Cheapest car insurance in New Hampshire 2021


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Living in New Hampshire means being surrounded by natural beauty from the ocean and lakes, to mountains and rivers. With so much scenery to admire, it’s no wonder the 1.2 million licensed drivers are eager to cruise the 16,000 miles of roads in the Granite State.

The good news is, you can drive the roads exploring while paying the cheapest car insurance in New Hampshire. You simply need to compare various carriers while maximizing discounts and other opportunities to lower your rates. The average cost of car insurance in New Hampshire is $321 annually for minimum coverage, while full coverage averages $1,099, proving affordable auto insurance is possible to find in New Hampshire.

The cheapest car insurance in New Hampshire

Here is a snapshot of the cheapest auto insurance premiums in New Hampshire, from minimum to full coverage options.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $188 $696
Amica Mutual $217 $999
State Farm $281 $928
Allstate Insurance $303 $1,312
Geico $332 $1,052


USAA provides lower prices for military members, veterans and their families. USAA features an abundance of discounts for drivers, including good student, safe driving, driver training and customer loyalty. Plus, the longer you serve in the military, you receive additional discounts based on years of service.

Amica Mutual

Amica Mutual offers a wide variety of discounts, including bundling with your renters or homeowners policy for up to 30% of premium savings. In addition, because Amica is a mutual company — the oldest mutual auto insurer in the U.S. — which means the policyholders are the owners of the company and can receive a portion of the profits each year.

State Farm

State Farm offers a variety of ways to save on a policy, including access to a long list of discounts. Discounts include everything from bundling and multi-car, to making good grades and leaving your car at home while away at school. You can see which discounts you are eligible for via the app, website, customer service or working with an agent.


Allstate gives you access to numerous discounts, including methods to save that do not require much action. Discounts such as setting up auto-pay for your premiums or renewing your policy seven days before it expires are easy ways to save with Allstate.


Geico offers drivers multiple ways to save with discounts ranging from customer loyalty to club affiliation. The typical bundling and multi-car discounts are available, but other discounts for military and federal employees are available. Plus, if you belong to one of Geico’s 500+ approved organizations or groups, you are eligible for additional discounts.

Affordable coverage for New Hampshire drivers

The minimum coverage required in New Hampshire is different than every other state. New Hampshire technically does not require a driver to carry auto insurance. However, the major caveat to this is if you choose not to, you must show proof of financial responsibility to pay for damages if an accident is deemed your fault.

While this may be a tempting proposition to save, not having the protections and benefits of auto insurance is a potential financial disaster. By choosing coverage, you are protecting yourself in case of a lawsuit (whether an accident is deemed your fault or not). There are numerous other optional benefits, including coverage if the other driver does not have insurance and car rental reimbursement – adding both financial protection and peace of mind.

How to get cheap car insurance in New Hampshire

If you want to get as much possible out of an auto insurance policy and you want the cheapest auto insurance in New Hampshire, there are several ways to achieve this.

First, start by shopping around for carriers. Compare both the rate quotes and the coverage options in the quotes. Some quotes will come back for less simply because there are benefits stripped from the offer.

Not all providers are the same either. In addition to rates, make sure you consider customer service ratings, the financial stability of the provider and the digital assets available for policy management. While these factors may not save you money per se, they can save your valuable time if you need to file a claim or an issue needs addressing.

You should also take advantage of every discount available and understand every discount offered by the carrier. Some discounts are not as well-known, such as affiliation with a specific alumni group or a professional discount. It’s worth asking which discounts are available.

An improved credit score is another tactic for obtaining the cheapest car insurance in New Hampshire. The higher and stronger your credit score, the lower your rates. Paying your bills on time and keeping your credit utilization low are two of the many methods for lowering your credit score.

Lastly, if you increase your deductible – the amount you are responsible for if you have a claim – then your rate decreases. If you do increase your deductible, make sure you have the money in savings to cover the out-of-pocket costs.

Frequently asked questions

What is the best car insurance in New Hampshire?

Defining the best car insurance in New Hampshire involves many factors, including the carrier’s financial stability, the customer service marks and competitive rates offered. Based on these factors, Allstate is the best auto insurance for drivers in New Hampshire. Even though the rates average higher, the customer service ratings and coverage options make Allstate an excellent choice for drivers.

What is the average cost of car insurance in the U.S.?

The average cost of car insurance in the U.S. is $563 per year for minimum coverage, and $1,738 for full coverage. Based on this, New Hampshire is one of the least expensive places in the country to obtain auto insurance.

When is proof of insurance required in New Hampshire?

There are several instances where you must show proof of insurance (referred to as an SR-22) in New Hampshire, even with the lack of auto insurance requirements from the state. The circumstances are if you have been convicted of a DWI, leaving the scene of an accident, and two or more offenses of reckless driving, among others.


Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning 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 coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.