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Best Car Insurance in New Hampshire

How to find the best coverage, discounts, and rates in New Hampshire.

Best Cheap Auto Insurance in New Hampshire
The Hanover Logo

With monthly rates as low as $71, The Hanover is the cheapest provider on our list. If you own a luxury vehicle, it also offers some excellent coverage options you won’t find through most providers.

Best Auto Insurance for Safe Drivers in New Hampshire
State Farm Logo

State Farm offers the second-most-affordable rate on our list. You can bring those costs down even further if you’re a safe driver and qualify for one of State Farm’s many safe-driver discounts.

Best Auto Insurance for Seniors in New Hampshire
AARP logo

AARP has been serving older Americans through its membership benefits for over 75 years. With its partnership through The Hartford, you can take advantage of affordable coverage on top of all the great AARP perks.

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Our Commitment to You: At, our mission is to help you make smarter auto insurance decisions with confidence. We follow a strict editorial policy to ensure the accuracy of information presented is rooted in data and vetted by thousands of hours of research. While we may earn compensation from our partners, this does not influence our assessments and recommendations. Learn more about how we make money.

New Hampshire does not take its “Live Free or Die” motto lightly. The Granite State is one of only two states that don’t require auto insurance to drive legally. However, even with the option to drive uninsured, most New Hampshirites choose to obtain auto insurance. We highly recommend you follow the lead of most drivers in the state by getting car insurance. If you’re in an at-fault accident, you will be responsible for covering the other party’s damages and injuries—with or without insurance.

Fortunately, New Hampshire has some of the cheapest average car insurance rates in the country. Even with statewide premium increases due to inflation and an uptick in claims, you can still find affordable insurance with the right shopping strategies. Read on to learn about some of the state’s best and cheapest providers.


In order to drive legally without insurance in New Hampshire, you must meet the state’s motor vehicle financial responsibility requirements, which equate to having at least $100,000 in the bank.1

Average Car Insurance Rate in New Hampshire

The average annual car insurance rate in New Hampshire is $1,168, which is slightly more than half the national average of $2,071 for full coverage. While these numbers provide useful references when comparing quotes, keep in mind that your rates will vary depending on a number of factors, including your gender, age, location, and driving history.

Average Car Insurance in New Hampshire by City

If you’re in one of New Hampshire’s major cities, here’s what your car insurance rates may look like for full coverage.

City Monthly average cost Annual average cost
Rochester $91 $1,092
Dover $93 $1,116
Concord $95 $1,140
Derry $103 $1,236
Londonderry $104 $1,248
Nashua $106 $1,272
Manchester $110 $1,320

Comparison of the Best Auto Insurance Companies in New Hampshire

Feature The Hanover State Farm AARP (The Hartford) Allstate Progressive
Average annual rate in New Hampshire $857 $982 $1,520 (national average) $1,788 $1,149
New England Customer Satisfaction Index Ranking out of 1,000 (J.D. Power)2 N/A 829 N/A 816 802
Best for People looking for the cheapest option Safe drivers Older Americans People who want to bundle auto and home insurance People with a DUI on their record
Senior discount No No Yes No No
Review N/A State Farm review AARP review Allstate review Progressive review

Summary of the Best Auto Insurance in New Hampshire

  1. 1.

    Best Cheap Auto Insurance in New Hampshire: The Hanover

  2. 2.

    Best Auto Insurance for Safe Drivers in New Hampshire: State Farm

  3. 3.

    Best Auto Insurance for Seniors in New Hampshire: AARP

  4. 4.

    Best Auto Insurance for Homeowners in New Hampshire: Allstate

  5. 5.

    Best Auto Insurance After a DUI in New Hampshire: Progressive

Detailed List of the Best Auto Insurance in New Hampshire

1. Best Cheap Auto Insurance in New Hampshire - The Hanover
The Hanover Logo

What We Like Most:

  • Cheapest in New Hampshire
  • Extra coverage for luxury vehicles
  • Vanishing deductibles for safe drivers

The Hanover is the cheapest car insurance company in New Hampshire. On top of affordable rates, it offers specialized coverage for homeowners and drivers with high-end properties/vehicles.

