State Farm is the cheapest car insurance company in New Hampshire for most drivers, at $32 a month for minimum coverage insurance and $76 for full coverage.
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Where to get cheap car insurance in New Hampshire
State Farm offers the cheapest car insurance in New Hampshire, on average, according to a QuoteWizard survey of auto insurance providers.
The average cost of car insurance in New Hampshire is $47 a month for minimum coverage and $94 a month for full coverage. Coverage rates depend on where you live in the state, which company you choose and more.
Our data shows that New Hampshire drivers pay $389 per year, on average, when they buy minimum-coverage car insurance from USAA. For a full-coverage policy, New Hampshire drivers pay an average of $770 per year when they purchase it from the same insurer.
Those rates are a lot cheaper than what a typical driver in New Hampshire pays for auto insurance. The average driver in this state spends $566 per year on minimum coverage and $1,131 per year on full coverage.
Other insurance companies also provide affordable car insurance to New Hampshire drivers. USAA, GEICO and Progressive are a few noteworthy examples.
Although New Hampshire doesn’t require drivers to carry car insurance, you must meet financial obligations when you’re involved in an accident. If you opt for auto insurance, you’ll need to carry at least the state’s minimum insurance limits — 25/50/25 liability coverage and $1,000 medical payments coverage.
Cheapest car insurance companies for a minimum-coverage policy: USAA
USAA has the cheapest rates for a minimum-coverage policy in New Hampshire at $29 per month, according to our data. But, USAA is only available to military members and their families.
The average difference in cost between full and minimum coverage in New Hampshire is $565 per year. While minimum coverage costs much less than full coverage, you run the risk of having insufficient protection in the event of an accident. If the cost of damage or injuries you cause in a crash exceeds your policy’s liability limits, you'll be responsible for those additional costs.
These insurance companies offer the lowest rates for minimum-coverage car insurance in the state:
| Company | Monthly rate | |||
|---|---|---|---|---|
| USAA | $29 | |||
| State Farm | $32 | |||
| GEICO | $36 | |||
| State average | $47 | |||
| Concord | $54 | |||
| Allstate | $57 | |||
| Progressive | $58 | |||
| Farmers | $63 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Besides USAA, State Farm is the cheapest option for a minimum-coverage policy in New Hampshire ($32 per month), followed closely by GEICO ($36 per month).
On average, New Hampshire drivers pay $566 for minimum-coverage car insurance. That’s $218 more than USAA’s annual rates.
This is why it’s a good idea to compare car insurance quotes before choosing an insurer.
Cheapest car insurance companies for full coverage: State Farm
State Farm and USAA offer the cheapest full-coverage auto insurance in New Hampshire at $64 per month.
According to our data, these insurance companies offer some of best rates in the state for a full-coverage policy:
| Company | Monthly rate | |||
|---|---|---|---|---|
| State Farm | $64 | |||
| USAA | $64 | |||
| GEICO | $76 | |||
| State average | $94 | |||
| Progessive | $97 | |||
| Concord | $99 | |||
| Allstate | $127 | |||
| Farmers | $132 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Rate factors like ZIP code, driving history, age and more all influence what you pay for car insurance, so your premiums may vary significantly.
Cheapest car insurance companies for drivers with an accident: State Farm
If you’re involved in an at-fault accident, you’ll probably see a jump in your insurance rates. But different insurers weigh your driving history to a varying extent.
State Farm offers the cheapest average rates for drivers with an accident at $950 per year or $79 per month. These are the least expensive insurers in New Hampshire for drivers with an accident on their record:
| Company | Monthly rate | |||
|---|---|---|---|---|
| State Farm | $79 | |||
| USAA | $93 | |||
| GEICO | $102 | |||
| State average | $140 | |||
| Progessive | $157 | |||
| Concord | $146 | |||
| Allstate | $188 | |||
| Farmers | $216 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Our data shows that drivers with an accident on their record pay an average of $140 per month for car insurance, which is $61 more than State Farm’s monthly rate.
USAA and GEICO also offer cheaper rates for drivers with an at-fault accident, at $93 per month and $102 per month, respectively.
