Mt Washington Auto Road near the Summit, View from Outside of Car Window, White Mountains, New Hampshire

Cheapest Car Insurance New Hampshire

The Cheapest Car Insurance Rates In New Hampshire Are $60/mo For Full Coverage With USAA Or $18/mo For Liability Insurance With Auto-Owners Insurance.

Discover if you are overpaying for car insurance below.

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Updated: Jun 30, 2024

Written by: Daniel Robinson

Written by: Daniel Robinson Writer

Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar and obsesses over the Beatles and Baltimore Orioles.

Writer

Edited by: Rashawn Mitchner

Edited by: Rashawn Mitchner Managing Editor

RaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. She’s spent over a decade writing and editing articles about how to save money on things including travel, entertainment and household services.

Senior Editor

After Virginia’s new car insurance law goes into effect on July 1, 2024, New Hampshire will be the only state in the country that doesn’t require drivers to maintain an auto insurance policy. With premiums going up around the country, the idea of going without coverage to save money can be tempting. However, having even cheap car insurance can help you avoid a potentially-disastrous financial situation resulting from an accident or other loss.

Our team put together this guide to cheap car insurance in New Hampshire to help you find affordable coverage that can protect your finances. You’ll find cheap rate estimates for drivers in different categories, different cities and from different providers in The Granite State.

Cheapest Auto Insurance in New Hampshire

Car insurance rates in New Hampshire are much cheaper than the national average, so you have a great chance of finding an affordable price for your car insurance.

Below, we’ll look at some of the cheapest car insurance companies and car insurance coverages in the Granite State.

Cheapest Car Insurance Companies New Hampshire

Some of the cheapest insurance options in New Hampshire are Auto-Owners Insurance, USAA, State Farm, Geico and MMG Insurance. All of these companies offer competitive rates and superb service.

Cheap New Hampshire Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Learn More
Auto-Owners Learn More	8.8	8.5	9.7	Learn More
USAA Learn More	9.5	9.5	10.0	Learn More
State Farm Learn More	9.2	9.0	9.0	Learn More
Geico Learn More	9.2	8.5	9.4	Learn More
MMG Insurance	7.7	8.0	7.5

Cheap New Hampshire Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Learn More
Auto-Owners Learn More	8.8	8.5	9.7	Learn More
USAA Learn More	9.5	9.5	10.0	Learn More
State Farm Learn More	9.2	9.0	9.0	Learn More
Geico Learn More	9.2	8.5	9.4	Learn More
MMG Insurance	7.7	8.0	7.5

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in New Hampshire.

Cheapest Car Insurance Coverage in New Hampshire

The coverage level you choose will impact how much you pay for car insurance. Minimum liability is all that is required, however sometimes it is better to go with a full coverage plan.

Below we will compare both of the plans to help you choose the best coverage for your needs and budget.

Cheapest Full Coverage Car Insurance in New Hampshire

Rate estimates from the MarketWatch Guides Auto Team show that minimum coverage car insurance in New Hampshire can cost as little as $211 per year. Full coverage is also relatively affordable, with the lowest rates averaging $714 annually.

Below, you’ll find providers with the lowest average full coverage car insurance rates in the Granite State:

Cheapest Car Insurance in New Hampshire	Estimated Monthly Rate	Estimated Annual Rate
USAA	$60	$714
State Farm	$71	$851
Geico	$71	$855
MMG Insurance	$71	$856
Progressive	$74	$892
Safety Insurance	$89	$1,069
Auto-Owners Insurance	$90	$1,074
Metropolitan Group	$128	$1,541
Allstate	$133	$1,600
The Hanover Insurance Group	$336	$4,034

*These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.

Minimum Coverage Car Insurance Cost in New Hampshire

The cheapest car insurance in New Hampshire is typically minimum coverage, and it costs an average of $459 per year or $38 each month. That number is almost 28% cheaper than the national rate, showing that Granite State drivers often pay exceptional rates for coverage.

