Reviews Report
- The best car insurance company in New Hampshire is Amica, earning a 5 out of 5 based on customer satisfaction, discounts, coverage, and more.
- The cheapest providers in New Hampshire are USAA and Amica, both with average annual premiums under $350.
- Drivers are not legally required to carry insurance in New Hampshire, but it is highly recommended.
Finding the best auto insurance in New Hampshire can be difficult if you don’t live in the insurance world, but a good New Hampshire insurance company should be financially strong, have strong customer service, and offer naturally low premiums. To narrow down the list of contenders, we looked at ratings from AM Best, reviews from J.D. Power, and average annual premiums from Coverage.com. Based on this criteria, we determined the top car insurance companies in New Hampshire to be Amica, USAA, Progressive, and Allstate.
The 4 Best Auto Insurance Companies in New Hampshire
- Amica: Best Overall New Hampshire Car Insurance Company
- USAA: Best New Hampshire Car Insurance Company for Military
- Progressive: Best New Hampshire Car Insurance Company for Discounts
- Allstate: Best New Hampshire Car Insurance Company for Students
Compare the Best Car Insurance Companies in New Hampshire
| Full Coverage Annual Premium* | State Minimum Annual Premium* | Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. | J.D. Power Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | ||
|---|---|---|---|---|---|---|
| Pin Amica | $1,313.45 | $330.23 | 5 | 863 | A+ | |
| Pin USAA | $836.62 | $280.96 | 4.8 | 895 | A++ | |
| Pin Progressive | $1,546.76 | $537.29 | 4.4 | 819 | A+ | |
| Pin Allstate | $1,551.91 | $570.51 | 4 | 807 | A+ |
Information accurate as of April 2021
*Data provided by Coverage.com
**J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Study for the New England Region. Based on a 1,000-point scale.
Best Overall Car Insurance Company
WHY WE CHOSE IT
Why we chose it
Pros
- Offers dividend policies
- Offers multiple discounts
- Strong customer service ratings
Cons
- Not available nationwide
- Does not offer rideshare coverage
- Some customers complain about premium increases
Add-On Coverage
- PIP (Personal injury protection)
- Glass coverage
- Roadside assistance
- Gap insurance
- Accident forgiveness
- Rental car reimbursement
Discounts Available
- Policy bundling
- Loyalty
- Claims-free
- Homeownership
- Pay in full
- Student away at school
- Generational
- Defensive driving
- Vehicle discounts (anti-theft, adaptive headlights, ect.)
More Amica Insurance Reviews
Best for Military Members
WHY WE CHOSE IT
Why we chose it
Pros
- Strong customer service
- Strong financial strength
- Naturally low premiums
Cons
- Only available to active and retired military members
- Few branch locations
- Fewer discounts than competitors
Add-On Coverage
- Comprehensive
- Collision
- Liability
- Uninsured/underinsured
- Full
- Rideshare
Discounts Available
- Multi-car
- Good driver
- New car
- Garage
- Loyal customer
More USAA Insurance Reviews
Best Car Insurance for Discounts
WHY WE CHOSE IT
Why we chose it
Pros
- More discounts than some competitors
- Fast claims process
- Multiple add-on policies
Cons
- Average customer service
- Does not offer all of its discounts to every state
- More expensive than some other providers
Add-On Coverage
- Roadside assistance
- Gap insurance
- Rental car reimbursement
- Custom parts and equipment coverage
- Rideshare coverage
- Deductible savings bank
Discounts Available
- Multi-policy
- Multi-vehicle
- Continuous insurance
- Snapshot® Program
- Distant student
- Homeowner
- Teen driver
- Good student
- Online quote
- Sign online
More Progressive Insurance Reviews
Best Car Insurance for Students
WHY WE CHOSE IT
Why we chose it
Pros
- Great discount options for students
- Claims-free rewards program
- Strong financial strength
Cons
- Average customer service scores
- Only sells 6-month plans
- Customers may have trouble with online quote tool
Types of Coverage Offered
- Uninsured/underinsured
- PIP
- Rental reimbursement
- Roadside assistance
- Gap coverage
Discounts Available
- New car
- Defensive driver
- Multi-policy
- Good student
- Paperless
More Allstate Insurance Reviews
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in New Hampshire
New Hampshire is the 8th cheapest state for car insurance. The average price New Hampshire drivers pay is $1,137 a year for full coverage and $427 for the minimum coverage. The U.S. average for full coverage is currently $1,555.