Cheapest car insurance for drivers with a DUI: USAA
USAA offers the best monthly car insurance rates for drivers with a DUI at $1,292 per year. This is much lower than the state average of $1,712 per year.
USAA is only available to military members and their families, so if you aren’t eligible for membership, State Farm has the lowest rates for New Hampshire drivers with a DUI at $112 per month or $1,340 per year.
New Hampshire requires an SR-22, which proves you have the liability car insurance coverage your state requires. A DUI stays on your driving record for 10 years in New Hampshire, which will result in more expensive car insurance rates during that time.
| Company | Monthly rate | |||
|---|---|---|---|---|
| USAA | $108 | |||
| State Farm | $112 | |||
| Progessive | $113 | |||
| GEICO | $134 | |||
| State average | $143 | |||
| Allstate | $161 | |||
| Concord | $176 | |||
| Farmers | $195 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for drivers with a speeding ticket: State Farm
State Farm offers New Hampshire drivers with a speeding ticket the lowest car insurance rates at $64 per month. This is almost half of the state average monthly rate, which is $113.
USAA offers the second-lowest rates at $74 per month or $770 per year, on average.
| Company | Monthly rate | |||
|---|---|---|---|---|
| State Farm | $64 | |||
| USAA | $74 | |||
| GEICO | $76 | |||
| State average | $113 | |||
| Progressive | $130 | |||
| Concord | $134 | |||
| Allstate | $146 | |||
| Farmers | $170 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for teen drivers
GEICO is the overall cheapest insurer for teen drivers in New Hampshire for both minimum- and full-coverage auto insurance. It also has the cheapest rates for teen drivers with a speeding ticket on their driving records.
Teen drivers are the highest-risk car insurance demographic due to their inexperience behind the wheel and higher likelihood of getting into an accident.
This means that teen drivers usually pay higher rates for car insurance than any other age group, making it even more important to shop around for the best rates.
Cheapest car insurance for teens with minimum coverage: GEICO
| Company | Monthly rate | |||
|---|---|---|---|---|
| GEICO | $97 | |||
| USAA | $105 | |||
| Allstate | $111 | |||
| State Farm | $118 | |||
| Concord | $130 | |||
| State average | $155 | |||
| Progressive | $261 | |||
| Farmers | $265 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for teens with full coverage: GEICO
| Company | Monthly rate | |||
|---|---|---|---|---|
| GEICO | $201 | |||
| Concord | $221 | |||
| USAA | $233 | |||
| State Farm | $233 | |||
| Allstate | $238 | |||
| State average | $304 | |||
| Progressive | $479 | |||
| Farmers | $522 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for teens with a DUI: State Farm
For teen drivers in New Hampshire with an at-fault accident, State Farm offers the lowest car insurance rates at $240 per month or $2,886 per year. This is significantly lower than the state average, which is $420 per month or $5,040 per year.
Since teen drivers are already paying higher rates, teens with an at-fault accident on their record can expect to pay an average of $116 more per month than a typical teen driver with full coverage.
| Company | Monthly rate | |||
|---|---|---|---|---|
| State Farm | $240 | |||
| GEICO | $259 | |||
| USAA | $316 | |||
| Concord | $329 | |||
| Allstate | $370 | |||
| State average | $420 | |||
| Progressive | $555 | |||
| Farmers | $871 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for teens with a speeding ticket: GEICO
GEICO offers the cheapest rates for New Hampshire teen drivers with a speeding ticket, charging an average of $201 per month.
State Farm has the second-lowest rates, at $233 per month or $2,796 per year.
| Company | Monthly rate | |||
|---|---|---|---|---|
| GEICO | $201 | |||
| State Farm | $233 | |||
| USAA | $271 | |||
| Allstate | $278 | |||
| Concord | $299 | |||
| State average | $370 | |||
| Progressive | $519 | |||
| Farmers | $789 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for senior drivers: State Farm
For senior drivers in New Hampshire looking for full-coverage car insurance who have accidents, DUIs or speeding tickets on their driving records, State Farm offers the cheapest rates.
Car insurance providers may consider senior drivers to be high-risk due to decreased reaction time that occurs with age.
