Best car insurance in New Hampshire for 2021

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The average annual cost of car insurance in New Hampshire is lower than the national average of $565 per year for basic insurance and $1,674 for full coverage. Although auto insurance New Hampshire rates are lower than average, it is still worth searching for the cheapest car insurance in NH. Several factors will affect the cost of coverage. For your convenience, Bankrate performed a detailed analysis of how state premiums change based on the insurance provider and discounts offered.

Best car insurance companies in New Hampshire

When searching for the best car insurance companies in New Hampshire, we examined a variety of factors such as cost, service, additional benefits and reputation. J.D. Power’s customer satisfaction study weighs heavily because the study’s respondents are policy owners with the companies they reviewed.

Car insurance company Bankrate Score Average annual full coverage premium J.D. Power customer satisfaction score
USAA* 4.8 $1,176 887/1,000
Amica 4.6 $1,420 867/1,000
Geico 4.6 $1,052 841/1,000
State Farm 4.4 $1,453 855/1,000

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


USAA consistently ranks well for customer satisfaction and pricing. The insurer has one of the lowest rates for full car insurance among the best car insurance companies. The only drawback is its limited market. Membership and coverage are only available to military members, veterans and their immediate families.

Learn more: USAA Insurance review

Amica Mutual

Amica earns top satisfaction ratings with J.D. Power. It features an easy-to-use system for billing and claims. It also receives an A+ rating for financial strength with AM Best.

Learn more: Amica Mutual Insurance review


Geico is among the cheapest car insurance companies in New Hampshire. It earns an above-average overall satisfaction rating from J.D. Power and an A++ rating for financial strength with AM Best, which shows that customers are happy and the company can pay out claims.

Learn more: Geico Insurance review

State Farm

State Farm also earns above-average scores from J.D. Power. It offers a wealth of discounts where you can save up to 30% if you are a safe driver. State Farm received an AM Best Rating of A++ for financial strength, which is the highest rating an insurance provider can obtain.

Learn more: State Farm 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.

New Hampshire has minimum financial amounts set for accidents:

  • Bodily injury liability coverage of $25,000 per person up to $50,000 per accident. 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/underinsured motorist coverage of $25,000 per person and $50,000 per accident in case the at-fault driver is not sufficiently covered.

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.

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 you need 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 recommended for liability, medical payments and uninsured/underinsured 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.
  • Individual 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 great credit.

With its northern perch on the Eastern seaboard, New Hampshire is subject to harsh winters and occasional flooding. These regular weather-related risks can lead to more insurance claims than states with milder weather, reminding New England drivers again of the importance of adequate car insurance. These discounts can help you afford the extra coverage to protect your vehicle and keep your family safe even when Mother Nature roars.

Whether you are switching carriers or finding new coverage, compare multiple providers of the best auto insurance New Hampshire to see which one offers you the best deal. From there, compare each one’s reputation to determine the best provider with the most affordable premiums.

Discount Amica Geico State Farm USAA
Anti-lock brakes x x x x
Anti-theft devices x x x x
Automatic payment/paperless billing x x x x
Defensive driving course x x x x
Early signing
Full payment x x
Good student x x x
Green vehicle
Loyalty x x x x
Low annual mileage x x
Military x x
Multiple policies x x x x
Multiple vehicles x x x x
Occupational or organizations x
Safe driver/accident free x x x x
Safety features x x x x

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 and your driver’s license number and expiration date. The provider also needs your vehicle’s year, make and model; the purpose for 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 next day.

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 at-fault driver is at fault. The police report and your insurance company can help you with this proof, but it can take time. You might also have to sue 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 will be able to get compensation for the accident.


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 coverages that meet 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 2020 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.