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Home to roughly 1.4 million residents, New Hampshire is the 10th least populous state in the nation, according to the latest figures from the U.S. Census. New Hampshire is relatively small, covering just 8,953 square miles. Relative to other states, it falls about mid-pack when it comes to population density, with 152 residents per square mile. 

According to the most recent data published by the Federal Highway Administration, there are 1.1 million licensed drivers in the state of New Hampshire, split evenly between men and women. A vast majority of the state’s residents are licensed to drive. For every 1,000 New Hampshire residents, 821 are licensed drivers. It’s estimated that there are 1.8 million registered vehicles traveling the state’s highways and byways.

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Unlike most states in the nation, New Hampshire does not require its licensed drivers to purchase car insurance. Keep in mind, though, that the New Hampshire Office of Highway Safety reports that there were 29,862 traffic crashes across the state in 2017. A crash can create huge medical expenses, and if you’re at fault, you may be held liable for damages. Car insurance can help protect your assets if you suffer a mishap on the road. 

With all this in mind, it’s a good idea for New Hampshire residents to invest in car insurance. In this article, we’ll examine the state’s car insurance laws. We’ll also share insight that can help you find New Hampshire car insurance providers that offer the lowest rates. 

Cheapest Car Insurance Companies in New Hampshire

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from nine largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in New Hampshire

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35 and 60 who drive 12,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

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How Much Does Car Insurance Cost in New Hampshire?

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According to our study, New Hampshire’s representative car insurance rates are a lot lower than the national average. Average annual representative car insurance rates from the country’s top nine insurers range from $895 to $1,778 across the entire U.S. The nationwide average annual representative car insurance rate is $1,323. In New Hampshire, representative rates from the nine insurers that took part in our research range from $591 to $1,419. The average annual representative rate for car insurance in New Hampshire is a mere $897. 

Please remember that all the rates discussed in this article are representative averages. They may not be reflective of the actual premiums that you pay for New Hampshire car insurance. Your car insurance rates may be largely dependent on factors unique to your driving history and background. These include things such as your age and marital status, as well as the number of accidents and moving violations on your driving record.

New Hampshire Car Insurance Rates by Age

We wanted to learn more about how age affects car insurance in New Hampshire. Our study used representative driver profiles with medium insurance coverage and a clean driving record. Your credit history can impact car insurance rates, and our study used driver profiles with good credit. Our profiles included male and female drivers that log 12,000 miles annually, and the vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our study reveals that the profile of a 25-year-old male New Hampshire driver has an average representative car insurance rate of $1,100. For a New Hampshire female driver of the same age, the profile has a study rate of $962. 

As our driver profiles get older, the rates in our analysis drop. A male driver profile who is 35 years old has an average representative rate of $849, and the rate for a female driver profile in the same age group is $851. According to our study, 60-year-old driver profiles enjoy the lowest representative rates in New Hampshire. A male profile in this age group pays just $825 per year. For female driver profiles in this age group, the rate drops to $793. 

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$1,466.55

$1,386.92

$1,398.15

$1,321.56

$1,534.05

$1,405.90

Geico

$1,229.89

$789.13

$729.68

$752.33

$673.52

$673.52

Nationwide

$1,188.59

$1,089.83

$929.69

$912.97

$849.29

$797.12

Progressive

$935.10

$925.02

$683.17

$757.84

$640.34

$627.99

State Farm

$1,041.15

$903.64

$804.47

$804.47

$740.04

$740.04

USAA

$737.09

$676.02

$547.30

$557.36

$513.94

$512.68

New Hampshire Car Insurance Rates by Credit Score

Poor credit can hurt your car insurance rates. We were interested in learning more about the impact that credit score can have on a driver’s annual car insurance premiums. To figure this out, our study used driver profiles in three categories: good credit, fair credit, and poor credit.  Our profiles consisted of male and female drivers who are 25, 35, and 60 years old. Each profile drove 12,000 miles each year and had medium insurance coverage, as well as a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

According to our research involving average representative rates, New Hampshire car insurance costs $1,438 per year for a driver profile with poor credit. For a driver profile with fair credit, this rate drops by roughly $400. A driver profile with good credit can expect to pay an average representative rate that’s about $500 less than a profile with poor credit. 

