New Hampshire is one of the few states that don’t require car insurance.1 But buying the state’s minimum coverage requirements can help cover damages and injuries you might cause in a car accident.
New Hampshire drivers pay an average of $72 per month for car insurance. Insurify analyzed 50 insurers to help you find the best car insurance companies in New Hampshire.
Best car insurance companies in New Hampshire
Shopping for car insurance can be overwhelming. Plus, every driver has different coverage and budget needs. That’s why we’ve narrowed down the search to help you find cheap coverage in New Hampshire.
The five car insurance companies below stand out for the best discounts, customer service, coverage options, perks, and more.
State Farm: Best overall
GEICO: Best for discounts
Amica: Best for customer satisfaction
Hanover: Best for extra coverage
Progressive: Best for budget-conscious drivers
Our editorial team analyzed regional and national auto insurance companies that sell policies in New Hampshire to assess which offers the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in New Hampshire
Whether you’re cruising through the White Mountains or commuting to Manchester, here’s your road map to finding cheap car coverage in New Hampshire at the best possible price.
Average cost of car insurance in New Hampshire
New Hampshire drivers pay around $72 per month for car insurance. That’s less than what most Americans pay — the national average sits at $143. But prices vary, and your costs might look pretty different from that state average.
Still, if your premiums have been creeping up, you’re not imagining things. Inflation, weather events, and legal disputes are increasing prices, according to a 2024 Property & Casualty Markets Symposium from the New Hampshire Insurance Department.3 Insurers have been adjusting rates to keep up, making cheap car coverage harder to find.
Best car insurance in New Hampshire FAQs
Below, you’ll find answers to some common questions about getting cheap car insurance in New Hampshire.
How much is car insurance in New Hampshire?
New Hampshire drivers pay an average monthly rate of $72 for car insurance. The average monthly rate for a full-coverage policy is $89, and liability insurance costs $55 per month.
What are the best car insurance companies in New Hampshire?
A couple of New Hampshire car insurance companies stand out for balancing cheap car insurance rates, coverage options, and helpful customer service. State Farm lets you customize coverage and access a local agent for personalized support, while GEICO offers the most discounts to get you cheap car insurance premiums.
What is the required auto insurance coverage amount in New Hampshire?
New Hampshire doesn’t require drivers to buy car insurance. If you decide to get a policy, minimum-coverage car insurance policies must have at least $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 to cover property damage. You must also buy medical payments coverage and uninsured motorist coverage.
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