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Updated on Oct 6, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in New Hampshire
Cheapest car insurance companies in New Hampshire
New Hampshire Car Insurance Coverage Requirements
New Hampshire Car Insurance Rating Factors
How Do Different Factors Impact Your Car Insurance Costs in New Hampshire?
Car Insurance for New Hampshire Drivers With a Low Credit Score
How to lower car insurance costs in New Hampshire
FAQs
Methodology
Meet our Experts

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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
Nationwide	$87	Viola, 43 Manchester, NH	Toyota Scion TC	• 50,000/100,000 Liability • Comp / Collision
Safeco	$99	Marian, 39 Nashua, NH	Mazda CX-5 Grand Touring	• 100,000/300,000 Liability • Comp / Collision
Travelers	$73	Eleanor, 43 Manchester, NH	Honda FIT Sport	• 100,000/300,000 Liability • Comp / Collision
Allstate	$122	Julian, 43 Nashua, NH	KIA Optima LX	• 100,000/300,000 Liability • Comp / Collision
Clearcover	$64	Glen, 29 Claremont, NH	Nissan Altima 2.5	• State Minimum Liability • Comp / Collision

Last Updated Oct 6, 2024

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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,

, and

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:
State Farm	September 30, 2024	4	"Our local office has always made things so easy anytime we've needed to change or update our policy and their rates a...(read more)" -Chester
The General	September 24, 2024	5	"Well I’ve got the lowest price around although I still believe 64 a month is way too much what can I do" -Laura
Progressive	September 23, 2024	5	"Thank you for picking me up" -Rosa
Progressive	September 23, 2024	3	"I have been with them.forn6 months and my rate hasn't gone down even those I have a b+ driving rate on there snap cha...(read more)" -Linnie
National General	September 20, 2024	5	"This was a simple process and I like that they offer many options. I called another provider and this one turned out ...(read more)" -Ina

Last Updated Sep 30, 2024

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.

The below chart includes rates for New Hampshire car drivers who utilized Jerry to secure affordable minimum liability plans.

Progressive

Norman (22 years old)

Coverage

State Minimum

Warner, NH

Ford Fusion SE

$105

per month

Travelers

Charles (24 years old)

Coverage

State Minimum

Tilton, NH

Mitsubishi Outlander Sport ES

$126

per month

AAA

Leona (38 years old)

Coverage

State Minimum

Berlin, NH

Ford Freestyle SEL

$224

per month

Nationwide

Viola (53 years old)

Coverage

State Minimum

Exeter, NH

Hyundai Elantra SE

$96

per month

Clearcover

Glen (29 years old)

Coverage

State Minimum

Claremont, NH

Nissan Altima 2.5

$64

per month

National General

Jason (21 years old)

Coverage

State Minimum

Auburn, NH

Hyundai Sonata SE

$128

per month

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.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

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	Insurance Company	Premium (monthly)	Customer	Car
• 100,000/300,000 Liability • Comp / Collision	Progressive	$103	Lora, 43 Sandown, NH	Nissan Altima 2.5
• State Minimum Liability • Comp / Collision	Travelers	$126	Charles, 24 Tilton, NH	Mitsubishi Outlander Sport ES
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$96	Catherine, 41 Conway, NH	Chevrolet Traverse LS
• 50,000/100,000 Liability • Comp / Collision	Safeco	$92	Nathan, 41 Nashua, NH	Hyundai Tucson SEL Convenience
• 30,000/60,000 Liability • Comp / Collision	Mercury	$83	Helen, 35 Whitefield, NH	Hyundai Kona SEL

Last Updated Oct 2, 2024

Average rates for state minimum liability coverage and full coverage

Car insurance in New Hampshire costs an annual average of $0 for full coverage and $0 for minimum coverage. That equals about $136 per month for a full coverage policy, or $0 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.

Not in New Hampshire?

