Best car insurance in New Hampshire for 2023

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for 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 2021 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.

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

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.

While there are no signs that a change in New Hampshire car insurance laws are to come, that doesn’t mean that car insurance may not be mandatory in the future. However, even if car insurance isn’t legally required in New Hampshire, you may want to consider purchasing a policy anyways. The price of a robust insurance policy might outweigh the financial devastation that an uninsured accident might bring.

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 percent or more at fault, you should be able to get compensation for the accident.

Amica, USAA and State Farm are some of the cheapest car insurance companies in New Hampshire for average full coverage rates, based on data provided by Quadrant Information Services. 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.