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Cheapest car insurance in New Hampshire for 2023

Updated Mar 13, 2023
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From the Atlantic Ocean to Lake Winnipesaukee, from Hampton Beach State Park to White Mountain National Forest, New Hampshire offers some of the most stunning vistas in the country. With so much scenery to admire, it is no wonder the 1.2 million licensed drivers are eager to cruise the 16,000 miles of roads in the Granite State.

The cheapest car insurance in New Hampshire

New Hampshire is the only state in the country that does not require car insurance for its residents. However, most residents likely still buy a policy to satisfy the state’s financial responsibility law.

If you are in the market for the cheapest auto insurance in New Hampshire, Bankrate’s insurance editorial team has done research that could make your search easier. We have obtained average premium information from Quadrant Information Services for the largest car insurance companies by market share. If you are looking for the cheapest car insurance in New Hampshire, the following companies might be a good place to start:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $186 $681
Amica $250 $1,063
State Farm $287 $958
Geico $359 $1,093
Allstate $526 $2,012
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Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. 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.


USAA provides various insurance products to military members, veterans and their families. If you qualify for coverage, you may have access to average premiums that are far below New Hampshire’s average. In addition to low average premiums, USAA features an abundance of discounts for drivers, including good student, safe driving, driver training and customer loyalty. Although the company is not eligible for official ranking with J.D. Power due to its eligibility restrictions, USAA received the highest score in the New England region in the 2020 U.S. Auto Insurance Study, which is based on customer satisfaction in five key areas of interaction, including billing, claims and price.

Learn more: USAA Insurance review


Amica received the highest official score in New England from J.D. Power. If you are looking for cheap coverage with highly-rated customer service, but do not qualify for USAA, Amica may be a great option. The company offers numerous coverage options, like roadside assistance, rental reimbursement, accident forgiveness and loan/lease payoff coverage. You might also save money with the company’s numerous discounts, like the homeownership discount, accident-free discount and multi-policy discount. Amica also uniquely offers dividend policies, which may pay you back a portion of your premium each year.

Learn more: Amica Insurance review

State Farm

As the largest car insurance company in the country, with over 16% of the market share, State Farm may be the most recognizable name on our list. If you are looking for a company that offers individualized service, State Farm could be a good choice. The company has agents across New Hampshire who may be able to help with your needs. State Farm also offers two safe driving programs, Drive Safe and Save for adults and Steer Clear for drivers under 25. Both programs might help you save money while improving your driving habits.

Learn more: State Farm Insurance review


Geico’s premiums are not the lowest on our list, but the company offers one of the longest lists of discounts in the industry. You may save by having certain vehicle safety features, being a member of the military, being a federal employee, wearing your seatbelt or being a member of an affiliated organization. If you are looking for a company with strong digital tools, Geico might be a good choice. The company’s mobile app is highly rated on both the App Store and Google Play and gives you the ability to manage your policy from your phone.

Learn more: Geico Insurance review


Allstate’s average premiums may be higher than the state’s average, but the company might still be a good choice if you are looking for a highly customizable policy. With Allstate, you can add coverages like sound system equipment protection, ridesharing coverage, roadside assistance and rental reimbursement. You may be able to lower your premium with the company’s discounts, including the Drivewise telematics program. Other discounts include vehicle safety features, new car and paid in full, among others.

Learn more: Allstate Insurance review

Minimum coverage requirements for New Hampshire drivers

New Hampshire technically does not require a driver to carry auto insurance. However, you must still show proof that you are financially able to pay for the damages you could cause in an at-fault accident. Car insurance is likely one of the easiest ways to satisfy the New Hampshire laws. If you do choose to purchase car insurance, the lowest limits you can buy are:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage

Although it may be tempting to forgo coverage to save money, most insurance professionals would advise that you purchase a policy unless you have the finances to pay for any damages that you could cause out of pocket. The costs associated with an at-fault accident can grow rapidly and can cause significant financial stress. Even if you purchase insurance, most agents recommend that you buy coverage in excess of the state minimum limits.

Purchasing full coverage insurance adds another layer of protection because it provides coverage for the damages to your own vehicle. If you have a loan or lease, you will likely be required to purchase full coverage. Financial institutions may impose their own minimum liability limits or other restrictions, such as a cap on how high your deductible can be.

How to get cheap car insurance in New Hampshire

Finding a cheap car insurance policy in New Hampshire is relatively easy. The state’s average premiums are far lower than the national average, and there may be ways to save even more.

First, you might want to start by getting quotes from several different carriers . Comparing the prices, coverage options, discounts, policy features and third-party rankings can be helpful. Third-party rankings, like those from J.D. Power and AM Best, might help you find a company that is both highly-rated for customer service and financially stable.

Another way to save is to take advantage of the discounts you qualify for. Discounts are often not added automatically to a policy; if you believe you qualify for a discount, you may need to specifically request that it be added. Every company offers its own set of discounts. You may be able to review these online, but you can also talk to a representative or agent to see what savings you qualify for.

An improved credit score is another tactic for obtaining the cheapest car insurance in New Hampshire. Generally the higher 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 have full coverage, you might consider increasing your deductibles. You have two deductibles on a full coverage policy, one for comprehensive and one for collision. Your collision deductible will generally have more of an impact on your premium. Because a higher deductible means you will pay more if you file a claim for damage for your car, you generally pay lower rates. If you do increase your deductible, make sure you have the money to cover the out-of-pocket costs if you file a claim.

Frequently asked questions


Bankrate utilizes Quadrant Information Services to analyze 2021 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 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.


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Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.