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Best car insurance in New Hampshire for 2023

Updated Sep 21, 2023
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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 2022 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: $1,262 per year for full coverage and $319 per year for minimum coverage.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England region)
827
/1,000
Average monthly full coverage premium
$89
Average annual full coverage premium
$1,063
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (New England region)
884
/1,000
Average monthly full coverage premium
$70
Average annual full coverage premium
$844
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (New England region)
838
/1,000
Average monthly full coverage premium
$80
Average annual full coverage premium
$956
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (New England region)
818
/1,000
Average monthly full coverage premium
$95
Average annual full coverage premium
$1,140
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (New England region)
Not rated
Average monthly full coverage premium
$74
Average annual full coverage premium
$884
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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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England region)
827
/1,000
Average monthly minimum coverage premium
$25
Average annual minimum coverage premium
$305
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (New England region)
884
/1,000
Average monthly minimum coverage premium
$18
Average annual minimum coverage premium
$221
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (New England region)
838
/1,000
Average monthly minimum coverage premium
$23
Average annual minimum coverage premium
$270
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (New England region)
818
/1,000
Average monthly minimum coverage premium
$30
Average annual minimum coverage premium
$365
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (New England region)
Not rated
Average monthly minimum coverage premium
$34
Average annual minimum coverage premium
$410
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

*USAA not officially ranked by J.D. Power due to eligibility restrictions

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Insurance Disclosure

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 for discounts

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 827/1,000 AM Best: A++

Average annual premium

$ 1,063 for full coverage
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Why Geico made our list: Although Geico may not offer the cheapest New Hampshire auto insurance, it has a long list of discounts that may help bring down its base rates. Geico stands for “Government Employee Insurance Company,” so it may be no surprise that eligible government employees could potentially earn a discount. Additionally, New Hampshire drivers who are 50+ may get a defensive driving discount for taking an approved driving course. Perhaps most impressive are Geico’s vehicle-related discounts, including a new car discount that could save up to 15 percent on applicable coverage types, just for insuring a vehicle three years old or newer. These savings opportunities helped Geico tie for the best auto insurance company overall in the 2023 Bankrate Awards

Who Geico may be good for: If you’re looking for a basic car insurance policy with plenty of savings opportunities, you might consider a quote from Geico.  

Read full Geico Insurance review

Best for military-focused perks and benefits

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 884/1,000 AM Best: A++

Average annual premium

$ 844 for full coverage
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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. 

Who USAA may be good for: USAA may be an excellent choice for drivers looking for a military-focused insurance experience with some of the lowest average rates (as long as you meet membership eligibility guidelines).   

Read full USAA Insurance review

Best for local offices

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 838/1,000 AM Best: A++

Average annual premium

$ 956 for full coverage
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Answer a few questions to see personalized rates from top carriers.

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. Some drivers might enjoy the personalized experience that working one-on-one with an agent may provide. Theoretically, a local agent might be more in-tune with your local market than one working in a call center. Additionally, State Farm is known for top-notch customer service, as evidenced by its stellar customer satisfaction scores in the New England region during the 2022 J.D. Power Auto Insurance Study. 

Who State Farm may be good for: State Farm could be best for New Hampshirites looking for the personalized touch that a local agent might provide, as long as they don’t mind forgoing some coverage options. 

Read full State Farm Insurance review

Best for a streamlined shopping experience

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 818/1,000 AM Best: A+

Average annual premium

$ 1,140 for full coverage
Get a quote

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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. 

Who Progressive may be good for: Progressive’s may be appealing to those new to insurance or drivers willing to spend a little to secure coverage quickly and easily.  

Read full Progressive Insurance review

Best for telematics

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: Not rated AM Best: A+

Average annual premium

$ 884 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

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.  

Who Nationwide may be good for: If you’re looking to save money on your car insurance through a telematics program or drive fewer-than-average annual miles, Nationwide might be your company of choice. 

Read full Nationwide Insurance review

How Bankrate chose the best car insurance companies in New Hampshire 

To find the best car insurance in New Hampshire, Bankrate’s editorial team compared the biggest providers in the state by market share and reviewed them using our unique methodology. Each of the top carriers were given a Bankrate Score out of 5 points, which is based on factors like average cost, customer service, digital tools, financial strength, coverage options and claim handling.

Using Bankrate Scores to guide your search for New Hampshire car insurance may be helpful as companies with high Bankrate Scores have scored well across the board, whereas companies with low Bankrate Scores fall short in at least one category, like affordability or customer service.

How much is car insurance in New Hampshire?

The average cost of car insurance in New Hampshire is $1,262 per year for full coverage and $319 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 $2,014 for full coverage and $622 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 $1,262 for full coverage, whereas the average full coverage premium in Vermont is only $1,061.

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.

Average annual premium for minimum coverage in New Hampshire Average annual premium for full coverage in New Hampshire
$319 $1,262

How to find the best car insurance in New Hampshire

The best auto insurance in New Hampshire may ultimately depend on your personal preferences and circumstances. The cheapest rates could also vary based on several personal rate factors like where you live, your age, the kind of car you have, your driver record and your credit history.

Consider minimum insurance requirements in New Hampshire

New Hampshire is one of the only states in the U.S. that does not legally require minimum car insurance coverage. However, drivers who don’t purchase car insurance in New Hampshire must demonstrate that they can provide sufficient funds in the event of an at-fault accident. When deciding how much coverage you need, it may be a good idea to purchase higher policy limits for more financial protection if you cause an accident.

Consider lender requirements

If you lease or finance a car in New Hampshire, your lender will likely require you to carry full coverage car insurance including collision and comprehensive coverage. This is because your lender has a financial interest in your vehicle. In other words, your lender wants to be sure that your vehicle is repaired in the event of a covered claim. You may also want to enhance your policy by adding gap insurance, which can help pay the remaining balance on your loan if your vehicle is declared a total loss and you owe more on your loan than what the vehicle is worth. 

Consider your individual needs

Every driver has unique car insurance needs, and it may be important to consider your personal car insurance requirements when choosing coverage.

For example, drivers with serious violations on their records may be forced to seek out high-risk auto insurance. Parents of new drivers might raise their coverage limits while their teen practices behind the wheel.

Similarly, your budget may also impact your car insurance needs. If you’re looking for the cheapest car insurance premium, you might compare quotes based solely on premium. You might also choose a higher deductible to get a lower monthly premium.

Frequently asked questions

Written by
Carol Pope
Former Writer, Insurance

Carol Pope is a former insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Editor, Insurance