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Best car insurance in New Hampshire for 2024
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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.
Best car insurance companies in New Hampshire
To find the best car insurance companies in New Hampshire, our editorial team analyzed rate data from Quadrant Information Services. However, we know price isn't the only factor at stake for many drivers. We also looked at third-party scores issued in the J.D. Power 2024 U.S. Auto Insurance Study, financial strength ratings from AM Best and coverage options for Granite State drivers.
After analyzing dozens of carriers, we found that the best car insurance companies in New Hampshire include Geico, USAA, State Farm, Progressive and Nationwide. When reviewing the table below, you may want to use the average rates in New Hampshire as a benchmark: $1,753 per year for full coverage and $486 per year for minimum coverage.
|
|
|
|
---|---|---|---|
4.4
|
$1,324
|
$368
|
|
4.4
|
$4,061
|
$926
|
|
4.3
|
$2,333
|
$718
|
|
4.2
|
$1,092
|
$307
|
|
4.0
|
$1,105
|
$615
|
Geico
4.4
4.4
Avg. full coverage premium
$110/mo
Avg. full coverage premium
$1,324/yr
Customer satisfaction
638/1,000
-
Why Geico made our list: Geico received a high Bankrate score and tied for our 2024 Bankrate Award for Best Auto Insurance Company Overall. It also tied for the 2024 Best Budget Auto Insurance Company. Geico has a long list of potential discounts that may help bring down its relatively low average base rates as well, including but not limited to defensive driving for seniors, new car and government employee discounts. Geico offers fairly standard coverage options, with just a handful of endorsements available, and is available in all 50 states and the District of Columbia.
Progressive
4.4
4.4
Avg. full coverage premium
$338/mo
Avg. full coverage premium
$4,061/yr
Customer satisfaction
620/1,000
-
Why Progressive made our list: Insurance can be intimidating, but Progressive’s Name Your Price tool might be an easy way to find a policy that meets your needs (and your budget). Shoppers simply need to input the monthly price they’d like to pay for coverage, and Progressive will present packages that are close to your budget. The company also offers a mobile app and online policy portal that allows policyholders to request ID cards (and, in the case of the mobile app, carry digital ID cards), make changes to their policy and much more.
State Farm
4.3
4.3
Avg. full coverage premium
$194/mo
Avg. full coverage premium
$2,333/yr
Customer satisfaction
664/1,000
-
Why State Farm made our list: As the largest car insurance company by market share, State Farm has plenty of local agents across New Hampshire ready to assist you with your policy needs. The company scored very well for customer satisfaction in this region in the 2024 J.D. Power Auto Insurance Study. State Farm also offers a host of potential discounts to aim for, as well as a telematics program. Its endorsements may be fewer than some competitors, but options like emergency roadside services, ridesharing, car rental, travel expenses and more are available.
USAA
4.2
4.2
Avg. full coverage premium
$91/mo
Avg. full coverage premium
$1,092/yr
Customer satisfaction
741/1,000
-
Why USAA made our list: To purchase a USAA car insurance policy, you must be active-duty military, retired military or an eligible family member. However, those who qualify might enjoy unique military-focused perks and benefits not found with other carriers. First of all, USAA’s average rates in New Hampshire are far below the state average. The company also offers deployment discounts for active-duty military, with further savings for those who put their vehicle into storage while away. Additionally, the USAA Perks program gives exclusive savings opportunities on a wide range of products and services related to travel, home and car repair, meal kits and more.
Nationwide
4
4
Avg. full coverage premium
$92/mo
Avg. full coverage premium
$1,105/yr
Customer satisfaction
Not rated
-
Why Nationwide made our list: Nationwide offers not one but two different telematics programs: SmartRide and SmartMiles. SmartRide is a traditional telematics discount that may save drivers money based on driving habits with a discount of 10 percent just for signing up. Once the company has had time to track your driving habits, you could save up to 40 percent more. As an added perk, less-than-stellar driving will not cause a premium increase. SmartMiles, on the other hand, is pay-per-mile insurance that customizes your monthly premium based on the number of miles you drive.
