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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 premium
USAA$102
State Farm$122
Geico$163
Progressive$346
Nationwide$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

AgeMaleFemale
16$1,004$927
17$1,069$982
18$935$863
19$596$547
20$567$517
21$491$449
22$430$402
23$419$390
24$395$371
25$345$339
30$308$307
35$304$312
40$300$306
45$305$311
50$299$303
55$293$297
60$285$289
65$290$300
70$323$336
75$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 rates
Lincoln$221
Orford$221
Sandwich$221
Bethlehem$222
Campton$222
Center Tuftonboro$222
Groveton$222
Littleton$222
Mirror Lake$222
North Haverhill$222
North Sandwich$222
North Woodstock$222
Thornton$222
Twin Mountain$222
Warren$222
West Lebanon$222
Canaan$223
Center Ossipee$223
Grafton$223
Haverhill$223

The 20 New Hampshire cities with the highest non-owner car insurance rates

Cities in New HampshireHighest non-owner car insurance rates
Manchester$331
Windham$310
Derry$307
Salem$306
Auburn$298
Londonderry$298
Newton$296
East Hampstead$293
Atkinson$292
Nashua$292
Plaistow$290
Hampstead$288
Pelham$288
Kingston$286
Seabrook$284
Hampton$281
Hudson$281
Rye Beach$281
East Kingston$280
North 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 rates
Manchester$331
Derry$307
Nashua$292
Dover$264
Rochester$263
Portsmouth$260
Concord$259
Laconia$256
Keene$237
Lebanon$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 premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
National Average$380
Georgia$373
Pennsylvania$337
California$323
Ohio$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:

  1. Contact a car insurance agent about the coverage
  2. Supply your basic driving history
  3. Review the information you receive on the insurers and rates
  4. Choose the policy that best meets your needs
  5. 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.