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Compare Best Cheap Car Insurance Quotes in New Hampshire, 2023

New Hampshire drivers save as much as $480/year when switching with Jerry. Compare quotes from top insurance companies including Progressive, Allstate, and AAA for free today!
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of basic liability car insurance in New Hampshire is $2,307 per year. Opting for full-coverage car insurance in New Hampshire will leave you with an average cost of $2,031 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.

Compare Best Car Insurance Quotes in New Hampshire

New Hampshire auto insurance companies base your rate on a wide range of factors, from your age, gender, and marital status to your ZIP code, your vehicle type and usage, and your credit score. That means your auto insurance rates could look very different from the averages shown above.
Take a look below at what real Jerry customers saved—and what they thought about the experience:
Quote DateCar
Before Jerry
After Jerry
CityNameAgeInsurance Company
March 18, 2023Toyota RAV4 Adventure$125/mo.$69/mo.ManchesterSamuel H.30Progressive
March 16, 2023Toyota Tacoma Double Cab$171/mo.$63/mo.KeeneAmy H.46Progressive
March 12, 2023Honda Civic EX$120/mo.$78/mo.NashuaRosa R.26Progressive
March 7, 2023Nissan Rogue Sport S$132/mo.$98/mo.ManchesterCarlos C.40Progressive
February 27, 2023Kia Soul +$115/mo.$78/mo.ConcordEva H.44Progressive

Best car insurance companies in New Hampshire

The best auto insurance companies for New Hampshire drivers include State Farm, GEICO, and Progressive—but the best company for you will depend on why you’re buying insurance and how much coverage you need.
You see, New Hampshire’s auto insurance laws are different from any other state. While just about every state requires all drivers to purchase car insurance as proof of financial responsibility, New Hampshire law only requires certain high-risk drivers to buy insurance after a violation.
Of course, it’s still a good idea to purchase insurance even if you’ve got a spotless record—that’s why New Hampshire actually has one of the lowest rates of uninsured drivers in the country!
Insurance Company
Average Cost
Annual Savings with Jerry
Compare Prices

New Hampshire car insurance FAQs

On average, drivers in New Hampshire pay $760 per year for full coverage car insurance. But remember, things like your driving record, zip code, and even your marital status can impact your car insurance rates.
If you’re paying $200 a month for New Hampshire car insurance, you’re likely paying about the same as the average New Hampshire driver.
Not exactly. New Hampshire is one of only five US states with no sales taxes. This means you’ll only pay the sticker price for your new ride, with no added taxes. However, you’ll still be required to pay personal property tax on your car with each annual registration.
While New Hampshire doesn’t charge sales tax on cars (or anything else, for that matter), New Hampshire drivers do pay an annual personal property tax for their vehicles.

How much does car insurance cost in New Hampshire?

Good news: New Hampshire drivers enjoy some of the lowest average car insurance rates in the country!
There are a few reasons for that: low population density, a low number of uninsured drivers, and reasonable car repair costs all keep car insurance premiums in the Granite State well below the national average. Of course, some drivers will pay more, usually due to violations. Teen drivers also pay elevated rates (more on that in a minute!).
Here’s a rundown of what you need to know about car insurance in New Hampshire:

