Car Insurance in New Hampshire: 2026 Rates & Guide
New Hampshire is one of the cheapest states for car insurance. The average driver pays $81/month ($972/year). Here's how to find the best rate for your situation.
$81
Avg Monthly
$972
Avg Annual
#47
Cost Rank (1=priciest)
$62
Cheapest Option/mo
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Cheapest Car Insurance Companies in New Hampshire (2026)
Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.
Top insurers in New Hampshire — sorted by average monthly rate
| # | Company | Est. Monthly | Rating | |
|---|---|---|---|---|
| 1 | ★ BestAmica | $62/mo | 4.8 | Get Quote |
| 2 | State Farm | $66/mo | 4.5 | Get Quote |
| 3 | GEICO | $68/mo | 4.3 | Get Quote |
| 4 | Progressive | $72/mo | 4.1 | Get Quote |
| 5 | Concord Group | $60/mo | 4.4 |
Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.
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New Hampshire Car Insurance Requirements
Minimum Coverage: 25/50/25
New Hampshire is an at-fault state. The driver who causes an accident is financially responsible.
- Car insurance is not legally required in NH — but drivers must prove financial responsibility
- If you buy insurance, minimum is 25/50/25
- Uninsured drivers must post a $125,000 bond or equivalent
New Hampshire Insurance Facts
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How to Get Cheaper Car Insurance in New Hampshire
Compare at least 3–5 quotes
Rates vary by 40–60% between companies for the same driver profile.
Raise your deductible
Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.
Bundle home + auto
Multi-policy discounts average 15–25% across major insurers.
Try usage-based insurance
Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.
Ask about all discounts
Good student, military, professional association, and low-mileage discounts are often unclaimed.
Improve your credit score
In most states, a good credit score can lower premiums by 20–50%.
Car Insurance in New Hampshire — FAQs
What is the average cost of car insurance in New Hampshire?
What is the minimum car insurance required in New Hampshire?
Which company has the cheapest car insurance in New Hampshire?
Is New Hampshire a no-fault car insurance state?
How can I lower my car insurance in New Hampshire?
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