How Bankrate chose the best car insurance companies in New Hampshire
In our quest to identify the best car insurance in New Hampshire, Bankrate's approach involved a meticulous evaluation of the providers in the state. This assessment was conducted through our distinct methodology, which includes assigning a Bankrate Score on a five-point scale. The Bankrate Score is a comprehensive metric that encompasses several critical factors such as average cost, the efficiency of customer service, the availability and utility of digital tools, the financial strength of the company, the breadth of coverage options and the effectiveness of claim handling processes.
This scoring system could be beneficial for consumers seeking car insurance in New Hampshire, as it offers a clear and concise overview of each insurer's strengths and areas for improvement. A high Bankrate Score indicates that a company excels in various aspects important to policyholders, from affordability to service quality. Conversely, a lower score might suggest that the insurer may not meet expectations in one or more of these crucial areas. Thus, the Bankrate Score can serve as a valuable guide for shoppers, hopefully aiding them in making informed and balanced decisions when selecting an insurance provider.
Why you can trust Bankrate
Read our full methodologyTo help New Hampshire drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in New Hampshire
Finding the best auto insurance in New Hampshire hinges on a variety of personal factors and preferences. The affordability of premiums can be influenced by several individual aspects, such as your residential location, age, the type of vehicle you own, your driving history and your credit score. It's important to consider these variables carefully, as they can play a significant role in determining the best car insurance policy that aligns with your specific needs and circumstances in New Hampshire.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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.
How much is car insurance in New Hampshire?
The average cost of car insurance in New Hampshire is $1,753 per year for full coverage and $486 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 $2,388 for full coverage and $664 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 also $1,828 for full coverage, whereas the average full coverage premium in Vermont is only $1,361.
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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Lyndeborough | $1,689 | -4% |
Manchester | $2,022 | +14% |
Durham | $1,725 | -2% |
Effingham | $1,745 | -0% |
Ashland | $1,715 | -2% |
Nashua | $1,831 | +4% |
Charlestown | $1,672 | -5% |
Concord | $1,673 | -5% |
Enfield Center | $1,671 | -5% |
Hancock | $1,679 | -4% |
Wilmot | $1,675 | -5% |
Hillsborough | $1,717 | -2% |
Contoocook | $1,652 | -6% |
Newfields | $1,702 | -3% |
Mont Vernon | $1,714 | -2% |
Troy | $1,680 | -4% |
Lebanon | $1,664 | -5% |
Plainfield | $1,668 | -5% |
Plaistow | $1,907 | +8% |
Suncook | $1,691 | -4% |
Holderness | $1,721 | -2% |
Enfield | $1,662 | -5% |
Center Tuftonboro | $1,733 | -1% |
North Sandwich | $1,726 | -2% |
