INSURANCE - CAR INSURANCE

Best Car Insurance in New Hampshire for 2024

Updated March 18, 2024
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USAA generally has the best car insurance in New Hampshire.

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New Hampshire’s stunning natural landscapes and more than 16,000 miles of roads give people plenty to explore on a road trip. Thankfully, the average cost of car insurance for Granite State residents is only $1,194 a year, making it the perfect place for a getaway.

In this article

Key takeaways

  • The best car insurance in New Hampshire is USAA, which costs $630 a year for comprehensive coverage.
  • New Hampshire drivers with a clean driving record pay an average of $99 per month for full coverage insurance.
  • Manchester drivers tend to pay the most for car insurance, with a yearly average of $1,492.

Best car insurance companies in New Hampshire

USAA offers the best car insurance in New Hampshire. It earned the highest customer satisfaction score on our list and had the lowest rates on full and minimum coverage. Allstate had the highest full coverage insurance in New Hampshire, but Progressive offered the most expensive minimum coverage.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 896/1,000 $630/year $214/year
GEICO 836/1,000 $841/year $341/year
Amica 833/1,000 $1,063/year $250/year
State Farm 829/1,000 $799/year $323/year
Allstate 816/1,000 $1,426/year $627/year
Progressive 802/1,000 $1,176/year $706/year

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USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction score in New Hampshire, but its coverage is only available to current and former military members and their families. USAA has the best full and minimum coverage insurance pricing in New Hampshire and offers most standard policies. However, it does not have some specialty policies like gap insurance, which you may find with a competitor.

Pros
  • USAA offered the best pricing on full and minimum insurance in New Hampshire
  • It has multiple discounts, including saving up to 30% for using the SafePilot program
Cons
  • USAA insurance is only available to military members and their families
  • You may find more specialty coverages with another carrier

Get a quote now | USAA review

GEICO: Best for senior drivers

Although GEICO did not have the cheapest car insurance rates in New Hampshire, it did earn the second-highest customer satisfaction score on our list. It has many policy and discount options, including saving up to 25% for having multiple policies with GEICO. Senior drivers may find additional ways to save, like completing a defensive driving course or being a retired government or military employee.

Pros
  • GEICO earned the second-highest customer satisfaction score on our list
  • It has some specialty policies like mechanical breakdown coverage
Cons
  • GEICO was a more expensive option for full coverage insurance
  • There is only one GEICO agent in New Hampshire, located in Manchester

Get a quote now | GEICO review

State Farm: Most affordable coverage

State Farm’s full coverage car insurance is the most affordable available to the general public in New Hampshire. It offers standard and specialty coverages with multiple discount options but may not have as many specialty policies as some competitors. State Farm customers pay an average of $799 yearly for full coverage, compared to the state average of $1,194.

Pros
  • State Farm had the lowest cost full coverage insurance available to the general public
  • It offers multiple discounts, including up to 25% for teens and young drivers
Cons
  • State Farm does not have some specialty policies like gap insurance
  • It earned only average customer satisfaction scores

Get a quote now | State Farm review

Allstate: Best for coverage options

Allstate was the most expensive full coverage car insurance in New Hampshire, averaging $1,426 annually. Its minimum coverage averages $627 per year. Despite the higher cost, Allstate may still be worth considering because of its coverage options. It has multiple policy types, including gap coverage, new car protection, and a vanishing deductible.

Pros
  • Allstate offers multiple policy add-ons, including accident forgiveness
  • It has many discounts, including for having multiple policies with Allstate
Cons
  • Allstate had above-average costs on full and minimum insurance
  • It earned below-average customer satisfaction scores

Get a quote now | Allstate review

Progressive: Best for high-risk drivers

Progressive's full coverage insurance was more expensive than several competitors, and it earned the lowest customer satisfaction score on our list. However, high-risk drivers may find it more cost-effective than other carriers. Progressive provides insurance for those with DUIs, multiple speeding tickets, or at-fault accidents, among other violations, and it can also file SR-22 forms required by the courts.

Pros
  • Progressive has multiple discount options, including extra savings for bundling policies
  • Can help you file SR-22 forms 
Cons
  • Progressive's customer service score was the lowest on our list
  • You can likely find cheaper minimum coverage options with a competitor

Get a quote now | Progressive review

New Hampshire auto insurance requirements

Unlike other states, New Hampshire does not require drivers to carry auto insurance. Instead, all drivers must prove they can pay for any damages they cause in an at-fault accident.

While not mandatory, New Hampshire recommends that drivers protect themselves by having insurance in at least the following amounts:

  • $25,000 per person for bodily injury
  • $50,000 in bodily injury for two or more people in an accident
  • $25,000 for property damage
  • $1,000 or more in medical payment coverage
  • Uninsured motorist protection that meets the $25,000/$50,000/$25,000 liability requirements

How to choose a car insurance provider in New Hampshire

If you’ve just moved to the state or are unhappy with your current coverage, consider the following when looking for a new insurance provider:

  • Check financial health: Use a website like AM Best to verify that the insurance company can pay claims. It’s also wise to confirm that the company is licensed in New Hampshire by checking the New Hampshire Insurance Department or the National Association of Insurance Commissioners (NAIC).
  • Ask for reviews: Read websites like the Better Business Bureau to learn about customers’ problems and how the insurance carrier solves them. Ask friends and family members for recommendations, especially if you are new to the area.
  • Get multiple quotes: Check pricing from at least three companies to ensure you get the best deal. Request quotes online, contact an agent, or consider using an insurance broker to help you streamline the quote process.

How much does car insurance cost in New Hampshire?

The average cost of car insurance in New Hampshire is $1,194 for full coverage insurance, compared to the national average of $1,582. The state’s minimum insurance costs an average of $490 annually.

Manchester residents pay the most for car insurance, an average of $1,492 annually. Concord drivers tend to pay the least, a yearly average of $1,274.

New Hampshire car insurance rates by city

Several factors affect what you pay for car insurance, including your city’s crime rate. According to NeighborhoodScout, Manchester residents have a one in 40 chance of being a victim of property crime, which includes vehicle theft. A higher chance of theft or vandalism generally means more claims for an insurance company, which often leads to higher rates.

City Avg. annual full-coverage premium
Manchester $1,492/year
Nashua $1,470/year
Dover$1,436/year
Rochester $1,414/year
Portsmouth $1,336/year
Concord $1,274/year

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in New Hampshire

What are the minimum car insurance coverage requirements in New Hampshire?

New Hampshire does not require insurance, but drivers must be able to pay for any medical bills or property damage they cause in an at-fault accident. To protect themselves, New Hampshire recommends drivers carry minimum bodily injury liability amounts of $25,000 per person and $50,000 for two or more people in an accident, along with $25,00 in property damage liability.

New Hampshire also recommends at least $1,000 in medical payment coverage and uninsured motorist coverage that meets all the above liability amounts.

How much does car insurance cost in New Hampshire?

The average cost of car insurance in New Hampshire is $1,194 for full coverage and $490 for the state’s minimum coverage.

Which car insurance companies cover New Hampshire?

Many national providers cover New Hampshire, including USAA, State Farm, GEICO, Progressive, and Allstate.

What is the cheapest car insurance company in New Hampshire?

The cheapest car insurance company in New Hampshire is USAA, which costs an average of $630 annually for full coverage and $214 for minimum coverage, but its policies are not available to everyone.

State Farm is the cheapest full coverage available to everyone in New Hampshire and costs an average of $799 per year. Amica has the cheapest minimum coverage insurance available to all, averaging $250 annually.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.