Car Insurance in New Hampshire

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TABLE OF CONTENTS
  • How Much is Car Insurance in New Hampshire?
  • Real Quotes for Jerry.ai Customers in New Hampshire
  • The Cheapest Car Insurance in New Hampshire
  • Most Popular Insurance Companies in New Hampshire
  • Cost to Insure Different Cars in New Hampshire
  • Car Insurance Laws in New Hampshire
  • Car Registration Information in New Hampshire
Looking for car insurance in New Hampshire? Here you’ll find all the information you need on driving a car in The Granite State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Manchester or Concord, Nashua or Derry — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for New Hampshire car insurance.

How Much is Car Insurance in New Hampshire?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in New Hampshire, here’s what you should know about how much you’ll pay for insurance: On average, drivers in New Hampshire pay $1,482.08 each year for car insurance. This means drivers in New Hampshire pay 49% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
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What’s Your Rate?

But how do you know what policy is right for you in New Hampshire? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in New Hampshire, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in New Hampshire

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
2020-12-31
  • Kia Optima Ex
  • Kia Sorento Ex
35 year old maleProgressive$188.67$90.33Preferred
2021-01-12
  • Honda Civic Ex
22 year old femaleProgressive$111.83$63.17Preferred
2021-02-03
  • Toyota Corolla L
23 year old femaleProgressive$117.50$47.50Preferred
2021-01-05
  • Toyota Rav4 Xle
39 year old femaleNationwide$77.59$80.41Preferred
2021-03-16
  • Ford Ranger Super Cab
27 year old maleProgressive$57.67$36Standard

The Cheapest Car Insurance in New Hampshire

Which companies offer cheap car insurance in New Hampshire? Below, we’ve ranked New Hampshire car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
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Cheapest Car Insurance in New Hampshire for Basic Coverage

There’s all kinds of auto insurance you can get in New Hampshire, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by New Hampshire. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in New Hampshire, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in New Hampshire

Filters
RankCompany nameAvg. Annual Premium
1Progressive$910

Real Jerry Quotes for Basic Coverage in New Hampshire

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-01-06
  • Bmw 328 Xi Sulev
21 year old maleProgressive$60.83$190.17
2021-02-12
  • Ram 1500 Classic Warlock
52 year old maleProgressive$54.17$120.83
2021-01-12
  • Chevrolet Colorado Z71
  • Ford F350 Super Duty
  • Bmw Z4 2.5
  • Hummer H2
59 year old femaleProgressive$80.83$266.17
2021-04-05
  • Kia Rio Lx
  • Kia Soul Lx
34 year old femaleProgressive$57$143
2021-01-23
  • Audi S5 Prestige
24 year old maleProgressive$51.17$148.83

Average Cheapest Car Insurance for Standard Plans in New Hampshire

Most drivers will want more than the basic minimum coverage that New Hampshire requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in New Hampshire, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in New Hampshire

Filters
RankCompany nameAvg. Annual Premium
1Nationwide$1,026
2Progressive$1,050
3Safeco$1,261
4Travelers$1,353

Real Jerry Quotes for Standard Coverage in New Hampshire

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-01-30
  • Nissan Rogue Select S
30 year old femaleTravelers$81.58$13.42
2021-01-17
  • Dodge Avenger Se
23 year old femaleProgressive$67.50$130.50
2021-01-05
  • Hyundai Sonata Sport
22 year old maleTravelers$112.83$48.16
2021-02-17
  • Honda Fit Ex
21 year old maleProgressive$137.33$34.67
2021-01-09
  • Lexus Es 350
32 year old maleNationwide$54.81$35.19

Cheapest Car Insurance in New Hampshire for Preferred Coverage

Preferred coverage protects New Hampshire drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in New Hampshire, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in New Hampshire

Filters
RankCompany nameAvg. Annual Premium
1Nationwide$1,144
2Progressive$1,196
3Safeco$1,345
4Travelers$1,524

Real Jerry Quotes for Preferred Coverage in New Hampshire

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-01-23
  • Ram 1500 Longhorn
  • Ford Mustang
25 year old maleProgressive$107.67$75.66
2021-03-12
  • Hyundai Sonata Sport
23 year old femaleTravelers$162.92$89.08
2021-01-03
  • Chevrolet Silverado K1500 Lt
61 year old maleTravelers$53.67$65.33
2021-03-13
  • Audi S4 Premium Plus
55 year old maleProgressive$80$94
2021-02-09
  • Toyota Rav4 Le
27 year old maleProgressive$64.33$92.23
Insurance companyAverage annual premium in New Hampshire
Progressive$1,178.44