A lot of factors influence what insurance companies charge drivers in any state. These include:
- Amount of claims filed each year
- Crime statistics
- Yearly weather patterns
- Driving statistics
Though New Hampshire receives its share of winter weather, it appears New Hampshire drivers are well equipped to handle what mother nature throws at them. The Insurance Institute for Highway Safety found that in 2019 New Hampshire only had 7.4 deaths per 100,000 people (the U.S. average is 11).
Keep in mind that other factors may influence your personal premium and that you may pay more or less than the state average premiums. The following variables affect all drivers in every state:
- Age
- Driving history
- Gender
- Marital status
- Credit score
- Age, make, and model of car
- Home address
- Type(s) of coverage
- Deductible amount
Top 3 Cheapest Car Insurance Companies in New Hampshire
| Company | Average Annual Premium |
| USAA | $280.96 |
| Amica | $330.23 |
| Concord | $335.63 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Most Expensive Car Insurance Companies in New Hampshire
| Company | Average Annual Premium |
| The Hanover | $1,441.94 |
| Metropolitan | $815.97 |
| Allstate | $570.51 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Cheapest Cities for Car Insurance in New Hampshire
| City | Average Annual Premium* |
| Claremont | $580.40 |
| Lebanon | $599.28 |
| Hanover | $600.49 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Most Expensive Cities for Car Insurance in New Hampshire
| City | Average Annual Premium* |
| Manchester | $791.22 |
| Derry | $733.13 |
| South Hooksett | $703.46 |
* Data provided by Coverage.com, price based on the state minimum required policy.
New Hampshire Car Insurance: What You Need to Know
Even though New Hampshire does not require all drivers to have car insurance, it only has an uninsured motorists rate of 9.9%, which is pretty low compared to other states (Florida, for example, is at 26.7%). Still, accidents are going to happen, and it’s best to be insured when they do.
Here’s what you need to know about driving in New Hampshire:
- New Hampshire’s overall traffic fatality rate of 1.07 fatalities per 100 million vehicle miles of travel (VMT) in 2018 was lower than the national average of 1.13.
- In 2019, New Hampshire traffic fatalities decreased from 147 fatalities in 2018 to 101 fatalities.
- There were 33,592 crashes in New Hampshire reported in 2019.
New Hampshire Minimum Insurance Requirements
Drivers are not legally required to have car insurance in New Hampshire but must be able to prove they meet the state’s financial responsibility requirements. If a driver does purchase car insurance in New Hampshire, it must, at minimum, be a 25/50/25 policy.
Minimum liability — if purchased — required in the state of New Hampshire is as follows:
- $25,000 bodily injury coverage per person.
- $50,000 bodily injury coverage per accident.
- $25,000 for property damage.
Additional Car Insurance Coverage in New Hampshire
- Collision: Collision car insurance pays for damages to your car sustained while it was moving — meaning it will pay for your repair costs after a collision with another car or some other object, such as a tree or road sign.
- Comprehensive: Comprehensive coverage pays for your car’s repairs after it is damaged from an event that did not involve a collision. Comprehensive commonly pays for such things as hail damage, vandalism, and falling objects.
- Towing and Labor Cost: Towing and labor cost pays for jump starts, gas or oil delivery, tire changes, towing, and locksmiths. It’s a smart option to have for younger drivers on your policy, or anyone uncomfortable changing a tire.
- Gap Coverage: New cars depreciate the moment they’re driven off the lot, but the loan amount used to purchase them remains the same. Therefore, because of depreciation, your insurance company may not reimburse you enough to pay off your loan if you are in an accident. In these events, gap coverage would kick in and pay off the remaining loan amount.
New Hampshire Car Insurance FAQ
Methodology
Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in New Hampshire, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you.
As for average pricing, we used Coverage.com’s data of car insurance in New Hampshire, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:
- $100K bodily injury liability per person
- $300K bodily injury liability coverage per crash
- $100K property damage liability coverage per crash
- $500 collision coverage deductible
- $500 comprehensive coverage deductible
Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.
About the Authors
Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.
