Cheapest Car Insurance in New Hampshire (2025)
Best cheap car insurance in New Hampshire
New Hampshire’s cheapest full-coverage insurance: The Hanover
At $67 a month, USAA has the state’s next-cheapest full-coverage insurance Full-coverage car insurance includes collision and comprehensive. These combine to cover your car for damage and theft. . However, USAA is only available to the military community.
Full-coverage car insurance rates in NH
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | The Hanover | $681 |  |
 | State Farm | $1,158 | |
 | The Concord Group | $1,318 |  |
 | Geico | $1,323 |  |
 | Progressive | $1,325 | |
 | Allstate | $2,338 |  |
 | USAA* | $804 | |
The Hanover offers all the basic coverages, plus extras like deductible dividends. If you add this feature to your policy and avoid accidents, your deductible Your car insurance deductible is the amount that comes out of your pocket to repair or replace your car. goes down at no extra cost.
The Concord Group does not offer deductible dividends. It does offer gap insurance, which you can’t get from the Hanover.
Cheap liability car insurance in New Hampshire: The Hanover
State Farm and Progressive have the next-cheapest liability rates. These companies charge $40 and $50 a month, respectively.
Liability auto insurance rates in NH
| Company | Annual rate |
|---|---|
| The Hanover | $187 |
| State Farm | $476 |
| Progressive | $600 |
| Geico | $619 |
| The Concord Group | $639 |
| Allstate | $1,221 |
| USAA* | $284 |
Liability auto insurance is the minimum amount of coverage you can get. It covers injuries and damage you cause to others. In New Hampshire, it also includes medical payments Medical payments covers car injuries to your and your passengers, regardless of fault. The minimum coverage limit is $1,000. and uninsured motorist protection Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance. , which cover injuries to you and your passengers.
Each company’s rates vary by customer. This is why it’s good to compare car insurance quotes from multiple companies when you buy or renew your policy.
Best cheap car insurance for New Hampshire teens: The Hanover
The company charges young drivers an average of $420 a year for liability insurance, or $35 a month. This is less than a third of the next-cheapest rate, $113 a month from the Concord Group.
The Hanover’s full-coverage rates average $98 a month for teen drivers, or less than half of the Concord Group’s rate.
Annual insurance rates for teen drivers
| Company | Liability only | Full coverage |
|---|---|---|
| The Hanover | $420 | $1,181 |
| The Concord Group | $1,351 | $2,579 |
| State Farm | $1,643 | $3,766 |
| Geico | $1,652 | $3,635 |
| Progressive | $2,471 | $7,138 |
| Allstate | $2,517 | $4,369 |
| USAA* | $970 | $2,711 |
For example, many companies give teens a car insurance discount for:
- Getting good grades in school
- Completing an authorized driver education or training program
- Being away at school without a car
Best New Hampshire insurance rates after a speeding ticket: The Hanover
A speeding ticket raises the average price of auto insurance in New Hampshire by 24%.
Auto insurance rates with a speeding ticket
| Company | Annual rate |
|---|---|
| The Hanover | $859 |
| State Farm | $1,158 |
| Geico | $1,651 |
| The Concord Group | $1,776 |
| Progressive | $1,799 |
| Allstate | $2,692 |
| USAA* | $927 |
Cheap car insurance after an accident in New Hampshire: The Hanover
Auto insurance rates after an at-fault accident
| Company | Annual rate |
|---|---|
| The Hanover | $1,036 |
| State Farm | $1,309 |
| The Concord Group | $1,930 |
| Progressive | $2,171 |
| Geico | $2,472 |
| Allstate | $3,467 |
| USAA* | $1,128 |
An at-fault accident raises the average price of auto insurance by 59%. This is where accident forgiveness With accident forgiveness, your first accident won’t make your car insurance rates go up. can help.
Allstate, The Concord Group, The Hanover and Progressive are among the companies that offer accident forgiveness. You usually have to pay extra for it, but details vary by company.
Best insurance for NH teens with a bad driving record: The Hanover
The Hanover’s rates for teens with an accident average $564 a year, or $47 a month. The next-cheapest rate is $144 a month from State Farm, which is three times higher.
Annual rates for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| The Hanover | $530 | $564 |
| State Farm | $1,643 | $1,733 |
| The Concord Group | $1,826 | $2,017 |
| Geico | $1,842 | $2,376 |
| Progressive | $2,655 | $2,866 |
| Allstate | $2,902 | $3,958 |
| USAA* | $1,131 | $1,336 |
New Hampshire’s cheapest car insurance rates after a DWI: The Hanover
A DWI raises the average price of car insurance in New Hampshire by 57% to $2,409 a year, or $201 a month.
