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The Best Car Insurance Companies in New Hampshire

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    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 4.8895 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.

    Amica

    Best Overall Car Insurance Company

    WHY WE CHOSE IT

    Amica offers dividend policies, which enables drivers to get back up to 20% of their premium each year. Furthermore, it’s low average premiums, strong financial rating and No. 1 customer satisfaction score make it the best New Hampshire car insurance company.
    • 5 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $330.23* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 863** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Amica offers dividend policies, which enables drivers to get back up to 20% of their premium each year. Furthermore, it’s low average premiums, strong financial rating and No. 1 customer satisfaction score make it the best New Hampshire car insurance company.

    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
    Read More

    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

    USAA

    Best for Military Members

    WHY WE CHOSE IT

    Current and retired military members will find top-notch customer service, low premiums, and special perks if they buy car insurance through USAA.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $280.96* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 895** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Current and retired military members will find top-notch customer service, low premiums, and special perks if they buy car insurance through USAA.

    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
    Read More

    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

    Progressive

    Best Car Insurance for Discounts

    WHY WE CHOSE IT

    Progressive offers an extensive amount of discounts for young drivers and experienced drivers, as well as loyal and new customers to help drivers save on annual premiums.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $537.29* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 819** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive offers an extensive amount of discounts for young drivers and experienced drivers, as well as loyal and new customers to help drivers save on annual premiums.

    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
    Read More

    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

    Allstate

    Best Car Insurance for Students

    WHY WE CHOSE IT

    Offers multiple ways for young drivers (and their parents) to save on their car insurance.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $570.51* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 807** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Offers multiple ways for young drivers (and their parents) to save on their car insurance.

    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
    Read More

    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

    CompanyAverage 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

    CompanyAverage 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

    CityAverage 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

    CityAverage 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

    Lauren Ward Contributing Writer

    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.

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