Nottingham | $1,739 | -1% |
Keene | $1,627 | -7% |
Brookline | $1,725 | -2% |
Antrim | $1,708 | -3% |
Lyme Center | $1,709 | -3% |
West Peterborough | $1,698 | -3% |
Stratham | $1,695 | -3% |
Epsom | $1,794 | +2% |
Lempster | $1,686 | -4% |
Sanbornville | $1,762 | +1% |
Hudson | $1,851 | +5% |
Belmont | $1,696 | -3% |
Berlin | $1,716 | -2% |
North Sutton | $1,698 | -3% |
Winchester | $1,691 | -4% |
Lisbon | $1,721 | -2% |
Meriden | $1,663 | -5% |
Chocorua | $1,729 | -1% |
Bartlett | $1,712 | -2% |
Franconia | $1,719 | -2% |
Thornton | $1,712 | -2% |
Canaan | $1,724 | -2% |
Greenland | $1,681 | -4% |
Center Barnstead | $1,743 | -1% |
Hebron | $1,709 | -3% |
Sanbornton | $1,696 | -3% |
Gilsum | $1,625 | -8% |
Francestown | $1,702 | -3% |
Newbury | $1,691 | -4% |
Portsmouth | $1,659 | -5% |
Wolfeboro | $1,743 | -1% |
Greenville | $1,699 | -3% |
Marlborough | $1,650 | -6% |
Intervale | $1,720 | -2% |
Franklin | $1,688 | -4% |
North Conway | $1,726 | -2% |
Orford | $1,715 | -2% |
Colebrook | $1,734 | -1% |
Melvin Village | $1,731 | -1% |
North Hampton | $1,713 | -2% |
Salisbury | $1,687 | -4% |
Bow | $1,715 | -2% |
Milton | $1,709 | -3% |
Bethlehem | $1,716 | -2% |
Dover | $1,698 | -3% |
Madison | $1,725 | -2% |
Gorham | $1,715 | -2% |
Haverhill | $1,709 | -3% |
Greenfield | $1,686 | -4% |
Jaffrey | $1,691 | -4% |
Hampton Falls | $1,718 | -2% |
Tamworth | $1,715 | -2% |
Sunapee | $1,674 | -5% |
Danbury | $1,695 | -3% |
Lancaster | $1,734 | -1% |
New Ipswich | $1,717 | -2% |
Tilton | $1,698 | -3% |
Laconia | $1,725 | -2% |
Union | $1,732 | -1% |
Temple | $1,714 | -2% |
Bedford | $1,817 | +4% |
Acworth | $1,693 | -3% |
Cornish Flat | $1,671 | -5% |
Rochester | $1,714 | -2% |
Windham | $1,912 | +9% |
Chichester | $1,754 | +0% |
Woodsville | $1,715 | -2% |
New Hampton | $1,674 | -5% |
Center Conway | $1,730 | -1% |
Barrington | $1,726 | -2% |
West Chesterfield | $1,665 | -5% |
Hampstead | $1,893 | +8% |
East Wakefield | $1,762 | +0% |
Rollinsford | $1,699 | -3% |
South Newbury | $1,703 | -3% |
Claremont | $1,654 | -6% |
East Candia | $1,781 | +2% |
North Stratford | $1,732 | -1% |
Randolph | $1,721 | -2% |
Marlow | $1,686 | -4% |
Drewsville | $1,675 | -5% |
Derry | $1,875 | +7% |
Peterborough | $1,687 | -4% |
North Haverhill | $1,713 | -2% |
Sullivan | $1,652 | -6% |
Mirror Lake | $1,726 | -2% |
South Tamworth | $1,724 | -2% |
Moultonborough | $1,734 | -1% |
Wolfeboro Falls | $1,735 | -1% |
North Woodstock | $1,713 | -2% |
Gilmanton | $1,751 | -0% |
Walpole | $1,670 | -5% |
Alton | $1,718 | -2% |
Lee | $1,679 | -4% |
Alton Bay | $1,717 | -2% |
Silver Lake | $1,721 | -2% |
Stoddard | $1,679 | -4% |
Pike | $1,711 | -2% |
Goshen | $1,691 | -4% |
Gilford | $1,721 | -2% |
Newton Junction | $1,886 | +7% |
Lochmere | $1,699 | -3% |
East Derry | $1,823 | +4% |
Errol | $1,745 | -0% |
Bath | $1,720 | -2% |
Grafton | $1,740 | -1% |
Springfield | $1,662 | -5% |
Strafford | $1,762 | +0% |
Fremont | $1,769 | +1% |
Henniker | $1,722 | -2% |
New Boston | $1,775 | +1% |
North Salem | $1,846 | +5% |
Chesterfield | $1,673 | -5% |
West Ossipee | $1,736 | -1% |
Litchfield | $1,793 | +2% |
Pittsfield | $1,771 | +1% |
Hooksett | $1,828 | +4% |