Massachusetts car insurance

Vermont car insurance

Rhode Island car insurance

New York car insurance

Connecticut car insurance

Maine car insurance

New Jersey car insurance

Pennsylvania car insurance

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

How Do Different Factors Impact Your Car Insurance Costs in New Hampshire?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): New Hampshire currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in New Hampshire:

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	Insurance Coverage
Speeding 1-5	Progressive	$184	Tillie, 44 Manchester, NH	• 50,000/100,000 Liability • Comp / Collision
Speeding 6-10	Progressive	$76	Ian, 48 Littleton, NH	• 100,000/300,000 Liability • Comp / Collision

Last Updated Oct 6, 2024

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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.

Safeco

Christian (31 years old)

DUI

Coverage

State Minimum

Nashua, NH

Volkswagen Beetle

$47

per month

Safeco

Katharine (33 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Meredith, NH

Lexus GX

$56

per month

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.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
At Fault With Injury	Safeco	$71	Randall, 51 Derry, NH	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Progressive	$78	Erik, 59 Manchester, NH	• 250,000/500,000 Liability • Comp / Collision
Not At Fault	Allstate	$122	Clifford, 42 Nashua, NH	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Travelers	$108	Alejandro, 23 Greenland, NH	• 100,000/300,000 Liability • Comp / Collision
At Fault With Injury	Safeco	$71	Jeanette, 51 Derry, NH	• 100,000/300,000 Liability • Comp / Collision

Last Updated Oct 5, 2024

FAQ

Is New Hampshire an at-fault state?

Yes.

New Hampshire is an "at-fault" state

, meaning that motorists who are at fault for an accident may be held responsible for the resulting injuries and damages. Consequently, individuals who have been harmed by negligent drivers must establish the liability of the at-fault party to seek compensation for their losses.

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.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Careless Driving	Progressive	$112	Michael, 50 Franklin, NH	Hyundai Tucson SE	• 100,000/300,000 Liability • Comp / Collision
Defective Equipment	Travelers	$194	Marian, 28 Salem, NH	Honda Accord EX	• 100,000/300,000 Liability • Comp / Collision
Driving on Sus. License	Safeco	$110	Lola, 34 Nashua, NH	Mini Cooper Countryman	• 100,000/300,000 Liability
DUI	Progressive	$101	Margaret, 56 Sanbornton, NH	Honda CR-V EXL	• 100,000/300,000 Liability
Failure to Stop	Nationwide	$156	Joseph, 44 Manchester, NH	BMW 320 i xDrive	• 50,000/100,000 Liability • Comp / Collision
Improper Passing	Progressive	$231	Douglas, 25 Manchester, NH	Chevrolet Cruze LT	• State Minimum Liability • Comp / Collision
Speeding Violation-Major	Travelers	$185	Jackson, 25 Londonderry, NH	Ford F150 Supercrew	• 50,000/100,000 Liability • Comp / Collision
Speeding Violation-Minor	Allstate	$295	Cecilia, 22 Stratham, NH	Volvo S60 T5	• 100,000/300,000 Liability • Comp / Collision
Suspension	Safeco	$110	Verna, 34 Nashua, NH	Mini Cooper Countryman	• 100,000/300,000 Liability
Failure to show documents	Nationwide	$96	Maude, 52 Exeter, NH	Hyundai Elantra SE	• State Minimum Liability • Comp / Collision

Last Updated Oct 6, 2024

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.

Progressive

Leroy (61 years old)

Currently Insured

Coverage

State Minimum

Seabrook, NH

Ford Edge SEL

$67

per month

Travelers

Jared (33 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Manchester, NH

Honda Accord Sport

$125

per month

Nationwide

Virgie (40 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Conway, NH

Chevrolet Traverse LS

$96

per month

Allstate

Nell (33 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Manchester, NH

Honda Accord Sport

$145

per month

Allstate

Gertrude (42 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Nashua, NH

KIA Optima LX

$122

per month

Bristol West

Alvin (24 years old)

Not Currently Insured

Coverage

State Minimum

Dover, NH

Nissan Titan S

$350

per month

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).

