AutoInsurance.com is supported by commissions from providers listed on our site. Read our Editorial Guidelines.
Find Your Perfect Policy:866-843-5386
Find Your Perfect Policy:866-843-5386
Last updated: April 17, 2025
Compare Cheap Auto Insurance in New Hampshire
GEICO and State Farm offer the cheapest average auto insurance rates for most drivers in New Hampshire, excluding those who are eligible for USAA.
Compare quotes from top providers
Share
Share
Car insurance in New Hampshire is affordable compared to the national average. Full coverage insurance in the state costs $1,412 annually on average, which is 41 percent less than the national average. Minimum coverage is similarly affordable at an average of $500 per year — 21 percent lower than the national average.
New Hampshire is the only state in the country that doesn’t legally require car insurance, but it does require drivers who forego insurance to prove financial responsibility. For most drivers, standard auto insurance will therefore be the most practical and affordable option.
Overview:
- Full coverage auto insurance in New Hampshire costs $1,412 per year on average, while minimum coverage costs an average of $500 per year.
- USAA and GEICO offer the cheapest full coverage rates in New Hampshire, while Hanover is the cheapest for minimum coverage.
- State Farm also tends to have cheaper-than-average rates for most categories.
Jump to:
- Cheapest full coverage auto insurance in New Hampshire: USAA ($840 annually) and GEICO ($1,274 annually)
- Cheapest minimum coverage: Hanover ($211 annually) and USAA ($303 annually)
- Cheapest with a teen driver: USAA ($2,359 annually) and GEICO ($3,055 annually)
- Cheapest with a speeding ticket: USAA ($888 annually) and State Farm ($1,311 annually)
- Cheapest with an at-fault accident: USAA ($1,192 annually) and State Farm ($1,517 annually)
- Cheapest with a DUI: USAA ($1,397 annually) and Progressive ($1,688 annually)
- Cheapest with low credit: USAA ($1,375 annually) and GEICO ($1,804 annually)
Cheapest Car Insurance in New Hampshire for Full Coverage: USAA and GEICO
The cheapest full coverage auto insurance in New Hampshire is offered by USAA at $840 per year but is only available to military members, veterans, and their families. GEICO offers the next-lowest rates for nonmilitary drivers at $1,274 per year, which is 9 percent less than the state average.
| Provider | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| USAA | $840 | $70 |
| GEICO | $1,274 | $106 |
| Nationwide | $1,281 | $112 |
| State Farm | $1,311 | $109 |
| Progressive | $1,459 | $122 |
| Hanover | $1,633 | $136 |
| Allstate | $2,229 | $186 |
| New Hampshire average | $1,412 | $118 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in New Hampshire for Minimum Coverage: Hanover
Hanover has the lowest rate for minimum coverage in New Hampshire, with an average annual premium of only $211, or less than $20 monthly. That’s 58 percent cheaper than the state average. USAA also has below-average rates for minimum coverage at $303 annually.
| Provider | Annual Minimum Coverage | Monthly Minimum Coverage |
|---|---|---|
| Hanover | $211 | $18 |
| USAA | $303 | $25 |
| GEICO | $500 | $42 |
| Progressive | $561 | $47 |
| State Farm | $583 | $49 |
| Nationwide | $719 | $60 |
| Allstate | $922 | $77 |
| New Hampshire average | $500 | $42 |
| National average | $635 | $53 |
Cheapest Car Insurance in New Hampshire for Teen Drivers: USAA and GEICO
New Hampshire teens who are eligible for USAA can get affordable rates from the company at $2,359 annually, on average. GEICO and State Farm also offer rates well below the state average, at $3,055 per year and $3,056 per year, respectively. Teen auto insurance is generally expensive at $5,317 per year on average in New Hampshire, but joining a family policy is a great way to save money on premiums.
