Best car insurance in New Hampshire

The average annual cost of car insurance in New Hampshire is lower than the national average of $565 per year for basic insurance and $1,674 for full coverage. While auto insurance rates in New Hampshire are less than the national average, it’s worth looking for the cheapest car insurance. Cost of coverage will depend on several factors. For your convenience, Bankrate performed a detailed analysis of how state premiums change based on the insurance provider and discounts offered.

New Hampshire’s best car insurance companies

When searching for the best car insurance companies in New Hampshire, we examined a variety of factors such as cost, service, additional benefits and reputation. J.D. Power’s customer satisfaction survey is a weighty one, as the respondents were policy owners at the companies they studied.


USAA is consistently ranked highly for customer satisfaction as well as pricing. USAA has the lowest full-car insurance rates among all the top car insurance companies. Its limited market is the only problem. Only military personnel, veterans, and their immediate family members can apply for membership and coverage.

Amica Mutual

J.D.’s highest satisfaction rating goes to Amica Power. It has an easy-to use system for billing and filing claims. AM Best also gave it an A+ rating for financial strength.


Geico is among the cheapest car insurance companies in New Hampshire. J.D. rates it above average in overall satisfaction. AM Best rates it with an A++ rating for financial strength and power, which indicates that customers are satisfied and the company is able to pay claims.

State Farm

J.D. also gives State Farm higher than average scores. Power. You can get discounts up to 30% for being a safe driver. State Farm was awarded an AM Best Rating A++ for financial strength. This rating is the highest an insurance provider can receive.

New Hampshire’s average car insurance price

New Hampshire is considered an at-fault country, which means that the person responsible for causing an accident is financially responsible. The state doesn’t require you to have insurance, as long as your finances are sufficient to cover the damages if you are involved in an accident. These factors are a couple of reasons why you will find that the average cost of car insurance in New Hampshire is considerably lower than the national average of $1,674 per year for full coverage and $565 per year for minimum coverage.

New Hampshire’s minimum insurance requirements

New Hampshire is one of the only states that does not require you to have minimum insurance coverage. You must be able show that you can afford to pay for an accident if you decide not to buy a policy.

New Hampshire has minimum financial amounts set for accidents:

  • Bodily injury liability coverage up to $50,000 per accident for $25,000 per person This coverage covers medical expenses for any other person involved in an accident.
  • This covers property damage to other people’s property and requires property damage liability at minimum $25,000 per accident
  • For medical bills, $1,000 per accident will cover.
  • Uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident in case the at-fault driver is not sufficiently covered.

These are the minimum requirements, but it is still a good idea for bodily injury liability to have additional protection. Bodily injury does not just include medical bills, but can also lead to chronic conditions that last years.

How to get the best car coverage

New Hampshire has many insurance providers to choose from. However, the cheapest providers will ultimately depend on several personal rate factors like where you live, the kind of car you have, your driver record, and credit score.

These are the top car insurance companies.

  • Evaluate your needs: The amount of coverage you need is different for every driver. Rates can be affected by factors such as age. Teen drivers and college students often pay more than more experienced drivers. While some companies offer coverage for high-risk drivers who have multiple tickets or are involved in accidents, others specialize in safe drivers.
  • Consider state factors: New Hampshire has unique requirements. Car insurance is not mandatory but recommended for liability, medical payments and uninsured/underinsured motorist insurance. The state will require you to prove that you can afford to pay damages if you decide to opt out.
  • Compare quotes: Be sure to find and compare quotes from top auto insurance providers to help you find the best rate. The price of the same coverage will vary depending on which provider you choose, as shown in the above comparison.

New Hampshire car insurance discounts

Many of the cheapest car insurance companies in New Hampshire also offer discounts to help you save on your New Hampshire car insurance policy.

There are different types of car insurance discounts depending on your situation:

  • Discount for driving record. You might be able to save money on your car insurance premium if you have a clean driving record. Insurance companies are looking for drivers who have not been in an accident or moved violation for at least five years.
  • Bundle discount. Bundling discounts are offered by some companies to reward loyalty if you bundle multiple policies. This discount can be applied to all types of insurance including homeowners, renters and business insurance.
  • Good student discount. If you have good grades at school, you might be eligible for a discount.
  • Individual discounts. Members of certain organizations and military members may also be eligible for discounts.
  • Credit score. Insurance companies will offer lower premiums to those with excellent credit ratings.

New Hampshire, which is located on the Eastern seaboard in the northern part of the country, can be subject to severe winters and flooding. New England residents need to be aware that weather-related claims can result in more insurance claims than states that have milder climates. These discounts allow you to get the additional coverage that will protect your vehicle and keep your family protected even when Mother Nature is at her worst.

Whether you are switching carriers or finding new coverage, compare multiple providers of the best auto insurance New Hampshire to see which one offers you the best deal. Compare their reputations to find the best provider with the lowest premiums.

Questions frequently asked

What information is required to get New Hampshire car insurance?

Your name, address, Social Security number, driver’s license number, expiration date, and driver’s license number will be required. Your vehicle’s year, make, and model, as well as the purpose of use (personal, business, or rideshare), and an estimate of your annual driving mileage are all required by the provider.

What is the fastest way to get car insurance?

You could get auto insurance the next day if the provider is able to verify your information and approve for coverage.

Is New Hampshire a state of no-fault?

It isn’t. You can file a claim with either your insurance company (a first party claim) or the insurance company of the at-fault driver (a third-party case). You must prove the fault of the at-fault driver to be able to file a claim with the other insurance company. This proof can be provided by your insurance company and the police report. However, it may take some time. To get damages, you might have to sue the driver.

The state will assign a percentage to each driver who is partially responsible if more than one driver is at fault. As long as you are not at 50% or more at fault, you will be able to get compensation for the accident.