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$63	Jason, 23 Newmarket, NH	Nissan Rogue S	• State Minimum Liability • Comp / Collision
660 - 750	Safeco	$86	Gavin, 23 Rochester, NH	Nissan Altima 2.5	• 50,000/100,000 Liability • Comp / Collision
550 - 659	Allstate	$259	Hettie, 58 Goffstown, NH	Ford Ecosport SES	• 50,000/100,000 Liability • Comp / Collision
< 550	Nationwide	$117	Blanche, 40 Manchester, NH	Nissan Rogue Sport S	• 100,000/300,000 Liability • Comp / Collision

Last Updated Oct 6, 2024

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

Progressive

Charlotte (22 years old)

Coverage

State Minimum

Warner, NH

Ford Fusion SE

$105

per month

Allstate

Francis (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Merrimack, NH

Chevrolet Impala

$124

per month

Safeco

Hester (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Stratham, NH

Volvo S60 T5

$181

per month

Travelers

Beulah (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Greenland, NH

Volkswagen Golf R

$108

per month

Safeco

Lucy (24 years old)

Coverage

State Minimum

Allenstown, NH

Subaru Impreza 2.5I

$74

per month

The General

Georgia (21 years old)

Coverage

State Minimum

Auburn, NH

Hyundai Sonata SE

$120

per month

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.

Progressive

Jimmy (65 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Plymouth, NH

RAM 1500 Classic Warlock

$128

per month

Progressive

Mason (74 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Laconia, NH

Dodge Grand Caravan SE

$133

per month

Travelers

Walter (69 years old)

Coverage

State Minimum

Epsom, NH

KIA Sportage LX

$89

per month

Safeco

Stephen (82 years old)

Coverage

No Coverage

Nashua, NH

Honda HR-V LX

$65

per month

Travelers

Eugene (75 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Manchester, NH

Mercedes-Benz S 550 4matic

$135

per month

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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
Honda Civic Sport	Progressive	$81	Raymond, 29 Dover, NH	• 50,000/100,000 Liability
Toyota Corolla L	Safeco	$130	Vera, 46 Wilton, NH	• 100,000/300,000 Liability • Comp / Collision

Last Updated Oct 1, 2024

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.

Progressive

Bessie (23 years old)

2004 Chevrolet Impala

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Merrimack, NH

$138

per month

Progressive

Mamie (60 years old)

2002 Nissan Frontier King Cab XE

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Loudon, NH

$64

per month

Nationwide

Pauline (64 years old)

1999 Dodge RAM 2500

Coverage

State Minimum

Hooksett, NH

$82

per month

Allstate

Sallie (45 years old)

2000 Ford Excursion XLT

Coverage

50,000 per person

100,000 per accident bodily injury

Concord, NH

$71

per month

Safeco

David (31 years old)

2001 Honda Accord LX

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Dover, NH

$98

per month

Bristol West

Patrick (38 years old)

2005 Ford Freestyle SEL

Coverage

State Minimum

Berlin, NH

$153

per month

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
Laconia, NH	Gussie, 32	Progressive	$110	Nissan Altima SV	• State Minimum Liability • Comp / Collision
Nashua, NH	Landon, 43	Allstate	$122	KIA Optima LX	• 100,000/300,000 Liability • Comp / Collision
Nashua, NH	Lina, 39	Safeco	$99	Mazda CX-5 Grand Touring	• 100,000/300,000 Liability • Comp / Collision
Manchester, NH	Millie, 43	Travelers	$73	Honda FIT Sport	• 100,000/300,000 Liability • Comp / Collision
Meredith, NH	Olivia, 38	Nationwide	$81	Toyota RAV4 Prime SE	• No Coverage Liability
Claremont, NH	Glen, 29	Clearcover	$64	Nissan Altima 2.5	• State Minimum Liability • Comp / Collision
Dover, NH	Leonard, 25	Bristol West	$350	Nissan Titan S	• State Minimum Liability • Comp / Collision
Derry, NH	Bill, 34	Embark General	$249	Volkswagen Passat R-Line	• 20,000/40,000 Liability • Comp / Collision
Dover, NH	Celia, 40	Metlife	$108	KIA Niro FE	• 100,000/300,000 Liability • Comp / Collision

Last Updated Oct 4, 2024

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.

