Cheapest car insurance in New Hampshire

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.

USAA provides the cheapest car insurance in New Hampshire at about $735 a year. Your specific rates may vary, but the average car insurance premium in New Hampshire is $109 per month, according to Insure.com’s 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.

The top 3 cheap car insurance in New Hampshire

Cheapest overall: USAA

$735/year

National avg. rate

Cheapest for at-fault accident: State Farm

$1,059/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: USAA

$836/year

Avg. rate after speeding ticket

🔍 Rely on research, not just numbers: Read review of top 3 cheapest companies in New Hampshire

Simplifying the process, we have compiled and examined data on rates, financial stability scores, and complaint records of leading auto insurers. Additionally, we conducted customer surveys to assess each company’s customer experience, claims expertise, and policy offerings.

Cheapest car insurance in New Hampshire by company

USAA offers the cheapest car insurance in New Hampshire an average of $735 per year. It’s 44% less expensive than the average 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 ensure you get the best deal.

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

Company	Average annual rates
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
USAA	$735

How we choose the cheap car insurance companies in New Hampshire

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in New Hampshire

3446 ZIP code in New Hampshire has the cheapest auto insurance cost at an average price of $1,161 annually. Below, you’ll find the cheapest ZIP codes for car insurance in New Hampshire.

ZIP code	Average annual rates
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

🚗 Car Insurance Rates by ZIP Code (2023)

Check out how car insurance costs differ by ZIP code in both low and high-cost living areas in the USA. Get the latest 2023 research on car insurance rates by ZIP code. For detailed insights, explore our comprehensive guide on car insurance rates by ZIP code.

You might find interesting

Cheapest car insurance in New Hampshire 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 the cheapest car insurance rates for drivers of different ages:

Age group	Full 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

💡 Quick Tip:

Consider bundling your car insurance with other policies for potential discounts, especially as you age and acquire more assets.

Cheapest car insurance in New Hampshire by driver history

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

Cheapest car insurance after a speeding ticket in New Hampshire

Here is the list of the top 3 companies that offer cheap car insurance after a speeding ticket:

USAA: $836 per year
State Farm: $844 per year
Auto-Owners: $890 per year

A single speeding ticket can increase your rates by 27% or $273 in New Hampshire, based on Insure.com data.

Getting a speeding ticket is never any fun. You will have to pay a fine, and your insurance rates may increase.

But if you’re looking for the cheapest car insurance costs in New Hampshire, some insurers offer cheap car insurance after a speeding ticket.

Company	Average annual premium	New rate after incident	% Increase	$ Increase
State Farm	$844	$844	0%	$0
Auto-Owners	$776	$890	15%	$114
Progressive	$845	$1,117	32%	$272
Nationwide	$872	$1,156	33%	$284
Geico	$746	$1,298	74%	$552
Auto Club Entreprises	$1,148	$1,576	37%	$428
Allstate	$1,635	$1,886	15%	$250
Farmers	$1,619	$2,069	28%	$451
USAA	$726	$836	15%	$110

Cheapest car insurance after an accident in New Hampshire

Here is the list of the top 3 companies that offer cheap car insurance after an accident:

State Farm: $1,059 per year
USAA: $1,063 per year
Auto-Owners: $1,116 per year

State Farm offers the cheapest car insurance rates to drivers after an at-fault accident at about $1059 a year.

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

Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after incident	% Increase	$ Increase
State Farm	$844	$1,059	26%	$216
Auto-Owners	$776	$1,116	44%	$339
Progressive	$845	$1,396	65%	$550
Geico	$746	$1,448	94%	$702
Nationwide	$872	$1,485	70%	$613
Auto Club Entreprises	$1,148	$1,576	37%	$428
Allstate	$1,635	$2,374	45%	$739
Farmers	$1,619	$2,627	62%	$1,009
USAA	$726	$1,063	46%	$337

Cheapest car insurance after a DUI conviction in New Hampshire

Here is the list of the top 3 companies that offer cheap car insurance after a DUI conviction:

Progressive: $977 per year
USAA: $1,180 per year
Auto-Owners: $1,351 per year

Your car insurance rates will be affected if you’ve recently been convicted of a DUI. Most insurers will consider you a high-risk driver and charge you higher rates.

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

Company	Average annual premium	New rate after incident	% Increase	$ Increase
Progressive	$845	$977	16%	$131
Auto-Owners	$776	$1,351	74%	$575
State Farm	$844	$1,449	72%	$606
Geico	$746	$1,659	122%	$913
Nationwide	$872	$1,915	120%	$1,043
Allstate	$1,635	$2,062	26%	$427
Auto Club Entreprises	$1,148	$2,168	89%	$1,020
Farmers	$1,619	$2,391	48%	$772
USAA	$726	$1,180	62%	$454

📖✂️ Long story short:

Cheapest car insurance after a speeding ticket: USAA ($836)
Cheapest car insurance after an accident: State Farm ($,1059)
Cheapest car insurance after a DUI conviction: Progressive ($977)

Average 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. The average cost of full coverage car insurance in New Hampshire is 22% less than the national average car insurance rates in the U.S.

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

What is full coverage car insurance in New Hampshire?

Full coverage car insurance includes bodily injury liability 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. In contrast, comprehensive insurance protects against damage 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 must pay an uninsured motorist fee of $500.

Final thoughts

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 cost you dearly.

Ensure you’re adequately protected and consider your needs before buying an auto insurance policy. Car insurance rates vary, so make sure to compare insurance rates from various car insurance companies to get the cheapest car insurance coverage in New Hampshire

Source:

Insurance Information Institute. “What is auto insurance.” Accessed August 2022.

Methodology

Insure.com gathered the auto insurance rates 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 auto insurance rates are based on a sample driver profile of a 40-year-old man with a clean driving record and good credit score.