Cheap Car Insurance in New Hampshire for 2024
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Nerdy takeaways
MMG offers the cheapest full coverage in New Hampshire, with an average rate of $1,216 per year, according to NerdWallet's November 2024 analysis.
Full coverage in New Hampshire costs an average of $1,362 per year, or $114 per month.
If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in New Hampshire is $454 per year, or $38 per month.
Auto insurance is an important purchase, but finding cheap car insurance isn’t always easy. NerdWallet found some of the cheapest car insurance companies in New Hampshire to help you compare rates and get a better deal for your coverage.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Keep reading to find the cheapest car insurance in New Hampshire for different driver profiles and coverage types among:
Cheap car insurance in New Hampshire
Here's the cheapest full coverage car insurance in New Hampshire for 35-year-old drivers with different driving records.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | MMG | $1,216 |
| After a DUI | The Hanover | $1,988 |
| After an accident | Mapfre | $1,786 |
| After a speeding ticket | Safety Insurance | $1,230 |
| Having poor credit | Concord Group | $1,786 |
The cheapest car insurance company in New Hampshire is MMG at $1,216 per year on average, or $101 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in New Hampshire. Meanwhile, the average cost of full coverage car insurance in New Hampshire is $1,362 per year, or about $114 per month.
Minimum coverage in New Hampshire is $454 per year on average, but we found you can likely get a cheaper policy. For example, The Hanover offers the cheapest rates in New Hampshire at $228 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
Did your rates go up? Auto insurance prices are on the rise in New Hampshire. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
How we chose the cheapest companies in New Hampshire
NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in New Hampshire and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in New Hampshire. For full coverage, we used the below coverage limits:
$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 coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
Cheap auto insurance in New Hampshire for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Cheapest full coverage car insurance in New Hampshire for 20-year-olds
Drivers in New Hampshire with clean driving records may want to consider the following companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $1,860 | $155 |
| MMG | $2,105 | $175 |
| Concord Group | $2,165 | $180 |
| Geico | $2,416 | $201 |
| Encompass | $2,515 | $210 |
Cheapest minimum coverage car insurance in New Hampshire for 20-year-olds
Drivers in New Hampshire who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $343 | $29 |
| Concord Group | $808 | $67 |
| Geico | $833 | $69 |
| MMG | $900 | $75 |
| Encompass | $910 | $76 |
Cheapest car insurance in New Hampshire for 20-year-olds with poor credit
Drivers with poor credit in New Hampshire should look at the following insurers with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Geico | $1,144 | $95 |
| Concord Group | $1,203 | $100 |
| The Hanover | $1,203 | $100 |
| Allstate | $1,316 | $110 |
| Encompass | $1,364 | $114 |
Cheapest car insurance in New Hampshire for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in New Hampshire, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $428 | $36 |
| Encompass | $910 | $76 |
| Geico | $927 | $77 |
| Concord Group | $931 | $78 |
| Progressive | $1,199 | $100 |
Cheapest car insurance in New Hampshire for 20-year-old drivers with one at-fault crash
For drivers with a recent accident in New Hampshire, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $449 | $37 |
| Geico | $1,190 | $99 |
| Concord Group | $1,265 | $105 |
| Encompass | $1,271 | $106 |
| MMG | $1,322 | $110 |
Cheapest car insurance in New Hampshire for 20-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $498 | $42 |
| Progressive | $1,146 | $95 |
| Geico | $1,397 | $116 |
| Concord Group | $1,427 | $119 |
| MMG | $1,491 | $124 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Cheap auto insurance in New Hampshire for 30-year-old drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Cheapest full coverage car insurance in New Hampshire for 30-year-olds
Drivers in New Hampshire seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Safety Insurance | $1,230 | $103 |
| Encompass | $1,235 | $103 |
| Mapfre | $1,312 | $109 |
| Geico | $1,321 | $110 |
| Concord Group | $1,350 | $113 |
Cheapest minimum coverage car insurance in New Hampshire for 30-year-olds
Drivers in New Hampshire who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $229 | $19 |
| Safety Insurance | $385 | $32 |
| MMG | $402 | $34 |
| Encompass | $413 | $34 |
| Mapfre | $416 | $35 |
Cheapest car insurance in New Hampshire for 30-year-olds with poor credit
Drivers with poor credit in New Hampshire should consider the following companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Mapfre | $581 | $48 |
| Allstate | $598 | $50 |
| Geico | $600 | $50 |
| Encompass | $606 | $51 |
| Safety Insurance | $637 | $53 |
Cheapest car insurance in New Hampshire for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in New Hampshire, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $288 | $24 |
| Safety Insurance | $385 | $32 |
| Encompass | $413 | $34 |
| Geico | $486 | $41 |
| Concord Group | $524 | $44 |
Cheapest car insurance in New Hampshire for 30-year-old drivers with one at-fault crash
For drivers in New Hampshire with a recent accident, here are the lowest average rate options for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $356 | $30 |
| MMG | $590 | $49 |
| Mapfre | $605 | $50 |
| Vermont Mutual | $610 | $51 |
| Encompass | $632 | $53 |
Cheapest car insurance in New Hampshire for 30-year-old drivers after a DUI
For the cheapest auto insurance after a DUI, we found the following options for minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $315 | $26 |
| Progressive | $583 | $49 |
| MMG | $667 | $56 |
| Concord Group | $801 | $67 |
| Safety Insurance | $920 | $77 |
Cheap auto insurance in New Hampshire for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.
