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Cheapest Car Insurance in New Hampshire (Oct 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in New Hampshire.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

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 CompanyPremium (monthly)CustomerCarInsurance Coverage
Nationwide
$87
Toyota Scion TC
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$99
Mazda CX-5 Grand Touring
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$73
Honda FIT Sport
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$122
KIA Optima LX
• 100,000/300,000 Liability
• Comp / Collision
Clearcover
$64
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 6, 2024

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 companyDateCost 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
coverageLast Updated Sep 30, 2024
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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:
  • 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.
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Norman (22 years old)
coverageCoverage
State Minimum
locationWarner, NH
carFord Fusion SE
$105
per month
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Charles (24 years old)
coverageCoverage
State Minimum
locationTilton, NH
carMitsubishi Outlander Sport ES
$126
per month
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Leona (38 years old)
coverageCoverage
State Minimum
locationBerlin, NH
carFord Freestyle SEL
$224
per month
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Viola (53 years old)
coverageCoverage
State Minimum
carHyundai Elantra SE
$96
per month
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Clearcover
Glen (29 years old)
coverageCoverage
State Minimum
carNissan Altima 2.5
$64
per month
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Jason (21 years old)
coverageCoverage
State Minimum
locationAuburn, NH
carHyundai 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.
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 CoverageInsurance CompanyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$103
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
Travelers
$126
Mitsubishi Outlander Sport ES
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$96
Chevrolet Traverse LS
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$92
Hyundai Tucson SEL Convenience
• 30,000/60,000 Liability
• Comp / Collision
Mercury
$83
Hyundai Kona SEL
coverageLast 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
  • 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:
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
.

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

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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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 TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$184
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
Progressive
$76
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Oct 6, 2024

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Safeco
Excellent customer service
Mayowa
Progressive
I've had Progressive for the past six years and it was always a great rate and great service but Jerry saved me even more money.
Danielle
Progressive
The snapshot is amazing and I love that it helps me save money
Nicole
Allstate
They've been great! Quick and easy and saved me lots of money!
Cameron

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.
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Christian (31 years old)
DUI
coverageCoverage
State Minimum
$47
per month
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Katharine (33 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$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 TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Safeco
$71
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Progressive
$78
• 250,000/500,000 Liability
• Comp / Collision
Not At Fault
Allstate
$122
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Travelers
$108
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
Safeco
$71
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Oct 5, 2024

FAQ

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.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$112
Hyundai Tucson SE
• 100,000/300,000 Liability
• Comp / Collision
Defective Equipment
Travelers
$194
Honda Accord EX
• 100,000/300,000 Liability
• Comp / Collision
Driving on Sus. License
Safeco
$110
Mini Cooper Countryman
• 100,000/300,000 Liability
DUI
Progressive
$101
Honda CR-V EXL
• 100,000/300,000 Liability
Failure to Stop
Nationwide
$156
BMW 320 i xDrive
• 50,000/100,000 Liability
• Comp / Collision
Improper Passing
Progressive
$231
Chevrolet Cruze LT
• State Minimum Liability
• Comp / Collision
Speeding Violation-Major
Travelers
$185
Ford F150 Supercrew
• 50,000/100,000 Liability
• Comp / Collision
Speeding Violation-Minor
Allstate
$295
Volvo S60 T5
• 100,000/300,000 Liability
• Comp / Collision
Suspension
Safeco
$110
Mini Cooper Countryman
• 100,000/300,000 Liability
Failure to show documents
Nationwide
$96
Hyundai Elantra SE
• State Minimum Liability
• Comp / Collision
coverageLast 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.
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Leroy (61 years old)
Currently Insured
coverageCoverage
State Minimum
locationSeabrook, NH
carFord Edge SEL
$67
per month
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Jared (33 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda Accord Sport
$125
per month
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Virgie (40 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationConway, NH
carChevrolet Traverse LS
$96
per month
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Nell (33 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda Accord Sport
$145
per month
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Gertrude (42 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carKIA Optima LX
$122
per month
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Alvin (24 years old)
Not Currently Insured
coverageCoverage
State Minimum
carNissan 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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$63
Nissan Rogue S
• State Minimum Liability
• Comp / Collision
660 - 750
Safeco
$86
Nissan Altima 2.5
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
Allstate
$259
Ford Ecosport SES
• 50,000/100,000 Liability
• Comp / Collision
< 550
Nationwide
$117
Nissan Rogue Sport S
• 100,000/300,000 Liability
• Comp / Collision
coverageLast 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
.
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Charlotte (22 years old)
coverageCoverage
State Minimum
locationWarner, NH
carFord Fusion SE
$105
per month
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Francis (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$124
per month
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Hester (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationStratham, NH
carVolvo S60 T5
$181
per month
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Beulah (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationGreenland, NH
$108
per month
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Lucy (24 years old)
coverageCoverage
State Minimum
locationAllenstown, NH
carSubaru Impreza 2.5I
$74
per month
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Georgia (21 years old)
coverageCoverage
State Minimum
locationAuburn, NH
carHyundai 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.
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Jimmy (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPlymouth, NH
$128
per month
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Mason (74 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carDodge Grand Caravan SE
$133
per month
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Walter (69 years old)
coverageCoverage
State Minimum
locationEpsom, NH
carKIA Sportage LX
$89
per month
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Stephen (82 years old)
coverageCoverage
No Coverage
carHonda HR-V LX
$65
per month
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Eugene (75 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMercedes-Benz S 550 4matic
$135
per month

Over 3,500,000 customers and counting

We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.
Allstate
Grateful for this app and helping me save money!
Aaron
Progressive
Great customer service
Michelle
Safeco
Great experience definitely recommend
Adrian
National General
This is my first time getting into an insurance app & they did not let me down!
Alberto

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
CityCustomerInsurance CompanyPremium (monthly)CarInsurance 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
coverageLast 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:
  1. Comparison shop! Gather quotes from multiple insurance providers to find the best car insurance for you.
  2. Bundle your auto coverage with homeowners insurance
    , renters insurance, or other types of coverage to access a discount.
  3. 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. 
  4. Opt for a higher deductible for comprehensive and collision coverage to lower your annual costs. 
  5. Try to increase your credit score, as it can have a positive impact on your insurance premiums.
  6. Take an approved defensive driving course, which can lead to lower insurance rates.
  7. 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.

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

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.
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.
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.
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.
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.
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
Some of the most popular car insurance companies in New Hampshire include:
  • The General
  • National General
  • Farmers
  • State Farm
  • Nationwide
No, personal injury protection (PIP) coverage is not required 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.
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.
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!
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.
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.
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

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R.E. Fulton
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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.
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Lina Zhang
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Licensed Insurance Agent
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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.
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Josh Damico
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Head Of Insurance Operations
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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.
*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.