Weare | $1,786 | +2% |
Rindge | $1,705 | -3% |
Grantham | $1,664 | -5% |
Rumney | $1,729 | -1% |
Pittsburg | $1,733 | -1% |
Conway | $1,718 | -2% |
Center Sandwich | $1,725 | -2% |
Sandown | $1,806 | +3% |
Newport | $1,650 | -6% |
Bristol | $1,734 | -1% |
Bretton Woods | $1,728 | -1% |
Guild | $1,655 | -6% |
Ossipee | $1,748 | -0% |
Milan | $1,734 | -1% |
Londonderry | $1,833 | +4% |
Seabrook | $1,841 | +5% |
Raymond | $1,774 | +1% |
Spofford | $1,688 | -4% |
Glen | $1,720 | -2% |
East Hampstead | $1,926 | +9% |
New Castle | $1,659 | -6% |
Goffstown | $1,834 | +5% |
Cornish | $1,668 | -5% |
Epping | $1,750 | -0% |
Pelham | $1,912 | +9% |
Wonalancet | $1,730 | -1% |
Meredith | $1,672 | -5% |
Wentworth | $1,717 | -2% |
Piermont | $1,707 | -3% |
Wilton | $1,680 | -4% |
Groveton | $1,734 | -1% |
Center Harbor | $1,667 | -5% |
Twin Mountain | $1,727 | -2% |
Milton Mills | $1,733 | -1% |
South Sutton | $1,703 | -3% |
Westmoreland | $1,656 | -6% |
Amherst | $1,790 | +2% |
New London | $1,677 | -4% |
Harrisville | $1,647 | -6% |
Whitefield | $1,722 | -2% |
West Lebanon | $1,663 | -5% |
Lyme | $1,716 | -2% |
Center Strafford | $1,703 | -3% |
East Kingston | $1,845 | +5% |
Ashuelot | $1,695 | -3% |
Georges Mills | $1,670 | -5% |
Kearsarge | $1,728 | -1% |
Barnstead | $1,747 | -0% |
Bennington | $1,706 | -3% |
Littleton | $1,722 | -2% |
Exeter | $1,711 | -2% |
Jackson | $1,719 | -2% |
Andover | $1,677 | -4% |
Newmarket | $1,672 | -5% |
Rye | $1,682 | -4% |
South Acworth | $1,675 | -5% |
Sugar Hill | $1,725 | -2% |
Newton | $1,913 | +9% |
Campton | $1,722 | -2% |
Glencliff | $1,724 | -2% |
Canterbury | $1,713 | -2% |
Fitzwilliam | $1,698 | -3% |
Hill | $1,686 | -4% |
Center Ossipee | $1,744 | -0% |
Hampton | $1,716 | -2% |
Nelson | $1,670 | -5% |
Danville | $1,788 | +2% |
Farmington | $1,769 | +1% |
New Durham | $1,720 | -2% |
West Nottingham | $1,755 | +0% |
Chester | $1,766 | +1% |
Hollis | $1,782 | +2% |
Warner | $1,693 | -3% |
Rye Beach | $1,693 | -3% |
Etna | $1,653 | -6% |
Alstead | $1,682 | -4% |
Stinson Lake | $1,693 | -3% |
Jefferson | $1,727 | -2% |
Auburn | $1,816 | +4% |
Dunbarton | $1,795 | +2% |
Waterville Valley | $1,720 | -2% |
Hinsdale | $1,690 | -4% |
Candia | $1,777 | +1% |
East Andover | $1,703 | -3% |
Eaton Center | $1,730 | -1% |
Milford | $1,756 | +0% |
Salem | $1,902 | +8% |
Elkins | $1,702 | -3% |
Northwood | $1,805 | +3% |
Monroe | $1,720 | -2% |
Deerfield | $1,795 | +2% |
Warren | $1,719 | -2% |
Loudon | $1,710 | -2% |
Hanover | $1,657 | -6% |
Atkinson | $1,908 | +8% |
Madbury | $1,690 | -4% |
Somersworth | $1,694 | -3% |
Bradford | $1,696 | -3% |
Washington | $1,682 | -4% |
Lincoln | $1,711 | -2% |
Dublin | $1,657 | -6% |
Freedom | $1,728 | -1% |
Kingston | $1,929 | +10% |
Plymouth | $1,712 | -2% |
Gilmanton Iron Works | $1,721 | -2% |
Merrimack | $1,779 | +1% |
Swanzey | $1,624 | -8% |
North Walpole | $1,680 | -4% |
Winnisquam | $1,700 | -3% |
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze October 2024 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 for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500These are sample rates and should only be used for comparative purposes.