Auto insurance rates after a DWI
| Company | Annual rate |
|---|---|
| The Hanover | $994 |
| Progressive | $1,571 |
| State Farm | $2,264 |
| The Concord Group | $2,325 |
| Geico | $2,867 |
| Allstate | $2,974 |
| USAA* | $1,310 |
Cheap car insurance quotes for NH drivers with bad credit: The Concord Group
Geico’s bad credit car insurance rates are only slightly higher at $163 a month. Geico also offers more discounts than the Concord Group, including discounts for military members and federal employees. These could add up to make Geico cheaper for some.
Auto insurance rates with bad credit
| Company | Annual rate |
|---|---|
| The Concord Group | $1,927 |
| Geico | $1,951 |
| The Hanover | $2,052 |
| Progressive | $2,281 |
| Allstate | $3,207 |
| State Farm | $4,878 |
| USAA* | $1,422 |
Insurance companies typically check your credit for things like payment history and the type of credit you use. These credit checks don’t affect your credit score.
Best car insurance companies in New Hampshire
The Hanover stands out for its low rates and good customer service scores. State Farm also has good customer service scores and has a more user-friendly website than the Hanover.
For example, State Farm offers online quotes. The Hanover’s website just refers you to an insurance agent in your area to contact for a quote.
NH’s best-rated car insurance companies
| Company | J.D. Power** | AM Best | LendingTree score |
|---|---|---|---|
| Allstate | 635 | A+ | |
| The Concord Group | Not rated | A+ | |
| Geico | 637 | A++ | |
| The Hanover | Not rated | A | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
New Hampshire auto insurance rates by city
Manchester is New Hampshire’s most expensive city for car insurance. Its drivers pay an average of $148 a month for full coverage, which is 16% higher than the state average.
Keene is the state’s cheapest city for car insurance. Its rates average $116 a month, which is 10% less than the state average. In Concord, drivers pay an average of $123 a month, or 4% less than the state average.
Car insurance rates near you
| City | Annual rate | City rate vs. state average |
|---|---|---|
| Alton Bay | $1,515 | -1% |
| Antrim | $1,502 | -2% |
| Ashland | $1,493 | -3% |
| Ashuelot | $1,437 | -6% |
| Barnstead | $1,549 | 1% |
| Belmont | $1,487 | -3% |
| Berlin | $1,512 | -1% |
| Bretton Woods | $1,489 | -3% |
| Bristol | $1,524 | -1% |
| Center Barnstead | $1,564 | 2% |
| Center Conway | $1,481 | -3% |
| Center Ossipee | $1,509 | -2% |
| Center Sandwich | $1,491 | -3% |
| Center Strafford | $1,541 | 0% |
| Center Tuftonboro | $1,499 | -2% |
| Charlestown | $1,452 | -5% |
| Chesterfield | $1,439 | -6% |
| Chocorua | $1,498 | -2% |
| Claremont | $1,427 | -7% |
| Colebrook | $1,502 | -2% |
| Concord | $1,479 | -4% |
| Contoocook | $1,471 | -4% |
| Conway | $1,483 | -3% |
| Cornish Flat | $1,441 | -6% |
| Derry | $1,685 | 10% |
| Dover | $1,524 | -1% |
| Drewsville | $1,448 | -6% |
| Durham | $1,533 | 0% |
| East Andover | $1,488 | -3% |
| East Candia | $1,566 | 2% |
| East Derry | $1,613 | 5% |
| East Hampstead | $1,726 | 13% |
| East Hebron | $1,487 | -3% |
| East Merrimack | $1,592 | 4% |
| East Wakefield | $1,538 | 0% |
| Eaton Center | $1,503 | -2% |
| Elkins | $1,475 | -4% |
| Enfield | $1,405 | -8% |
| Enfield Center | $1,463 | -5% |
| Epping | $1,564 | 2% |
| Etna | $1,417 | -8% |
| Exeter | $1,529 | 0% |
| Farmington | $1,557 | 2% |
| Franklin | $1,482 | -3% |
| Georges Mills | $1,429 | -7% |
| Gilmanton Iron Works | $1,529 | 0% |
| Glen | $1,489 | -3% |
| Glencliff | $1,491 | -3% |
| Goffstown | $1,645 | 7% |
| Greenville | $1,505 | -2% |
| Groveton | $1,511 | -1% |
| Guild | $1,406 | -8% |
| Hampton | $1,542 | 1% |
| Hampton Beach | $1,549 | 1% |
| Hanover | $1,402 | -9% |
| Haverhill | $1,497 | -2% |
| Hebron | $1,487 | -3% |
