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The Cheapest Car Insurance for New Hampshire Drivers
The Cheapest Car Insurance for New Hampshire Drivers
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in New Hampshire.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
What's on this page?
- How to find the cheapest car insurance quotes in New Hampshire
- Cheapest car insurance companies in New Hampshire
- New Hampshire Car Insurance Coverage Requirements
- New Hampshire Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in New Hampshire?
- Car Insurance for New Hampshire Drivers With a Low Credit Score
- How to lower car insurance costs in New Hampshire
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
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. | Date | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
January 21, 2025 | Nationwide | $117 | Mason, 41 | Nissan Rogue Sport S | • 100,000/300,000 Liability • Comp / Collision |
January 18, 2025 | Bristol West | $138 | Helena, 40 | Hyundai Tucson SEL Convenien | • State Minimum Liability • Comp / Collision |
January 17, 2025 | Safeco | $92 | Josie, 41 | Hyundai Tucson SEL Convenience | • 50,000/100,000 Liability • Comp / Collision |
January 16, 2025 | Travelers | $185 | Margaret, 26 | Ford F-150 Supercrew | • 50,000/100,000 Liability • Comp / Collision |
January 11, 2025 | Allstate | $75 | Bertha, 49 | Toyota Tacoma Double Cab | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheapest 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 company | Date | City | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|---|
| AAA | January 29, 2025 | Concord, NH | 5 | "They have been great, I have to have an sr 22 bond, I wasn’t sure if I was on it or not. I had to call them, I found ...(read more)" -Dylan |
| Anchor General | January 26, 2025 | Conroe, TX | 5 | "Great carrier!!" -Walter |
| AAA | January 23, 2025 | San Bernardino, CA | 4 | "I paid for a unlimited towing and they just give me $50 to use 3 times a year so is not unlimited and it don’t matter...(read more)" -Steven |
| Anchor General | January 22, 2025 | Concord, NH | 5 | "So far I have had no complaints they have been reasonably priced and easy to work with so I don't have any complaints" -Lydia |
| Progressive | January 19, 2025 | Hudson, NH | 5 | "good" -Frances |
Last Updated Jan 29, 2025
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.
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.
Catherine (65 years old)
$79
per month
Travelers
Adele (24 years old)
$126
per month
Bristol West
Helena (40 years old)
$138
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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
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 Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $79 | Todd, 65 Hampstead, NH | Ford F350 Super Duty |
• State Minimum Liability • Comp / Collision | Travelers | $126 | Adele, 24 Tilton, NH | Mitsubishi Outlander Sport ES |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $96 | Alexander, 41 Conway, NH | Chevrolet Traverse LS |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $75 | Ella, 49 | Toyota Tacoma Double Cab |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $99 | Theresa, 39 | Mazda CX-5 Grand Touring |
Last Updated Jan 28, 2025Average rates for state minimum liability coverage and full coverage
Car insurance in New Hampshire costs an annual average of $2,077 for full coverage and $1,718 for minimum coverage. That equals about $2,077 per month for a full coverage policy, or $143 a month for basic liability.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $96 | $1,154 |
Full coverage | $109 | $1,305 |
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:
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.
How Do Different Factors Impact Your Car Insurance Costs in New Hampshire?
How Do Different Factors Impact Your Car Insurance Costs in New Hampshire?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): New Hampshire currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about 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.
Here's a look at car insurance rates for New Hampshire drivers after receiving speeding tickets:
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $184 | Duane, 44 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 6-10 | Progressive | $76 | Leona, 48 Littleton, NH | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 25, 2025Over 4,000,000 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:
Friendly service
Akhil
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.
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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.
Johnny (57 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Sanbornton, NH
Honda CR-V EXL$101
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.
Here are a few examples of car insurance rates for New Hampshire drivers following car accidents:
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With No Injury | Progressive | $128 | Lawrence, 31 | • 50,000/100,000 Liability |
Not At Fault | Nationwide | $117 | Leroy, 36 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $108 | Francis, 23 Greenland, NH | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 25, 2025FAQ
Is New Hampshire an at-fault state?
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.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $112 | Jay, 50 Franklin, NH | Hyundai Tucson SE | • 100,000/300,000 Liability • Comp / Collision |
Defective Equipment | Travelers | $194 | Jordan, 28 | Honda Accord EX | • 100,000/300,000 Liability • Comp / Collision |
Driving on Sus. License | Safeco | $110 | Clarence, 34 | Mini Cooper Countryman | • 100,000/300,000 Liability |
DUI | Progressive | $101 | Bernice, 56 Sanbornton, NH | Honda CR-V EXL | • 100,000/300,000 Liability |
Failure to Stop | Nationwide | $156 | Glen, 44 | BMW 320 i xDrive | • 50,000/100,000 Liability • Comp / Collision |
Improper Passing | Progressive | $231 | Dollie, 25 | Chevrolet Cruze LT | • State Minimum Liability • Comp / Collision |
Speeding Violation-Major | Travelers | $185 | Georgia, 25 | Ford F150 Supercrew | • 50,000/100,000 Liability • Comp / Collision |
Speeding Violation-Minor | Allstate | $295 | Seth, 22 Stratham, NH | Volvo S60 T5 | • 100,000/300,000 Liability • Comp / Collision |
Suspension | Safeco | $110 | Maggie, 34 | Mini Cooper Countryman | • 100,000/300,000 Liability |
Failure to show documents | Nationwide | $96 | Mittie, 52 Exeter, NH | Hyundai Elantra SE | • State Minimum Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheapest 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.
Betty (61 years old)
$67
per month
Dustin (33 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$145
per month
Alta (33 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$145
per month
Travelers
Isaac (23 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Greenland, NH$108
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). See the table below for a closer look at car insurance rates for New Hampshire drivers with different credit scores.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $63 | Miguel, 23 Newmarket, NH | Nissan Rogue S | • State Minimum Liability • Comp / Collision |
660 - 750 | Safeco | $86 | Earl, 23 | Nissan Altima 2.5 | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Travelers | $88 | Todd, 58 Goffstown, NH | Ford Ecosport SES | • 50,000/100,000 Liability • Comp / Collision |
< 550 | Nationwide | $117 | Robert, 40 | Nissan Rogue Sport S | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheapest 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
. Dustin (24 years old)
$86
per month
Essie (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$124
per month
Travelers
Dennis (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Greenland, NH$108
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. Catherine (65 years old)
$79
per month
Travelers
Matilda (75 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$135
per month
Safeco
Jessie (67 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Hampton, NH$82
per month
Bristol West
Catherine (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Plymouth, NH$126
per month
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Cheapest car insurance for popular cars
As we’ve mentioned, your choice of vehicle will deeply impact your car insurance rates, with luxury and sports cars costing far more than affordable economy vehicles.
Popular makes and models for New Hampshire drivers looking to save on insurance include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 LE | Progressive | $69 | Lola, 25 Exeter, NH | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Car insurance cost for new vs. old car
Your vehicle’s make and model isn’t the only thing that matters—it’s age does, too. The cost of insuring a newer car is generally more expensive than that of an older car.
According to data, the average annual cost of full coverage insurance for a car that is 10+ years old in New Hampshire is an estimated 22% less than the cost of insuring a vehicle that is 4 years old or newer.
Etta (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$138
per month
Catherine (45 years old)
$71
per month
Bristol West
Clifford (38 years old)
$153
per month
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
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Concord, NH | Delia, 70 | Progressive | $76 | Nissan Rogue S | • 50,000/100,000 Liability • Comp / Collision |
| Concord, NH | Lelia, 49 | Allstate | $75 | Toyota Tacoma Double Cab | • 50,000/100,000 Liability • Comp / Collision |
| Nashua, NH | Hannah, 39 | Safeco | $99 | Mazda CX-5 Grand Touring | • 100,000/300,000 Liability • Comp / Collision |
| Manchester, NH | Genevieve, 43 | Travelers | $73 | Honda FIT Sport | • 100,000/300,000 Liability • Comp / Collision |
| Concord, NH | Sue, 41 | Nationwide | $117 | Nissan Rogue Sport S | • 100,000/300,000 Liability • Comp / Collision |
| Manchester, NH | Helena, 40 | Bristol West | $138 | Hyundai Tucson SEL Convenien | • State Minimum Liability • Comp / Collision |
| Dover, NH | Melvin, 40 | Metlife | $108 | KIA Niro FE | • 100,000/300,000 Liability • Comp / Collision |
| Derry, NH | Chase, 34 | Embark General | $249 | Volkswagen Passat R-Line | • 20,000/40,000 Liability • Comp / Collision |
Last Updated Jan 24, 2025How 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:
- Comparison shop! Gather quotes from multiple insurance providers to find the best car insurance for you.
- Bundle your auto coverage with homeowners insurance, renters insurance, or other types of coverage to access a discount.
- Explore other potentialcar insurance discountsfor 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.
- Opt for a higher deductible for comprehensive and collision coverage to lower your annual costs.
- Try to increase your credit score, as it can have a positive impact on your insurance premiums.
- Take an approved defensive driving course, which can lead to lower insurance rates.
- 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
Do you need car insurance in New Hampshire?
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.
How much is car insurance in New Hampshire?
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.
Does New Hampshire require liability insurance?
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.
Do I need proof of insurance to register a car in New Hampshire?
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.
Does insurance follow the car or the driver 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.
What increases car insurance rates in New Hampshire?
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
What are the best car insurance companies in New Hampshire?
Some of the most popular car insurance companies in New Hampshire include:
- The General
- National General
- Farmers
- State Farm
- Nationwide
Do you need personal injury protection (PIP) in New Hampshire?
No, personal injury protection (PIP) coverage is not required in New Hampshire.
What is full coverage car insurance 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.
Is car insurance more expensive in New Hampshire?
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.
Who has the best cheap car insurance in New Hampshire?
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!
Can your car get towed for no insurance in New Hampshire?
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.
Can you have out of state car insurance in New Hampshire?
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.
Can you have both PIP and MedPay in New Hampshire?
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
R.E. Fulton
Expert Insurance Writer and Editor
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.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
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 Jerry’s rapid growth.
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. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like 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.