Company

Good

Fair

Poor

Allstate

$1,418.86

$1,498.60

$1,994.90

Geico

$808.01

$942.11

$1,171.47

Nationwide

$961.25

$1,032.59

$1,239.37

Progressive

$761.58

$950.99

$1,317.31

State Farm

$838.97

$1,076.84

$1,787.14

USAA

$590.73

$725.13

$1,117.73

New Hampshire Car Insurance Rates by Driving Record

Many people realize that their driving record can have a potent effect on their car insurance rates. Things like accidents and speeding tickets can cause your rates to rise. 

We took a look at the impact that driving record can have on New Hampshire car insurance. Our study used male and female driver profiles aged 25, 35, and 60 with good credit and medium insurance coverage. Our driver profiles accrued 12,000 miles of annual mileage, and the vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

In New Hampshire, a profile with a clean driving record will pay an average representative rate of $897, based on the findings generated in our study. A single speeding violation will cause that study rate to rise by about $100.  A driver profile with one accident will pay an average representative rate that’s about $400 more than the rate paid by a driver profile with a clean record. A New Hampshire driver profile with a DUI will pay an average representative rate of $1,445, which is about $550 more than the study rate paid by a profile with a clean record. 

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,418.86

$1,630.05

$1,887.49

$1,782.47

Geico

$808.01

$808.01

$1,044.57

$1,434.57

Nationwide

$961.25

$1,124.79

$1,684.31

$2,174.18

Progressive

$761.58

$1,058.73

$1,437.43

$954.08

State Farm

$838.97

$838.97

$973.09

$1,363.09

USAA

$590.73

$680.48

$810.25

$963.39

New Hampshire Car Insurance Rates by Coverage Type

Most states have minimum insurance coverage requirements. However, many drivers choose to exceed these minimums to ensure that they have enough insurance to protect their assets. To figure out what impact coverage type has on rates, we looked at profiles with three levels of coverage: low, medium, and high. Our study focused on male and female driver profiles aged 25, 35, and 60 who drive 12,000 miles annually and have good credit. Our profiles have clean driving records, and we used the following vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

For a New Hampshire driver profile with low car insurance coverage, the average representative rate stands at $877. For medium coverage, the representative rate increases by about $20. A New Hampshire driver profile with high car insurance coverage pays an average representative rate of $927, which is $50 more than the rate paid by a profile with low coverage. 

In New Hampshire, there isn’t a huge spread between the average representative rates charged for high and low coverage. For this reason, it’s easy to make a case for getting high coverage. This kind of insurance will provide maximum protection in an accident with just a marginal increase in annual premium cost. 

Company

Low

Medium

High

Allstate

$1,379.53

$1,418.86

$1,464.06

Geico

$772.57

$808.01

$859.04

Nationwide

$1,011.98

$961.25

$945.01

Progressive

$738.18

$761.58

$785.68

State Farm

$790.67

$838.97

$888.34

USAA

$567.24

$590.73

$620.37

New Hampshire Car Insurance Rates by Annual Mileage

Your annual mileage will impact your car insurance rates, and it’s easy to see why. All other things being equal, a person who rarely drives is less likely to have a car crash than someone who is frequently behind the wheel, since an infrequent driver spends less time on the road. 

To understand the relationship between annual mileage and car insurance rates, we looked at two driver profiles. The first drives 6,000 miles annually, and the second puts 12,000 miles on the odometer each year. Our study used male and female driver profiles aged 25, 35, and 60 with medium insurance coverage, a clean driving record and good credit. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

In New Hampshire, a profile that drives 6,000 miles annually can expect to pay an average representative rate of $868 for car insurance, according to our study. For a driver profile that logs 12,000 miles each year on the odometer, the average representative rate increases to $897. 

