Car Insurance in New Hampshire

Find out if you're getting ripped off on your car insurance in less than two minutes.
Find insurance savings (100% Free)
No long forms · No spam · No fees
4.7
App rating
25M
Insurance Quotes
900K+
Happy users
$15M+
Savings found every month

Looking for cheap car insurance in New Hampshire?

Almost all US states require drivers to carry a certain minimum amount of car insurance—but New Hampshire is not one of them. But for those who do opt to purchase insurance, rates are relatively affordable due to low population density and reasonable vehicle repair costs.
Your location is just one of the factors that goes into your insurance premium, though. So whether it’s Manchester, Nashua, or Concord that you call home, comparing rates between providers can help you find the best deal.
Jerry can help by quickly and easily comparing rates from dozens of insurance companies. And once you find a policy (and price!) you like, Jerry handles the switch from start to finish.
Sounds too good to believe? Check out these quotes from real Jerry customers in New Hampshire:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
April 13, 2021Ford Ecosport SManchester25Progressive$320/mo.$75/mo.
July 24, 2021Mazda 3 IManchester55Progressive$142/mo.$94/mo.
August 27, 2021Chevrolet Silverado K2500 Heavy Duty LTLoudon52Nationwide$171/mo.$98/mo.
August 22, 2021Honda Accord SportManchester28Progressive$300/mo.$185/mo.
January 23, 2021Ford Fusion SENashua21Progressive$292/mo.$205/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does car insurance cost in New Hampshire?

The average cost of basic liability car insurance in New Hampshire is $1,717 per year. Opting for full-coverage car insurance in New Hampshire will leave you with an average cost of $1,312 per year.

How does the annual cost in New Hampshire compare to the rest of the country?

In comparison, the national average is $1,764 per year to buy basic liability car insurance and $2,486 per year to buy full-coverage car insurance.
Car insurance rates are quite low in New Hampshire due to:
  • Low population density across much of the state
  • Low percentage of uninsured drivers
  • Reasonable repair costs for vehicles
Here’s how the insurance savings with Jerry in New Hampshire compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
NH$1,973$1,197$1,104$756$1,482$1,157
National Average$2,491$1,672$2,359$1,390$2,763$1,962
NHNational Average
All Coverage Before Jerry
$1,973$2,491
All Coverage After Jerry
$1,197$1,672
Minimum Coverage Before Jerry
$1,104$2,359
Minimum Coverage After Jerry
$756$1,390
Full Coverage Before Jerry
$1,482$2,763
Full Coverage After Jerry
$1,157$1,962
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Top auto insurance providers in New Hampshire

Despite car insurance not being a requirement for drivers, there are a fair few providers in New Hampshire. It’s home to several top insurers, including USAA, GEICO, and State Farm.
Finding the right insurance company can feel a little overwhelming though. Since they each have their own methods for setting premiums, you’ll get different quotes from all of them—even for the same coverage.
Your age, driving record, and location all influence your premium. And your car makes a difference, too.
If you drive an upgraded Acura MDX, for example, you’ll pay more for full-coverage insurance than you would for a base model Honda CR-V because more expensive cars typically cost more to insure.
Check out some of the great prices that Jerry customers have found with various insurance companies in New Hampshire:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$3,584$1,681Compare Prices
Allstate$2,649$1,150Compare Prices
Nationwide$2,221$851Compare Prices
Travelers$2,140$511Compare Prices
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

What car insurance do you need in New Hampshire

Drivers in New Hampshire aren’t obligated to purchase insurance. But for those who choose to, the coverage must be at least the following:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$25,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Uninsured motorist coverage$25,000 per person / $50,000 per accidentReimburses you for your expenses from an accident caused by an uninsured driver
Medical payments (MedPay)Covers medical costs for you and your passengers if you’re injured in a car accident
If you really want to protect yourself and your vehicle, it’s a good idea to purchase as much insurance as you can afford. Here are some other recommended coverage options:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Personal injury protectionCovers medical expenses, lost wages, and rehabilitation costs after an accident
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
If you choose not to get insurance, you must be able to prove that you have sufficient funds to meet New Hampshire Motor Vehicle Financial Responsibility Requirements if you cause an accident.
Thankfully, finding insurance doesn’t have to be a painful process. Jerry is the super app that helps you save time and money on your car expenses, including insurance.
Jerry compares quotes from 50+ insurance companies like Progressive and Travelers to find the best rates. And once you choose the one you want, Jerry will handle the paperwork, phone calls, and even help cancel your old policy.
Now that you know what type of insurance you need, let’s break down the factors that impact the cost.

How is your cost of car insurance determined in New Hampshire?

While a number of factors impact your insurance rates, some of the main ones are your age, driving record, location, and vehicle.

