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The average annual cost of full coverage car insurance in New Hampshire is $1,275 per year, according to Bankrate’s study of quoted annual premiums.
In addition to low rates, the state of New Hampshire is home to several top insurance providers. USAA, Geico, State Farm, Amica and Progressive are among the best car insurance companies in New Hampshire based on Bankrate’s extensive research.

Best car insurance companies in New Hampshire

Bankrate analyzed various factors to find the best car insurance companies in New Hampshire. We created an individualized Bankrate Score for each company, scored out of 5.0 possible points, which encompasses third-party financial strength scores from AM Best, Standard & Poor’s (S&P) and Moody’s, and customer satisfaction ratings from J.D. Power. To create the Bankrate Score, our team also considered each company’s average premiums —  provided by Quadrant Information Services — available discounts, total National Association of Insurance Commissioners (NAIC) complaints and digital features to give you a holistic view of each provider.

New Hampshire’s top car insurance companies’ Bankrate Scores, average annual full coverage premiums and customer satisfaction scores are compiled in the table below.

Car insurance company Bankrate Score Average annual full coverage premium J.D. Power customer satisfaction score (New England region)
USAA* 5.0 $1,176 887/1,000
Geico 4.7 $1,052 841/1,000
State Farm 4.7 $1,453 855/1,000
Amica 4.4 $1,420 867/1,000
Progressive 4.4 $2,351 840/1,000

*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 the company only selling policies to members of the U.S. military, veterans and qualifying family members. USAA has one of the lowest rates for full coverage car insurance among the best car insurance companies. The main drawback is the company’s limited market, although it makes a great option for military families.

Learn more: USAA Insurance review

Geico

Geico is among the cheapest car insurance companies in New Hampshire. 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 gap insurance, so you may want to opt for a different provider if you’re looking for that coverage option.

Learn more: Geico Insurance review

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 deals that provide savings of up to 30% if you are a safe driver. 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 the second-highest premium on our list, so it may not be the best choice for budget-conscious shoppers.

Learn more: State Farm Insurance review

Amica

Out of qualifying insurance providers, Amica earned the highest J.D. Power customer satisfaction ranking in New England. The company features an easy-to-use system for billing and claims and a top-notch digital portal and mobile app for those who appreciate hassle-free service. The company also received an A+ (Superior) rating for financial strength with AM Best and received fewer complaints than average according to the NAIC.

Progressive

Progressive received fewer than average complaints according to the NAIC, showing that the company likely deals with policyholder concerns in a more satisfactory manner than the average insurance provider. Progressive has an A+ (Excellent) rating for financial strength from AM Best and a rating of AA from S&P, which shows the company’s historic ability to pay out claims. However, keep in mind that Progressive’s average annual full coverage premium in New Hampshire is $2,351, which is significantly higher than any other company on our list.

Learn more: Progressive Insurance review

Average car insurance cost in New Hampshire

New Hampshire is an at-fault state, meaning the person who caused an accident is financially responsible for the damages. However, the state does not require you to carry insurance as long as you are financially able to meet your obligations if you cause an accident. These factors are a couple of reasons why you will find that the average cost of car insurance in New Hampshire is considerably lower than the national average of $1,674 per year for full coverage and $565 per year for minimum coverage.

Average annual premium for minimum coverage in New Hampshire Average annual premium for full coverage in New Hampshire
$389 $1,275

State minimum insurance requirements in New Hampshire

New Hampshire is one of the only states that does not require you to have minimum insurance coverage. If you refrain from buying a policy, you have to be able to show you are financially responsible if an accident occurs. This can be done through depositing money with the state treasurer. If you refuse to pay for damages resulting from an at-fault accident or cannot show proof of financial responsibility, your driver’s license may be suspended.

New Hampshire has minimum financial amounts set for accidents:

  • Bodily injury liability per person of $25,000 and per accident up to $50,000. This coverage provides payments for medical bills for anyone else involved in the accident.
  • Property damage liability of at least $25,000 per accident because this covers damage to others’ property.
  • Medical payments of $1,000 per accident to cover medical bills.
  • Uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 per accident in case the at-fault driver lacks coverage.

While these are the minimum requirements set, it is a good idea to have more protection on hand, especially in the case of bodily injury liability. Bodily injury is not limited to medical bills, but could also include chronic problems that last for years as a result of the accident. Adding full coverage can also be beneficial in providing coverage for damage to your vehicle, as liability insurance does not include personal vehicle damage.

How to get the best car insurance

There are many insurance providers in New Hampshire to choose from. However, the cheapest providers will ultimately depend on several personal rate factors like where you live, the kind of car you have, your driver record, and credit score.

To find the best car insurance company, consider the following:

  • Evaluate your needs: The amount of coverage needed is different for every driver. Factors like age can impact rates, with teen drivers and college students sometimes paying more than older, more experienced drivers. Some companies specialize in coverage for high-risk drivers with multiple tickets and accidents, while other companies are best for safe drivers.
  • Consider state factors: New Hampshire has unique requirements. Car insurance is not mandatory, but is recommended for liability, medical payments and uninsured motorist insurance. If you opt out of coverage, the state requires you to confirm that you are financially able to pay for damages.
  • Compare quotes: Be sure to find and compare quotes from top auto insurance providers to help you find the best rate. As demonstrated in our comparison above, the same type of coverage can vary significantly in price, depending on the provider you choose.

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.

There are different types of car insurance discounts depending on your situation:

  • Driving record discount: If you have a safe driving record, you might save on your car insurance premium. Many insurance companies look for drivers with no moving violations or accidents for five years.
  • Bundle discount: If you bundle multiple policies, some companies will reward you for your loyalty with a bundling discount. This can include many types of insurance, including your homeowners, renters, life or business insurance.
  • Good student discount: You might also receive a discount if you earn good grades in school.
  • Membership discounts: You could also save if you are a member of certain organizations or have a military affiliation.
  • Credit score: Many insurance companies will reward you with lower premiums when you have good or better credit.

Each of the New Hampshire car insurance companies on our list offers significant discounts for good students and bundling. However, the best discounts for you will 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

What information do I need to provide to obtain car insurance in New Hampshire?

You will need to supply your name, address, Social Security number, driver’s license number and expiration date. The provider also needs your vehicle’s year, make and model, the purpose of your vehicle’s use (business, personal or rideshare) and an estimation of how many miles you drive annually.

How quickly can I get car insurance?

If the provider can verify all your information and approve you for coverage, you could have auto insurance as early as the same day as long as you make your initial payment.

Is New Hampshire a no-fault state?

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. The police report and your insurance company can help you in providing evidence, but it can take time. In some cases, you may need to open a lawsuit against the other driver to get damages.

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.

What is the cheapest car insurance company in New Hampshire?

On average, the cheapest car insurance company in New Hampshire is USAA based on Bankrate’s research. The company’s average annual premium for minimum coverage insurance is $186 and its average annual premium for full coverage insurance is $681. However, note that the cheapest provider for you will vary based on individual characteristics. You may want to generate quotes from several providers to see which company offers you the lowest rate.

Methodology

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 coverage that meets 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.

Bankrate Scores

Bankrate Scores primarily reflect a weighted rank of industry standard ratings for financial strength (AM Best, S&P, Moody’s) and customer experience (J.D. Power, NAIC), in addition to average quoted rates from Quadrant Information Services. The J.D. Power studies utilized include the 2021 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team’s extensive research and analysis provided a secondary assessment of each insurer’s online and mobile resources and policy management options, which also contributed to overall ratings.