Best Car Insurance in New Hampshire (updated 2023)

WRITTEN BY: Julia Matseikovich


New Hampshire state residents pay an average of $1,275 for full-coverage car insurance. This is only the average — other factors, such as age and location, will determine your actual rate. However, you may be able to save on your auto insurance cost by researching the cheapest insurance companies, discounts offered, and more. 

Best New Hampshire Car Insurance Companies

New Hampshire’s average auto insurance cost is lower than the national average, but you can still save even more by comparing rates. When comparing pricing and customer satisfaction rankings, the best car insurance companies in New Hampshire are Amica Insurance and State Farm. 

Cheapest New Hampshire Car Insurance Company

Drivers in New Hampshire searching for cheap auto insurance should look to Nationwide and State Farm. Nationwide’s average annual rate is $424 cheaper than the state’s average cost, and drivers can save an average of $317 with State Farm. 

New Hampshire Car Insurance Company With the Best Customer Service

New Hampshire drivers that value strong customer service and claim satisfaction ratings should request quotes from Amica and State Farm. Amica scored 867 on J.D. Power’s 2021 study, and State Farm scored 855. 

Company With the Best Premium-Reducing Programs

Taking advantage of a company’s premium-reducing programs will save you money on car insurance in New Hampshire. State Farm offers many discounts in the state, including: 

  • Accident-Free Discount
  • Drive Safe & Save Discount
  • Good Student Discount
  • Multiple Automobiles Discount
  • Passive Restraint Discount
  • Steer Clear® Safe Driver Discount
  • Vehicle Safety Discount, and more

New Hampshire Car Insurance Company With the Best Discounts

If you bundle your policies with one company, some insurance companies will reward you with a discount. In New Hampshire, bundling your auto and home insurance can lead to an average savings of $103. New Hampshire drivers should research bundling opportunities with both Nationwide and State Farm. These two companies offer an average savings of 33% on home and auto bundling discounts. 

Local and Regional Car Insurance Carriers In New Hampshire

The Hanover Insurance Group 

The Hanover Insurance Group is a New England regional insurance carrier with insurance for New Hampshire drivers. 

Drivers in the Granite State can customize their policies or choose Connections, a plan for just automobile insurance. The Hanover Insurance Group also features its Platinum home and auto bundle and car insurance for high-value vehicles. 

Driver coverage options include liability, newer car replacement, comprehensive physical damage, and medical payments/personal injury protection. Policy savings include a pay-in-full discount, home and auto bundle, and good student discount. 

MMG Insurance

MMG Insurance is a leading auto insurance carrier for New Hampshire and New England. With a 125-year-old history and quick claims, the insurer offers an assortment of vehicle coverages at any budget. 

Coverage options from MMG Insurance encompass personal protection, such as personal injury liability, uninsured/underinsured motorist, and medical payments, plus vehicle coverage, such as collision and comprehensive. 

When policyholders combine multiple policies from MMG Insurance, they enjoy significant savings with a package called Portfolio, plus there are other ways to save.

Amica Insurance

Amica features a complete list of coverage options to protect drivers, their cars, and their wallets. Coverages like bodily injury liability, medical payments, uninsured/underinsured motorist bodily injury, and personal injury protection ensure drivers recover financially from injuries. 

Amica features collision, comprehensive, property damage, and towing/labor coverages for complete car protection. Financed vehicles benefit from loan/lease gap coverage, while full glass coverage makes it possible for glass repair or replacement without a deductible. 

Amica Insurance’s savings options are robust, with bundle discounts, discounts for homeowners, and over 15 other savings options.

New Hampshire Insurance Demographics

Insurance companies in New Hampshire consider the state’s demographics when determining average rates. Here are New Hampshire’s current demographics that may affect what you pay for insurance: 

  • Crime Rates: New Hampshire experienced 15,014 property crimes and 2,000 violent crimes. Residents have a 1.45 chance of becoming a victim of violent crime. 
  • Median Household Income: New Hampshire’s median household income is $77,923, about 20% more than the national median of $64,994.
  • Median Age Range: New Hampshire’s median age group is 5-17. The state’s largest age group is 35-54.
  • Education: In New Hampshire, 93.3 of its residents are high school graduates. About 38% graduated college, and around 5% are currently enrolled.

Common Risk Factors In New Hampshire

Due to its northeastern location in the U.S., New Hampshire often experiences storms coming off the Atlantic Ocean and blizzards and snowy conditions. 

Auto Insurance Laws In New Hampshire

New Hampshire state laws don’t require drivers to carry car insurance, but it’s recommended. However, suppose you’re convinced of the following violations. In that case, you’ll need to purchase a car insurance policy: 

  • Driving under the influence
  • Hit and run
  • Intentionally harming or killing someone with your car 
  • A second speeding ticket or warning for other traffic violations 

What are the minimum car insurance requirements in New Hampshire?

