New Hampshire Auto Insurance (2024)

New Hampshire auto insurance is optional for drivers who have enough money to pay for accidents, but drivers who do carry insurance enjoy low car insurance rates.  If you’re curious why auto insurance rates are so low in New Hampshire, it’s probably because the minimum car insurance requirements in the state are fairly low.

Still, you may be able to find New Hampshire car insurance for less than $84 per month by shopping online and comparing quotes from multiple providers. Read on to learn all about New Hampshire auto insurance laws, rates, and more. 

 

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Cheap Auto Insurance Companies in New Hampshire

Companies consider several different factors when determining a person’s car insurance rates, so you won’t know how much you will pay until you compare quotes from multiple companies. 

New Hampshire auto insurance is traditionally cheaper than auto insurance in many other states. The average cost of car insurance in New Hampshire is around 35% less than the U.S. average. 

Cheap Full Coverage Policies in New Hampshire

The cheapest car insurance in New Hampshire for someone looking for a full coverage policy is often with USAA. Unfortunately, the company does not offer policies to the general public. 

You have to be affiliated with the military or have a spouse or parent affiliated with the military to purchase an insurance policy with the company.

Cheap Coverage after an Accident or DUI in New Hampshire

If you have a car accident on your record or have been convicted of a DUI, you may not be able to get the cheapest rates in your state. Still, you should find some companies that offer competitive rates for people with less-than-stellar driving records.

State Farm offers the cheapest rates for people with an accident or DUI on their record in most cases. You can get a quote from the company online to see how much you would pay for car insurance. Learn more about the best auto insurance companies for drivers who have a DUI. 

Cheap Coverage for Teens and Young Adults in New Hampshire

Finding cheap car insurance in New Hampshire for teens can be difficult. Teens and young adult drivers pay the highest rates of any demographic in terms of car insurance premiums. 

Geico offers competitive rates in New Hampshire for teens and young adult drivers. This demographic still pays more than the rest, but teens can save money with a Geico insurance policy in most cases. Find out more in our Geico auto insurance review.

As you search for the best New Hampshire auto insurance policy, it’s important to take your time. Don’t commit to any specific company until you’ve compared quotes from several providers in your area. You may be surprised by the company that offers the cheapest coverage. 

Full Coverage Auto insurance in New Hampshire

While USAA offers the cheapest full coverage car insurance options in New Hampshire, coverage is not available to most people because you have to be affiliated with the military to enjoy the low rates. 

Because of this, you may be more interested in purchasing a policy with State Farm, which is the second-cheapest option.

Full Coverage Auto Insurance Rates From Top Providers

Full coverage with State Farm costs around $1,029 annually or $86 each month. Nationwide comes in at $1,112 annually or $93 per month. Progressive charges $1,181 annually or $98 each month, and Geico offers coverage for $1,222 annually or $102 each month.

Allstate offers the most expensive rates for someone who wants to purchase a full coverage policy. The company charges $2,221 annually or $185 each month, which is almost $100 more than a similar policy with State Farm. Find out more in our Allstate auto insurance review here.

Deciding if Full Coverage is Right for You

A full coverage policy is more expensive than a policy that only offers the minimum coverage requirement. Paying so much for coverage can be difficult, but the added protection is often worth the investment. 

If you drive a new car, you may have to carry full coverage on the vehicle. This is especially true if you have a lease or loan on the vehicle. Still, if you own your vehicle and do not make payments, a full coverage policy will help you ensure your vehicle is taken care of if you’re ever in an accident or if your vehicle is damaged somehow.

Full coverage policies include New Hampshire’s liability requirements, but they also include collision and comprehensive coverage. With collision insurance, repairs to your vehicle will be covered if you are in an accident. Collision coverage helps regardless of who is at fault. So even if you caused the accident, your insurance would pay for any necessary repairs to your car. 