ProsWho It's Best For
ConsWho It's Not Best For
  • con
    High-risk drivers
  • con
    People who want to work with a local agent

Cheapest Auto Insurance in New Hampshire

The Hanover offers the lowest average rate in New Hampshire, with rates as low as $857 annually for full coverage.

Company Monthly average cost Annual average cost
The Hanover $71 $857
State Farm $82 $982
Progressive $96 $1,149
GEICO $107 $1,283
Nationwide $116 $1,394
AARP (The Hartford) $127 $1,520 (national average)
Allstate $149 $1,788

Several ways to save

You can bring your costs down even lower with The Hanover by taking advantage of the following discounts:

  • Pay-in-full discount
  • Good student discount
  • Away-at-school student discount
  • Accident prevention course discount
  • Multi-car discount
  • Anti-theft device discount

Prestige Coverage for Luxury Vehicles

The Hanover offers additional coverage for owners of luxury vehicles. With the prestige auto plan, you get the following perks:

  • Lifetime original equipment manufacturer (OEM) parts: The Hanover ensures you’ll receive the brand name original equipment if you need a repair or replacement, including luxury and vintage vehicles, which are more expensive to insure.
  • Prestige global rental: This coverage provides you with worldwide rental insurance and financial support for loss of use or loss of value on a rental.
  • Prestige rental upgrade: If your car is in the shop due to a claim, you’ll get up to $6,000 in rental car coverage without a daily limit. This is a good option if you want a luxury rental while your car is out of commission.

Fun Fact:

New Hampshire has the lowest poverty rate in the country (7.3 percent) and one of the highest median household incomes ($83,449).3 If you own a luxury vehicle or want the option to rent in style, we recommend you ask about The Hanover’s prestige coverage.

2. Best Auto Insurance for Safe Drivers in New Hampshire - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

State Farm is the largest provider in the country and the third-largest provider in New Hampshire. It offers affordable average rates and several ways to save for safe drivers in the state.

ProsWho It's Best For
  • pro
    Safe drivers
  • pro
    People who want usage-based insurance
  • pro
  • pro
    People with multiple vehicles
ConsWho It's Not Best For

Safe-Driver Discounts

If you don’t have a history of accidents, DUIs, or moving violations, you should look into State Farm’s safe-driver discounts. Here are a few options you can choose from in New Hampshire:

  • Accident-free discount: If you go three years without an accident, you’ll be eligible for a discount.
  • Drive Safe & Save: If you demonstrate safe driving habits through State Farm’s safety tracking program, Drive Safe & Save, you can earn up to 30 percent on your car insurance.
  • Passive restraint discount: If you own a 1993 or older vehicle and have a factory-installed air bag or other restraint systems, you may qualify for this discount.
  • Vehicle safety discount: Specific 1994 model year or newer vehicles — makes and models with a safe claim history and low average repair costs — may be eligible for a 40 percent discount.

Discounts for Teens

State Farm offers two major discounts designed for teens: a usage-based discount and a good student discount.

  • If you’re under 25 years old and have a B average or higher, you may be eligible for a student discount.
  • Also for drivers under the age of 25, Steer Clear is a training program that involves logging 10 driving hours, completing online quizzes, and participating in learning modules. You can earn up to 20 percent off your car insurance by completing Steer Clear.

Affordable Full Coverage

According to data from the National Center of Environmental Information, New Hampshire sees the second-most snowfall in the nation (behind Alaska).4 Although New Hampshire is generally a safe state to drive in, it does see a significant uptick in accidents due to icy and snowy roads in the winter.5

You’ll need comprehensive coverage to stay protected from weather-related crashes and other non-collision accidents. State Farm offers comprehensive and collision coverage, protecting your vehicle from collisions with other vehicles and damage due to weather conditions, animal collisions, theft, and more.