Listed below are the average rates for minimum coverage car insurance in New Hampshire:

Cheapest Car Insurance in New Hampshire	Estimated Monthly Rate	Estimated Annual Rate
Auto-Owners Insurance	$18	$211
MMG Insurance	$18	$216
USAA	$19	$231
State Farm	$25	$297
Safety Insurance	$28	$339
Geico	$32	$381
Progressive	$39	$470
Allstate	$45	$542
Metropolitan Group	$48	$576
The Hanover Insurance Group	$110	$1,324

Cheap Car Insurance New Hampshire

There are a lot of factors that go into calculating how much drivers will pay for car insurance. Age, driving history and credit score are some of those factors that will impact your rate.

Below we will compare car insurance rates for drivers in New Hampshire that fall under those categories.

Cheapest Car Insurance for Young Drivers in New Hampshire

Young drivers can pay significantly more for car insurance than older adults. The series of tables below show the cheapest car insurance for young drivers in New Hampshire, along with estimated monthly and annual costs.

Cheapest New Hampshire Car Insurance for 16-Year-Olds

The cheapest car insurance in New Hampshire for 16-year-olds still comes at a steep rate, but it shouldn’t have to cost almost $6,000 a year. Drivers who choose Auto-Owners Insurance pay an average price of $2,249 per year for full coverage.

Cheapest Car Insurance in New Hampshire	Estimated Monthly Rate	Estimated Annual Rate
Auto-Owners Insurance	$187	$2,249
MMG Insurance	$213	$2,559
State Farm	$259	$3,105
Geico	$311	$3,736
Allstate	$328	$3,932

Cheapest New Hampshire Car Insurance for 17-Year-Olds

It’s slightly easier to find affordable car coverage when you turn 17, but expect rates to remain on the higher side. The top option for 17-year-olds seeking cheap car insurance is MMG, which charges an average of $1,902 per year.

Cheapest Car Insurance in New Hampshire	Estimated Monthly Rate	Estimated Annual Rate
MMG Insurance	$159	$1,902
Auto-Owners Insurance	$175	$2,100
State Farm	$232	$2,780
Geico	$232	$2,787
USAA	$255	$3,060

Cheapest New Hampshire Car Insurance for 18-Year-Olds

Rates continue to decrease for 18-year-olds looking for the cheapest car insurance in New Hampshire. Look to MMG Insurance for cost-effective coverage, as the company charges an average of $1,691 per year for those who are 18.

Cheapest Car Insurance in New Hampshire	Estimated Monthly Rate	Estimated Annual Rate
MMG Insurance	$141	$1,691
Auto-Owners Insurance	$164	$1,973
Geico	$195	$2,336
State Farm	$200	$2,399
USAA	$217	$2,600

Cheapest New Hampshire Car Insurance for 21-Year-Olds

Drivers who are 21 pay an average of $1,195 per year for full coverage from USAA in the Granite State. This is an extremely competitive rate for motorists of this age group.

Cheapest Car Insurance in New Hampshire	Estimated Monthly Rate	Estimated Annual Rate
USAA	$100	$1,195
State Farm	$118	$1,415
Geico	$119	$1,429
MMG Insurance	$121	$1,451
Progressive	$136	$1,630

Cheapest New Hampshire Car Insurance for 25-Year-Olds

Drivers pay an average of $891 per year for the cheapest car insurance in New Hampshire for 25-year-olds. You’ll find this estimated car insurance premium from USAA, a highly rated provider in the Granite State.

Cheapest Car Insurance in New Hampshire	Estimated Monthly Rate	Estimated Annual Rate
USAA	$74	$891
State Farm	$82	$987
Progressive	$89	$1,063
Geico	$94	$1,125
MMG Insurance	$97	$1,165

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Cheapest New Hampshire Car Insurance for High-Risk Drivers

At-risk drivers who have had a speeding ticket, DUI or recent accident can pay substantially more for auto insurance. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.

Cheapest Car Insurance in New Hampshire After a Speeding Ticket

Having a recent speeding ticket on your driving record makes it more challenging to find competitive car insurance rates, but Auto-Owners Insurance only charges an average of $692 per year.

Cheapest Car Insurance in New Hampshire	Estimated Monthly Rate	Estimated Annual Rate
Auto-Owners Insurance	$58	$692
USAA	$62	$745
State Farm	$66	$792
Progressive	$83	$999
MMG Insurance	$87	$1,045

Cheapest Car Insurance in New Hampshire After an Accident

If you were involved in a recent accident, you could pay an average of $870 per year for full coverage from Auto-Owners. Car insurance companies tend to raise rates after an at-fault accident because your record no longer indicates that you’re an entirely safe driver.