Comprehensive insurance covers repairs that are associated with damage caused outside of an accident. If a deer runs into your vehicle or if your car is damaged by hail or falling debris, comprehensive coverage will help pay for repairs. Comprehensive insurance also helps if your car is vandalized or stolen.

You may not be interested in full coverage if you drive an older car. But anyone driving a new or expensive vehicle should seriously consider purchasing a full coverage policy instead of one that only meets New Hampshire’s minimum requirements. 

Minimum Liability Coverage in New Hampshire

Minimum auto liability insurance in New Hampshire is very cheap. The average cost of a minimum coverage policy is $370 annually or $31 each month. This can help you save almost $650 each year if you choose a liability policy rather than a full coverage policy.

Liability Auto Insurance Average Rates From Top Providers

State Farm offers the cheapest minimum coverage rates. State Farm charges $359 annually, which equates to about $30 each month for coverage. The second-cheapest option is Geico. Geico charges $408 each year for coverage or $34 a month.

Progressive charges policyholders $418 annually for car insurance coverage. This comes out to $35 each month. And Allstate charges $431 annually or $36 monthly for minimum coverage.

Nationwide charges the most for a liability-only policy in New Hampshire. With Nationwide, you will pay around $582 annually or $49 each month for minimum coverage.

While the idea of paying so little for car insurance may seem appealing, you should consider purchasing additional coverage if you can afford it. Minimum coverage policies don’t offer much coverage, and your vehicle is not protected if you only have a liability policy.

Minimum coverage consists of liability options to make sure anyone hurt in an accident or any vehicles or property damaged in an accident are covered. Unfortunately, this means that if you are at fault in an accident and your vehicle is damaged, you will have to pay out of pocket for repairs. 

You can buy a minimum coverage New Hampshire auto insurance policy with many different companies in the state. Shop online and compare quotes from multiple providers before making final coverage decisions

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New Hampshire Bad Credit Auto Insurance 

Believe it or not, a poor credit score can impact your New Hampshire car insurance rates. Many studies have shown a correlation between low credit scores and a higher number of car insurance claims. As a result, insurance companies often charge people with poor credit more money for car insurance to offset any risk.

But if you have a bad credit score, you may still be able to find affordable car insurance coverage. While New Hampshire drivers pay around $1,737 annually or $145 monthly for coverage, some companies will offer coverage for much less.

Full Coverage Auto Insurance Monthly Rates by Credit Score

Nationwide offers the cheapest option for coverage if you have bad credit in New Hampshire. With Nationwide, you can purchase a car insurance policy for $1,637 annually or $136 monthly with bad credit.

Geico’s rates are the second cheapest on the list. Geico offers people with poor credit an option to buy coverage for $1,724 annually or $144 each month. This is right around the state average for coverage.

Progressive and State Farm both offer coverage for more than the state average for people with bad credit, but Allstate’s rates are the most expensive. If you have a poor credit score, you can expect to spend around $2,806 annually or $234 each month for coverage.

Unfortunately, a bad credit score can impact your car insurance rates, but there are things you can do about it. If you purchase coverage with a company that offers discounts, you may be able to save additional money on your car insurance coverage.

Also, as you improve your credit score, you may find that your car insurance rates also improve. Shop around at least once a year and compare quotes from multiple providers to learn whether you’re paying too much for car insurance as your credit score improves.

Learn more about the best auto insurance companies for bad credit.

New Hampshire Auto Insurance After an At-Fault Accident

It’s common knowledge that having a car accident on your driving record can cause your auto insurance rates to increase. If you have an at-fault accident on your record, your rates could increase by as much as $534 each year.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

State Farm offers affordable rates for people with an at-fault accident on their record. The company charges $1,249 annually or $104 each month for coverage. Geico is nearly $500 more each year. The company charges $1,702 annually or $142 monthly for car insurance if you have an accident on your record.

Nationwide rates for someone with an at-fault accident on their record are close to $1,920 each year or $160 every month, and Progressive charges $2,005 annually or $167 each month. Allstate charges the most if you have an at-fault accident on your driving record. The average cost for a policy is $2,999 annually or $250 each month.