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,384.59

$1,418.86

Geico

$778.99

$808.01

Nationwide

$961.25

$961.25

Progressive

$761.58

$761.58

State Farm

$754.85

$838.97

USAA

$564.55

$590.73

New Hampshire Car Insurance Rates by City

Within each state, car insurance rates can vary dramatically from city to city. To get a sense of how these differences affect New Hampshire car insurance premiums, we looked at average representative rates across 10 of New Hampshire’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study:  the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Among the New Hampshire cities examined in our study, Manchester has the highest representative rate: $1,061. Nashua is next, with a representative rate of $967. Portsmouth is in third place, with a representative rate of $910.  There’s good news for New Hampshire residents living in the city of Lebanon. That town has the lowest car insurance costs in our study, with an average representative rate of $832. 

There is no single factor that determines what insurance rates will look like in a town or city. Rates can be influenced by population density and crime levels. Rates may also be impacted by a city’s accident statistics. 

City

Average Rate

Manchester

$1,060.53

Nashua

$967.00

Concord

$851.00

Dover

$887.93

Rochester

$867.06

Keene

$849.06

Portsmouth

$909.75

Laconia

$876.62

Lebanon

$831.55

Claremont

$875.31

New Hampshire Auto Insurance Minimum Coverage Requirements

Most states in the U.S have minimum car insurance coverage requirements, but New Hampshire is the exception. For most drivers, car insurance isn’t mandatory in New Hampshire. However, if you cause an accident, you must be able to show you have sufficient funds to meet the state’s motor vehicle financial responsibility requirements. These requirements are as follows:

  • Bodily injury liability: $25,000 per person, $50,000 per accident

  • Property damage liability: $25,000 per accident

You can show proof of financial responsibility by purchasing a car insurance policy or by depositing money or securities with the state treasurer. If you’re unable to meet these requirements, your driving privileges in New Hampshire may be suspended. 

New Hampshire law may require certain drivers to purchase car insurance, and this is dependent on a person’s driving record. For example, a driver who has been convicted of a DUI is required to carry car insurance for at least three years after the date of conviction for a first offense. A driver who has been found at fault in an uninsured accident must purchase car insurance coverage for at least three years subsequent to the date of the crash. If the state requires you to purchase car insurance, the New Hampshire Division of Motor Vehicles will notify you in writing. 

If you’re required by law to purchase car insurance in New Hampshire, your mandatory minimum coverage requirements for body injury liability and property damage liability are same as those that are included in the state’s motor vehicle financial responsibility laws. You’re also required to purchase at least $1,000 of medical payments coverage, as well as uninsured motorist coverage at limits equal to your auto liability coverage. 

As mentioned, auto insurance isn’t mandatory in New Hampshire. But if you do decide to purchase an auto insurance policy for personal use, you’re required by law to obtain liability insurance, medical payments coverage, and uninsured motorist coverage at the minimum limits discussed in the paragraph above.

In cases where you’re at fault in an accident that causes injury to others, bodily injury liability insurance will protect you in a claim made by the injured party, and it will help cover their medical costs. However, this type of insurance won’t cover your personal medical costs in an accident.  

If you’ve caused an accident that has resulted in damage to another person’s vehicle or property, property damage liability insurance will pay the bill. This insurance will pay for repair costs associated with the damaged vehicle or property, up to the limits of your policy. 

Uninsured motorist coverage will pay your medical expenses if you’re involved in a hit-and-run accident, or one caused by an uninsured driver. Medical payments coverage pays for the medical costs incurred by an accident, regardless of who is at fault. 