Cost to Insure Different Cars in New Hampshire

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for New Hampshire drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in New Hampshire. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-03-10
  • Nissan Sentra 2.0
27 year old femaleProgressive$87.50$26.50Standard
2021-02-14
  • Audi A4 Premium S-line
25 year old maleProgressive$94.67$42.33Preferred
2021-01-03
  • Ford F150 Supercrew
29 year old maleProgressive$52.50$27.50Preferred
2021-03-22
  • Cadillac Srx
38 year old femaleProgressive$56.17$72.83Standard
2021-01-05
  • Mercedes-benz Glk 350 4matic
29 year old femaleProgressive$69.67$55.33Preferred
2021-04-01
  • Honda Pilot Lx
27 year old maleProgressive$79$69Preferred
2021-01-13
  • Ram 1500 Big Horn/lone Star
57 year old maleNationwide$59.77$46.23Standard

Car Insurance Laws in New Hampshire

Cold winters with plenty of snow are normal for New Hampshire, and it certainly makes driving tricky during a fair part of the year. Drivers in the state are known to be among the worst in the nation, too, and not just because of poor weather. Their rating of fifth-worst drivers in America is partly due to a high rate of speeding. It isn’t a stretch to correlate excessive speed with car accidents, especially if the weather is dicey.
Still, New Hampshire puts the decision in the people’s hands when it comes to car insurance. It’s one of the few states in the U.S. that does not require minimum insurance coverage for drivers.

What Car insurance is Required by Law in New Hampshire?

Residents of New Hampshire are in a unique situation as the state does not require mandatory motor vehicle insurance to operate on the roads. While registration is required, it’s up to the driver in most circumstances to maintain the level of insurance they’re comfortable carrying.
That’s not all it seems, however. New Hampshire is an at-fault state, meaning that the driver who causes a car accident is liable for the damages associated with it. Absent Personal Injury Protection (PIP)(PIP) and Property Damage Liability (PDL) coverage, the driver at fault is personally responsible to cover all the costs from the incident. That can include medical expenses, doctor’s bills, ambulance rides, lost wages, and more. Without adequate insurance, at-fault drivers can find themselves in court to settle up any compensation claims.
There are certain situations where proof of insurance, commonly called an SR-22 is required, though:
  • Mandatory proof of insurance is required for a minimum of three years after a DWI conviction.
  • It may be required to get an SR-22 certificate to prove PIP insurance, PDL, and uninsured motorist coverage to lift driving restrictions for habitual offenders.
  • Some drivers may be mandated to obtain insurance as a condition to retain their license after certain offenses.
  • Convictions including leaving an accident scene, repeated reckless operation convictions, and DWIs will require an SR-22 to be filed.
  • And, if you are at fault in an uninsured accident, you will be required to file proof of insurance for at least three years from the accident’s date.
Not only is it a good idea to protect yourself and others with adequate auto insurance coverage, but it can prevent the trouble of filing proof of insurance, then relieving the requirement in the future.

Can You Drive a Car Without Insurance in New Hampshire?

Yes, it is legal to drive a car in the state of New Hampshire without car insurance, but it is ill-advised. If you‘re in an accident without adequate car insurance, you’ll be financially responsible for all of the costs for you, any other parties, plus all property damage. You will need to file an SR-22 proof of insurance afterward that costs around $15.

What are the Minimum Car Insurance Requirements in New Hampshire?

There are no minimum car insurance requirements to legally drive in New Hampshire. It is strongly encouraged and a popular practice to have at least some car insurance coverage, however. A standard amount of insurance would be:
  • Bodily injury coverage per person per accident: $25,000
  • Bodily injury coverage per accident: $50,000
  • Property damage liability per accident: $25,000

Car Registration Information in New Hampshire

Unlike car insurance, vehicle registration is compulsory for residents who own a car. In New Hampshire, registering a vehicle is a two-part process: first filing with the town or city of residence, and second filing with the state. Fees are paid to each office separately and aren’t necessarily the same everywhere.
When you register your vehicle with the state of New Hampshire, you’ll be issued license plates to affix to the rear of your vehicle. You’ll also receive a registration certificate from both the state and your city or town that must be kept with the vehicle detailing the vehicle identification number, license plate, and the name or the person registering the vehicle.
Registration renewals begin by visiting the city department first to pay your permit fees. In many instances, the same office can file your state registration renewal for a small fee. To determine if you can renew online, by mail, or if in-person renewal is required, you need to contact the city office.
Initial registration fees are based on your vehicle’s weight and type, as well as an $8 charge to be issued license plates. For example, vehicles with a GVW under 3,000 lbs. are $31.20 for the New Hampshire registration charge in addition to the city charge set separately. There is no grace period for registrations, so they must be done by the end of the one-year period.
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