The best, cheapest car insurance in New Hampshire for 2025

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Best car insurance company in New Hampshire

Drivers in New Hampshire pay an average of $1,265 a year, or $105 per month, which is the 50^th highest in the country, according to our research.

Actual car insurance rates vary by company, and State Farm, GEICO, and others continue to offer some of the most competitive premiums in New Hampshire.

When it comes to the best cheap car insurance in New Hampshire, State Farm is our No. 1 choice followed by GEICO and Progressive.

State Farm scores well with third-party rating organizations and it has an average premium in New Hampshire of $1,155 a year, or $96 a month, which is roughly $110 less than the New Hampshire average.

The best car insurance companies in New Hampshire

Company Group	NAIC	J.D. Power	AM Best Rating	Score (out of 5)
State Farm	0.79	664	A++	4.61
GEICO	0.69	638	A++	4.39
Progressive	0.71	620	A+	3.97
Allstate	1.1	646	A+	3.21
Farmers	0.86	600	A	3.00
USAA*	1.18	741	A++	4.46

*USAA is only available to military community members and their families.

How we picked the top auto insurance companies

When choosing the top car insurance companies in the state, we not only looked at the average cost of coverage but also J.D. Power customer satisfaction scores, AM Best financial strength ratings and National Association of Insurance Commissioners (NAIC) complaint rankings. National averages were used where state and regional data was not available.

For each of the four metrics, we gave companies in each state from 1 to 5 (5 being the best) based on how they performed in each category. Those components were then given the following weights, to arrive at an overall star rating.

Premiums: 25%
JD Power: 30%
AM Best: 25%
NAIC: 20%

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Cheapest car insurance in New Hampshire

Auto-Owners is the cheapest option for car insurance in New Hampshire.

Insurers consider a wide variety of factors when setting a premium including your driving record, credit score, age and marital status as well the vehicle. Where you live also affects rates.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Chong Gao, director of product management R&D at Mercury Insurance. “Florida, for example, is prone to extreme weather like hurricanes and its car insurance costs are consequently much higher.”

Insurance companies crunch all this data with proprietary algorithms, which can result in dramatic differences in premium quotes.

The numbers highlight these differences. Allstate is the most expensive insurer in New Hampshire with an average premium of $2,123 a year.

On the other hand, as mentioned above, the average premium for Auto-Owners policyholders in New Hampshire is $803 a year. The Hanover had the second cheapest coverage in New Hampshire at $1,027 and Nationwide rounded out the top three cheapest at $1,145.

Below is a list of the cheapest full-coverage car insurance rates in New Hampshire for a 40-year-old driver of a 2023 Honda Accord LX.

Cheapest full-coverage insurance in New Hampshire

Company	Average annual premium	Average monthly premium
Auto-Owners	$803	$67
The Hanover	$1,027	$86
Nationwide	$1,145	$95
State Farm	$1,155	$96
GEICO	$1,212	$101
Progressive	$1,343	$112
Farmers	$1,954	$163
Allstate	$2,123	$177

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Full coverage car insurance in New Hampshire

As noted, the rates above are for full coverage car insurance. Full coverage car insurance simply means you are carrying liability and any other state requirements as well as collision and comprehensive.

Full coverage insurance includes collision and comprehensive, which protects your own vehicle. Collision insurance will pay to repair your vehicle when it is damaged after colliding with another vehicle or object. Comprehensive covers damage that is done by perils such as fire, theft, flooding, vandalism, and more.

Shopping for car insurance in New Hampshire

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance. Experts often tell consumers to shop for insurance yearly. But that doesn’t necessarily mean you should be looking to switch.

“I recommend that people stay with the same insurance company, as they tend to get a better rate when they have been with the same carrier for more than 12 months. The more tenure you have with a carrier, the more potential there is to earn benefits,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. “The carrier can also review your claims history and provide information about applicable discounts.”

But make sure you are comparing like coverage levels and deductibles.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” Bottini says. However, if a person has low limits, say 25/50/25 – limit per person/per occurrence/limit for property damage – he will recommend higher coverage.