| Henniker | $1,522 | -1% |
| Hillsborough | $1,519 | -1% |
| Hooksett | $1,628 | 6% |
| Hudson | $1,691 | 10% |
| Intervale | $1,481 | -3% |
| Jaffrey | $1,461 | -5% |
| Kearsarge | $1,501 | -2% |
| Keene | $1,387 | -10% |
| Laconia | $1,512 | -1% |
| Lancaster | $1,501 | -2% |
| Lebanon | $1,427 | -7% |
| Lincoln | $1,462 | -5% |
| Lisbon | $1,488 | -3% |
| Littleton | $1,475 | -4% |
| Lochmere | $1,500 | -2% |
| Londonderry | $1,653 | 8% |
| Lyme Center | $1,505 | -2% |
| Manchester | $1,779 | 16% |
| Melvin Village | $1,523 | -1% |
| Meredith | $1,469 | -4% |
| Meriden | $1,410 | -8% |
| Milford | $1,523 | -1% |
| Milton Mills | $1,542 | 1% |
| Mirror Lake | $1,503 | -2% |
| Monroe | $1,503 | -2% |
| Mount Washington | $1,500 | -2% |
| Munsonville | $1,445 | -6% |
| Nashua | $1,618 | 5% |
| Nelson | $1,445 | -6% |
| Newmarket | $1,495 | -3% |
| Newport | $1,420 | -7% |
| Newton Junction | $1,712 | 12% |
| North Conway | $1,479 | -4% |
| North Haverhill | $1,486 | -3% |
| North Salem | $1,675 | 9% |
| North Sandwich | $1,490 | -3% |
| North Stratford | $1,504 | -2% |
| North Sutton | $1,469 | -4% |
| North Walpole | $1,448 | -6% |
| North Woodstock | $1,470 | -4% |
| Peterborough | $1,488 | -3% |
| Piermont | $1,498 | -2% |
| Pike | $1,492 | -3% |
| Pinardville | $1,685 | 10% |
| Plymouth | $1,476 | -4% |
| Portsmouth | $1,470 | -4% |
| Randolph | $1,466 | -4% |
| Raymond | $1,586 | 3% |
| Rochester | $1,516 | -1% |
| Rye Beach | $1,525 | -1% |
| Sanbornville | $1,538 | 0% |
| Seabrook Beach | $1,642 | 7% |
| Silver Lake | $1,483 | -3% |
| Somersworth | $1,513 | -1% |
| South Acworth | $1,458 | -5% |
| South Hooksett | $1,632 | 6% |
| South Newbury | $1,485 | -3% |
| South Sutton | $1,492 | -3% |
| South Tamworth | $1,503 | -2% |
| Spofford | $1,441 | -6% |
| Stinson Lake | $1,478 | -4% |
| Sugar Hill | $1,489 | -3% |
| Suncook | $1,496 | -2% |
| Tilton Northfield | $1,493 | -3% |
| Troy | $1,445 | -6% |
| Twin Mountain | $1,478 | -4% |
| Union | $1,509 | -2% |
| Waterville Valley | $1,492 | -3% |
| West Chesterfield | $1,433 | -7% |
| West Lebanon | $1,404 | -8% |
| West Nottingham | $1,580 | 3% |
| West Ossipee | $1,504 | -2% |
| West Peterborough | $1,501 | -2% |
| West Stewartstown | $1,485 | -3% |
| West Swanzey | $1,395 | -9% |
| Winchester | $1,450 | -5% |
| Winnisquam | $1,514 | -1% |
| Wolfeboro | $1,505 | -2% |
| Wolfeboro Falls | $1,512 | -1% |
| Wonalancet | $1,500 | -2% |
| Woodsville | $1,495 | -3% |
Car insurance laws in New Hampshire
Since these costs can get extremely expensive, car insurance is highly recommended.
New Hampshire’s minimum car insurance amounts
When you buy car insurance in New Hampshire, the minimum coverages and limits you can get include:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $25,000 per person, $50,000 per accident
- Medical payments: $1,000
Collision and comprehensive coverage are not required by law. However, you usually need both for a car loan or lease.
You can choose higher limits and more coverage for better protection.
SR-22 insurance in New Hampshire
If you have a DWI, you may have to get SR-22 insurance to reinstate your driving privileges. SR-22s are also required for reckless driving and certain other major offenses.
An SR-22 is a document that proves you have car insurance. Your insurance company files the SR-22 for you with the DMV.
It’s good to let the companies you contact for quotes know about your SR-22 requirement. Since some companies don’t offer SR-22 filings, it may take a little longer to shop.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with the state’s minimum limits. Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
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*USAA is only available to current and former members of the military and their families.