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USAA provides the cheapest full coverage car insurance in New Hampshire at about $735 a year. (USAA offers car insurance only to members of the military, veterans and their immediate families.) Your specific rates may vary, but the average full coverage car insurance premium in New Hampshire is $109 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and New Hampshire is no exception. New Hampshire drivers are required to carry at least the minimum amount of liability coverage—$25,000 of personal property coverage per person, $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in New Hampshire?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in New Hampshire, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in New Hampshire

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in New Hampshire is 22% less than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

Cheapest full coverage car insurance rate in New Hampshire by company

USAA offers the cheapest full coverage car insurance in New Hampshire an average of $735 per year. It’s 44% less expensive than the average full coverage car insurance cost in New Hampshire. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

CompanyFull coverage insurance cost
USAA$735
Auto-Owners$776
Geico$779
State Farm$837
Progressive$849
Nationwide$917
Mapfre Insurance$1,091
Allstate$1,638
Farmers Insurance$1,676
The Hanover$3,771

Full coverage car insurance cost in New Hampshire by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in New Hampshire

Drivers living in the ZIP code 3101 pay the highest premiums at about $1,597 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in New Hampshire.

ZIP codeFull coverage insurance cost
3101$1,597
3104$1,593
3103$1,541
3109$1,527
3079$1,497
3076$1,491
3858$1,479
3102$1,474
3811$1,468
3087$1,461

Least expensive ZIP codes for car insurance in New Hampshire

3446 ZIP code in New Hampshire has the cheapest full coverage auto insurance cost at an average price of $1,161 annually. Know the least expensive ZIP codes for car insurance in New Hampshire below.

ZIP codeFull coverage insurance cost
3446$1,161
3431$1,171
3448$1,181
3451$1,201
3441$1,203
3470$1,212
3280$1,214
3284$1,214
3603$1,220
3746$1,221

New Hampshire full coverage car insurance rate by age

Young drivers in New Hampshire tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 377% more than a 40-year-old mature driver in New Hampshire, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$5,051
Young drivers (age 20-24)$2,600
Adult drivers (age 25-64)$1,382
Senior drivers (age 65+)$1,328

Read our Guide to car insurance for teens for more information

Car insurance rates in New Hampshire by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in New Hampshire

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 27% or $273 in New Hampshire, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
USAA$726$83615%$110
State Farm$844$8440%$0
Auto-Owners$776$89015%$114
Progressive$845$1,11732%$272
Nationwide$872$1,15633%$284
Geico$746$1,29874%$552
Auto Club Entreprises$1,148$1,57637%$428
Allstate$1,635$1,88615%$250
Farmers$1,619$2,06928%$451

Cheapest full coverage car insurance after an accident in New Hampshire

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

State Farm offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1059 a year. (USAA offers car insurance only to members of the military, veterans and their immediate families.) Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$844$1,05926%$216
USAA$726$1,06346%$337
Auto-Owners$776$1,11644%$339
Progressive$845$1,39665%$550
Geico$746$1,44894%$702
Nationwide$872$1,48570%$613
Auto Club Entreprises$1,148$1,57637%$428
Allstate$1,635$2,37445%$739
Farmers$1,619$2,62762%$1,009

Cheapest full coverage car insurance after a DUI conviction in New Hampshire

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
Progressive$845$97716%$131
USAA$726$1,18062%$454
Auto-Owners$776$1,35174%$575
State Farm$844$1,44972%$606
Geico$746$1,659122%$913
Nationwide$872$1,915120%$1,043
Allstate$1,635$2,06226%$427
Auto Club Entreprises$1,148$2,16889%$1,020
Farmers$1,619$2,39148%$772

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across New Hampshire.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.

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Nupur Gambhir
Managing Editor

 
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.