Cheapest Car Insurance in New Hampshire

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Male Young Adult Drivers

Progressive

Single Female Young Adult Drivers

Geico

Married Male Adult Drivers

Progressive

Married Female Adult Drivers

Geico

Senior Drivers

Progressive

Drivers with Good Credit

Progressive

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Progressive

Drivers with One Speeding Violation

Geico

Drivers with One Accident

State Farm

Drivers with One DUI

Progressive

Low-mileage Drivers

State Farm

High-mileage Drivers

Progressive

Drivers with Low Coverage

Progressive

Drivers with High Coverage

Progressive

Drivers with Used Cars

Progressive

Drivers with New Cars

Geico

So, which New Hampshire car insurance companies offer the lowest rates? To find out, our study used representative driver profiles that put 12,000 miles on the odometer each year. Our profiles have a clean driving record, along with good credit and medium insurance coverage. Male and female drivers who are 25, 35, and 60 years old are included in our profiles. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are used in our study.

Not surprisingly, our research shows that the cheapest type of car insurance in New Hampshire is low coverage. Among the companies we looked at in our study, USAA offers the best average representative rates for low-coverage insurance, with an average annual representative rate of $567. Progressive is in second place, with a representative rate of $738. Geico comes in third with an annual representative rate of $773.  

Know that to qualify for the best rates, you’ll need to have a clean driving record and good credit. 

Factors such as your background, driving history, and affiliations will impact each company’s representative rates. For driver profiles with a military affiliation (members of the uniformed services, veterans, or their families), our study indicates that USAA offers the best representative rates. For single young male adults and married male adults, Progressive offers the lowest representative rates. Geico offers the lowest representative rates for single young female adults and married female adults. Geico offers the lowest representative rate for driver profiles with a speeding violation or poor credit. 

Why Car Insurance Rates Vary in New Hampshire

When it comes to the rates charged by car insurance companies, statistics play a primary role. Statistics show that drivers who have had a prior accident or speeding ticket are most likely to suffer a car crash. As a result, these drivers usually pay higher rates for their car insurance. This rule applies not just to New Hampshire, but to all states across the nation.

Crash statistics also show that a driver’s age, driving experience, and financial history can predict how likely that person is to get into a car accident. Because of this data, the lowest insurance premiums tend to go to older drivers with good credit scores. 

Within each state, car insurance rates can vary from city to city. This is made clear by the differing representative rates in New Hampshire towns such Nashua, Concord, and Manchester. Again, statistics play a big role here. Car insurance premiums may be steeper in cities with high crime rates. 

BartekSzewczyk / Getty Images

How to Get the Cheapest Car Insurance in New Hampshire

You can save a lot of money by shopping around when purchasing car insurance. Get quotes from several providers before deciding which policy you want to buy. 

Also, keep an eye out for money-saving discounts. Many insurance companies offer affiliation discounts for those who work in certain professions. If you’ve worked in the military, or if you work as a lawyer, doctor, scientist, firefighter, or police officer, you may be eligible for discounts with certain insurers. 

You can also qualify for lower rates by bundling your insurance policies. If you own a home, your insurance provider may give you a discount if you turn to that company for both your car insurance and home insurance coverage. And if you live in household with more than one vehicle, you may be able to obtain a discount by buying your car insurance policies from the same company.  

Be proactive when seeking discounts. Insurance companies won’t always let you know up front if you qualify for a lower rate, so be sure to ask questions.

Finally, remember that your driving record plays a key role in your car insurance rate. Maintaining a clean driving record is one of the most effective steps you can take toward maintaining a low rate. 

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Important Laws Around Auto Insurance in New Hampshire

In most states, car insurance liability laws may either be at-fault (also known as tort liability) or no-fault. The two differ when it comes to a victim’s right to sue. They also differ when it comes to which party is assigned responsibility for covering the damages incurred by the injured person. 

With at-fault insurance,  the insurance company of the person who caused the crash is responsible for paying for injuries related to the accident. At-fault insurance places no restrictions on a victim’s right to sue the person who has caused an accident. The driver who is at fault in a traffic accident can be sued for the medical costs of the injured parties, as well as their pain and suffering. 

No-fault insurance laws require all drivers to buy a personal injury protection policy. All injured parties have to file claims with their own insurance providers if there’s a crash, regardless of who is at fault in the accident. Also, with no-fault insurance, a victim’s right to sue is restricted. An injured party can sue only if their injuries meet a certain threshold. 