If you have an accident on your record, you may be able to take a safe driving or defensive driving course to help lower your rates. Additionally, some companies have accident forgiveness programs that help you save money by forgiving your first at-fault accident after so many years of coverage.

As your driving record is expunged, you can expect your car insurance rates to improve. Shop and compare quotes at least once annually to ensure you are not paying too much for coverage with your current provider.

New Hampshire Auto Insurance for Young Drivers

Teens and young adults pay the most for car insurance in the U.S. Because this demographic is new to driving, companies assume they are more likely to be in an accident or cause damage in some way. Distracted driving with teens has become a significant issue as well, and insurance companies are well aware of all the negative impacts that come from that. 

If you are a teen or young adult driver, you could pay nearly 240% more for coverage than other people in New Hampshire. The average cost for car insurance for this demographic is $3,384 annually or $282 each month. 

Full Coverage Auto Insurance Monthly Rates for Teen Drivers

Geico charges teen and young adult drivers $3,053 each year for coverage. This equates to $254 per month. State Farm is the second-cheapest option. State Farm charges $3,814 annually or $318 each month for car insurance. 

Teens and young adults pay $4,677 annually or $390 each month for car insurance with Nationwide and $5,110 annually or $426 monthly with Allstate.

Progressive charges $6,534 annually for car insurance — $545 each month — if you’re a teen or young adult driver. These rates are much more expensive than what a 35-year-old driver with a clean record would pay for coverage.

If you’re a teen driver, the best way to save money would be to add yourself to someone else’s car insurance policy. If this is not an option, see if any companies offer discounts that you could take advantage of. Discounts can help you save up to 25% on coverage.

Most importantly, shop around and compare quotes from multiple providers before making any car insurance coverage decisions. You may find that some companies offer extremely competitive rates that could help you save a lot every month.

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New Hampshire Auto Insurance by City

You could pay higher rates for car insurance if you live in certain New Hampshire cities. For example, the best car insurance in Wichita may cost more than cheap car insurance in Olathe. The same goes for car insurance companies in Topeka and other cities as well. 

The most expensive car insurance rates in New Hampshire are often found in Manchester, while the cheapest policies are found in West Swanzey. 

If you live in a city where car insurance costs more, you may be able to save on your premiums by comparing quotes online. Doing so should help you determine which companies offer more affordable car insurance rates in your area. 

New Hampshire DUI Auto Insurance

If you get a DUI or DWI in New Hampshire, your car insurance costs are going to increase significantly. There is no way to know exactly how much you will pay for coverage until you shop online and get quotes from several providers.

Full Coverage Auto Insurance Monthly Rates by Driving Record

The average cost for coverage after a DUI conviction is $1,391 annually or $116 each month with Progressive. State Farm charges $1,639 annually or $137 each month for similar coverage. And Geico rates are around $2,103 annually or $175 each month. 

Nationwide charges people with a DUI or DWI $2,483 yearly or $207 monthly for car insurance coverage. Allstate is the most expensive company, offering coverage for $3,017 annually or $251 each month.

You should shop for car insurance at least once annually to ensure you are not overpaying when it comes to your coverage. 

A DUI can stay on your driving record for up to 10 years, so it’s important to find a company you like that will overlook your infraction and offer you the coverage you want at a price that works for you. Learn more about what DUI is here.

New Hampshire’s DUI Laws

If you get a DUI in New Hampshire, it’s a serious offense. A DUI on your driving record can increase your car insurance premiums by 100% or more. 

While you may be able to find a car insurance company willing to offer you coverage once you receive a DUI, it will not be easy to find cheap car insurance with a DUI. This is because auto insurance providers take a DUI very seriously. You can expect to pay higher-than-average rates for up to 10 years after your conviction.

Anyone having a difficult time getting coverage after a DUI should shop online and search for coverage with multiple providers. You can contact your nearest New Hampshire department of motor vehicles if you aren’t able to find a company that will offer coverage.

