Cheapest Auto Insurance in New Hampshire (2025)
New Hampshire is the only state that doesn't require drivers to carry a minimum amount of liability car insurance.
Secure. Free. Easy-to-use.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
In New Hampshire, if you don’t buy at least the state’s minimum amount of liability car insurance, you have to provide proof of financial responsibility. That means you have to demonstrate to the state that if you cause an accident, you can pay out-of-pocket amounts that are equal to the state’s minimum insurance requirements.1
It’s a good idea to buy car insurance, even if you’re not required to. Here’s what you should know about finding car insurance in the Granite State.
3 of the cheapest car insurance companies in New Hampshire
Finding the cheapest car insurance companies in New Hampshire involves more than searching for the lowest price. If you purchase auto insurance, you’ll need to find a policy that offers the coverage you need and the savings opportunities you want. Compare quotes from multiple insurers, many of which offer better rates to certain categories of drivers.
Liberty Mutual
Safeco
GEICO
How to get the cheapest car insurance in New Hampshire
Here are some of the best ways to find affordable car insurance in New Hampshire for your coverage needs and situation:
Ask about discounts. Call the insurance company you’re interested in to ask which discounts you may be eligible for. The more discounts you can qualify for, the lower your insurance premiums will be.
Bundle your coverage. Many insurers offer lower rates to people who buy multiple insurance products, like auto insurance and home insurance, together.
Raise your deductible. If you can afford a higher out-of-pocket cost when filing a claim, raising your collision or comprehensive deductible usually results in lower monthly premiums.
Compare quotes. A good way to ensure you’re getting the best prices possible is to compare quotes from at least three different insurers. Use a comparison website to gather multiple quotes at once for easy comparison.
Cheapest liability-only car insurance quotes in New Hampshire
Auto liability coverage usually includes property damage coverage and bodily injury coverage. Each pays for the injuries or damages you cause another person or property. While New Hampshire doesn’t require everyone to buy car insurance, you must buy liability coverage if you can’t demonstrate financial responsibility for at-fault accidents.
New Hampshire drivers who purchase liability coverage pay an average of $55 per month. The table below shows various insurers that offer liability insurance in New Hampshire.
Cheapest full-coverage car insurance quotes in New Hampshire
Full-coverage policies are a good idea for drivers with newer vehicles or for anyone who might not be able to afford repairs after an incident. If you lease or finance your vehicle, your leasing company or lender will require you to have full coverage. A full-coverage policy typically includes comprehensive coverage, so it covers damages and losses from theft, vandalism, falling objects, and weather events.
On average, a full-coverage policy in New Hampshire costs $93 per month. Below are the cheapest full-coverage car insurance companies in New Hampshire.
Car insurance requirements in New Hampshire
New Hampshire is unique among most other states: Drivers don’t legally have to carry car insurance. You only need to demonstrate that you have the funds necessary to meet the requirements of the state’s motor vehicle responsibility limits if you cause an accident.
If you buy car insurance in New Hampshire, you must meet these minimum liability limits:1
You should consider having at least some form of car insurance, no matter how often or far you drive. Many coverage options are available, each applying to certain damages, including:
Cheapest car insurance in New Hampshire by driving record
Inclement weather, congested roads, and wildlife can lead to at-fault accidents in New Hampshire. Other incidents, such as driving under the influence and speeding tickets, can raise your premiums too. Insurers charge higher rates to drivers with an incident on their record because they see them as more of a risk to insure.
For example, Granite State drivers with incidents on their records pay an average of $122 per month for full coverage and $72 for liability-only coverage.
The table below shows how your car insurance rates in New Hampshire can change based on your driving record.