Car Insurance Non-owner auto insurance in New Hampshire: Which company has the cheapest rates? The average cost in New Hampshire for a non-owner car insurance policy is $246 a year, but companies such as USAA and State Farm offer lower rates. Written by: Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | 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. | Updated on April 14, 2023 Why you should 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 editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner auto insurance in New Hampshire costs $246 a year, which is $107 lower than the rest of the nation on average, according to Insure.com’s 2023 rate analysis. In New Hampshire, non-owner policies are available from companies 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 auto insurance cost in New Hampshire? Insurers consider non-owner policyholders as less risky due to their limited access to a car, and therefore, it’s usually cheaper to buy non-owner insurance than full coverage car insurance. On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 annually for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. In New Hampshire, full coverage car insurance costs $1,266. On the other hand, non-owner auto insurance costs $353 a year on average in the United States and $246 in New Hampshire. But various factors affect individual rates, such as where in New Hampshire you live, your age and driving history and other factors. Which insurer offers the cheapest non-owner insurance rates in New Hampshire? With an average annual cost of $102, USAA’s non-owner insurance policy is New Hampshire’s most affordable. At $496 a year, Nationwide charges the highest rate for non-owner insurance in the state. You should compare quotes from multiple insurers to find the best price. The cheapest non-owner policies available in New Hampshire are listed below. 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? Age plays an important role in pricing because young people who haven’t been driving for a long time are seen as higher risk and are more likely to cause an accident. So older and more experienced drivers usually have lower rates. On average, non-owner insurance costs $605 a year for a 16-year-old and $249 for a 45-year-old in New Hampshire. Average non-owner auto insurance rates in New Hampshire by age and gender AgeMaleFemale16$615$59517$693$66118$600$57719$379$36920$347$34021$303$30122$288$29223$279$28024$270$27425$257$26230$248$25535$247$25540$246$25345$245$25250$245$24855$244$24860$235$23865$241$24170$256$25675$279$270 Which New Hampshire cities have the cheapest non-owner car insurance? Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates. The tables below display the cities in New Hampshire that have the least and most expensive non-owner auto insurance rates. The 20 New Hampshire cities with the lowest non-owner car insurance rates Cities in New HampshireLowest non-owner car insurance ratesLincoln$221Orford$221East Sandwich$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 auto 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 Beach$284Hampton$281Hudson$281Rye Beach$281East Kingston$280North Hampton$280 How much is non-owner car insurance in New Hampshire’s 10 biggest cities? The largest cities in New Hampshire have varying non-owner insurance rates. The cost of non-owner insurance in Manchester is the highest at $331. Lincoln has the least expensive prices of the state’s largest cities at $221. Non-owner auto rates in New Hampshire’s 10 largest cities 10 largest cities in New HampshireNon-owner car ratesManchester$331Derry$307Nashua$292Dover$264Rochester$263Concord$259Laconia$256Keene$237Lebanon$231Lincoln$221 How non-owner insurance rates in New Hampshire compare to rates in other states Non-owner auto insurance rates also differ from state to state. New Hampshire’s average non-owner insurance rate is $246 a year, lower than the $353 average nationally. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 a year. Iowa is the third most affordable at $193 annually. Non-owner car insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385Georgia$373National Average$353Pennsylvania$337California$323Ohio$230 How to get non-owner car insurance in New Hampshire Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy. To purchase a policy, follow these steps: Contact an auto 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 car insurance policy quote, you must call your insurer instead of visiting its website. “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 a few 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. Leslie KasperowiczManaging Editor  . .Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. 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... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... 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