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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
New Hampshire drivers pay an average of $73 per month for car insurance, according to Compare.com data.
Unlike every other state, New Hampshire doesn’t require drivers to have auto insurance, but you’re still financially responsible for accidents you cause.[1] Despite the state not requiring coverage, more than 90% of New Hampshire drivers have a policy, helping keep premiums affordable.[2]
You can compare auto insurance companies and often find premiums below the state average. For example, companies like Safeco, National General, and Direct Auto tend to have some of the cheapest rates, according to our research.
To help you choose the right insurer, let’s explore which companies offer the cheapest car insurance for different types of drivers.
New Hampshire is the only state in the U.S. that doesn’t require car insurance.
If you decide to buy a car insurance policy, it must meet the state’s 25/50/25 liability minimums.
Liability coverage averages $56 per month, while full coverage costs around $90 per month.
While New Hampshire already offers affordable rates, car insurance comparison sites can help you score even more savings. Some of the best insurance companies offer premiums well below the state average, making it worth your time to shop around.
The table below highlights the most affordable auto insurance companies in New Hampshire, based on Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Safeco | $56 |
| National General | $57 |
| Direct Auto | $59 |
| Bristol West | $70 |
| Liberty Mutual | $76 |
| GEICO | $77 |
| State Farm | $83 |
| USAA | $88 |
| Allstate | $154 |
| Nationwide | $194 |
The companies above offer great options, but your actual premium depends on personal factors like your driving history, where you live in the Granite State, and the coverage you choose. To give you a better picture of your options, we take a closer look at each category in the next sections.
Comparing quotes can save you up to $867.†
Your New Hampshire car insurance policy must meet the state’s minimum requirements. That said, the New Hampshire Insurance Department suggests buying higher limits to avoid coverage gaps. Claims could cost more than the minimum requirements, and you’d have to pay any difference out of pocket.
Drivers in New Hampshire pay an average of $56 per month for minimum liability coverage.
If you need basic coverage that stays within your budget, the chart below shows New Hampshire’s five cheapest options, according to Compare.com research.
Most drivers should consider full coverage since it protects both other people and your vehicle in an accident. If you finance or lease your car, your lender likely requires you to have a full-coverage auto policy.
Beyond basic liability, full coverage typically includes comprehensive and collision coverage. Comprehensive insurance covers things like theft, vandalism, and weather damage. Collision insurance covers accidents with other cars and objects like signs and fences.
For full coverage, New Hampshire drivers pay an average of $90 per month. But several insurers offer full coverage for close to what you’d pay for liability-only insurance.
The chart below highlights the five most affordable full-coverage insurers in New Hampshire, based on Compare.com data.
Young drivers have some of the steepest insurance rates of any age group. Teens also have the highest fatality rate compared to any other age group, due to their lack of experience and higher frequency of reckless driving.[3]
At $131 per month, the average premium for teens in New Hampshire can definitely sting the family budget. But you can still score a decent deal if you shop around and compare quotes.
The chart below shows the five most budget-friendly insurers for teen drivers in New Hampshire, according to Compare.com data.
Seniors enjoy some of the lowest car insurance rates, thanks to decades of experience and fewer risky driving behaviors. New Hampshire’s senior drivers pay an average of just $69 per month.
Even with these low prices, you can save more by comparing rates with an insurance-comparison site.
Below are the five cheapest insurers for New Hampshire senior drivers, according to Compare.com data.
Aside from leaving you with fines to pay, getting a speeding ticket can increase your insurance rates the next time you buy coverage. Our research shows a single ticket increases average premiums by 37% nationwide — a costly reminder to watch your speed.
Drivers with recent tickets in New Hampshire pay an average of $104 per month for car insurance. But several insurers offer more forgiving rates.
The chart below shows the five cheapest options for New Hampshire drivers with recent tickets, according to Compare.com data.
An at-fault accident can cause a major spike in your insurance costs. A single accident bumps up average rates by 41% nationwide, according to our research.
In New Hampshire, drivers with a recent accident pay an average of $103 per month for car insurance.
The good news is that shopping around can help you save money. The five companies you see here offer the most competitive rates for accident-prone drivers in New Hampshire, according to our research.
A driving under the influence (DUI) conviction delivers the harshest blow to your insurance premiums of any driving violation. Our research shows average rates skyrocket by 61% nationwide after a DUI.
