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New Hampshire's most affordable car insurance providers include GEICO, Safeco, and State Farm.
Full-coverage car insurance in New Hampshire averages $101 per month, compared to the national average of $193. Your actual premium depends on various factors, including your age, driving history, and where you live. To determine your specific rate, obtaining quotes from several insurance companies is the most effective approach.
We've outlined New Hampshire's most cost-effective car insurance options below, organized by coverage type, driver demographics, and insurance carrier.
Affordable full-coverage car insurance in New Hampshire
Full-coverage insurance in New Hampshire averages $101 monthly, compared to $193 nationally. Among New Hampshire's cheapest car insurance providers, GEICO, Safeco, and State Farm lead the pack.
| Average monthly full coverage cost | |
| New Hampshire average | $101 |
| National average | $193 |
| GEICO | $72 |
| Safeco | $73 |
| State Farm | $79 |
| USAA | $84 |
Affordable liability-only car insurance in New Hampshire
For the most affordable liability car insurance providers in New Hampshire, Safeco, National General, and Direct Auto stand out.
Liability-only coverage in New Hampshire costs $57 monthly on average, while the national average sits at $106.
| Average monthly liability-only cost | |
| New Hampshire average | $57 |
| National average | $106 |
| Safeco | $54 |
| National General | $56 |
| Direct Auto | $63 |
| Liberty Mutual | $64 |
Cheap car insurance in New Hampshire by age
Age significantly impacts insurance premiums. Car insurance for teens carries the steepest rates, averaging $182 monthly in New Hampshire because of their limited driving experience.
During their twenties, drivers see rates drop to an average of $144 per month. Costs continue declining for those in their thirties and forties, averaging $104 and $102 monthly, respectively.
Rates can increase again for drivers in their sixties and beyond. New Hampshire seniors typically pay $98 monthly in their sixties and $97 in their seventies.
These age-based premium variations reflect different risk levels among age groups, with inexperienced younger drivers considered higher risk and older drivers sometimes facing increased rates due to health and driving considerations.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $182 | $103 |
| 20s | $144 | $81 |
| 30s | $104 | $59 |
| 40s | $102 | $58 |
| 50s | $97 | $54 |
| 60s | $98 | $55 |
| 70s | $97 | $55 |
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Cheap car insurance in New Hampshire for high-risk drivers
Moving violations or accidents on your record typically result in higher car insurance premiums. Below are New Hampshire's average costs for drivers with accidents, speeding tickets, or DUI convictions, based on rates for car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $127 | $72 |
| Speeding ticket | $136 | $77 |
| DUI | $156 | $88 |
Compare low-cost car insurance after an accident
For New Hampshire drivers with accident history, GEICO, Safeco, and State Farm provide cost-effective car insurance options. Drivers with accidents pay an average of $127 monthly for full-coverage protection.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| GEICO | $85 | |
| Safeco | $97 | $72 |
| State Farm | $99 | $87 |
Average rate:
Compare low-cost car insurance after a speeding ticket
New Hampshire drivers with speeding violations can find affordable car insurance through GEICO, Safeco, and State Farm. Those with speeding tickets on their record pay an average of $136 monthly for full coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| GEICO | $95 | |
| Safeco | $96 | $71 |
| State Farm | $100 | $89 |
Compare low-cost car insurance after a DUI conviction
New Hampshire drivers with DUI convictions can secure affordable full coverage through GEICO, Safeco, and State Farm. Those with DUI records pay an average of $156 for full coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| GEICO | $108 | |
| Safeco | $114 | $84 |
| State Farm | $119 | $105 |
Cheap car insurance in New Hampshire by credit score
Drivers with excellent credit in New Hampshire pay an average of $92 monthly. Drivers with poor credit face significantly higher premiums, with rates beginning at $126 per month.
This rate disparity demonstrates how credit scores influence insurance pricing, with poor credit typically leading to higher premiums due to insurers' perceived risk of non-payment.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $92 | $52 |
| Good | $96 | $54 |
| Average | $107 | $61 |
| Poor | $126 | $71 |
FAQs
Is car insurance mandatory in New Hampshire?
Unlike most states, New Hampshire does not require drivers to carry car insurance. However, if you choose not to purchase insurance, you must demonstrate financial responsibility to cover potential damages or injuries resulting from an accident.
How can I lower my car insurance premiums in New Hampshire?
To reduce your car insurance costs, consider shopping around for quotes, bundling policies, maintaining a clean driving record, and inquiring about available discounts such as those for safe driving or low mileage.
What factors influence car insurance rates in New Hampshire?
Several factors affect car insurance premiums, including your age, driving history, credit score, type of vehicle, and the amount of coverage you select. Younger drivers and those with poor credit or driving records typically face higher rates.
Are there affordable car insurance options for young drivers in New Hampshire?
Yes, young drivers can find affordable car insurance by comparing quotes from multiple providers, taking advantage of good student discounts, and considering usage-based insurance programs that reward safe driving habits.
Bottom line
These companies may offer the most competitive rates in New Hampshire, but they may not necessarily provide the lowest cost for your specific car insurance requirements. To find the ideal provider for your situation, get quotes from several insurance companies and compare them based on both price and service quality.
Data throughout provided by Insurify.
Average rate:
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