Cheapest Car Insurance in New Hampshire	Estimated Monthly Rate	Estimated Annual Rate
Auto-Owners Insurance	$73	$871
USAA	$77	$920
State Farm	$83	$1,001
MMG Insurance	$101	$1,206
Progressive	$106	$1,277

Cheapest Car Insurance in New Hampshire After a DUI

Expect to see your auto insurance rates in the Granite State increase significantly if you have a recent DUI conviction. The cheapest car insurance in New Hampshire costs an average of $901 per year from Progressive after a DUI.

Cheapest Car Insurance in New Hampshire	Estimated Monthly Rate	Estimated Annual Rate
Progressive	$75	$901
USAA	$87	$1,046
Auto-Owners Insurance	$88	$1,055
MMG Insurance	$114	$1,365
State Farm	$116	$1,391

Best Cheap Car Insurance New Hampshire

For those who would like to know about the cheapest auto insurance in the Granite State, the sections below contain more detailed information:

#1 Auto-Owners Insurance: High-Quality Service

8.8/10

Overview

New Hampshire drivers choose Auto-Owners Insurance for its affordable rates, policy benefits and car insurance discounts. The company has excellent financial strength and a below-average number of customer complaints, according to data from the National Association of Insurance Commissioners (NAIC).

Keep reading: Auto-Owners Insurance review

Industry Standing

J.D. Power regional rating: Not rated
AM Best financial strength rating: A++
Better Business Bureau (BBB) rating: A+

#2 USAA: Low Rates for Military

9.2/10

Overview

USAA provides some of the cheapest car insurance in New Hampshire for military members, veterans and their family members. The company holds an exceptional customer satisfaction score in the New England region of the J.D. Power 2022 U.S. Auto Insurance Study℠. Those who qualify for USAA auto insurance find many coverage options and discount opportunities.

Keep reading: USAA insurance review

Industry Standing

J.D. Power regional rating: 884/1,000
AM Best financial strength rating: A++
BBB rating: A+

#3 State Farm: Most Popular Provider

9.4/10

Overview

As the nation’s largest auto insurer, State Farm is a solid choice for car insurance in New Hampshire. The company provides a range of car insurance products, including rental car and travel reimbursement coverage. Young motorists under 25 can join State Farm’s Steer Clear^® program to receive a discount on their insurance premiums.

Keep reading: State Farm insurance review

Industry Standing

J.D. Power regional rating: 838/1,000
AM Best financial strength rating: A++
BBB rating: A+

#4 Geico: Editor’s Choice

9.1/10

Overview

Keep reading: USAA insurance review

Industry Standing

J.D. Power regional rating: 827/1,000
AM Best financial strength rating: A++
BBB rating: A+

#5 MMG Insurance: Strong Local Coverage

9/10

Overview

MMG Insurance offers standout insurance coverage for drivers in New Hampshire. The Maine-based insurer is backed by excellent financial strength and customer service ratings. Drivers can take advantage of the company’s many auto insurance offerings, including several add-ons.

Industry Standing

J.D. Power regional rating: Not rated
AM Best financial strength: A
BBB rating: A+

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Average Car Insurance Cost New Hampshire

The average cost of full coverage car insurance in New Hampshire is $1,349 per year, which comes out to $112 per month. That’s 22% less than the national average rate of $1,730 annually or $144 each month.

Cost of New Hampshire Car Insurance by City

The cheapest car insurance in New Hampshire can usually be discovered in the rural areas of the state. Those in larger cities such as Manchester and Nashua pay higher premiums, as do those who live close to the Massachusetts border.