| Provider | Annual With Teen Driver | Monthly With Teen Driver |
|---|---|---|
| USAA | $2,359 | $197 |
| GEICO | $3,055 | $255 |
| State Farm | $3,056 | $255 |
| Allstate | $3,980 | $332 |
| Nationwide | $4,645 | $387 |
| Progressive | $5,943 | $495 |
| Hanover | $9,521 | $793 |
| New Hampshire average | $5,317 | $443 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in New Hampshire With a Speeding Ticket: USAA and State Farm
USAA and State Farm offer the lowest rates for drivers with a speeding ticket in New Hampshire at $888 per year and $1,311 per year, respectively. Those rates are well below the state average of $1,709. In general, New Hampshire drivers with a speeding ticket can expect to pay 21 percent more for car insurance than those with clean records.
| Provider | Annual With Speeding Ticket | Monthly With Speeding Ticket |
|---|---|---|
| USAA | $888 | $74 |
| State Farm | $1,311 | $109 |
| GEICO | $1,495 | $125 |
| Progressive | $1,941 | $162 |
| Allstate | $2,364 | $197 |
| Hanover | $2,767 | $231 |
| New Hampshire average | $1,709 | $142 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in New Hampshire With an At-Fault Accident: USAA and State Farm
USAA and State Farm have the cheapest rates for drivers with an at-fault accident in New Hampshire. While USAA is only available to military-affiliated drivers, the insurance provider offers the lowest rates by far at $1,192 per year on average — 42 percent lower than the state average. State Farm’s average annual premium of $1,517 is 26 percent cheaper than the state average.
| Provider | Annual With At-Fault Accident | Monthly With At-Fault Accident |
|---|---|---|
| USAA | $1,192 | $99 |
| State Farm | $1,517 | $126 |
| GEICO | $2,015 | $168 |
| Progressive | $2,399 | $200 |
| Hanover | $2,557 | $213 |
| Allstate | $3,150 | $263 |
| New Hampshire average | $2,044 | $170 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in New Hampshire With a DUI: USAA and Progressive
USAA offers the lowest rates for military drivers with a DUI in New Hampshire at $1,397 per year on average. Nonmilitary drivers can find cheap rates from Progressive, with an average annual premium of $1,688 — 28 percent lower than the state average.
| Provider | Annual With DUI | Monthly With DUI |
|---|---|---|
| USAA | $1,397 | $116 |
| Progressive | $1,688 | $141 |
| State Farm | $2,097 | $175 |
| GEICO | $2,519 | $210 |
| Nationwide | $2,652 | $221 |
| Hanover | $2,658 | $222 |
| Allstate | $2,890 | $241 |
| New Hampshire average | $2,360 | $197 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in New Hampshire With Low Credit: USAA and GEICO
USAA also has the cheapest rates for New Hampshire drivers with low credit — as long as they’re eligible for membership — at $1,375 per year. GEICO follows with an average rate of $1,804 per year, which is 38 percent lower than the state average of $2,900.
| Provider | Annual With Low Credit | Monthly With Low Credit |
|---|---|---|
| USAA | $1,375 | $115 |
| GEICO | $1,804 | $150 |
| Progressive | $2,341 | $195 |
| Allstate | $2,814 | $235 |
| State Farm | $3,423 | $285 |
| Hanover | $7,243 | $604 |
| New Hampshire average | $2,900 | $242 |
| National average | $3,377 | $281 |
Best Claims and Customer Satisfaction in New Hampshire: State Farm
When it comes to customer service, State Farm has the strongest ratings out of the major insurers operating in New Hampshire, not including USAA. Customer satisfaction is an important metric to evaluate in addition to cost, as it can greatly impact your experience if you ever need to file a claim. Luckily, in New Hampshire, State Farm also tends to offer some of the cheapest rates.
| Provider | New England Customer Satisfaction (J.D. Power)1 | Claims Satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card Grade3 |
|---|---|---|---|
| USAA | 741 | 726 | D+ |
| State Farm | 664 | 710 | C- |
| Allstate | 646 | 691 | D |
| GEICO | 638 | 692 | C- |
| Progressive | 620 | 672 | C |
| Nationwide | N/A | 728 | C |
| Hanover | N/A | N/A | B- |
| Average | 637 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in New Hampshire
- Practice good driving habits: Having a violation on your record, such as a speeding ticket or DUI, will increase your auto insurance premiums. Insurers reward clean records with lower rates, so drive safely and never drink and drive, not only to avoid harm to yourself and others, but to save money, too.