3. Best Auto Insurance for Seniors in New Hampshire - AARP
AARP logo

What We Like Most:

  • Best option for seniors
  • RecoverCare adds more coverage
  • Discounted policies from The Hartford

AARP has been offering auto insurance to its members since the 1980s, and it’s since become one of the most popular auto insurance options for seniors and older Americans. Although anyone can sign up with AARP for a limited benefits membership, you must be over 50 to get the full benefits and auto insurance program through The Hartford.

ProsWho It's Best For
  • pro
    People over the age of 50
  • pro
    AARP members
  • pro
    Safe drivers
  • pro
    People with a new car
ConsWho It's Not Best For

Did You Know?

New Hampshire has the eight-highest senior population in the country.6 If you’re among the hundreds of thousands of older Americans retiring in New Hampshire, we recommend you look into an AARP membership.

AARP Membership Perks

On top of having coverage from one of America’s largest auto insurance providers, AARP memberships come with several discounts and perks. You can benefit from the following discounts with an AARP membership:

  • Up to 30 percent off select car rentals
  • $20 off a Zipcar annual membership
  • 15 percent off oil changes
  • Access to TrueCard, a car-buying tool to help you shop for new cars
  • Discounts for specialized insurance, like golf cart or RV insurance

RecoverCare Assistance Program

AARP members can sign up for RecoverCare coverage, which is an insurance add-on that offers assistance if you’re ever hurt in an accident. RecoverCare Essential Services Coverage will provide you with $2,500 in reimbursements for household services if you’re injured and cannot perform them yourself.

That money can go toward:

  • House cleaning
  • Lawn maintenance
  • Snow removal
  • Transportation services
  • Food preparation
  • Dog walking

24/7 Roadside Assistance

The AARP’s 24/7 roadside assistance coverage is backed by Allstate. You can sign up for coverage starting at about $6 a month, which comes with the following roadside emergency services:

  • Towing
  • Flat-tire change
  • Fuel for an empty tank
  • Lockout services
  • Dead battery jumps
4. Best Auto Insurance for Homeowners in New Hampshire - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

Allstate is one of the largest providers in New Hampshire. It offers excellent coverage options, like windshield protection and a tiered roadside service, as well as big auto insurance savings for homeowners.

ProsWho It's Best For
  • pro
  • pro
    People who want to bundle renters or home insurance with auto
  • pro
    Teens and parents of teens
  • pro
    People who want to pay in full
ConsWho It's Not Best For

Home Bundling Discount

Allstate’s home and auto bundling discount is the largest on our list and one of the largest in the industry. You can save up to 25 percent on your car insurance when you bundle auto and home with Allstate.

You can also save by bundling:

  • Auto + renters
  • Auto + motorcycle
  • Auto + auto

Fun Fact:

With a 75 percent homeownership rate, New Hampshire has the fifth-highest rate in the country.7

Several Coverage Add-ons

On top of full coverage options and uninsured motorist coverage, Allstate offers several add-ons that will be of use to New Hampshirites, especially in the winter months. Whether you want extra windshield protection from sleet, snow, and hail or 24/7 emergency service so you don’t get caught in a storm, Allstate has you covered.

Here are a few add-ons you can sign up for:

  • 24/7 roadside assistance
  • Windshield and glass coverage
  • Rental reimbursement plan
  • Mexico coverage
  • Personal umbrella policy

More Coverage for More Vehicles

Want to cover your boat or snowmobile? Allstate offers several coverage options for different vehicle types, including:

  • RVs
  • Boats
  • Motorcycles
  • Classic cars
  • ATVs
  • Snowmobiles
  • Golf carts
  • Dune buggies
  • Dirt bikes
5. Best Auto Insurance After a DUI in New Hampshire - Progressive

What We Like Most:

  • Cheaper rates for drivers with a DUI
  • Several ways to save if your premium increases
  • Accident forgiveness automatically applies to policy in most states

Progressive insures nearly 18 percent of all drivers in New Hampshire, making it the state’s largest car insurance company. On top of that, it also provides the cheapest average rate in New Hampshire after a DUI ($1,391 annually).