Average monthly costs hit $107 for New Hampshire drivers with DUI convictions. But you’re not necessarily stuck with these steep rates. Several insurers offer cheaper rates for high-risk drivers, including people with DUIs.
These five companies offer the most reasonable premiums for New Hampshire drivers with DUIs, according to Compare.com data.
Many insurance companies factor your credit history into their rate calculations. Insurers consider that people who manage money well are also more careful drivers. Drivers with poor credit pay roughly 20% more than people with excellent credit, according to our research.
New Hampshire drivers with poor credit pay average monthly rates of $95 for car insurance. But not every insurer uses your credit, and several companies offer surprisingly cheap quotes regardless of your credit history.
These companies offer the cheapest options in New Hampshire for drivers with poor credit, according to Compare.com research.
No insurer is universally best for every driver. The right company for you depends on your needs and circumstances. We picked some of the best insurers in New Hampshire by looking at their average rates, available discounts, customer satisfaction, and coverage options. Each company below brings something different to the table for New Hampshire drivers.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers appreciate the excellent service but find the insurance to be costly, especially in certain states.
Drivers appreciate the excellent service but find the insurance to be costly, especially in certain states.
Amica earns top marks for customer service throughout New England. J.D. Power ranks the company No. 1 for customer satisfaction in the region, proving Amica knows how to keep policyholders happy.[4] The company also offers a wide range of discounts that suit nearly every type of driver.
While you can’t get rideshare coverage from Amica in New Hampshire, you can get gap insurance and roadside assistance. But the company has few agents in the state, so it might be hard to get personalized service.
Excellent customer service
Strong financial track record[5]
Discounts for many driver types
Not the cheapest option for every driver
Rideshare coverage not available in NH
Few agents in the state
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 3.9 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
Liberty Mutual stands out for New Hampshire drivers who value local support and service. With agents throughout the state, you can get help when you need it. RightTrack, the company’s telematics program, and multi-policy discounts can deliver serious savings. The company also offers different coverage options that let you customize your policy to fit your needs.
But while RightTrack can save safe drivers money, your rates could increase if you’re a riskier driver. The company also ranks only one point above average for customer satisfaction in New England.
Plenty of local agents
Customizable coverage options
Save up to 30% with a telematics
Few discounts available
Mixed customer satisfaction ratings
Drivers with spotty records could pay more
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $83/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $92/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is the nation’s largest auto insurance company and brings more than a century of experience to New Hampshire drivers. It has agents in 41 cities throughout the state for personalized service. You’ll also find discounts to save money on car insurance, like the Drive Safe & Save telematics program and multi-policy bundling for homeowners.
State Farm doesn’t offer gap insurance, so it may not be the best option if you finance your car. While the company has local offices throughout the state, your experience can vary depending on the agent.
Safe driver and bundle discounts
User-friendly online tools
Largest auto insurer nationwide
Gap insurance not available
Higher rates than some competitors
Service quality varies by agent[6]
Local rates start as low as $54 per month.
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You don’t need auto insurance to drive in New Hampshire (though you must demonstrate some form of financial responsibility). But if you choose to buy a policy, it must meet the state’s minimum insurance requirements for bodily injury liability, property damage liability, medical payments, and uninsured motorist coverage.
The Granite State’s minimum coverage requirements include:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
Medical payments coverage: $1,000
Uninsured motorist coverage: $25,000 per person and $50,000 per accident
The New Hampshire Insurance Department recommends getting higher coverage limits to protect yourself from expensive claims. With today’s costly vehicles and high medical bills, accident claims could quickly exceed minimum policy limits. Consider what you could lose financially, and make sure to have enough coverage to avoid major debt down the road.
Here are the answers to some of the most common questions New Hampshire drivers ask about car insurance.
New Hampshire drivers pay an average of $73 per month for car insurance, according to Compare.com data. Liability-only coverage averages $56 per month, while full coverage costs around $90 per month.
It depends. How much you pay for car insurance comes down to factors like where you live, your driving record, age, and coverage choices. New Hampshire drivers pay an average of $73 per month for car insurance, according to Compare.com data. Compare that to the national average of $142 per month.
No. New Hampshire is the only state that doesn’t require drivers to have auto insurance.[7] The state’s responsibility law says you must cover any accidents you cause, though. So most drivers choose to buy coverage anyway to meet this requirement.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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