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Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Updated Oct 21, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it! On This Page
New Hampshire is one of the only states that doesn't require car insurance. However, drivers in the Granite State may still want to consider investing in a policy to protect their finances in case of a covered event. To help you find the best car insurance in New Hampshire, we researched and reviewed some of the top providers. Based on our findings, some of the best New Hampshire auto insurance providers are USAA, State Farm and Geico. Key takeaways Car insurance is not a legal requirement in New Hampshire, but many insurance professionals still recommend that drivers purchase coverage. The average annual cost of car insurance in New Hampshire is $1,182 for full coverage and $324 for minimum coverage. Compare rates and save on auto insurance today! Get quotes Close X How Bankrate chose the best car insurance companies in New Hampshire
To find the best car insurance in New Hampshire, Bankrate's editorial team compared the biggest providers in the state by market share and reviewed them using our unique methodology. Each of the top carriers were given a Bankrate Score out of five points, which is based on factors like cost, customer service, third-party ratings, financial strength and claim handling. Using Bankrate Scores to guide your search for New Hampshire car insurance may be helpful as companies with high Bankrate Scores have scored well across the board, whereas companies with low Bankrate Scores fall short in at least one category, like affordability or customer service.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Based on our review process and rate data from Quadrant Information Services, the best car insurance companies in New Hampshire are USAA, Geico and State Farm. These providers are highly rated for overall customer satisfaction in and have excellent financial strength ratings from AM Best. In addition, the average rates for these three top providers are below or near the state-wide average rate, which is $1,182 per year for full coverage and $324 per year for minimum coverage. In the table below, you can see our results for the best auto insurance in New Hampshire. Car insurance company Bankrate score J.D. Power score (New England) Average annual full coverage premium Average annual minimum coverage premium * 4.9 884/1,000 $745 $216 4.7 838/1,000 $901 $274 4.7 827/1,000 $1,033 $308 4.4 N/A $867 $410 4.3 818/1,000 $1,117 $368 This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. *Not officially ranked with J.D. Power due to eligibility restrictions USAA
USAA received the highest J.D. Power score for customer satisfaction in New England, although it cannot officially rank due to eligibility restrictions. The company only sells policies to current and former members of the U.S. military and qualifying family members. However, drivers who are eligible may find USAA to be the best option for their needs as it has considerably low rates for full coverage and minimum coverage car insurance as well as several products tailored directly to military family needs. Plus, the company offers many potential discounts for additional savings such as for garaging your vehicle on base. Learn more: State Farm
State Farm earns above-average J.D. Power customer satisfaction scores in the New England region, which includes New Hampshire. It offers a wealth of discounts, including for safe driving. State Farm received an A++ (Superior) AM Best rating for financial strength, which is the highest rating an insurance provider can obtain. However, State Farm has limited add-on coverages compared to some of the other providers on our list, so it may not be the best option if you're looking to customize your policy. Learn more: Geico
Geico is among the in New Hampshire, plus there are more than a dozen discounts you can claim for further savings. It earns an above-average overall J.D. Power customer satisfaction rating and an A++ (Superior) rating for financial strength with AM Best, which shows that policyholders are likely to be satisfied with the company's ability to pay out claims based on its historical financial stability. However, Geico does not offer many add-ons, so you may want to opt for a different provider if you're looking for endorsements like gap coverage or accident forgiveness. Learn more: Nationwide
Nationwide may offer excellent auto insurance in New Hampshire for drivers who prioritize low rates. Nationwide has some of the cheapest average full coverage premiums in the Granite State. In addition, Nationwide has an excellent selection of endorsements, with potential add-ons like accident forgiveness, a disappearing deductible, gap insurance, and towing and labor coverage. There are also a variety of discounts available that may help you get a less expensive rate. Learn more: Progressive
Progressive is well known for its broad selection of discounts, so while it doesn't have the cheapest rates, you might be able to save a significant amount of money. There are potential savings for good students, safe drivers, vehicle safety features, paying in full, going paperless, owning a home and many others. Plus, that drivers who participate in Progressive's Snapshot safe driver program save an average of $156 a year. Progressive is rated below average by J.D. Power for overall customer satisfaction, but it does have an A+ (Excellent) rating for financial strength from AM Best, which may be a good indicator of its ability to pay claims. Learn more: Average car insurance cost in New Hampshire