- Lower your coverage: It’s important to make sure you have enough coverage to avoid significant financial harm in the event of an accident or other incident. But you may be able to lower your coverage limits or drop certain coverages if you feel comfortable doing so, as that lowers your premium as well. For example, 25/50/25 liability limits may not be sufficient, but 300/500/300 may be excessive. Each situation is different, so talk with an agent to determine the best coverage for your needs.
- Check for discounts: Insurance companies offer a variety of discounts, although availability and eligibility will vary. Look for discounts that you might qualify for, particularly multipolicy or multicar discounts, as well as teen-specific discounts such as good student discounts, if you need to add a young driver to your policy.
- Maintain strong credit: In New Hampshire, insurers are allowed to use your credit history to calculate a credit-based insurance score, which factors into your premium rate. Keeping your credit in good standing will help you get the best rates.
Average Auto Insurance Cost in New Hampshire by City
The rate you pay for car insurance can vary greatly depending on where you live, even within a state. Manchester has the most expensive car insurance rates in New Hampshire at $1,616 annually, on average. Meanwhile, Concord is a cheaper city, with average annual rates of $1,319.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Manchester | $1,616 | $135 |
| Nashua | $1,466 | $122 |
| Dover | $1,383 | $115 |
| Rochester | $1,377 | $115 |
| Concord | $1,319 | $110 |
| New Hampshire average | $1,412 | $118 |
Minimum Car Insurance Requirements in New Hampshire
Although by law, New Hampshire does not require drivers to carry auto insurance, those who do purchase car insurance must have at least the following coverages:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist bodily injury liability: $25,000 per person/$50,000 per accident
- Uninsured/underinsured motorist property damage liability: $25,000 per accident
- Medical payments coverage: $1,000
Despite not requiring auto insurance, New Hampshire actually has one of the lowest rates of uninsured drivers in the country.4 Although minimum coverage offers some financial protection, it’s wise to get higher limits and full coverage (unless you have an older car) for more robust protection.
GOOD TO KNOW:
Drivers who choose not to purchase auto insurance must prove that they can meet the state’s financial responsibility requirement, which is as follows: $25,000 in bodily injury liability per person and $50,000 per accident, and $25,000 in property damage liability per accident.
Frequently Asked Questions
Who has the cheapest car insurance in New Hampshire?
USAA offers the cheapest car insurance in New Hampshire, with an average annual rate of $840 for full coverage, but it’s only available to members of the military community. GEICO has the cheapest rates for nonmilitary drivers at $1,274 annually. Meanwhile, Hanover has the lowest rates for minimum coverage at $211 per year on average.
How much is car insurance per month in NH?
The average monthly cost of car insurance in NH is $118 for full coverage and $42 for minimum coverage. That’s 41 percent lower and 21 percent lower than the national average, respectively.
Who is cheaper, GEICO or Progressive?
In New Hampshire, GEICO tends to be cheaper for car insurance than Progressive, on average, for most driver profiles. The only exception is drivers with a DUI, who are more likely to find better rates from Progressive. Keep in mind that these rates are averages and your rates may differ, so it’s always best to get quotes from multiple companies.
What discounts are available for car insurance in New Hampshire?
There are many discounts available for car insurance in New Hampshire, though the exact selection of discounts will vary by insurer. Some of the best and most common include discounts for bundling (buying multiple policies from the same company), being a good driver, insuring multiple cars, having safety equipment installed in your vehicle (such as seat belts and airbags), and being a good student (available to young drivers only). Be sure you check what’s available from the companies you’re considering when you get quotes.
Methodology
We analyze average auto insurance premiums in New Hampshire for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Medical payments: $1,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, Jun 5).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyAuto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study2024 CRASH Network Insurer Report Card. CRASH Network. (2024).
https://www.crashnetwork.com/irc/Facts + Statistics: Uninsured motorists. Insurance Information Institute (III). (2023, Nov).
https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
Related Articles
Compare Cheap Auto Insurance in Massachusetts
March 21, 2025Best Car Insurance in New Hampshire
February 28, 2025Compare Cheap Auto Insurance in New Mexico
April 17, 2025