Best Car Insurance in New Hampshire

The Hanover is the cheapest car insurance company in New Hampshire. On top of affordable rates, it offers specialized coverage for homeowners and drivers with high-end properties/vehicles.

Cheapest Auto Insurance in New Hampshire

The Hanover offers the lowest average rate in New Hampshire, with rates as low as $857 annually for full coverage.

Several ways to save

You can bring your costs down even lower with The Hanover by taking advantage of the following discounts:

• Pay-in-full discount
• Good student discount
• Away-at-school student discount
• Accident prevention course discount
• Multi-car discount
• Anti-theft device discount

Prestige Coverage for Luxury Vehicles

The Hanover offers additional coverage for owners of luxury vehicles. With the prestige auto plan, you get the following perks:

• Lifetime original equipment manufacturer (OEM) parts: The Hanover ensures you’ll receive the brand name original equipment if you need a repair or replacement, including luxury and vintage vehicles, which are more expensive to insure.
• Prestige global rental: This coverage provides you with worldwide rental insurance and financial support for loss of use or loss of value on a rental.
• Prestige rental upgrade: If your car is in the shop due to a claim, you’ll get up to $6,000 in rental car coverage without a daily limit. This is a good option if you want a luxury rental while your car is out of commission.

State Farm is the largest provider in the country and the third-largest provider in New Hampshire. It offers affordable average rates and several ways to save for safe drivers in the state.

Safe-Driver Discounts

If you don’t have a history of accidents, DUIs, or moving violations, you should look into State Farm’s safe-driver discounts. Here are a few options you can choose from in New Hampshire:

• Accident-free discount: If you go three years without an accident, you’ll be eligible for a discount.
• Drive Safe & Save: If you demonstrate safe driving habits through State Farm’s safety tracking program, Drive Safe & Save, you can earn up to 30 percent on your car insurance.
• Passive restraint discount: If you own a 1993 or older vehicle and have a factory-installed air bag or other restraint systems, you may qualify for this discount.
• Vehicle safety discount: Specific 1994 model year or newer vehicles — makes and models with a safe claim history and low average repair costs — may be eligible for a 40 percent discount.

Discounts for Teens

State Farm offers two major discounts designed for teens: a usage-based discount and a good student discount.

• If you’re under 25 years old and have a B average or higher, you may be eligible for a student discount.
• Also for drivers under the age of 25, Steer Clear is a training program that involves logging 10 driving hours, completing online quizzes, and participating in learning modules. You can earn up to 20 percent off your car insurance by completing Steer Clear.

Affordable Full Coverage

According to data from the National Center of Environmental Information, New Hampshire sees the second-most snowfall in the nation (behind Alaska).⁴ Although New Hampshire is generally a safe state to drive in, it does see a significant uptick in accidents due to icy and snowy roads in the winter.⁵

You’ll need comprehensive coverage to stay protected from weather-related crashes and other non-collision accidents. State Farm offers comprehensive and collision coverage, protecting your vehicle from collisions with other vehicles and damage due to weather conditions, animal collisions, theft, and more.

AARP has been offering auto insurance to its members since the 1980s, and it’s since become one of the most popular auto insurance options for seniors and older Americans. Although anyone can sign up with AARP for a limited benefits membership, you must be over 50 to get the full benefits and auto insurance program through The Hartford.

AARP Membership Perks

On top of having coverage from one of America’s largest auto insurance providers, AARP memberships come with several discounts and perks. You can benefit from the following discounts with an AARP membership:

• Up to 30 percent off select car rentals
• $20 off a Zipcar annual membership
• 15 percent off oil changes
• Access to TrueCard, a car-buying tool to help you shop for new cars
• Discounts for specialized insurance, like golf cart or RV insurance

RecoverCare Assistance Program

AARP members can sign up for RecoverCare coverage, which is an insurance add-on that offers assistance if you’re ever hurt in an accident. RecoverCare Essential Services Coverage will provide you with $2,500 in reimbursements for household services if you’re injured and cannot perform them yourself.

That money can go toward:

• House cleaning
• Lawn maintenance
• Snow removal
• Transportation services
• Food preparation
• Dog walking

24/7 Roadside Assistance

The AARP’s 24/7 roadside assistance coverage is backed by Allstate. You can sign up for coverage starting at about $6 a month, which comes with the following roadside emergency services:

• Towing
• Flat-tire change
• Fuel for an empty tank
• Lockout services
• Dead battery jumps

Allstate is one of the largest providers in New Hampshire. It offers excellent coverage options, like windshield protection and a tiered roadside service, as well as big auto insurance savings for homeowners.

Home Bundling Discount

Allstate’s home and auto bundling discount is the largest on our list and one of the largest in the industry. You can save up to 25 percent on your car insurance when you bundle auto and home with Allstate.

You can also save by bundling:

• Auto + renters
• Auto + motorcycle
• Auto + auto

Several Coverage Add-ons

On top of full coverage options and uninsured motorist coverage, Allstate offers several add-ons that will be of use to New Hampshirites, especially in the winter months. Whether you want extra windshield protection from sleet, snow, and hail or 24/7 emergency service so you don’t get caught in a storm, Allstate has you covered.

Here are a few add-ons you can sign up for:

• 24/7 roadside assistance
• Windshield and glass coverage
• Rental reimbursement plan
• Mexico coverage
• Personal umbrella policy

More Coverage for More Vehicles

Want to cover your boat or snowmobile? Allstate offers several coverage options for different vehicle types, including:

• RVs
• Boats
• Motorcycles
• Classic cars
• ATVs
• Snowmobiles
• Golf carts
• Dune buggies
• Dirt bikes

Progressive insures nearly 18 percent of all drivers in New Hampshire, making it the state’s largest car insurance company. On top of that, it also provides the cheapest average rate in New Hampshire after a DUI ($1,391 annually).

Cheapest Rate After a DUI

Although New Hampshire is one of the safest states to drive in, it has the highest alcohol consumption rate per capita.⁸ If you have a DUI on your record and are seeking affordable insurance, Progressive will have the best average rates:

Sizable Discount Opportunities

Whether or not you have a DUI on your record, you can earn some significant savings with Progressive’s many discounts. Here are a few ways to save with Progressive.

Custom Parts and Equipment Coverage

If you own a classic car or vehicle you’ve made significant aftermarket changes to, like a custom sound system, you can get additional coverage. Progressive offers $5,000 in coverage for your custom parts and accessories.