Cheapest car insurance in New Hampshire

New Hampshire has some of the most beautiful views in the country, including the Atlantic Ocean and Lake Winnipesaukee. It is easy to see why the 1.2 Million licensed drivers love to drive the Granite State’s 16,000-mile roads.

New Hampshire drivers might want to make sure they have an auto policy before they hit the roads. Even though car insurance isn’t technically required in New Hampshire it can still be a wise purchase. Car insurance protects you financially if you cause an injury or accident. The average cost for car insurance is $389 per year for minimum coverage and $1,275 per year for full coverage. While rates in New Hampshire are less than the national average for car insurance, it is possible to find cheap New Hampshire car insurance. Bankrate may be able to assist with your search.

New Hampshire has the cheapest car insurance

New Hampshire is the sole state in the country without requiring car insurance. Most residents will still purchase a policy to meet the state’s financial responsibility laws.

Bankrate’s editorial team can help you find the cheapest car insurance in New Hampshire. Quadrant Information Services has provided us with average premium information for the biggest car insurance companies based on market share. These companies may be a good starting point if you’re looking for the best car insurance in New Hampshire.


USAA offers a variety of insurance products for military personnel, veterans, and their families. You may be eligible for coverage if you have the right to lower average premiums than New Hampshire. USAA offers a variety of discounts to drivers including student discounts, safe driving, driver training, and loyalty. The company is not eligible to be ranked by J.D. Due to eligibility restrictions, USAA was not eligible for J.D.


J.D. ranked Amica as the New England official with the highest score. Power. Amica is a great choice if you’re looking for affordable coverage and excellent customer service but are not eligible for USAA. There are many coverage options available, including rental reimbursement, roadside assistance, accident forgiveness, loan/lease payment coverage, and loan/lease repayment coverage. The company offers a variety of discounts such as the homeownership discount or accident-free discount. Amica offers unique dividend policies that may pay you back part of your premium each year.

State Farm

State Farm is the most well-known name on this list. It is the largest auto insurance company in the United States, accounting for more than 16% market share. State Farm may be the right choice for you if you’re looking for personalized service. State Farm has agents in New Hampshire that may be able help you. State Farm offers two safety driving programs: Drive Safe and Save for adults and Steer Clear to drivers under 25. These programs can help you save money and improve your driving habits.


Geico’s premiums may not be the most affordable on our list but they offer one of the longest listss of discounts in the business. Some vehicle safety features, federal employees, wearing your seatbelt, or membership of an affiliated group may help you save. Geico may be a good option if you’re looking for strong digital tools. Geico’s mobile application has been highly rated by both Google Play and the App Store. It allows you to manage your policy right from your smartphone.


Although Allstate’s average premiums are higher than the state average, it may still be an option if you’re looking for a flexible policy. Allstate offers a variety of coverages, including sound system equipment protection, ridesharing coverage and rental reimbursement. With discounts offered by the company, such as the Drivewise Telematics Program, you may be able lower your premium. Other discounts include vehicle safety features and new car paid in full.

New Hampshire drivers must have minimum coverage

New Hampshire technically doesn’t require drivers to have auto insurance. You must show financial proof to be able pay for any damages that could result from an at-fault collision. The easiest way to comply with New Hampshire laws is probably through car insurance. The lowest limits that you can purchase if you choose to buy car insurance are:

  • $25,000 per person for bodily injury
  • $50k bodily injury per accident
  • $25,000 for property damage

While it might be tempting to skip coverage in order to save money, insurance professionals recommend that you buy a policy unless your finances are sufficient to cover any damage you may cause. At-fault accidents can be costly and can lead to financial stress. Agents recommend that you purchase coverage beyond the state’s minimum limits, even if you have insurance.

Full coverage insurance provides additional protection by covering the damage to your vehicle. You will most likely need to buy full coverage if you have a loan, lease or other financial obligation. Financial institutions might impose minimum liability limits, or other restrictions such as a maximum deductible.

How to Get Cheap Car Insurance in New Hampshire

It is easy to find a New Hampshire car insurance policy that is affordable. There may be savings opportunities. New Hampshire’s average car insurance premiums are lower than the national average.

You might start by getting quotes from multiple carriers. It can be useful to compare the prices, coverage options and discounts as well as policy features and third party rankings. J.D. Power and AM Best might help you to find a company with high customer service ratings and financial stability.

You can also save by taking advantage of any discounts that you are eligible for. You may have to request discounts to be added to your policy. Each company has its own discount program. These discounts can be found online but agents or representatives are available to help you determine which savings you may qualify.

A better credit score can also be a way to get the best car insurance in New Hampshire. Rates will generally be lower if you have a higher credit score. Two of the best ways to lower your credit score are to pay your bills on time, and keep your credit utilization low.

If you have full coverage, consider raising your deductibles. On a full coverage policy you have two deductibles, one for comprehensive and the other for collision. Your premium will be affected by your collision deductible. A higher collision deductible will mean you pay more to file a claim for damage to your car. This generally results in lower rates. You can increase your deductible but you should make sure that you have enough money to pay the costs of filing a claim.

Questions frequently asked

Which New Hampshire car insurance policy is best?

Every driver is different and will have their own needs. This means that the best New Hampshire car insurance company will be different. The best rate is important to some people. For others, customer service is the most important aspect of a company. It might be helpful to define what you want from an insurance company in order to find the right company for you.

What is the average cost for car insurance in the United States?

The average cost for car insurance in America is $565 for minimum coverage and $1674 for complete coverage. New Hampshire drivers pay an average of $389 per year for minimum coverage and $1275 per year for full coverage. This is far lower than the national average rates.

Is New Hampshire required to show proof of insurance?

There are many instances in which you will need to show proof of insurance in New Hampshire. This is despite the fact that there are no auto insurance requirements. If you are convicted of DWI, have been involved in an accident, or have committed more than one offense, an SR-22 proof of insurance form may be required.