Cheapest full coverage car insurance in New Hampshire for 40-year-olds
Drivers in New Hampshire with clean driving records may want to think about the following companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| MMG | $1,115 | $93 |
| Concord Group | $1,177 | $98 |
| Safety Insurance | $1,204 | $100 |
| Mapfre | $1,216 | $101 |
| Encompass | $1,235 | $103 |
Cheapest minimum coverage car insurance in New Hampshire for 40-year-olds
Drivers in New Hampshire who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $232 | $19 |
| MMG | $306 | $26 |
| Safety Insurance | $377 | $31 |
| Concord Group | $377 | $31 |
| Mapfre | $386 | $32 |
Cheapest car insurance in New Hampshire for 40-year-olds with poor credit
Drivers with poor credit in New Hampshire can check out the following insurers with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Mapfre | $540 | $45 |
| Concord Group | $558 | $47 |
| Allstate | $598 | $50 |
| Geico | $600 | $50 |
| Encompass | $606 | $51 |
Cheapest car insurance in New Hampshire for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in New Hampshire, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $301 | $25 |
| Safety Insurance | $377 | $31 |
| Encompass | $413 | $34 |
| MMG | $430 | $36 |
| Concord Group | $432 | $36 |
Cheapest car insurance in New Hampshire for 40-year-old drivers with one at-fault crash
For drivers with a recent accident living in New Hampshire, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $371 | $31 |
| MMG | $450 | $38 |
| Vermont Mutual | $564 | $47 |
| Mapfre | $568 | $47 |
| Concord Group | $585 | $49 |
Cheapest car insurance in New Hampshire for 40-year-old drivers after a DUI
The cheapest minimum coverage auto insurance we found for drivers with a DUI came from the following companies.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $311 | $26 |
| MMG | $509 | $42 |
| Progressive | $533 | $44 |
| Concord Group | $659 | $55 |
| Safety Insurance | $908 | $76 |
Cheap auto insurance in New Hampshire for 50-year-old drivers
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Cheapest full coverage car insurance in New Hampshire for 50-year-olds
Drivers in New Hampshire with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| MMG | $1,025 | $85 |
| Safety Insurance | $1,041 | $87 |
| Encompass | $1,091 | $91 |
| Mapfre | $1,108 | $92 |
| Concord Group | $1,118 | $93 |
Cheapest minimum coverage car insurance in New Hampshire for 50-year-olds
Drivers in New Hampshire who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $232 | $19 |
| MMG | $280 | $23 |
| Safety Insurance | $328 | $27 |
| Mapfre | $352 | $29 |
| Concord Group | $352 | $29 |
Cheapest car insurance in New Hampshire for 50-year-olds with poor credit
Drivers with poor credit in New Hampshire can check with the following companies, which showed the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Mapfre | $490 | $41 |
| Concord Group | $521 | $43 |
| Allstate | $529 | $44 |
| Safety Insurance | $539 | $45 |
| Encompass | $583 | $49 |
Cheapest car insurance in New Hampshire for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in New Hampshire, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $311 | $26 |
| Safety Insurance | $328 | $27 |
| MMG | $394 | $33 |
| Encompass | $397 | $33 |
| Concord Group | $405 | $34 |
Cheapest car insurance in New Hampshire for 50-year-old drivers with one at-fault crash
For drivers living in New Hampshire with a recent accident, here are the insurers with the lowest average minimum coverage rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $282 | $23 |
| MMG | $411 | $34 |
| Vermont Mutual | $518 | $43 |
| Mapfre | $525 | $44 |
| Concord Group | $547 | $46 |
Cheapest car insurance in New Hampshire for 50-year-old drivers after a DUI
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $305 | $25 |
| MMG | $465 | $39 |
| Progressive | $484 | $40 |
| Concord Group | $615 | $51 |
| Safety Insurance | $843 | $70 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Cheap auto insurance in New Hampshire for 60-year-old drivers
Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.
