New Hampshire Car Insurance

Find the Best Car Insurance Quotes and Options in New Hampshire

The average cost of car insurance in New Hampshire is $905 per year. Car insurance in New Hampshire costs less than it does in many other states. But your New Hampshire car insurance rates will be more or less than average depending on where you live in the state and your other personal risk factors.

An independent insurance agent in New Hampshire can help you find the right car insurance for your needs and budget. Here, we’ll explain some important facts about car insurance in New Hampshire. 

Best Car Insurance Companies in New Hampshire

You can purchase car insurance in New Hampshire from numerous insurance companies. But which insurance company offers the best mix of coverage and value for your unique needs? We’ve selected some of the best car insurance companies in New Hampshire to help you get started. 

• Best New Hampshire car insurance company overall: USAA 
• Best New Hampshire car insurance company for minimum liability: USAA
• Best New Hampshire car insurance company for full coverage: Hanover Insurance Group
• Best New Hampshire car insurance company for young drivers: USAA
• Best New Hampshire car insurance company for accident history: USAA

An independent insurance agent in New Hampshire can help you determine if any of these companies have the right car insurance policy for your needs and budget.

Best New Hampshire Car Insurance Company Overall: USAA

Our pick for the best overall car insurance company in New Hampshire is USAA. The carrier ranks high for claims satisfaction, ease of interaction, customer service, trust, and other important factors. 

USAA was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. Over time, the organization grew to serve millions in the military community, offering a variety of personal insurance products as well as other financial products and services.

USAA’s net worth has surpassed $40 billion. The carrier has more than 13 million members and 37,000 employees. USAA consistently receives high marks for financial stability, including an A++ rating from AM Best, the highest available.

Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage. 

Best New Hampshire Car Insurance Company for Minimum Liability: USAA

If you’re looking for minimum liability coverage, USAA is again a top choice for New Hampshire residents. The carrier allows customers to get bare minimum auto insurance at around $260 per year. 

Highly affordable coverage combined with high customer satisfaction ratings makes USAA an easy choice for eligible members.  

Best New Hampshire Car Insurance Company for Full Coverage: Hanover Insurance Group

The best car insurance company in New Hampshire for full coverage auto insurance policy is Hanover Insurance Group. The insurance company offers full coverage policies with premiums of around $33 per month. 

Hanover offers standard car insurance coverage like liability, comprehensive, and collision. For full coverage, the company offers add-ons like roadside assistance, rental and travel reimbursement, accident forgiveness, deductible modification, and newer car replacement coverage. 

The Hanover Fire Insurance Company was founded in 1852. Today, Hanover is a leading property and casualty carrier, offering insurance protection for small and mid-sized businesses, as well as for homes, automobiles, and other personal items. The company has $5.5 billion in net premiums written and receives an “A” rating from AM Best. 

Best New Hampshire Car Insurance Company for Young Drivers: USAA

Drivers between the ages of 16 and 25 typically pay very high car insurance rates because of the extra risk presented by their inexperience behind the wheel. While insuring a teen driver is never cheap, USAA is one of the best insurance companies for young drivers in New Hampshire. 

Car insurance for young drivers in New Hampshire can cost around $215 per month with a policy from USAA. The company also offers a good student discount so students with good grades can save on their car insurance. 

Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage. 

Best New Hampshire Car Insurance Company for Accident History: USAA

Your driving record is one of the most important factors in what you pay for car insurance in New Hampshire. All insurance companies want to know if you’ve been at fault for an accident in the past in order to determine how risky you might be to cover.

In these cases, USAA again earns a spot on our list of top picks. USAA is one of the best New Hampshire car insurance companies for drivers with an accident history. The company is highly rated for its claims response and for offering affordable policies for drivers with bad records. If you’ve had an at-fault accident, you can get a car insurance policy in New Hampshire from USAA for about $95 per month. 

New Hampshire Car Insurance Requirements

New Hampshire motor vehicle laws do not require you to carry auto insurance. However, drivers in New Hampshire must be able to demonstrate financial responsibility if they were to cause a car accident.

If you cause a car accident in New Hampshire, you could be held liable for any injuries or property damage that you cause. If you’re sued by an injured party, your assets can be used to pay for medical expenses or damage that resulted from the accident. Even if you’re in an accident that you’re not at fault for, you could still face significant medical expenses and property losses. 

While not mandatory, New Hampshire car insurance policies provide coverage that protects you in these situations. Most drivers in the state choose to purchase car insurance for this reason. New Hampshire insurance policies typically include the following types of coverage.

• Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. If you buy car insurance in New Hampshire, the minimum limits available for bodily injury liability coverage are $25,000 per person and up to $50,000 for two or more persons. 
• Property damage liability coverage: Pays for any damage that you cause to the property of others (e.g., another driver’s car). If you buy car insurance in New Hampshire, the minimum limit available for property damage liability coverage is $25,000 per accident.
• Medical payments coverage: Pays for medical expenses incurred as a result of an automobile accident, regardless of who is at fault. If you buy car insurance in New Hampshire, you must also buy at least $1,000 of medical payments coverage.
• Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. If you buy car insurance in New Hampshire, you must also purchase uninsured motorist coverage that is equal to the limits of your bodily injury liability coverage. 

