Low-cost car insurance in New Hampshire

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In New Hampshire, GEICO offers the cheapest average premium at $1,216 per year. For comparison, the statewide average monthly cost is $141, 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

GEICO has the cheapest average premium in New Hampshire, coming in at $1,216 per year – about $473 compared to the state average.
For drivers with an at-fault accident on their record, Progressive offers the lowest rates, with annual costs averaging $2,006.
The 3812 ZIP code is the least expensive area in New Hampshire for car insurance, with an average yearly premium of $1,579.

Low-cost car insurance companies in New Hampshire

GEICO offers the lowest car insurance rates in New Hampshire, with an average annual premium of $1,216 per year. It’s $473 less expensive than the average car insurance cost in New Hampshire. Your actual rate 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 from low-cost car insurance companies..

Company	Average annual rates
GEICO	$1,216
Auto-Owners	$1,470
Nationwide	$1,480
Progressive	$1,548
Safety Insurance	$1,587
MMG Insurance	$1,606
Allstate	$1,920
State Farm	$2,307
Farmers	$2,656

How we choose low-cost car insurance companies in New Hampshire

195+

Carriers reviewed

65M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in New Hampshire

Drivers in the 3812 ZIP code pay the lowest average annual premium in New Hampshire, at $1,579. See which other areas of the state offer more affordable rates below.

Zipcode	City	Average annual rates
3812	Bartlett	$1,579
3285	Thornton	$1,585
3741	Canaan	$1,588
3241	East Hebron	$1,589
3245	Holderness	$1,589
3251	Lincoln	$1,589
3845	Intervale	$1,589
3818	Conway	$1,590
3262	North Woodstock	$1,591
3838	Glen	$1,591

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Low-cost car insurance in New Hampshire by age

Teenagers pay significantly more for car insurance than adults in New Hampshire. For instance, a 16-year-old driver pays $6,619 more on average than a 40-year-old.

The following table shows car insurance rates by age group in New Hampshire.

Age group	Full coverage annual premiums
Teens (16-19)	$6,258
Young Adults (20-24)	$3,124
Adults (25-60)	$1,762
Seniors (65-75)	$1,842

Low-cost car insurance in New Hampshire by driver history

Insurers 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 Hampshire

Just one speeding ticket in New Hampshire can raise your rates by 39% – $654 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Auto-Owners	$1,470	$1,689	15%	$219
Progressive	$1,548	$1,849	19%	$301
MMG Insurance	$1,606	$2,286	42%	$680
Allstate	$1,920	$2,297	20%	$377
Nationwide	$1,480	$2,361	60%	$881
GEICO	$1,216	$2,526	108%	$1,310
Farmers	$2,656	$3,482	31%	$826

Low-cost car insurance after an accident in New Hampshire

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Progressive is the lowest-cost option for these drivers, with an average annual premium of $2,006.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$1,548	$2,006	30%	$458
Auto-Owners	$1,470	$2,226	51%	$756
Nationwide	$1,480	$2,394	62%	$914
MMG Insurance	$1,606	$2,395	49%	$789
State Farm	$2,307	$2,497	8%	$190
GEICO	$1,216	$2,647	118%	$1,431
Safety Insurance	$1,587	$2,926	84%	$1,339
Allstate	$1,920	$3,239	69%	$1,319
Farmers	$2,656	$4,614	74%	$1,958

Low-cost car insurance after a DUI in New Hampshire

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in New Hampshire offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$1,548	$1,683	9%	$135
Allstate	$1,920	$2,438	27%	$518
Auto-Owners	$1,470	$2,583	76%	$1,113
MMG Insurance	$1,606	$2,714	69%	$1,108
State Farm	$2,307	$2,789	21%	$482
GEICO	$1,216	$2,899	138%	$1,683
Nationwide	$1,480	$3,271	121%	$1,791
Safety Insurance	$1,587	$3,701	133%	$2,114
Farmers	$2,656	$4,143	56%	$1,487

Average cost of car insurance New Hampshire

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in New Hampshire is $889 less than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in New Hampshire, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

It’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.

Methodology

Insure.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 violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 65,756,440 insurance quotes from 195 insurance companies across 34,595 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 applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Read more about our research standards and methodology.

Shivani Gite

Contributing 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.