City in New Hampshire	Estimated Monthly Rate	Estimated Annual Rate
Hanover	$92	$1,105
Lebanon	$93	$1,116
Plymouth	$94	$1,123
Franklin	$94	$1,129
Keene	$95	$1,145
Newport	$96	$1,148
Conway	$96	$1,154
Claremont	$96	$1,154
Newmarket	$96	$1,155
Somersworth	$97	$1,158
Dover	$97	$1,161
Concord	$97	$1,169
Laconia	$97	$1,169
Portsmouth	$98	$1,170
Rochester	$98	$1,176
Hampton	$99	$1,183
Littleton	$99	$1,183
Farmington	$100	$1,200
Durham	$100	$1,200
Milford	$101	$1,206
Berlin	$103	$1,241
Nashua	$105	$1,265
South Hooksett	$106	$1,272
Derry	$108	$1,294
Manchester	$112	$1,341

*Average rates above apply to the top three companies in each city.

New Hampshire Car Insurance Cost by Age

You’ll pay significantly higher rates as a young driver than as an older motorist in the Granite State. While those who are 30 typically pay an average of $1,444 per year for full coverage, 16-year-olds get charged an average of $5,879 annually for the same coverage.

Age of Driver	Estimated Monthly Rate	Estimated Annual Rate
16	$490	$5,879
17	$400	$4,803
18	$338	$4,052
19	$255	$3,055
21	$196	$2,349
25	$140	$1,677
30	$120	$1,444
35	$117	$1,398
40	$115	$1,374
45	$114	$1,366
50	$109	$1,305
55	$107	$1,279
65	$111	$1,327
75	$134	$1,608

New Hampshire Car Insurance Cost Factors

Car insurance companies consider multiple factors when determining rates for the cheapest car insurance in New Hampshire:

Significant factors that influence car insurance costs in the Granite State include the following:

Location: Those in more populous cities such as Manchester and Nashua are more likely to get charged steeper rates.
Age: Young drivers and teen drivers often pay more for equivalent coverage, as they are statistically more likely to get into accidents.
Driving record: You may have a harder time finding the cheapest car insurance in New Hampshire if you have a speeding ticket, at-fault accident or DUI violations on your record.
Credit history: Those with poor credit scores consistently get charged more for auto insurance in the Granite State.
Gender: Young men usually receive higher rates than young women for car coverage, as they’re more likely to get into accidents.
Marital status: Single motorists typically get charged more than married drivers for the same car insurance policies.
Vehicle: Your car’s make, model, age and mileage play a sizable role in determining how much you’ll pay.
Deductible: While higher deductibles lead to lower rates, they also mean you’ll pay more out of pocket after an accident.

New Hampshire Car Insurance Requirements

Car insurance isn’t required for motorists in New Hampshire. However, drivers who choose to purchase coverage must meet or exceed state minimum coverage limits:

Bodily injury liability insurance: $25,000 per person and $50,000 per accident
Property damage liability insurance: $25,000 per accident
Underinsured motorist/uninsured motorist coverage: $25,000 per person and $50,000 per accident
Medical payments coverage (MedPay): $1,000 per accident

It’s highly recommended that Granite State drivers buy car insurance. Even the cheapest car insurance in New Hampshire provides considerably more protection than what’s available to those who have no coverage.

Additional Car Coverage Types

It’s smart for drivers to buy multiple types of New Hampshire auto insurance, as it’ll protect you and your vehicle from unexpected damages. Below, you’ll find two types of auto insurance coverage that could be worth consideration:

Collision insurance: Liability coverage won’t protect your vehicle when you’re at fault for an accident, but collision insurance will.
Comprehensive insurance: Comprehensive coverage protects your car from damages caused by theft, vandalism and environmental effects such as fires, floods and hail.

While you may not receive the cheapest car insurance in New Hampshire if you get collision and comprehensive coverage, you’ll receive excellent protection for your vehicle.

An easy way to lower the price of auto insurance in the Granite State is to bundle car coverage with your homeowners or renters insurance policies. That way, you may get discounts on multiple types of insurance.

Is it Illegal to Not Have Car Insurance in New Hampshire?

New Hampshire drivers are not legally required to carry auto insurance. However, state insurance laws require you to prove that you have sufficient funds on hand to meet New Hampshire’s motor vehicle financial responsibility requirement.

Why Is Car Insurance in New Hampshire Getting More Expensive?