SR-22 insurance in New Hampshire

An SR-22 is a form you must submit to your department of motor vehicles proving that you have financial responsibility as a driver. Most people will not need to submit this form.

Still, you may have to if any of the following are true:

• You were convicted of a DUI
• You have multiple traffic tickets on your record
• You have one or more at-fault accidents on your record
• You were caught driving without car insurance
• You were caught driving with a suspended or revoked license
• You are behind on child support payments

You don’t need special insurance to file an SR-22 form in New Hampshire. Instead, you need an insurance provider that will help you file your SR-22 properly. If you have a current insurance company, your provider may be willing to file the SR-22 on your behalf. Find out how to get cheap SR-22 auto insurance here. 

Filing an SR-22 if You Have Insurance 

Filing an SR-22 with a current insurance policy is simple. You just need to reach out to your current provider to ensure the company will submit the form on your behalf. During the process, you may have to pay anywhere from $20 to $30.

Filing an SR-22 if You Don’t Have Insurance

You’ll need to find an insurance company to file an SR-22 on your behalf. Finding coverage could be difficult, but you should be able to find a company that will help you by shopping online and comparing car insurance quotes in New Hampshire. 

Filing an SR-22 if You Don’t Have a Vehicle 

You should purchase a non-owner car insurance policy if you don’t own a vehicle but need SR-22 coverage. Speak with representatives from any company you’re considering letting them know your situation. You may receive lower-than-average rates with non-owner SR-22 insurance if you don’t drive very often.

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New Hampshire Auto Insurance Laws

New Hampshire does not legally require its drivers to purchase car insurance. Still, if you drive in New Hampshire, you are required to pay for any damage you cause to any individual or vehicle on the road. 

Many New Hampshire drivers choose to purchase car insurance in the state to protect themselves in case they are at fault in an accident. While it may be an expensive investment, it could prove crucial if you’re ever in an accident. 

New Hampshire Minimum Coverage Requirements

You can choose to show proof of financial responsibility in the state of New Hampshire, or you can purchase a car insurance policy.

If you purchase auto insurance, the minimum coverage requirements are:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $25,000 in property damage liability per accident
• $1,000 in medical payments coverage per person

If you drive in New Hampshire, you should seriously consider purchasing a car insurance policy rather than relying on your own finances if you’re ever the cause of an accident. Car insurance can help to provide peace of mind and take care of you and your vehicle if you’re ever in a scary situation.

Other Types of Auto Insurance in New Hampshire

In addition to liability coverage, you can purchase other types of car insurance, including:

• Collision auto insurance
• Comprehensive auto insurance 
• GAP
• Rental car reimbursement
• Roadside assistance

You can add coverages to your policy to make it more robust and add safety measures depending on your vehicle and other factors. 

New Hampshire Rideshare Insurance 

If you drive for a rideshare service, you cannot use a personal auto insurance policy in New Hampshire. Instead, you will need additional coverage that protects you and any passengers in your vehicle.

Some companies like Uber and Lyft offer commercial policies at no cost whenever you’re on the job. If this is the case with your work, you may be able to get by just purchasing a personal car insurance policy and relying on your work coverage if you’re ever in an accident while driving to pick someone up or drop someone off. 

Still, purchasing a business use policy could be helpful if you drive a lot or if you are not covered for driving by your business.  

New Hampshire Auto Insurance: The Bottom Line

If you live in New Hampshire, it’s a good idea to purchase auto insurance coverage. Car insurance rates in New Hampshire are around 35% lower than the national average for auto insurance coverage. 

The statewide average for car insurance is just under $1,000 annually, which equals around $84 each month.

You can find cheap insurance in New Hampshire by shopping online and comparing quotes from multiple companies. Don’t hesitate to compare quotes from several insurers before making a final decision on the best New Hampshire auto insurance coverage. Start now with our comparison tool below and get free New Hampshire auto insurance quotes from local companies near you.

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