New Hampshire car insurance requirements

Each state has minimum insurance requirements that you must meet before you can legally hit the road. If you’ve got certain violations on your record—like a DUI, reckless driving, or a hit-and-run—you’ll be required to purchase a minimum liability policy including at least $25,000 per person / $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
You’ll have to file an SR-22 certificate proving that you’ve got coverage that meets those limits, and you’ll need to maintain that coverage for three years.
New Hampshire doesn’t require insurance, but the DMV strongly recommends following the 25/50 rule. You should have a minimum of $25,000 of bodily injury liability per person and $50,000 per accident.
If you get pulled over, you are required to show your driver’s license and registration. Depending on your situation, you may be asked for your insurance ID card. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
No, New Hampshire is an at-fault state that gives you the option of buying no-fault coverage. If you purchase personal injury protection (PIP), and are involved in an accident, you and your passengers will have medical expenses paid for immediately, regardless of who is at fault for the accident or if you have health insurance. 
If you do not opt for this coverage, the at-fault driver’s insurance will pay for you and your passengers' injuries, once their insurance company accepts liability and confirms that there is enough coverage.
New Hampshire drivers who choose to buy liability coverage must also purchase equal amounts of uninsured motorist coverage (UIM) and at least $1,000 of medical payments coverage (sometimes called MedPay). UIM covers your medical costs if the other driver in an at-fault accident doesn’t have liability insurance or if you’re the victim of a hit-and-run, while MedPay offers broader coverage for medical expenses.
Collision insurance and comprehensive coverage, on the other hand, are never required by law in New Hampshire—but they’re still important. These are the only types of car insurance that can consistently cover damage to your vehicle from events like a car crash (collision) to vandalism, severe weather, and theft (comprehensive). They’re so important that a policy that includes both is often called a “full-coverage policy.”
Take a look at the graph below to understand how much you’re paying for each:

Cheap car insurance with a DUI or speeding ticket in New Hampshire

A DUI, a second speeding ticket, and an accident resulting in fatalities are just a few of the violations that can require you to purchase car insurance in New Hampshire. If you or a household member have any of these violations on your record, you’ll pay a higher annual rate.
That’s right—even if you’re a perfectly safe driver, someone else’s driving history could affect your premiums. That’s why having a broker like Jerry in your pocket can make such a big difference.
Check out the savings that Jerry users with violations found below:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$1,841$615
Driving on Sus. License$3,024$1,226
Speeding under 15$2,612$1,024
Improper Passing$2,819$965
Defective Equipment$2,723$898
Careless Driving$2,653$771
Failure to Obey Traffic Sign$1,988$522
Speeding over 15$1,020$92
Insurance Cost With a DUI in New Hampshire
If you get a DUI in New Hampshire, you can expect your car insurance to increase by an average of $65.41 per month.
Read New Hampshire DUI Information:
Insurance Cost With a Reckless Driving Citation in New Hampshire
If you have a reckless driving citation, you should expect your insurance to increase to an average of $65.25 per month.
Read New Hampshire Reckless Driving Information:

Cost to insure your car in New Hampshire by age

If you’re new to driving, you’re more likely to make mistakes. That’s why drivers under 25 years old in New Hampshire have a statistically higher rate of accidents and violations—and why they pay some of the highest premiums in the state.
Teen drivers (and their families) pay the highest rates based on their age. New Hampshire ranks 11th in the nation for teen driver safety, but insurance companies still view young drivers as a higher risk. While you’re unlikely to enjoy the same low rates as your parents, you can still find a great deal on car insurance by shopping around and maintaining a clean driving record.
How can young drivers save money on car insurance in New Hampshire?

New Hampshire car insurance rates by city

Where you live in the Granite State can have a huge impact on how much you’re likely to pay for insurance.
Take New Hampshire’s biggest towns as an example. Manchester is the largest city in New Hampshire, and Manchester car insurance costs are fairly high for the state thanks to urban density and frequent car accidents. Nashua car insurance costs are also high—but if you’re shopping for a policy in West Ossipee, you’ll likely find much lower rates. That’s because rural areas and small towns tend to have lower rates of accidents, vehicle theft, and vandalism.
Here’s a more specific breakdown of insurance prices for Jerry across New Hampshire:
Average Cost
Annual Savings with Jerry
Least Expensive Cities in New Hampshire
Hanover has the cheapest car insurance rates in New Hampshire: just $635 a year.
City with Highest Rates of Accidents in New Hampshire
Manchester has the highest accident rate in New Hampshire, as 14.36% of drivers have a prior at-fault accident on their record. Living in Manchester will result in higher premiums.
Read Manchester Accident Information:
Cities with the Longest Commute Times in New Hampshire
Raymond has the longest average commute time in New Hampshire at 35 minutes. The longer your driving time, the more likely that you will get in an accident. Longer commutes also add miles to your vehicle—all of which raise premiums.
Read Commuting Insurance Information:

