Reviews Report
- The cheapest provider in New Hampshire is USAA, with an average annual full coverage premium of $$681, according to Bankrate.com.
- 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 2021 average annual premiums from Bankrate.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-Centric Options
- 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* | 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 | $1,063 | $250 | 867 | A+ | |
| Pin USAA | $681 | $186 | 887 | A++ | |
| Pin Progressive | $2,351 | $876 | 840 | A+ | |
| Pin Allstate | $2,012 | $526 | 810 | A+ |
Information accurate as of July 2021
*Data provided by Bankrate.com
**J.D. Power’s 2021 Auto Insurance Satisfaction Study for the New England Region. Based on a 1,000-point scale. USAA not officially rated due to eligibility restrictions.
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
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-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- Strong customer service
- Strong financial strength
- Low average 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 Student Savings
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 Bankrate.com.
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the New England region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in New Hampshire
The average price New Hampshire drivers pay is $1,275 per year for full coverage and $389 for the minimum coverage, according to 2021 data from Bankrate.com. The U.S. average for full coverage is currently $1,674 per year, for comparison.
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 Full Coverage Premium* |
| USAA | $681 |
| MMG | $725 |
| Nationwide | $851 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Car Insurance Companies in New Hampshire
| Company | Average Annual Full Coverage Premium* |
| The Hanover | $3,315 |
| Progressive | $2,351 |
| Allstate | $2,012 |
* Data provided by Bankrate.com.
Top 3 Cheapest Cities for Car Insurance in New Hampshire
| City | Average Annual Full Coverage Premium* |
| West Swanzey | $1,153 |
| Keene | $1,161 |
| Contoocook | $1,173 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Cities for Car Insurance in New Hampshire
| City | Average Annual Full Coverage Premium* |
| Manchester | $1,532 |
| East Hampstead | $1,459 |
| Pinardville | $1,436 |
* Data provided by Bankrate.com.
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 reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in New Hampshire, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
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.
