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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’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.

Top 3 cheapest car insurance companies in New Hampshire

  • USAA: $735
  • Auto-Owners: $776
  • Geico: $779

🔍 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.

CompanyAverage annual rates
State Farm$837
Mapfre Insurance$1,091
Farmers Insurance$1,676
The Hanover$3,771

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 codeAverage annual rates

🚗 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.

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’s analysis.

The table below shows the cheapest 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

💡 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

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

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$844$8440%$0
Auto Club Entreprises$1,148$1,57637%$428

Cheapest car insurance after an accident in New Hampshire

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.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$844$1,05926%$216
Auto Club Entreprises$1,148$1,57637%$428

Cheapest car insurance after a DUI conviction in New Hampshire

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.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$844$1,44972%$606
Auto Club Entreprises$1,148$2,16889%$1,020

📖✂️ 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, 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


Methodology 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.