance.
Comprehensive insurance covers damage to your vehicle that happens as a result of these types of severe weather events.
High collision risk
If you get into an accident with another vehicle, collision insurance will cover repair costs for your car.
New Hampshire is generally an affordable place to drive, but it does present unique risks due to its rural status and the relatively high percentage of uninsured drivers. Before purchasing car insurance, make sure you consider additional coverage (like Medpay) to protect you and your passengers from unexpected costs.
Best carriers for minimum coverage car insurance in New Hampshire
Just because minimum insurance isn’t required in New Hampshire, doesn’t mean driving without insurance is a good idea.
If you’re in an accident without insurance, you could potentially be on the hook for costly medical bills (that would amount to far more than a minimum insurance premium).
Jerry can help you find minimum insurance in New Hampshire for the best price, so you never have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in New Hampshire:
While minimum coverage is enough to cover some costs in New Hampshire, full coverage—which includes comprehensive and collision insurance—offers stronger protection and can provide peace of mind. Choose a company that offers the protection you need and service you can rely on.
Cost to insure your car in New Hampshire by age
Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
If you’re a young driver in New Hampshire, here’s what you need to know.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age—whether you live in rural New Hampshire or move to a city like Manchester—start by quote shopping with Jerry.
Cost of insurance for drivers in New Hampshire with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In New Hampshire, insurance companies have access to all your traffic offenses within the last 10 years.
If you commit another violation within that period, it will be considered a second offense and you’ll be hit with even more serious penalties. Plus, you’ll be required to carry insurance (even if you didn’t previously need it).
For very serious offenses, New Hampshire drivers may be looking at an even longer waiting period.
But there’s good news! Jerry can help New Hampshire drivers find great car insurance even with a blemish on their driving record.
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible to find affordable insurance in New Hampshire if you have a traffic violation on your record.
Types of discounts that might be available to you in New Hampshire
Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in New Hampshire. Here are some to keep an eye out for:
Customer loyalty (e.g. bundling, early renewal)
Demographic (e.g. good student, senior)
Driver affiliations (e.g. military, affinity)
Driving history (e.g. accident-free, safe driver)
Driver training (e.g. defensive driver course)
Equipment-related (e.g. anti-theft, new car)
Payment (e.g. auto-pay, paperless)
Some of the most common car insurance discounts in New Hampshire include:
Who is eligible?
Driver education discounts
Older New Hampshire drivers who refresh their driving knowledge can get a 5-10% discount on their premium. Ask your insurance company about approved courses. Usually, it’s as simple as taking an online course.
Paperless billing and automatic payments
Enroll in paperless billing and you could qualify for a discount between 2 and 25%.
Bundling your policies
Get your car and home policies from the same company and you could enjoy a reduced premium.
Safe driver discount
New Hampshire drivers with a good record can usually get a “safe driver” discount. If you’ve never had a crash or a speeding ticket, ask about this discount. You may have to wait six months to prove that you’re a safe driver.
In exchange for installing a free telematics device in your vehicle, you could get a discount on your premium. The device passively tracks your driving behavior and allows the company to reward you for safe driving.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.
How much does it cost to insure my car make in New Hampshire?
The most popular car in New Hampshire is the Ford F-Series pickup. This model is perfect for commuting as well as adventuring. If you drive a Ford truck in New Hampshire, you’re likely to enjoy lower than average insurance rates.
If you drive a relatively inexpensive car or truck, you can generally expect to pay lower insurance premiums. This is because it will cost less to repair or replace a common model than a rare and expensive vehicle.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident. Usage-based car insurance policies reward these drivers with discounts.
Here’s what New Hampshire drivers can expect to pay to insure some popular car makes/models with and without Jerry:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Generally, areas with lower population density tend to have lower insurance rates. This can help bring down the monthly payment for rural New Hampshire drivers. However, urban dwellers—the majority of New Hampshire drivers—can expect to pay slightly more.
Here are the cheapest cities for car insurance in New Hampshire:
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.