“Depending on their age/income and profession,” he says, “I would quote higher limits to protect their net worth and earnings potential.”

Bottini also says people can save money on their car insurance by keeping their credit score up, following the speed limit and placing both home and auto insurance with the same carrier.

Cheapest car insurance in New Hampshire by age

Insurance companies consider your age when setting a premium and teens and young adults pay more for coverage as statistics show that young drivers, because they are inexperienced, have more accidents and claims.

Regardless of your age, in New Hampshire, Auto-Owners is the most affordable coverage with an average rate of $803 a year.

As teens transition into young adults and get more experience under their belt rates start to drop. By their mid to late-20s – assuming they keep their record clean – driver rates should stabilize and then stay stable until the driver moves into their 70s when rates will start climbing again.

Cheapest car insurance for senior drivers in New Hampshire

According to our data, senior drivers pay roughly 31% more than middle-aged drivers.

Seniors tend to pay slightly higher car insurance rates than younger drivers. In New Hampshire, the cheapest insurance company for senior drivers is Auto-Owners at $852 a year or $71 a month. The Hanover grabbed the second-place spot with premiums running $940 annually or $78 a month, State Farm was third at $1,123.

Seniors pay higher rates thanks to age-related issues. They often suffer from vision and hearing issues as well as slowing reflexes and medical issues. This all leads to more accidents and claims, which pushes up the cost to insure seniors.

The chart below shows the average premium for senior drivers.

Average rates for seniors in New Hampshire

Company	Average annual premium	Average monthly premium
Auto-Owners	$852	$71
The Hanover	$940	$78
State Farm	$1,123	$94
Nationwide	$1,133	$94
GEICO	$1,277	$106
Progressive	$1,426	$119
Farmers	$1,918	$160
Allstate	$2,361	$197

Car insurance for young drivers in New Hampshire

Young drivers (21-25) have seen their premiums drop from their teen years, but they still pay more than more experienced drivers. In New Hampshire, Auto-Owners is the cheapest option for young adults with a yearly premium of $1,271 or $106 a month.

The Hanover is the next most affordable with an average rate of $1,292 followed by State Farm at $1,990.

Young drivers who maintain a clean driving record can expect their rates to drop even more as they reach their late 20s.

The table below shows the best insurers for young drivers in New Hampshire:

Average rates for young drivers in New Hampshire

Company	Average annual premium	Average monthly premium
Auto-Owners	$1,271	$106
The Hanover	$1,292	$108
State Farm	$1,990	$166
GEICO	$2,031	$169
Nationwide	$2,063	$172
Progressive	$2,416	$201
Allstate	$3,120	$260
Farmers	$3,797	$316

Car insurance for teen drivers in New Hampshire

Adding a teen to a car insurance policy will always push up the rate. Teens are the least experienced drivers out on the road which leads to more accidents and claims and higher premiums.

“Teen drivers are statistically more likely to be involved in accidents due to their lack of driving experience and tendency to engage in risky behaviors like speeding,” says Eliezer Zupnick, founder of East Leads Group LLC. “Teens are involved in three times as many auto accidents per mile compared to drivers aged 20 and up, making them a high-risk category for insurers.”

For New Hampshire teens, Auto-Owners is the most affordable option with a premium of $1,840 a year or $153 a month. The Hanover is the next most affordable at $1,860 a year or $155 a month followed by State Farm running $3,964 a year.

If your teen has a B average or better, ask for a good student discount to help save a bit of money. Having your teen drive an older vehicle will also help save some money. If the car is old enough that you wouldn’t repair it after an accident, you may be able to drop collision and comprehensive.

The chart below shows average premiums for teens in New Hampshire:

Average rates for teens in New Hampshire

Company	Average annual premium	Average monthly premium
Auto-Owners	$1,840	$153
The Hanover	$1,860	$155
State Farm	$3,964	$330
GEICO	$4,062	$339
Nationwide	$4,358	$363
Allstate	$4,974	$415
Progressive	$6,446	$537
Farmers	$7,646	$637

Average cost of car insurance in New Hampshire

In New Hampshire, the average premium is $1,265, which makes New Hampshire the 50^th most expensive state for coverage.

