Best Car Insurance in New Hampshire for 2024

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.

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

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.

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.

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.

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.

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.

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

FAQs about car insurance costs in New Hampshire