Cheapest full coverage car insurance in New Hampshire for 60-year-olds
Drivers in New Hampshire with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Safety Insurance | $1,041 | $87 |
| MMG | $1,043 | $87 |
| Encompass | $1,074 | $90 |
| Mapfre | $1,108 | $92 |
| Concord Group | $1,129 | $94 |
Cheapest minimum coverage car insurance in New Hampshire for 60-year-olds
Drivers in New Hampshire who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $220 | $18 |
| MMG | $290 | $24 |
| Safety Insurance | $328 | $27 |
| Mapfre | $352 | $29 |
| Concord Group | $358 | $30 |
Cheapest car insurance in New Hampshire for 60-year-olds with poor credit
Drivers with poor credit in New Hampshire can look at the following companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Mapfre | $490 | $41 |
| Allstate | $529 | $44 |
| Concord Group | $531 | $44 |
| Safety Insurance | $539 | $45 |
| Encompass | $569 | $47 |
Cheapest car insurance in New Hampshire for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in New Hampshire, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $304 | $25 |
| Safety Insurance | $328 | $27 |
| Encompass | $389 | $32 |
| MMG | $407 | $34 |
| Concord Group | $411 | $34 |
Cheapest car insurance in New Hampshire for 60-year-old drivers with one at-fault crash
For drivers with a recent accident living in New Hampshire, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $268 | $22 |
| MMG | $426 | $36 |
| Vermont Mutual | $518 | $43 |
| Mapfre | $525 | $44 |
| Concord Group | $556 | $46 |
Cheapest car insurance in New Hampshire for 60-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $288 | $24 |
| Progressive | $461 | $38 |
| MMG | $481 | $40 |
| Concord Group | $627 | $52 |
| Safety Insurance | $843 | $70 |
Cheap auto insurance in New Hampshire for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in New Hampshire for 70-year-olds
Drivers in New Hampshire with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Encompass | $1,076 | $90 |
| Safety Insurance | $1,204 | $100 |
| Concord Group | $1,212 | $101 |
| Mapfre | $1,216 | $101 |
| The Hanover | $1,264 | $105 |
Cheapest minimum coverage car insurance in New Hampshire for 70-year-olds
Drivers in New Hampshire who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $246 | $20 |
| Safety Insurance | $377 | $31 |
| Encompass | $383 | $32 |
| Mapfre | $386 | $32 |
| MMG | $399 | $33 |
Cheapest car insurance in New Hampshire for 70-year-olds with poor credit
Drivers with poor credit in New Hampshire can look at the following companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Mapfre | $540 | $45 |
| Allstate | $546 | $45 |
| Encompass | $562 | $47 |
| Concord Group | $595 | $50 |
| Safety Insurance | $624 | $52 |
Cheapest car insurance in New Hampshire for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in New Hampshire, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $357 | $30 |
| Safety Insurance | $377 | $31 |
| Encompass | $383 | $32 |
| Concord Group | $461 | $38 |
| Geico | $521 | $43 |
Cheapest car insurance in New Hampshire for 70-year-old drivers with one at-fault crash
For drivers with a recent accident living in New Hampshire, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $323 | $27 |
| Vermont Mutual | $556 | $46 |
| Mapfre | $568 | $47 |
| Encompass | $585 | $49 |
| MMG | $589 | $49 |
Cheapest car insurance in New Hampshire for 70-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $331 | $28 |
| Progressive | $605 | $50 |
| MMG | $666 | $56 |
| Concord Group | $702 | $59 |
| Safety Insurance | $908 | $76 |
Cheapest car insurance for military families in New Hampshire
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 57 of the 70 driver profiles we examined.
Minimum coverage car insurance in New Hampshire
The state of New Hampshire requires drivers to carry at least the following coverages and limits:
$25,000 bodily injury liability per person.
$50,000 bodily injury liability per incident.
$25,000 property damage liability per incident.
$25,000 uninsured/underinsured motorist bodily injury coverage per person.
$50,000 uninsured/underinsured motorist bodily injury coverage per incident.
$25,000 uninsured/underinsured property damage coverage per incident.
$1,000 medical payments coverage.
As an alternative, you may be able to provide proof of financial responsibility by depositing money or securities with the state treasury.
New Hampshire may require you to buy car insurance if you’re convicted of certain offenses. Those include:
Driving while intoxicated (DWI).
Underage DWI.
Leaving the scene of an accident.
Conduct after an accident.
Second offense of reckless operation.
If you commit one of these offenses, your insurer will file an SR-22 certificate with the state, and if you continue to drive, you’ll be required to carry insurance for the next three years, in most cases. If you commit another offense, that time limit can be extended.
Alternative car insurance in New Hampshire
Drivers who are unable to get car insurance on the voluntary market because of at-fault crashes, poor credit or other factors can apply for coverage through the state’s New Hampshire Automobile Insurance Plan.
For more help finding cheap car insurance in New Hampshire, try NerdWallet’s car insurance comparison tool.
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$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 coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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