Cost to insure your car in New Hampshire by age

Insurers value experience. And since young drivers are some of the most inexperienced (and riskiest) on the road, they tend to have much higher insurance rates than middle-age drivers.
What young drivers in New Hampshire need to know
  • Taking a defensive driving course can reinforce safe driving behaviors and help reduce premiums
  • Maintaining a good average can qualify student drivers for a good student discount
If you’re a young driver, your best bet for finding more affordable rates is to shop around and maintain a clean driving record.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,228$1,126
21-24$2,495$976
25-34$2,664$939
35-44$2,132$728
45-54$2,199$1,237
55-64$2,436$1,004
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in New Hampshire with a poor driving record

Risk plays a significant role in your final insurance rate—and insurance companies look at your driving record to help them understand how risky you are to insure. If you have speeding tickets, accidents, and serious offenses like reckless driving on your record, expect to pay a lot more for your car insurance for up to 10 years.
So, can you save money on car insurance if you have driving violations? Yes—and comparison shopping with Jerry makes finding a great deal easy.
Here’s just a sample of the savings that Jerry customers with poor driving records have found:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,216$712
Driving on Sus. License$4,944$2,388
Passing School Bus$3,696$1,912
Speeding under 15$3,843$1,807
DUI$2,429$1,148
Improper Passing$3,458$989
Careless Driving$3,600$976
Failure to Obey Traffic Sign$2,123$603
Leaving scene of an Accident/Hit and Run$1,315$401
Speeding over 15$1,200$108
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in New Hampshire based on where you live

New Hampshire is home to just 1.36 million people. However, it’s a small state so it has a higher population density than you might expect, with about 147 people per square mile.
Manchester is the largest city and has a much higher population density than the state average. If you live in Manchester or a similarly dense city, you’ll probably find that your insurance rates are higher than the state average.
Generally speaking, drivers in cities tend to pay more than those in rural areas since urban centers have higher rates of accidents, thefts, and claims.
Here are the top 10 cheapest cities for car insurance in New Hampshire:
City
Average Cost
Annual Savings with Jerry
Concord
$1,512$668
Derry$1,625$446
Dover$2,544$988
Lebanon$1,741$713
Manchester$2,999$1,012
Nashua$2,599$900
Portsmouth
$1,331$412
Rochester
$2,289$941
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in New Hampshire based on the type of car you drive

As you might expect, insurance companies also consider what kind of vehicle you drive. If you drive something like a Mazda 3, Subaru Forester, or Jeep Compass, you can expect to find fairly affordable rates.
Relatively inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you’re in an accident. And the less you drive, the lower your premium will be.
If you want to insure a luxury or sports car, you’ll probably find that your rates are much higher than the state average.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Honda Accord Sport$3,569$1,070
Ford Focus Rs$2,136$769
Subaru Forester 2.5I Premium$1,344$615
Hyundai Sonata SE$1,080$408
Chevrolet Trax LS$2,124$365
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How to save money on car insurance in New Hampshire

If you’re looking to reduce your car expenses, looking for discounts on your insurance is a great place to start. Here are some easy ways to bring your premium down.

Shop around for quotes

Comparing multiple quotes is the best way to ensure you’re getting the best price for your insurance coverage. But between endless forms and pushy sales agents, it’s never a fun process.
With Jerry, all you have to do is download the app, sign up, and answer a few simple questions. Jerry will compile quotes from 50+ top insurance providers and handle your switchover from start to finish once you pick the one you like.
The average Jerry user saves $879 per year on their car insurance—just like that!

Look for discounts

Whether it’s for safety features or showing off your safe driving skills, almost all insurance companies offer discounts for their policyholders. Here are some popular ones for drivers in New Hampshire:
Discount typeWho is eligible?
Driver education discountsOlder New Hampshire drivers who refresh their driving knowledge can get a 5-10% discount on their premium. Ask your insurance company about approved courses. Usually, it’s as simple as taking an online course.
Paperless billing and automatic paymentsEnroll in paperless billing and you could qualify for a discount between 2 and 25%.
Bundling your policiesGet your car and home policies from the same company and you could enjoy a reduced premium.
Safe driver discountNew Hampshire drivers with a good record can usually get a “safe driver” discount. If you’ve never had a crash or a speeding ticket, ask about this discount. You may have to wait six months to prove that you’re a safe driver.
Telematics discountsIn exchange for installing a free telematics device in your vehicle, you could get a discount on your premium. The device passively tracks your driving behavior and allows the company to reward you for safe driving.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Increase your deductible

Under the right circumstances, increasing your deductible can help you save a good chunk on your insurance premium. That said, doing so is only a good idea if you can afford to pay the deductible in full each time you have to make a claim.

Registering your car in New Hampshire

To register a car in New Hampshire, bring the following to the DMV:
  • Valid driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
  • Emissions test certificate
  • Safety inspection certificate
In New Hampshire, you must renew your vehicle registration each year. You can complete the process online or in person at your local DMV office.

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free