ProsWho It's Best For
  • pro
    People with a DUI on their record
  • pro
    People who drive with a pet
  • pro
    Classic car owners
  • pro
    Owners of a luxury vehicle or a car with expensive parts
ConsWho It's Not Best For

Cheapest Rate After a DUI

Although New Hampshire is one of the safest states to drive in, it has the highest alcohol consumption rate per capita.8 If you have a DUI on your record and are seeking affordable insurance, Progressive will have the best average rates:

Company Monthly average cost Annual average cost
Progressive $116 $1,391
The Hanover $133 $1,592
GEICO $207 $2,486
Nationwide $213 $2,553
State Farm $232 $2,782
Allstate $240 $2,883

Sizable Discount Opportunities

Whether or not you have a DUI on your record, you can earn some significant savings with Progressive’s many discounts. Here are a few ways to save with Progressive.

Progressive Discount Saving percentage/amount
Snapshot safe driver discount Up to $146 in savings
E-signature discount 9%
Multi-policy discount 5%
Multi-vehicle discount 4%
Clean record discount 30%
Good student discount 10%
Online quote discount 7%

Custom Parts and Equipment Coverage

If you own a classic car or vehicle you’ve made significant aftermarket changes to, like a custom sound system, you can get additional coverage. Progressive offers $5,000 in coverage for your custom parts and accessories.

Frequently Asked Questions

What if I drive without insurance in New Hampshire?

If you are caught without insurance and haven’t met the state’s motor vehicle financial responsibility requirements, the state will charge you a fee, suspend your license, and require you to maintain an SR-22 for three years.

Does New Hampshire have many uninsured drivers?

Even with the option to drive without insurance available to New Hampshire, the state has one of the lowest uninsured motorist rates (6 percent) in the country.

Which provider offers the cheapest minimum liability coverage in New Hampshire?

At only $280 annually for minimum liability, USAA offers the cheapest average minimum liability rate in New Hampshire.

How old can my teen start driving in New Hampshire?

According to the New Hampshire Division of Motor Vehicles, teens can start practicing driving at age 15 and a half. They have to be at least 16 before they apply for a driver’s license, and they have to complete an approved driver education program if they apply for a license before the age of 18.


In order to find the best providers in New Hampshire, we determined the best policies and rates based on the most common types of drivers in New Hampshire. Federal studies, proprietary data, and third-party rankings helped us determine which companies offer the best insurance deals to the most common demographics in the state.

  • Decades of data: has helped match drivers with car insurance companies for over 20 years. Each of those interactions has provided us with valuable data on which companies offer the most competitive quotes and policies to different driver types in New Hampshire.
  • Third-party ratings: We consult with S&P Global, J.D. Power, A.M. Best, and other third-party organizations to assess companies based on their financial strength and customer service scores in New Hampshire. Each company on our list has a near-perfect financial strength score, which is a good sign that it won’t default on its insurance fund and not pay its claims in a timely manner.
  • Expert guidance: Our team is backed by Centerfield’s (’s parent company) president of insurance, Paul Ford. We consult with Paul, who has decades of experience in the insurance world, to create our guides, offer recommendations, and provide our readers with the tools they need to make informed auto insurance decisions.


  1. New Hampshire Insurance Department: 2022 Automobile Insurance Consumer Frequently Asked Questions. State of New Hampshire Insurance Department. (2024).

  2. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J. D. Power. (2023, Jun 13).

  3. Most States Had Lower Official Poverty Rates in 2019-2021 Than a Decade Earlier. United States Census Bureau. (2023, Feb 7).

  4. Snowiest States 2024. World Population Review. (2024).

  5. Police in NH, Maine and Vermont Responded to 500 Crashes During Weekend Storm. NBC Boston. (2022, Dec 18).

  6. Which U.S. States Have the Oldest Populations? PRB. (2021, Dec 22).

  7. States and Cities With the Highest Homeownership Rates. AdvisorSmith. (2021, Mar 21).

  8. Surveillance Report #120. National Institute on Alcohol Abuse and Alcoholism. (2021).