In New Hampshire, drivers must meet minimum car insurance requirements if they cause an accident. They must be able to cover $25,000 in bodily injury per person, up to $50,000 per accident, and $25,000 in property damage.

Am I required to carry uninsured motorist coverage in New Hampshire?

Per NH RSA 264:15, if you buy auto insurance in New Hampshire, you must also purchase uninsured motorist coverage. 

New Hampshire SR-22 policies

SR-22 insurance is a requirement for New Hampshire drivers convicted of high-risk traffic offenses, like at-fault collisions, driving under the influence, or reckless driving.

Is New Hampshire a no-fault state?

New Hampshire is a “fault” state, meaning at-fault motorists may be held liable for the injuries and damages caused.

What happens if my vehicle isn’t properly insured in New Hampshire?

In New Hampshire, if you’re required to have insurance and caught without it, you’ll lose your driving privileges and have to pay a fee to get them reinstated.

Does New Hampshire accept digital insurance cards?

The state doesn’t require most drivers to carry car insurance, so unless you’re required to have car insurance, there’s no need for a digital insurance card

How Much Does Car Insurance In New Hampshire Cost?

New Hampshire residents pay an average of $1,275 for full coverage auto insurance. However, your city and age will determine what you pay. 

Average Cost of Car Insurance In New Hampshire By City

Where you live in New Hampshire will affect what you pay for auto insurance. Typically, if you reside in a heavily populated area, you will pay more. Those living in Concord pay slightly less than the average, while Manchester residents pay $1,515 annually, $240 more than the state’s average. 

CityAverage New Hampshire Car Insurance Cost

Average Cost of Car Insurance In New Hampshire By Company

Your annual rate for car insurance in New Hampshire will also vary by company. Nationwide currently offers the cheapest car insurance at $855, while Allstate’s average full-coverage premium is more than double at $2,015. 

Car Insurance CompanyAverage Full-Coverage Premium (Annually)

Average Cost of Car Insurance In New Hampshire By Age

Consistent with national averages, 18 to 20-year-old drivers will pay the most for car insurance. In New Hampshire, 60-year-old drivers pay the lowest average premium. 

AgeAverage Full-Coverage Premium (Annually)
Age 16$1,735
Age 18$3,935
Age 20$2,800
Age 25$1,515
Age 30$1,285
Age 40$1,275
Age 50$1,510
Age 60$1,045
Age 70$1,195

Average Cost of Car Insurance In New Hampshire By Gender

In New Hampshire, gender doesn’t play a significant factor when determining rates. Men pay just slightly more than women in the state. 

GenderAverage Full-Coverage Premium (Annually)

Average Cost of Car Insurance In New Hampshire By Credit Score

Consistent with other states, drivers in New Hampshire with great credit reap the rewards of lower auto insurance rates. On average, New Hampshire drivers with poor credit pay almost $1,000 more. 

Credit ScoreAverage Premium (Annually)
Very Good$1,120

Average Cost of Car Insurance In New Hampshire By Driving Record

Drivers in New Hampshire with a clean record will most likely pay the average auto insurance premium. An accident, speeding ticket or DUI/DWI will cause rates to increase, with a DUI increasing the cost by almost half. 

Driving IncidentAverage Full-Coverage Premium (Annually)% Increase In Average Full-Coverage Premium
Speeding ticket$1,3507%

What Auto Insurance Discounts To Look For In New Hampshire

There are plenty of ways that New Hampshire drivers can save money on their car insurance premiums, like taking advantage of the discounts each company offers. When comparing rates and companies, ask about the following discounts:

  • New car discounts for vehicles less than one-year-old
  • Safe driver discounts that record your everyday driving habits
  • Paid-in-full discounts when you pay your annual cost in one payment
  • Safety equipment discounts, such as installing anti-lock brakes or an anti-theft system


Is car insurance expensive in New Hampshire?

On average, New Hampshire car insurance rates skew lower than the national average. 

Is it mandatory to have car insurance in New Hampshire?

New Hampshire motor vehicle laws don’t require residents to carry auto insurance.

Is New Hampshire a no-fault state?

New Hampshire is an at-fault state, meaning the at-fault driver is responsible for paying the costs associated with the accident. 

Is GEICO offered in NH?

GEICO provides coverage for drivers in all 50 states and the District of Columbia.

Is New Hampshire a PIP state?

Personal injury protection (PIP) is not required in New Hampshire. 

How To Purchase New Hampshire Car Insurance

Car insurance isn’t required in New Hampshire, but it’s highly recommended. To buy New Hampshire car insurance at the best rates, shop around and compare policies. Use our website’s quote tool to request rates from at least three companies.