All states have large metropolitan areas, which will always push up the cost of insurance as more vehicles on the road lead to more accidents and claims. A high crime rate will also impact rates.

“If a state has a higher rate of car insurance claims associated with vandalism or car theft, prices are usually higher because car insurance companies view insuring these cars as a higher risk for them,” says Chong Gao, director of product management R&D at Mercury Insurance.

The chart below is the average rate in each state for a 40-year-old driver of a 2023 Honda Accord LX.

Average rates for a 40-year-old in New Hampshire

Average annual premium	Average monthly premium
$1,265	$105

Which New Hampshire ZIP codes are the most expensive for car insurance?

Insurers consider the ZIP code where your car is parked when setting a premium. High crime rates or frequent severe weather will result in a higher premium.

According to our analysis, the following ZIP codes are the most expensive in New Hampshire for car insurance. Manchester tops the charts at $1,436 a year.

Here are the most expensive ZIP codes in New Hampshire for car insurance:

Most expensive ZIP codes in New Hampshire

City	Average annual Premium
Manchester	$1,436
East Hampstead	$1,416
Atkinson	$1,415
Plaistow	$1,411
Newton	$1,408
Hampstead	$1,400
Kingston	$1,397
Salem	$1,397
Pelham	$1,389
Windham	$1,388

Which New Hampshire ZIP codes are the cheapest for car insurance?

The cheapest ZIP codes for car insurance in New Hampshire tend to be in rural areas where there are fewer people and cars which leads to lower accident and claim rates. Swanzey has the most affordable ZIP code in New Hampshire with an annual premium of $1,178.

Least expensive ZIP codes in New Hampshire

City	Average annual Premium
Swanzey	$1,178
Keene	$1,181
Enfield	$1,186
Gilsum	$1,189
Guild	$1,196
Hanover	$1,197
Springfield	$1,199
Meriden	$1,200
Plainfield	$1,200
West Lebanon	$1,200

Cheapest car insurance for high-risk drivers in New Hampshire

If you have an at-fault accident, DUI or speeding ticket on your driving record, your insurer may consider you a high-risk driver and will push up the cost of your coverage.

A speeding ticket increases the average premium to $1,294 and will stay on your record and impact your premium for three years.

If you are responsible for an accident, your rates will push the average cost of coverage to $1,543.

A DUI is considered a major violation and will raise the average premium to $1,942.

The table below shows the average increase for drivers with an incident on their record:

How much rates increase in New Hampshire after a traffic incident

Profile Groups	Average annual premium	Rates after Incident	Rates increase after incident ($)	Rates increase after incident (%)
At-Fault Accident	$952	$1,543	$592	62%
Bad Credit	$952	$1,545	$593	62%
DUI	$952	$1,942	$991	104%
Speeding	$952	$1,294	$343	36%

Minimum car insurance requirements in New Hampshire

Most states require drivers to carry a minimum amount of liability car insurance, and New Hampshire is no exception. Drivers are required to carry 25/50/25 in liability coverage, which translates into:

$25k for injury/death per person
$50k for injury/death per accident
$25k for damage to property

But state-required minimums are rarely enough coverage in a serious accident. If you cause an accident and the damages exceed your coverage levels, you will need to cover the damages out of pocket.

The most common required coverages are $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident and $25,000 property damage.

Experts typically recommend carrying 100/300/100 as a minimum liability coverage level.

What our expert says

Q: How does a state’s population affect car insurance rates?

Chong GaoDirector of product management R&D at Mercury Insurance.

“States with a higher population density have more cars on the road and thus more accidents and claims, increasing insurance rates. A more rural state like Iowa will have significantly lower average yearly car insurance costs compared to a highly metropolitan state like New Hampshire.”

Mark Vallet

Contributing Researcher

Mark Vallet is a Denver-based insurance expert and journalist with 18 years of experience covering the car insurance industry. He specializes in breaking down complex insurance topics into clear, expert-backed insights that help drivers make smarter insurance coverage decisions.