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Best car insurance in New Hampshire for 2024

Updated May 01, 2024
Geico, USAA and Progressive write some of the best car insurance in New Hampshire.
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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.

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 2023 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: $1,660 per year for full coverage and $457 per year for minimum coverage.

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,294
$357
4.4
Rating: 4.4 stars out of 5
$3,536
$841
4.3
Rating: 4.3 stars out of 5
$2,009
$610
4.2
Rating: 4.2 stars out of 5
$1,076
$274
4.0
Rating: 4 stars out of 5
$1,086
$624

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$108/mo

Avg. full coverage premium

$1,294/yr

Customer satisfaction

Not rated

Progressive

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$295/mo

Avg. full coverage premium

$3,536/yr

Customer satisfaction

Not rated

State Farm

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$167/mo

Avg. full coverage premium

$2,009/yr

Customer satisfaction

829/1,000

USAA

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$90/mo

Avg. full coverage premium

$1,076/yr

Customer satisfaction

Not rated

Nationwide

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

$90/mo

Avg. full coverage premium

$1,086/yr

Customer satisfaction

Not rated

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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.

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Why you can trust Bankrate

Read our full methodology

To 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

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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.

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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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.

How much is car insurance in New Hampshire?

The average cost of car insurance in New Hampshire is $1,660 per year for full coverage and $457 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 $2,299 for full coverage and $637 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 $1,667 for full coverage, whereas the average full coverage premium in Vermont is only $1,376.

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.

City Avg. annual full coverage premium Avg. savings vs. state average

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in May 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 2022 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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46
years of industry expertise
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122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
Written by
Ashlyn Brooks

Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.

Edited by Senior Editor, Insurance