New Hampshire ranks among the cheapest states in the country for car insurance. But like in most states, premiums have been on their way up in The Granite State recently. In addition to national trends, New Hampshire has a few local factors that have pushed rates upward in the state. Some of the factors contributing to rising premiums in New Hampshire include:

Increasing fatal accident rates: According to Fatal Accident Reporting System (FARS) data from the National Highway Traffic and Safety Administration (NHTSA), New Hampshire saw an 8.2% increase in its fatal accident rate. More severe accidents means a higher risk of payouts for insurers, which translates to increases to premiums.
Rising used car prices: When drivers with full coverage suffer a total loss, insurers pay out claims based on the fair market value of the vehicle that was totaled. According to data from the U.S. Bureau of Labor Statistics, the U.S. has seen a 31.0% increase in the consumer price index (CPI) of used cars and trucks since 2020. This means insurers are paying out more per total loss claim, increasing their financial risk.
Climbing car thefts: Stolen cars can translate to damage and total loss claims for a policyholder, making theft a payout risk as a variable. From 2017 to 2022, New Hampshire saw a 2.1% increase in the rate of car thefts, according to FBI data. Even this moderate increase has resulted in a higher risk of claims payouts for insurance companies and thus, higher premiums.

How to Get Cheap Car Insurance in New Hampshire

While some of the factors that contribute to your insurance premiums are out of your control, there are a few levers you can pull to try to get lower rates. These include:

Shop around: Car insurance policies cost, at a minimum, hundreds of dollars per year, making them a major purchase for many people. Like most major purchases, it pays to shop around to see what kinds of rates you can get from different providers. The difference between the cheapest provider for your specific situation and a more expensive one could be hundreds of dollars per year. Take the time to get estimates from at least three providers and compare quotes to see which company offers you the best deal. Tools like the one at the bottom of this page can help you get multiple quotes even more quickly.
Raise your deductible: Generally speaking, the lower your deductible is, the higher your premium will be. While a low premium ensures you won’t have much to pay out of pocket towards a covered loss, raising it can save you money on your auto insurance bill. If you can afford to cover a higher deductible should you need to, increasing the deductible on your policy to that amount can lower the cost of your policy.
Look for discounts: Most auto insurers offer at least a handful of discounts that can yield siginificant savings on your policy. You may find discounts for things ranging from military status to keeping up good grades in school. Before you sign up for a policy, check to see which discounts you may be able to apply to get a lower premium.
Drop unnecessary coverage: Add-ons like roadside assistance and trip interruption can come in handy when you need them, but they also add cost to your policy. If you’re trying to find ways to save, consider whether or not you can live without some of these optional coverages and drop the ones that you can part with.
Improve your credit score: New Hampshire is one of the many states that allows insurance providers to use your credit score as a factor in your rates. Drivers with lower credit scores often pay substantially more for coverage than drivers with higher scores. While improving your score takes time and discipline, doing so could net you significant savings on your auto policy in the future.
Take a driving course: Many insurers offer a discount for drivers who complete an approved safe driving course. This often extends to all drivers, and not just those with blemishes on their records. It is never a bad time to brush up on your defensive driving skills, especially when doing so provides an opportunity to save money.

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New Hampshire Car Insurance: The Bottom Line

Auto-Owners, USAA, State Farm, Geico and MMG Insurance are all great choices for the cheapest car insurance in New Hampshire. However, the easiest way to find a policy that suits your needs is to compare car insurance quotes from providers in the state.

It’s nearly always a good choice to get car insurance in New Hampshire. While state law doesn’t require coverage, it’s almost never a good idea to take your chances by driving uninsured.

Cheapest Car Insurance in New Hampshire: FAQ

Below are some common frequently asked questions about cheap car insurance in New Hampshire:

Frequently Asked Questions

New Hampshire’s average cost of full coverage car insurance is $1,349 per year, or $112 per month. The average cost of minimum coverage in New Hampshire is $459 per year or $38 per month.

Virginia and New Hampshire are the only states that don’t legally require drivers to have car insurance. While these states don’t require auto insurance, policies are still highly recommended for all drivers.

New Hampshire follows an at-fault system for car insurance. This means that the person who was at fault for an accident is responsible for any resulting damages.

New Hampshire drivers pay an average of $1,349 per year for full coverage car insurance, which is about 22% less than the national average of $1,730 per year.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials: