Cheapest Car Insurance Quotes in New Hampshire (2025)
Hanover has the best cheap car insurance in New Hampshire, at $57 for full coverage.
Find Cheap Auto Insurance Quotes in New Hampshire
Best cheap auto insurance in NH
How we chose the top companies
Best and cheapest car insurance in New Hampshire
- Cheapest full coverage: Hanover, $57/mo
- Cheapest minimum liability: Hanover, $16/mo
- Cheapest for young drivers: Hanover, $35/mo
- Cheapest after a ticket: Hanover, $72/mo
- Cheapest after an accident: Hanover, $86/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Hanover, $44/mo
- Cheapest after a DUI: Hanover, $83/mo
- Cheapest for poor credit: Concord, $161/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm and Concord offer the best combination of affordable rates and dependable customer service in New Hampshire. Hanover offers the cheapest rates for most people, but its customer service reviews aren't very good. That means Hanover may take longer to get your life back to normal after a crash.
State Farm is the best choice in New Hampshire for drivers looking to quickly compare quotes and buy a policy. That's because State Farm offers quotes online. You'll have to call an agent to get a quote from Hanover or Concord.
Cheapest car insurance in NH: Hanover
Hanover has the cheapest full coverage car insurance in New Hampshire.
At $57 per month, a policy from Hanover is $50 cheaper than the statewide average. However, Hanover doesn't offer online quotes. So you'll have to speak with an agent to compare rates.
State Farm has the cheapest online quotes in New Hampshire, at $97 per month for a full coverage policy.
Find Cheap Auto Insurance Quotes in New Hampshire
Full coverage car insurance in New Hampshire costs an average of $107 per month. That's $68 per month cheaper than the U.S. average.
Cheapest full coverage car insurance in New Hampshire
Company | Monthly rate | |
|---|---|---|
| Hanover | $57 |
| State Farm | $97 |
| Concord | $110 |
| Geico | $110 |
| Progressive | $110 |
*USAA is only available to current and former military members and their families.
Both Concord and State Farm are good companies if you want to bundle car and home insurance in New Hampshire.
Cheapest liability-only NH auto insurance: Hanover
Hanover has the cheapest minimum liability car insurance in New Hampshire.
A liability-only policy from Hanover costs just $16 per month, which is much cheaper than any other company in New Hampshire. The second-cheapest company, State Farm, charges more than double for the same coverage, at $40 per month.
Cheap minimum liability car insurance quotes in NH
Company | Monthly rate |
|---|---|
| Hanover | $16 |
| State Farm | $40 |
| Progressive | $50 |
| Geico | $52 |
| Concord | $53 |
*USAA is only available to current and former military members and their families.
Veterans and military families can also find affordable car insurance at USAA. Minimum liability coverage from USAA costs $24 per month. USAA also has an excellent customer service reputation, but it's only available to military members, veterans and some of their family members.
Find Cheap Auto Insurance Quotes in New Hampshire
Cheapest NH car insurance for teens: Hanover
Hanover has the cheapest quotes for young drivers in New Hampshire.
The average cost of a liability-only policy from Hanover is $35 per month, which is one-quarter of the state average. Hanover also has the best full coverage quotes for teen drivers, at just $98 per month. That's less than one-third of the New Hampshire average.
Best New Hampshire auto insurance for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Hanover | $35 | $98 |
| Concord | $113 | $215 |
| State Farm | $137 | $314 |
| Geico | $138 | $303 |
| Progressive | $206 | $595 |
*USAA is only available to current and former military members and their families.
In New Hampshire, young drivers pay nearly three times more for car insurance than older drivers. That's because they tend to get in more accidents. This makes them more expensive to insure because companies may have to pay out more money from claims.
The best way for New Hampshire teens to lower their car insurance rates is by sharing a policy with their parents or an older relative. A shared policy is usually much cheaper than two separate policies, and you can qualify for a multi-car discount.
Young drivers should also try to qualify for as many discounts as possible. For example, many companies offer a discount for getting good grades in school or taking a defensive driving course.
Cheapest car insurance for NH drivers with a speeding ticket: Hanover
Hanover has the best cheap auto insurance for New Hampshire drivers with a single speeding ticket. At $72 per month, full coverage from Hanover costs $58 per month less than the state average.
Affordable car insurance in NH after a ticket
Company | Monthly rate |
|---|---|
| Hanover | $72 |
| State Farm | $97 |
| Geico | $138 |
| Concord | $148 |
| Progressive | $150 |
*USAA is only available to current and former military members and their families.
New Hampshire drivers pay 21% more for car insurance after a single speeding ticket. That's an average increase of $23 per month for a full coverage policy.
Cheapest quotes for NH drivers after an accident: Hanover
Hanover offers the cheapest quotes for New Hampshire drivers with an at-fault accident in their driving history. A full coverage policy from Hanover costs $86 per month, which is $75 per month less than the New Hampshire average.
Cheap New Hampshire auto insurance quotes after a crash
Company | Monthly rate |
|---|---|
| Hanover | $86 |
| State Farm | $109 |
| Concord | $161 |
| Progressive | $181 |
| Geico | $206 |
*USAA is only available to current and former military members and their families.
An at-fault accident in New Hampshire increases auto insurance quotes by an average of 50%.
Don't rush to switch car insurance companies right after your accident. Your rates won't go up until your current policy needs to be renewed. But any quotes you get will factor in your accident, so they'll usually be more expensive than what you're currently paying.
Instead, wait for your insurance company to send your renewal offer, which usually comes a few weeks to a month before your policy expires. Then, you should shop around for multiple quotes to find the best price for you.
Cheapest NH insurance for teens with a ticket or accident: Hanover
Hanover is the cheapest company for young drivers in New Hampshire with a speeding ticket or at-fault crash on their record.
A minimum liability policy from Hanover costs $44 per month for an 18-year-old with one speeding ticket. That's $105 per month less than the New Hampshire average.
Teens with a recent accident on their record pay around $47 per month for a liability-only policy from Hanover, which is less than one-third of the state average.
Best auto insurance in NH for teens after a ticket or crash
Company | Ticket | Accident |
|---|---|---|
| Hanover | $44 | $47 |
| State Farm | $137 | $144 |
| Concord | $152 | $168 |
| Geico | $154 | $198 |
| Progressive | $221 | $239 |
*USAA is only available to current and former military members and their families.
In New Hampshire, teens with a speeding ticket pay 14% more for car insurance than those with a clean record. And an at-fault accident will raise your rates by around 35%. That's less than the typical increase for older drivers because young drivers are considered high-risk to begin with.
Cheap auto insurance quotes in NH after a DUI: Hanover
Hanover has the most affordable car insurance in New Hampshire after a DUI. A full coverage policy from Hanover costs $83 per month after a DUI, which is less than half the statewide average.
Cheap New Hampshire car insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Hanover | $83 |
| Progressive | $131 |
| State Farm | $189 |
| Concord | $194 |
| Geico | $239 |
*USAA is only available to current and former military members and their families.
New Hampshire drivers can expect their rates to go up by around 59% after a DUI. That's an increase of $64 per month for full coverage insurance, on average.
Cheapest car insurance for drivers with poor credit: Concord
Concord has the best car insurance quotes in New Hampshire for drivers with poor credit. With an average price of $161 per month for full coverage, a policy from Concord is $50 per month cheaper than the state average.
Affordable auto insurance quotes in NH with bad credit
Company | Monthly rate |
|---|---|
| Concord | $161 |
| Geico | $163 |
| Hanover | $171 |
| Progressive | $190 |
| Allstate | $267 |
*USAA is only available to current and former military members and their families.
New Hampshire drivers with poor credit pay close to twice as much for full coverage than drivers with good credit. This is because insurance companies believe drivers with bad credit are more likely to file a claim in the future.
Best car insurance in NH
State Farm has the best auto insurance in New Hampshire for most people.
State Farm has the best combination of great customer service and affordable rates in New Hampshire. However, it's not usually the absolute cheapest option.
USAA also has excellent service and low rates in New Hampshire. However, USAA is only available to people affiliated with the military and their families.
Top car insurance companies in NH
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Geico | 637 | A++ | |
| Concord | NR | A+ | |
| Hanover | 631 | A |
Average cost of car insurance in New Hampshire by city
Keene, a city in southwestern New Hampshire, has the cheapest car insurance quotes in the state.
Drivers in Keene pay an average of $102 per month for a full coverage policy.
Manchester, located just north of Boston, has the most expensive car insurance in New Hampshire, at $131 per month. As the largest city in the state, Manchester has more traffic and higher auto theft rates than many other cities in New Hampshire. This makes car insurance more expensive because traffic and theft both lead to more claims.
Average car insurance quotes in New Hampshire by city
City | Monthly Rate | % from average |
|---|---|---|
| Alton Bay | $111 | 2% |
| Antrim | $111 | 2% |
| Ashland | $106 | -2% |
| Ashuelot | $103 | -5% |
| Barnstead | $111 | 2% |
Do I need car insurance in New Hampshire?
In New Hampshire, car insurance is not a requirement, unlike in nearly every other state. However, if you choose not to buy car insurance, you'll have to deposit $100,000 in cash or securities with the state treasurer.
Most New Hampshire drivers choose to have car insurance, and the state has few uninsured drivers. In addition, lenders typically require you to have car insurance if you have a car loan or lease.
Drivers who buy car insurance must meet the minimum coverage requirements:
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Property damage liability coverage: $25,000 per accident
- Uninsured and underinsured motorist bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Medical payments coverage: $1,000 per accident
What's the best car insurance coverage in NH?
Full coverage is the best choice for most drivers in New Hampshire.
One reason for this is because full coverage car insurance includes comprehensive and collision insurance. Collision and comprehensive insurance cover damage to your car because of a crash, theft, vandalism or a natural disaster, regardless of who's at fault.
Full coverage can also have higher liability limits than required by the state. This is important because the minimum requirement may not be high enough to cover the cost of a serious accident.
For example, if you hit and total an expensive car, it's unlikely that $25,000 with property damage liability will be enough to replace it. So if you have minimum coverage, you may end up with a big bill after a major crash.
Frequently asked questions
Do I need car insurance in New Hampshire?
Car insurance is not required in New Hampshire. However, drivers who choose not to buy a policy need to deposit $100,000 in cash or securities with the state treasurer. However, most drivers prefer to get an insurance policy.
What is the cheapest car insurance in New Hampshire?
Hanover has the cheapest insurance rates in New Hampshire. A full coverage policy from Hanover costs $57 per month, while minimum liability coverage costs just $16 per month.
Is car insurance expensive in New Hampshire?
New Hampshire has the second-cheapest full coverage rates in the country. It's also the 13th-cheapest state for minimum liability insurance. This is partially because New Hampshire has fewer car accidents and uninsured drivers than many other states.
How much does car insurance cost in New Hampshire?Methodology
ValuePenguin collected thousands of rates from ZIP codes across New Hampshire for the largest insurance companies in the state. Rates are for a 30-year-old man with good credit who owns a 2015 Honda Civic EX.
Quotes are for a full coverage policy with comprehensive and collision coverage and liability limits that are higher than the New Hampshire minimum requirement.
- $50,000 of bodily injury liability coverage per person, and $100,000 per accident
- $25,000 of property damage liability
- $10,000 of medical payments coverage
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.