Home Car insurance Car insurance rates by state Low-cost car insurance in New Hampshire Low-cost car insurance in New Hampshire Based on our analysis, Auto-Owners has the most affordable car insurance rates in New Hampshire. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In New Hampshire, Auto-Owners offers the cheapest average premium at $803 per year. For comparison, the statewide average monthly cost is $105, though individual rates vary depending on your driving profile, location, and vehicle.For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.Below, we highlight which insurers provide the most affordable rates across different driver categories. Key Takeaways Auto-Owners has the lowest average car insurance premium in New Hampshire, costing $803 per year. That’s 37% the state average.For drivers with an at-fault accident on record, Auto-Owners offers the most affordable coverage at around $1,154 annually.The 3431 ZIP code stands out as the cheapest area for auto insurance in New Hampshire, with an average yearly cost of $1,167. Low-cost car insurance businesses in New HampshireWhen comparing insurers in New Hampshire, Auto-Owners leads the pack with an annual average of $803. That’s 37% less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.Here are the annual averages from the most affordable insurance companies in New Hampshire.CompanyAverage annual ratesAuto-Owners$803The Hanover$1,027MMG Insurance$1,038Nationwide$1,145State Farm$1,155GEICO$1,212Progressive$1,343Farmers$1,954Allstate$2,123USAA*$852*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in New Hampshire 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in New HampshireDrivers in the 3431 ZIP code pay the lowest average annual premium in New Hampshire, at $1,167. See which other areas of the state offer more affordable rates below.ZIP codeCityAverage annual rates3431Keene$1,1673446Swanzey$1,1783748Enfield$1,1863448Gilsum$1,1893435Keene$1,1943766Lebanon$1,1953754Guild$1,1963755Hanover$1,1973284Springfield$1,1993770Meriden$1,200Powered by: You might find interesting Average car insurance cost in New HampshireCar insurance calculator for teens in New HampshireCheapest SR-22 insurance in New HampshireDo you need insurance to register a car in New Hampshire?How much is gap insurance in New HampshireNew Hampshire car insurance calculatorNew Hampshire car insurance: Rates, state minimum requirements and best companiesNon-owner auto insurance in New Hampshire: Which company has the cheapest rates?The best, cheapest car insurance in New HampshireBest and cheapest companies for home and auto bundles in New HampshireShow more Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Low-cost car insurance in New Hampshire by ageYoung drivers often face the highest premiums. In New Hampshire, for example, a 16-year-old pays $3,968 more than a 40-year-old driver.The table below shows how rates change by age group.Age groupFull coverage annual premiumsTeens (16-19)$4,141Young Adults (20-24)$2,115Adults (25-60)$1,289Seniors (65-75)$1,315Powered by:Low-cost car insurance in New Hampshire by driver historyInsurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.Low-cost car insurance after a speeding ticket in New HampshireOne speeding ticket in New Hampshire can cause your insurance rates to jump by 37%, or roughly $469 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAuto-Owners$803$92115%$118Progressive$1,343$1,77232%$429Nationwide$1,145$1,90967%$764GEICO$1,212$2,40398%$1,191Allstate$2,123$2,44315%$320Farmers$1,954$2,58532%$631USAA*$852$98415%$132*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in New Hampshire Auto-Owners offers the lowest car insurance rates to drivers after an at-fault accident at $1,154 a year. If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAuto-Owners$803$1,15444%$351State Farm$1,155$1,27110%$116The Hanover$1,027$1,60356%$576Nationwide$1,145$1,93469%$789Progressive$1,343$2,14660%$803GEICO$1,212$2,39097%$1,178Allstate$2,123$3,10546%$982Farmers$1,954$3,40274%$1,448USAA*$852$1,25547%$403*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after a DUI in New Hampshire]A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in New Hampshire keep their premiums lower than others. The table below shows the most affordable options available after a DUI.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseAuto-Owners$803$1,400$59774%The Hanover$1,027$1,484$45744%State Farm$1,155$1,513$35831%Progressive$1,343$1,534$19114%Nationwide$1,145$2,604$1,459127%Allstate$2,123$2,684$56126%GEICO$1,212$2,819$1,607133%Farmers$1,954$3,048$1,09456%USAA*$852$1,384$53262%*USAA is only available to military community members and their families.Powered by:Average cost of car insurance New Hampshire Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.In New Hampshire, the average cost of full coverage is $630 less compared to the national averageWe recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.What is full coverage car insurance?Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.If you finance or lease your vehicle in New Hampshire, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.The bottom line on saving and staying protectedIt’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in New Hampshire.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in New Hampshire. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles..We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Low-cost car insurance businesses in New HampshireHow we choose low-cost car insurance companies in New HampshireZIP codes with the cheapest car insurance in New HampshireLow-cost car insurance in New Hampshire by ageLow-cost car insurance in New Hampshire by driver historyAverage cost of car insurance New HampshireWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330