New Hampshire has at-fault car insurance laws. This means that if you’re at fault in an accident, your liability insurance will pay for injuries to other parties. It also means that there are no restrictions placed on a victim’s right to sue you if you cause a crash.   

Many states have enacted laws that allow you to substitute a digital insurance card with a physical one. New Hampshire has laws in place that allow you to use digital insurance cards. 

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New Hampshire Driving Laws and Punishments

In New Hampshire, the law prohibits drivers for texting or using a handheld cell phone while behind the wheel. Texting while driving is a primary offense in this state. This means a police officer can stop a driver solely for sending or viewing a text while driving, without observing any other violation. The fine for texting while driving is $100 for the first offense, and it can climb as high as $500 for subsequent offenses. 

New Hampshire does not have a seat belt law for adults, but seat belts are required for all passengers who are younger than 18. Children who are younger than seven years old and under 57 inches in height must be secured in a child passenger restraint system.  Under New Hampshire law, riding in the cargo area of a pickup truck is permitted. 

When it comes to alcohol-related DUI offenses, most states have set a blood alcohol limit of 0.08 percent, and this is the limit upheld in New Hampshire.  As with all other states and the District of Columbia, the legal drinking age in New Hampshire is 21.

New Hampshire has a chemical test law with an implied consent provision. If you’re operating a vehicle on a public street and you’re suspected of driving under the influence, by law, you have to agree to a chemical test to determine your blood alcohol level. If you fail the test or refuse to take it, your driver’s license may be suspended or revoked. 

In New Hampshire, a DUI conviction is usually a class B misdemeanor. It’s punishable by a fine of at least $500. The offender’s driving privileges will be revoked for between nine months and two years, and they can’t be restored until the driver attends an Impaired Driver Care Management Program. The punishments are harsher if you exceed the speed limit by more than 30 miles while driving under the influence, or if you cause an accident that results in grave harm to another party. In this scenario, the crime is viewed as either a class A misdemeanor or a Class B felony in New Hampshire. 

If you’re an impaired driving offender, you’re required by New Hampshire law to use an ignition interlock device on your vehicle. This device tests your blood alcohol level before you start the car. If your level exceeds the legal limit, it temporarily locks the car’s ignition. 

New Hampshire drivers aren’t required to get uninsured motorist insurance coverage. 

New Hampshire Car Insurance FAQs

Is car insurance required in New Hampshire?

No, car insurance isn’t required in New Hampshire. However, if you are at fault in an accident, you will be required to prove you have sufficient funds to meet the state’s motor vehicle financial responsibility requirements. 

Which cars are required to be insured in New Hampshire?

Car insurance is not mandatory in the state of New Hampshire. 

When should I get car insurance in New Hampshire?

Though car insurance isn’t mandatory in New Hampshire, it’s a good idea to get coverage before you take your car on the road. This will protect your finances if you’re involved in a car accident. 

What happens if my car is not properly insured in New Hampshire?

Car insurance isn’t mandatory in New Hampshire, but you’re required to show you have sufficient funds to meet the state’s motor vehicle financial responsibility requirements if you have caused an accident. If you fail to meet these requirements, your driving privileges may be suspended. 

Is New Hampshire a no-fault state?

No, New Hampshire is an at-fault state. Under the state’s laws, your car insurance company will pay for injuries to other parties if you have caused an accident, and there are no restrictions placed on a victim’s right to sue. 

Do I need uninsured motorist coverage in New Hampshire?

No, uninsured motorist coverage isn’t required by law in New Hampshire. 

Is liability insurance required in New Hampshire?

No, liability insurance is not required in New Hampshire. Keep in mind, though, that if you are at fault in an accident, you will be required to prove you have sufficient funds to meet the state’s motor vehicle financial responsibility requirements. 

Does New Hampshire accept digital insurance cards?

Yes, New Hampshire accepts digital insurance cards as proof of insurance.