FAQs

Do you need car insurance in New Hampshire?

In New Hampshire, you’ll have to follow the 25/50/25 rule. This means that your policy must 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.

How much is car insurance in New Hampshire?

The insurance rates for individuals differ based on various factors taken into account by insurance companies when determining premiums. We strongly advise you to explore and compare insurance rates from multiple providers. By investing time in shopping around and obtaining quotes, you can discover insurance coverage that suits your specific needs at an affordable price.

Does New Hampshire require liability insurance?

No. New Hampshire is one of only two states that do not legally require drivers to have auto insurance, though you may need it if you’ve been convicted of certain driving offenses.

Do I need proof of insurance to register a car in New Hampshire?

No. Unless you qualify as a driver required to carry minimum liability insurance, you won't have to provide proof of insurance to register a vehicle in New Hampshire.

Does insurance follow the car or the driver in New Hampshire?

Car insurance usually follows the car

in New Hampshire. This means that all auto liability policies in New Hampshire cover a "nonowner" operator if they are driving the motor vehicle with the permission of the insured party.

What increases car insurance rates in New Hampshire?

Individual car insurance rates can increase due to a number of factors, but those that have the biggest effect on your premium include:

Driving record

Geographic location

Vehicle type

Usage

Credit score

What are the best car insurance companies in New Hampshire?

Some of the most popular car insurance companies in New Hampshire include:

The General

National General

Farmers

State Farm

Nationwide

Do you need personal injury protection (PIP) in New Hampshire?

No, personal injury protection (PIP) coverage is not required in New Hampshire.

What is full coverage car insurance in New Hampshire?

Like most states, full coverage car insurance in New Hampshire includes at least the minimum levels of liability coverage, comprehensive coverage, and collision insurance.

Is car insurance more expensive in New Hampshire?

No. Car insurance in New Hampshire is often cheaper than the national average. However, what you pay is highly dependent upon a number of individualized factors.

Who has the best cheap car insurance in New Hampshire?

According to a study conducted by Jerry, which surveyed over 15,000 car insurance policy holders, no single auto insurance provider offers the absolute cheapest rates for every driver.

Thus, you’ll have to shop around—for the cheapest policy for you might not be the cheapest policy for your friends and neighbors. Fortunately, a car insurance comparison app or website makes the comparison shopping process quite painless!

Can your car get towed for no insurance in New Hampshire?

Probably not. In states that require minimum liability coverage, your vehicle could be towed if you don’t have adequate coverage. As New Hampshire doesn’t require insurance for all drivers, you probably won’t have your vehicle towed if you don’t carry coverage.

That said, if you’re one of the NH residents required to carry car insurance to drive legally, you could have a vehicle towed if you purchase the required coverage.

Can you have out of state car insurance in New Hampshire?

As long as you have a valid U.S. car insurance policy, you’ll generally be covered in all 50 states and Canada.

However, if you reside in New Hampshire, you’ll be required to obtain a New Hampshire insurance policy. There may be some exceptions to this rule—such as if you’re a resident of multiple states—so it’s best to contact your insurance provider directly for exact clarification.

Can you have both PIP and MedPay in New Hampshire?

Yes, you may absolutely opt to stack PIP coverage on top of MedPay for added protection.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

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

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just 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.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

Learn more

about our editorial standards, and our expert review board

*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.