Cost to insure your car in New Hampshire

The higher your vehicle’s value, the more you’ll pay to insure it. But that’s just the beginning of the impact your ride can have on your car insurance premiums.
Anything that makes insurance claims more expensive—from hard-to-find parts and expensive accessories to low safety ratings or a speed-hungry V8 engine—can raise your rates. That’s why SUVs typically have lower insurance costs than sedans, and luxury cars and trucks tend to have elevated premiums.
The result? Subaru Outback insurance costs are incredibly low, while Ram 1500 Rebel insurance costs and Nissan Altima 2.5 insurance costs are much higher.
Average Cost
Annual Savings with Jerry
Mazda 3 Sport$3,060$1,521
Honda Accord Sport$2,636$819
Hyundai Genesis 3.8L$1,754$690
Jeep Compass Latitude$1,765$424
Nissan Sentra S$1,650$379
Most Popular Car in New Hampshire
The Toyota Tacoma is the most popular vehicle in New Hampshire. Toyota Tacoma drivers spend $1,338 on car insurance every year on average, but drivers can use Jerry to find cheaper quotes.
Read more about your Toyota Tacoma:

Do you need more than the minimum car insurance in New Hampshire?

Most states have minimum insurance requirements that you must meet to hit the road.
Sticking to minimum coverage—whether that’s a bare-bones liability policy required by violations or the bundle of liability, UIM, and MedPay required for voluntary purchases—will keep your costs low. But it’s almost always a good idea to go beyond those coverage limits if you can afford it—and Jerry can help you with that!
Check out the features below for some key coverage types that New Hampshire drivers should consider:
New Hampshire ranks 45th nationally for its infrastructure and traffic. It is a good idea to have collision insurance so that you’re protected from accidents that result from poor driving or road conditions.
New Hampshire ranks 4th nationally for the least amount of vehicles stolen with only 1,044 vehicles stolen in 2020. Still, having comprehensive insurance is a good idea so you can rest easy knowing that you’re covered from incidents like theft, vandalism, and other non-collision damages.
In New Hampshire, 6.1% of drivers are uninsured. If an uninsured driver causes an accident, it can hurt you financially. Having uninsured/underinsured motorist insurance will cover you if you’re in an accident with a driver who doesn't have liability.
Read information about uninsured drivers:
Arizona has a 6/10 rating for road quality by residents. New Hampshire roads have a lot of areas to work on. We recommend getting roadside assistance. Roadside assistance gives you perks like towing, flat tires, and more, so you’re looked after when you hit a stray pothole and need some help.

How to save money on car insurance in New Hampshire

Reducing your car insurance costs is easier than you might think! Here are a few simple ways to lower your premium in New Hampshire without sacrificing coverage.

Shop around for quotes

Comparing car insurance quotes might not sound like a great time, but it’s the #1 way to lower your car insurance premium. Ideally, aim to compare rates from at least three different insurance companies. You can make the process easier by working with a trusted insurance broker or using a car insurance comparison app.

Look for discounts

Car insurance discounts can save you a tidy bundle on premiums, especially if you can stack multiple discounts. But insurance companies don’t always advertise the discounts that are available, so it’s worth checking what you might be eligible for.
Here are some of the most popular discounts for drivers in New Hampshire:
Clean Driving Record Discounts
Low-risk drivers are far less likely to file a claim, so insurance companies will give them discounts. Saving money is a nice bonus for driving safely.
Bundling Discounts
If you get home or renters insurance with the same carrier you have for your car insurance, you can save through a bundling discount.
Marital Discounts
Individuals that are married can qualify for a marital discount and save money on car insurance, as married people are statistically less likely to file an insurance claim.

Increase your deductible

Collision and comprehensive insurance both include deductibles—set amounts that you agree to pay out of pocket before insurance kicks in on a claim.
Typical car insurance deductibles are generally $500 or $1,000, but the higher your deductible, the less you’ll pay month to month to maintain the policy. If you’ve got enough cash on hand and you’d like to pay less, raising your deductible is a great way to free up some extra funds.
Just be careful—never pick a deductible that’s higher than what you could realistically pay out of pocket in the case of an accident.

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