A 60-year-old driver in New Hampshire pays an average of $45 per month for minimum-coverage car insurance or $88 per month for full coverage.
Cheapest car insurance for senior drivers with minimum coverage: USAA
For those eligible for membership, USAA offers senior drivers in New Hampshire the lowest car insurance rates at $30 per month. USAA is available to members of the military and their families.
But, for those ineligible for membership, State Farm is not too far behind with rates of $31 per month.
| Company | Monthly rate | |||
|---|---|---|---|---|
| USAA | $30 | |||
| State Farm | $31 | |||
| GEICO | $32 | |||
| State average | $45 | |||
| Concord | $47 | |||
| Progressive | $57 | |||
| Farmers | $59 | |||
| Allstate | $59 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for senior drivers with full coverage: State Farm
New Hampshire seniors can find the cheapest full-coverage car insurance rates from State Farm. Seniors who choose State Farm can expect to pay around $60 per month or $718 per year.
USAA and GEICO are also cheap options, with average rates of $65 and $66 per month, respectively.
| Company | Monthly rate | |||
|---|---|---|---|---|
| State Farm | $60 | |||
| USAA | $65 | |||
| GEICO | $66 | |||
| Concord | $87 | |||
| State average | $88 | |||
| Progressive | $92 | |||
| Farmers | $116 | |||
| Allstate | $127 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for seniors with a DUI: State Farm
New Hampshire seniors with a DUI can find the cheapest car insurance from State Farm at $107 monthly. USAA’s option of $109 monthly is the second-cheapest option.
| Company | Monthly rate | |||
|---|---|---|---|---|
| State Farm | $107 | |||
| USAA | $109 | |||
| Progressive | $110 | |||
| GEICO | $122 | |||
| State average | $134 | |||
| Concord | $155 | |||
| Allstate | $161 | |||
| Farmers | $172 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for seniors with an at-fault accident: State Farm
State Farm offers the cheapest rates for New Hampshire senior drivers with an at-fault accident at $74 monthly.
The state average rate for the same driver is $133 monthly.
An at-fault accident impacts your car insurance rates for three to five years, depending on the nature and severity of the accident.
| Company | Monthly rate | |||
|---|---|---|---|---|
| State Farm | $74 | |||
| GEICO | $90 | |||
| USAA | $103 | |||
| Concord | $129 | |||
| State average | $133 | |||
| Progressive/td> | $158 | |||
| Allstate | $188 | |||
| Farmers | $189 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for senior with a speeding ticket: State Farm
State Farm is the cheapest car insurance company in New Hampshire for seniors with speeding tickets on their driving records, offering an average rate of $60 a month. GEICO is second cheapest, with an average car insurance premium of $66 a month.
| Company | Monthly rate | |||
|---|---|---|---|---|
| State Farm | $60 | |||
| GEICO | $66 | |||
| USAA | $75 | |||
| State average | $106 | |||
| Concord | $118 | |||
| Progressive/td> | $127 | |||
| Allstate | $146 | |||
| Farmers | $148 | |||
| Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Minimum auto insurance requirements in New Hampshire
New Hampshire is the only state that does not require all drivers to have car insurance.
Although car insurance isn’t required, New Hampshire does require drivers to meet their financial obligations when they’re involved in an accident.
For drivers who do use car insurance, all policies in New Hampshire must include at least these coverage types and amounts:
- $25,000 of coverage for bodily injury liability per person.
- $50,000 of coverage for bodily injury liability per incident.
- $25,000 of coverage for property damage liability per incident.
- $1,000 of medical payments coverage.
Liability coverage is meant to help pay for other peoples’ medical and repair bills if you're found at fault in a car accident. Medical payments coverage is intended to pay for your medical expenses after an accident, regardless of who was at fault.
Methodology
We obtained non-binding car insurance quotes for a typical driver in every New Hampshire ZIP code from Quadrant Information Services. Unless otherwise noted, a typical driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
Minimum-coverage insurance rates are based on a policy meeting the state’s minimum requirements for liability coverage.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000
- Collision coverage: $500 deductible
- Comprehensive coverage: $500 deductible
Sources:
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