Auto Insurance in New Hampshire

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New Hampshire is a small New England state with tall mountains and flourishing forests. The area is occasionally affected by hurricanes, but it is far enough north that property damage isn’t common. Extreme snowstorms created by nor’easters are bigger concerns for property owners. On average, the state experiences two tornadoes per year. New Hampshire is the only state in the country that does not require drivers to carry liability coverage. Each driver is personally responsible for choosing an appropriate level of coverage.

New Hampshire

Population: 1,326,813
New Hampshire
$1,226
US Average
$1,669

The average car insurance policy in New Hampshire costs slightly less than the national average. Rates can vary somewhat from town to town, though, so it is always important to compare quotes from several companies before buying a policy.

New Hampshire Minimum Liability

Bodily Injury

$25k
per person
$50k
per accident

Property Damage

$25k
per accident

As the only state that does not dictate minimum coverage, drivers are left to choose their own levels of protection. The bare minimum recommended coverage is 50/100, which means that you are covered for up to $50,000 per person and $100,000 per accident in bodily injury expenses. But in many cases, this minimum is not enough protection.

Drivers may underestimate how much an accident will cost. The average auto liability claim for property damage was $3,231 in 2013. During that same year, the average auto liability claim for bodily injury was $15,443. Since those are averages, you can assume that about half of all liability claims are higher than these amounts. Some are much higher. Once you exceed your policy’s limit, you will have to pay out of your own pocket. This makes 100/300 coverage preferable to 50/100. Without the higher coverage, you could face thousands of dollars in debt or out-of-pocket expenses.

The best way to know you have the coverage you need is to contact several companies for policy details and price quotes. Each insurance company will look at your driver profile in a unique way. This often means that some companies will quote you lower prices than others. Getting these quotes will take some time, but you can often save quite a bit of money by doing so.

Cheapest Car Insurance in New Hampshire

Yearly Rate

  • $631
    GEICO
  • $1,908
    Allstate
  • $1,054
    State Farm
  • $1,488
    Liberty Mutual
  • $1,137
    Progressive

If price is your biggest concern, then you will want to consider policies from these low-cost New Hampshire insurance companies. During our review, we found that they have the most affordable premiums in the state.

You can save money by choosing one of these cheap insurance providers, but it is important to recognize that some companies keep their prices low by cutting corners. You may not get great customer service, or you may have difficulty getting your claims processed efficiently. If you have a limited budget and you don’t mind lackluster service, consider policies from these companies. They’re the cheapest in the state.

Where is car insurance most affordable?

The exact amount of money that you spend on auto insurance depends on several factors. Where you live plays a big role in how much you will pay.

Drivers in Manchester spend a little more than the state average, but they still enjoy rates that are cheaper than the national average. People living in smaller towns tend to pay cheaper rates.

Since car insurance prices vary from town to town, it’s important to get quotes from several companies. This will help you compare your options, so you can choose a good deal.

Manchester Auto Insurance

Population: 110,006
Manchester
$1,278
New Hampshire
$1,226

With a population of about 110,000 people, Manchester is the largest city in New Hampshire. It was designed to compete with Manchester, England, the first industrialized city in the world. Today, it is home to several large companies, but it is predominantly a residential and business area with few manufacturing facilities. Several postsecondary schools are located in Manchester and the surrounding area. Residents can expect to pay auto insurance premiums that are slightly higher than the state average.

Nashua Auto Insurance

Population: 86,605
Nashua
$1,161
New Hampshire
$1,226

Nashua, which is located about 20 miles south of Manchester, has a population of about 86,600 people. This makes it the state’s second-largest city. Nashua was once home to several textile companies. In more recent years, it has become the northern tip of Boston’s economic region, situated about 50 miles northwest of the Massachusetts capital. Although Nashua is a pedestrian-friendly city, most people have their own cars. Residents here pay slightly less than the state’s average auto insurance rate.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.