Car Insurance Non-owner auto insurance in New Hampshire: Which company has the cheapest rates? The best non-owner insurance rates in New Hampshire are available from USAA and State Farm. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 10, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner auto insurance in New Hampshire is $300 per year, which is $80 lower than the national average, according to Insure.com’s 2023 rate analysis. Many companies offer these policies in New Hampshire, such as Geico, Progressive and Nationwide. Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else. “Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage. Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in New Hampshire. How much does non-owner car insurance cost in New Hampshire? It’s usually less expensive to buy a non-owner insurance policy than regular auto insurance because insurers regard non-owner policyholders less of a risk due to their minimal access to a car. In the United States, it costs an average of $1,682 a year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for any damages to property. This rate is based on drivers with a clean driving record and good credit score. In New Hampshire, the cost of full coverage car insurance is $1,266. Meanwhile, non-owner car insurance costs $300 a year in New Hampshire and $380 on average in the U.S. Rates are based on multiple factors, such as where in New Hampshire you live, which insurer you purchase from as well as your age and driving history. Which insurer offers the cheapest non-owner insurance rates in New Hampshire? New Hampshire’s least expensive non-owner insurance policy is offered by USAA at $102 a year. At $570, Farmers Insurance charges the highest rate for non-owner insurance in the state. A good rule of thumb is to compare quotes from many different insurance companies to get the best price. Below you’ll find a list of the cheapest non-owner policies that are offered in New Hampshire Cheapest non-owner insurance rates in New Hampshire CompanyAverage annual premiumUSAA$102State Farm$122Geico$163Progressive$346Nationwide$496 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in New Hampshire by age? Older drivers have more time behind the wheel than younger, inexperienced drivers and are less likely to get in an accident. Because of this, their rates are generally lower than those of younger drivers. On average, New Hampshire non-owner insurance costs $308 a year for a 45-year-old, whereas it’s $966 for a 16-year-old driver. Average non-owner car insurance rates in New Hampshire by age and gender AgeMaleFemale16$1,004$92717$1,069$98218$935$86319$596$54720$567$51721$491$44922$430$40223$419$39024$395$37125$345$33930$308$30735$304$31240$300$30645$305$31150$299$30355$293$29760$285$28965$290$30070$323$33675$346$356 Which New Hampshire cities have the cheapest non-owner auto insurance? Rates vary from city to city. Insurers set rates based on factors such as theft, collisions and vandalism in different U.S. cities. The tables below show which cities in New Hampshire have the lowest and highest non-owner car insurance rates. The 20 New Hampshire cities with the lowest non-owner auto insurance rates Cities in New HampshireLowest non-owner car insurance ratesLincoln$221Orford$221Sandwich$221Bethlehem$222Campton$222Center Tuftonboro$222Groveton$222Littleton$222Mirror Lake$222North Haverhill$222North Sandwich$222North Woodstock$222Thornton$222Twin Mountain$222Warren$222West Lebanon$222Canaan$223Center Ossipee$223Grafton$223Haverhill$223 The 20 New Hampshire cities with the highest non-owner car insurance rates Cities in New HampshireHighest non-owner car insurance ratesManchester$331Windham$310Derry$307Salem$306Auburn$298Londonderry$298Newton$296East Hampstead$293Atkinson$292Nashua$292Plaistow$290Hampstead$288Pelham$288Kingston$286Seabrook$284Hampton$281Hudson$281Rye Beach$281East Kingston$280North Hampton$280 How much is non-owner auto insurance in New Hampshire’s 10 biggest cities? The biggest cities in New Hampshire have varying non-owner insurance rates. The cost of non-owner insurance in Manchester is the highest at $331. Lebanon has the least expensive prices among the state’s largest cities at $231. Non-owner car rates in New Hampshire’s 10 largest cities 10 largest cities in New HampshireNon-owner car ratesManchester$331Derry$307Nashua$292Dover$264Rochester$263Portsmouth$260Concord$259Laconia$256Keene$237Lebanon$231 How non-owner insurance rates in New Hampshire compare to rates in other states The rates for non-owner auto insurance differ from state to state. The average non-owner insurance rate in New Hampshire is $300, which is lower than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and then Iowa at $193 a year. Non-owner car insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 How to get non-owner auto insurance in New Hampshire Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy. To purchase a policy, follow these steps: Contact a car insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage In many cases, you’ll get proof of insurance almost immediately. For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote. “You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company. Here are some insurers with phone numbers to call for a non-owner insurance quote. State Farm: 800-782-8332 Geico: 800-207-7847 Progressive: 888-671-4405 Allstate: 800-726-6033. USAA: 800-531-8722 Methodology Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner car insurance cost in New Hampshire? Which insurer offers the cheapest non-owner insurance rates in New Hampshire? How much is non-owner car insurance in New Hampshire by age? Which New Hampshire cities have the cheapest non-owner auto insurance? How much is non-owner auto insurance in New Hampshire's 10 biggest cities? How non-owner insurance rates in New Hampshire compare to rates in other states How to get non-owner auto insurance in New Hampshire Get instant quotes now ! Please enter valid zip Get quote