If you want physical damage coverage for your own vehicle, you can purchase the following types of coverage in New Hampshire: 

• Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.

An independent insurance agent in New Hampshire will help you find a car insurance policy that includes the coverage you need.

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Average Cost of Car Insurance in New Hampshire

The average cost of car insurance in New Hampshire is $905 per year, which is less than the national average of $1,311 per year. Everyone’s car insurance costs are slightly different depending on personal risk factors (e.g., your age, gender, accident history, etc.) and the types and amounts of coverage you select. 

You may also be eligible for certain car insurance discounts that can help you save on your New Hampshire car insurance. Be sure to take advantage of all the discounts that you qualify for. 

Average New Hampshire Car Insurance Costs by City

The city you live in is one of the most important factors in what you’ll pay for car insurance in New Hampshire. This is because the city’s crime rate, severe weather frequency, traffic density, and more can all impact how at-risk you and your car are for being in an accident, stolen, or being subject to some other kind of damage (e.g., hail damage). 

The most expensive car insurance in New Hampshire is in Derry, with an average premium of $987 per year. Meanwhile, residents of Keene pay much less for car insurance. The average annual car insurance rate in Keene, NH is $738.

Finding Car Insurance Discounts in New Hampshire

One of the best ways to save on car insurance in New Hampshire is to make sure that you take advantage of any car insurance discounts for which you may be eligible. One of the most common discounts is the multi-policy discount, which rewards you with savings if you have more than one policy with the same carrier (e.g., home and auto). Some of the common auto insurance discounts offered in New Hampshire include the following: 

• Student driver discounts: If you have a student driver in your household, you may be able to take advantage of a good student discount if your child gets a B average or better. Many insurance companies also offer away-at-school discounts for students who won’t use their parents’ cars while they are away at school. Your young driver may also be able to receive a discount by participating in an insurance-company-approved or sponsored safe driving course. 
• Safe driver discount: Drivers who maintain a clean driving record over a period of time may be able to receive an ongoing discount from their insurance company. 
• Anti-theft device discount: Some insurance companies offer discounts when your car has certain anti-theft devices installed. 
• Military discount: Active or retired members of the military can often qualify for auto insurance discounts. 
• Paperless billing discount: Many insurance companies offer a discount for policyholders who agree to receive paperless billing statements. 
• Other car insurance discounts: Being a member of a particular group, such as an employment union, may make you eligible for a car insurance discount specifically for members. 

Your independent insurance agent can help you find all the car insurance discounts you qualify for. 

How to Find the Best Car Insurance Quote in New Hampshire

Finding the best car insurance quote in New Hampshire requires comparing several insurance companies and making an informed choice. But you don’t have to go it alone. An independent insurance agent can help you obtain and review quotes from multiple insurance companies and choose the one that offers the best coverage for your needs and budget. An independent agent works for you, free of charge, to help you through the process. 

How to File a Car Insurance Claim in New Hampshire

Filing a car insurance claim in New Hampshire is always going to be a little stressful. But if you know what to do in advance, it can help the process to go more smoothly. If you’re in a car accident, here are some tips for filing your insurance claim: 

• Check for and tend to injuries: Check yourself, your passengers, and anyone else involved in the accident for injuries. Seek immediate medical treatment for anyone who is injured. 
• Call the police: Filing a police report ensures that your accident is on the record and all appropriate information has been collected. That way, your insurance company will have a reliable source for information about the details of your accident. 
• Contact your independent insurance agent: Your New Hampshire independent insurance agent can get the process started by connecting you with your insurance company or by even filing the claim for you. Your agent can guide you throughout the claims process. 
• Schedule an appointment with an adjuster: Your insurance company will likely want to evaluate the damage before you seek repairs for your car. That means you’ll likely need to schedule an appointment with an adjuster who works for your carrier.
• Get repairs: If necessary, get your vehicle repaired from a reputable auto body shop or from a shop recommended by your insurance company. 
• Get a rental vehicle: If you’re without your car for a while as it's being repaired, consider getting a rental vehicle. If you have rental reimbursement coverage, you’ll have some help paying for the cost of your rental car. 

An independent insurance agent can help you through the claims process and answer your questions about how best to file your claim. 

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

City	Commute time (min)	Auto thefts / 1,000	Annual insurance cost
Bedford	29.6	0.08	$881
Concord	22.8	1.05	$937
Derry	32.3	0.29	$987
Dover	24.2	0.43	$769
Keene	16.6	1	$738
Londonderry	28.7	0.67	$913
Manchester	23.8	1.36	$966
Merrimack	28.8	0.34	$793
Nashua	27	0.6	$863
Portsmouth	22.8	1	$915
Rochester	27.2	1.17	$965
Salem	29.9	0.67	$945

New Hampshire Car Insurance FAQ