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Last updated: March 26, 2024

Average Cost of Car Insurance in New Hampshire

How much will you pay for auto insurance in New Hampshire in 2024?

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Fun fact: New Hampshire is one of only two states that does not require most drivers to purchase auto insurance. You can drive uninsured as long as you demonstrate your ability to provide sufficient funds to meet New Hampshire’s liability limits in the event of an at-fault accident. If you do choose to purchase an auto insurance policy, which we recommend, then the National Association of Insurance Commissioners estimates you’ll pay an average annual premium of $852. Compared to the national average of $1,061, New Hampshire residents pay less for auto insurance.

Average Cost of Car Insurance in New Hampshire

There are many reasons to purchase an auto insurance policy in New Hampshire, even though you don’t technically need one. Auto insurance protects you in the event of any accident that incurs costs, including medical bills and property damage.1 Read on to see what you should expect to pay for an auto insurance policy if you live or garage your insured vehicle in New Hampshire.

By Age

In general — and in New Hampshire — teenagers pay more for auto insurance than any other age group. Teen drivers pay more for auto insurance because they have little driving experience, which results in higher risk and more accidents.

Age Average annual cost of car insurance
16 $4,392
17 $3,841
18 $3,332
19 $2,488
20s $1,826
30s $1,309
40s $1,191
50s $1,126
60s $1,135
70s $1,475

By Gender

It is legal to determine car insurance rates based on sex in New Hampshire, and men typically pay more.

Gender Average annual cost of car insurance
Male $1,073
Female $1,054

By Marital Status

Young, single people tend to pay higher rates for auto insurance.2 When you get married, your auto insurance rate may decrease; plus, some auto insurance companies offer discounts for married couples.

Marital Status Average annual cost of car insurance
Single $1,073
Married $1,014
Divorced $1,073
Widowed $1,068

By Coverage Level

How much you pay for auto insurance is dependent upon how much coverage you purchase. Learn more about full coverage versus liability coverage here.

Coverage level Average annual cost of car insurance
Minimum $471
Full $1,261

By Credit Score

A poor credit score can more than double your auto insurance rate in New Hampshire. Most insurance companies consider credit score, unless you use a telematics or pay-per-mile auto insurance provider.

Credit score Average annual cost of car insurance
Poor $2,107
Average $1,412
Good $1,223
Excellent $941

By Violation

Safe driving can keep your auto insurance premium from skyrocketing. Don’t speed, don’t drive recklessly, and don’t drive under the influence.

Driving history Average annual cost of car insurance
Clean driving record $1,298
Speeding ticket $1,580
Accident $1,886
DUI $2,202

By Company

Rates vary based on your auto insurance provider, which is why you should always compare auto insurance quotes when you shop for a policy.

Company Average annual cost of car insurance
USAA $714
State Farm $696
GEICO $768
MMG $856
Progressive $964
Safety $897
Auto-Owners $1,074
Metropolitan Group $1,541
Allstate $1,240

Cheapest Car Insurance in New Hampshire

If you want the best cheap car insurance policy, check the chart below to find the best fit for your circumstances.

Demographic Cheapest company Average annual cost of car insurance
Full coverage Hanover $684
Minimum coverage Hanover $192
Bad credit Concord $1,392
16 years old Auto-Owners $2,249
17 years old MMG $1,902
18 years old MMG $1,691
20s USAA $1,195
30s MMG $1,120
40s MMG $910
50s MMG $837
60s MMG $853
70s Concord $1,011
Speeding ticket Hanover $229
Accident Auto-Owners $870
DUI Progressive $901

How to Save on Car Insurance in New Hampshire

Car insurance in New Hampshire is quite cheap, but if you want to make sure you’re getting the best deal, then consider the following:

Minimum Car Insurance in New Hampshire

The state does not have a car insurance requirement, but your financial responsibility requirements equal the following liability limits:

  • $25,000 per person for bodily injury
  • Up to $50,000 if two or more persons are hurt
  • Up to $25,000 for property damage liability

In New Hampshire, if you buy auto insurance for personal use, you must also buy at least $1,000 of medical payments coverage and uninsured motorist coverage equal to your auto liability coverage.

Fault Law in New Hampshire

New Hampshire is an at-fault state, meaning the driver who causes an accident pays for the other party’s property damages and bodily injuries — whether through their auto insurance policy or out of pocket. The victim can sue the at-fault party for monetary damages, provided the victim is less than 50 percent responsible for the accident.

SR-22s or FR-44s

While New Hampshire doesn’t require proof of insurance for the average driver, the DMV might require it if the court suspends or revokes your license. To file this proof of insurance with the DMV, you must go through your insurance carrier to submit an SR-22 certificate. Convictions that require filing an SR-22 are DWI, leaving the scene of an accident, and a subsequent/second reckless driving offense.3


You can drive at your own risk in New Hampshire — but don’t write off getting a policy. New Hampshire’s fault laws could leave you paying for damages out of pocket if you don’t have coverage.


We use a combination of proprietary data and industry research, including New Hampshire’s insurance requirements and driving laws, to build our state guides.

Frequently Asked Questions

Which company has the cheapest car insurance in New Hampshire?

We found that Hanover, Concord, MMG, USAA, Auto-Owners, and Progressive have some of the cheapest car insurance rates in New Hampshire.

Is auto insurance expensive in New Hampshire?

Auto insurance in New Hampshire costs about 15 percent less than the national average.

Do I need proof of insurance to register a car in New Hampshire?

New Hampshire doesn’t require proof of insurance for most drivers, so you will not need to provide it to register your vehicle unless you have to file an SR-22 because of a prior conviction.


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

  2. Married. Insurance Information Institute. (2024).

  3. When a SR-22 (Proof of Insurance) is Required. New Hampshire Division of Motor Vehicles. (2024).