The in New Hampshire is $1,182 per year for full coverage and $324 per year for minimum coverage. Compared to the national average, drivers in New Hampshire typically pay significantly less for car insurance. The national average premium is $1,771 for full coverage and $545 for minimum coverage. When compared to some neighboring states, however, New Hampshire car insurance premiums fall somewhere in the middle. For example, the average cost of car insurance in Massachusetts is $1,296 for full coverage, whereas the average full coverage premium in Vermont is only $1,000. One of the reasons why car insurance in New Hampshire may be less expensive than the national average is because of the relatively low population density in the state. On the other hand, a higher number of uninsured drivers in the state, as allowed by law, may contribute to rates that are higher than some other states. Average annual premium for minimum coverage in New Hampshire Average annual premium for full coverage in New Hampshire $324 $1,182
City and even ZIP code may play a part in determining your auto insurance rates. Where you live within the Granite State might cause your car insurance premium to increase or decrease from the state-wide average. In the table below, you can see the average full coverage and minimum coverage premiums in some of New Hampshire's more bigger cities: New Hampshire city Average annual premium for full coverage Average annual premium for minimum coverage Concord $1,101 $317 Derry $1,273 $380 Dover $1,139 $336 Keene $1,089 $298 Manchester $1,409 $415 Nashua $1,223 $361 Portsmouth $1,121 $329 Rochester $1,147 $336 How to find the best car insurance in New Hampshire
There are many insurance providers in New Hampshire to choose from. The for you may ultimately depend on your personal preferences and circumstances. The cheapest rates could also vary based on several personal like where you live, the kind of car you have, your driver record, and credit score. Consider minimum insurance requirements in New Hampshire
New Hampshire is one of the only states in the U.S. that does not legally require minimum car insurance coverage. However, drivers who don't purchase car insurance in must demonstrate that they can in the event of an at-fault accident. Consider lender requirements
If you lease or finance a car in New Hampshire, your lender will likely require you to carry full coverage car insurance including and coverage. When deciding , it's always a good idea to purchase higher policy limits for more financial protection if you cause an accident. Consider your individual needs
Every driver has unique car insurance needs, and it's important to consider your personal car insurance requirements when choosing coverage. For example, might purchase higher coverage limits to get increased protection if they have a history of accidents. Similarly, parents of new drivers might also raise their coverage limits while their teen practices behind the wheel. Similarly, your budget can also impact your car insurance needs. If you're looking for the premium, it's important to shop around and get multiple . You might also choose a higher deductible to get a lower monthly premium. Car insurance discounts in New Hampshire
Many of the cheapest car insurance companies in New Hampshire also offer discounts to help you save on your New Hampshire car insurance policy. Here are some of the common discounts you may see: Young driver discounts: Some car insurance companies offer special discounts for parents who add a young driver to their policy. Most often, this is in the form of a good student discount for teen drivers who get good grades in school. Safe driver discounts: Drivers who have no recent insurance claims, accidents or tickets on their record can usually qualify for a safe driver discount. There are also safe driver programs that use a to track your driving behavior during trips. Other discounts: Many insurance providers offer discounts to drivers for having specific safety features in their car like anti-lock brakes, airbags and an anti-theft system. You can also find savings for bundling your policies and insuring multiple vehicles. Each of the New Hampshire car insurance companies on our list offers a unique combination of discounts. The best discounts for you will likely vary based on individual characteristics, so it may be most helpful to speak with an insurance agent about which deals apply to you. Frequently asked questions
No, car insurance is not a legal requirement in New Hampshire. However, this does not mean you aren't financially responsible if you are deemed at-fault in an accident. If you don't purchase traditional car insurance in New Hampshire, you must demonstrate your ability to cover your financial responsibility in the event of an at-fault accident.
You don't need to have car insurance in order to register your car in New Hampshire. When you , you are only required to submit proof of residency and the title, and pay the fee.
No, it is not. In New Hampshire, you can make a claim with your insurance company (a first-party claim) or with the at-fault driver's insurance company (a third-party claim). To make a claim with the other company, you will have to prove that the other driver is at fault. In this case, the police report and your insurance company may help you in providing evidence. If more than one driver is at fault, the state will assign a percentage of fault to each driver who is partly responsible. As long as you are not at 50% or more at fault, you should be able to get compensation for the accident.
USAA and Nationwide are some of the for average full coverage rates, based on data provided by Quadrant Information Services. In New Hampshire, USAA and Nationwide's average annual premium for full coverage insurance are $745 and $867, respectively. However, note that the cheapest provider for you will likely vary based on individual characteristics. You may want to generate quotes from several providers to see which company offers you the lowest rate. Written by Elizabeth Rivelli Insurance Contributor Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions.