Get FREE
Insurance Quotes
Fast auto insurance quote comparison.
See rates instantly.
Last Updated on January 1, 2026
New Hampshire is consistently one of the least expensive states for car insurance. Recent rate data shows the average cost of full coverage in New Hampshire is about $1,694 per year (and about $466 per year for minimum coverage), though your exact price depends on your vehicle, ZIP code, driving history, credit-based insurance score, and coverage choices.
New Hampshire is also unique: it’s the only state where most drivers can legally drive without buying auto insurance. That doesn’t mean you’re off the hook financially, though. If you cause a crash, you’re still responsible for injuries and property damage — which is why many drivers choose to carry coverage anyway. For a deeper explanation, see our guide to New Hampshire’s insurance rules.
| Coverage Type | New Hampshire Average | U.S. Average |
|---|---|---|
| Full coverage | $1,694/year | $2,697/year |
| Minimum coverage | $466/year | $820/year |
Tip: Even in a low-cost state like New Hampshire, the difference between the cheapest and most expensive insurer for the same driver can be huge — so comparing quotes is still the fastest way to save.
The “best” car insurance company depends on what you value most (price, claims experience, agent support, discounts, or high-risk acceptance). These are some of the top companies to compare in New Hampshire:
USAA is often a standout for eligible military members and their families thanks to strong service and competitive pricing. If you qualify, start here. (Related: best auto insurance options for active duty military members.)
Concord Group is a well-known regional option in the Granite State and a strong choice if you prefer working with local independent agents. Learn more in our Concord Group auto insurance review.
State Farm is a popular pick for drivers who want a large local agent network, straightforward coverage options, and multi-policy savings (like bundling home and auto).
GEICO is a common choice for drivers who want a mostly-online experience and are focused on price. It can be especially competitive for clean-record drivers and smaller households.
Progressive can be a great fit for drivers who want flexible coverage options, robust online tools, and lots of discount opportunities (including usage-based programs). See: Progressive discounts.
Amica is frequently chosen by drivers who prioritize customer service and a smoother claims experience over rock-bottom pricing. Here’s more on whether Amica is good for car insurance.
The Hanover is a strong regional insurer in New England and is worth comparing if you prefer an agent-based experience and want solid coverage options for newer vehicles and families.
Auto-Owners is a good company to price-check if you like working through independent agents and want access to multiple ways to save. Learn more about Auto-Owners insurance discounts.
Travelers is often competitive for drivers who want bundling options, strong coverage add-ons, and flexibility around deductibles and limits.
Safeco (sold through independent agents) can be a smart comparison quote if you’re bundling home and auto or want an agent to help customize coverage. Read our Safeco auto insurance review.
New Hampshire is the only state where most drivers are not required to buy car insurance. However, you are still financially responsible if you cause a crash — and if you choose to buy a policy, New Hampshire laws require certain coverages to be included.
If you buy auto insurance in New Hampshire, your policy generally includes at least:
Because modern medical care and vehicle repair costs can exceed minimum limits quickly, many drivers choose higher limits (like 100/300/100 coverage) for better financial protection.
Note: New Hampshire is an at-fault (tort) state, not a no-fault state. That means the at-fault driver can be held responsible for damages, and lawsuits may be possible depending on the situation.
If your car is paid off, “full coverage” is optional — but it can still be worth it if your vehicle is newer or expensive to repair. If you lease or finance your vehicle, your lender will typically require full coverage (usually liability + collision + comprehensive) until the loan or lease is satisfied. Learn more about buying full coverage auto insurance.
For most drivers with a clean record, it is legal to drive without car insurance in New Hampshire. However, you still have to pay for injuries or damage you cause. If you can’t cover the costs of an at-fault crash, you risk lawsuits, collections, and potential loss of driving privileges until you meet the state’s financial responsibility requirements.
Also, some drivers are required to carry insurance (and proof of insurance) in New Hampshire — typically after certain serious violations. If you’re in that category, getting pulled over without proof can create major problems. (Related: ticketing and penalties for no proof of insurance.)
A DUI conviction is one of the fastest ways to raise your premium — and it may also trigger a requirement to maintain coverage and/or file proof of insurance with the state. If you’re comparing quotes after a conviction, focus on insurers that still accept high-risk drivers and look for ways to offset the increase with discounts and coverage adjustments. Here’s what to expect: how much insurance can go up after a DUI.
At-fault accidents can raise rates for several years, especially if there was a large claim payout. Insurers weigh accident severity, prior claims, and your overall driving profile when re-rating your policy. If you’re shopping after a crash, it helps to understand how insurers view your history: how your driving history affects your insurance rates.
A single minor ticket might not move your premium much, but repeated violations (or a serious speeding citation) can push you into a higher-risk tier. If you’re trying to keep costs down after a ticket, start by comparing multiple insurers and leaning into discounts where you qualify. See tips here: how to find cheap auto insurance with a speeding ticket.
Young drivers almost always pay more because they have less driving experience and statistically higher claim frequency. New Hampshire families can often reduce the sting by stacking discounts (good student, driver training, telematics, multi-car) and choosing a vehicle that’s inexpensive to insure. Compare options here: cheapest car insurance for young drivers.
In New Hampshire, many insurers use a credit-based insurance score as one part of pricing. If your credit is limited or bruised, your best move is to shop around aggressively and look for companies that weigh credit less heavily. You can also lower your costs by adjusting deductibles, reducing optional coverages you don’t need, and maintaining continuous coverage (avoiding lapses).
An SR-22 is not a separate policy — it’s a filing your insurance company submits to the state to prove you carry the required coverage. In New Hampshire, SR-22 requirements can apply after certain serious violations (like a DUI) or if you were at fault in a crash while uninsured.
If you need an SR-22, the usual process looks like this:
SR-22 rules vary by situation, but many drivers are required to keep it on file for multiple years. Learn more about typical timelines in our guide: how long an SR-22 lasts.
Even though New Hampshire doesn’t require car insurance for most drivers, carrying coverage can protect your savings and future income after a crash. The best way to find the right policy is to compare quotes from multiple companies, choose liability limits that match your risk, and stack every discount you qualify for.
To maximize savings, review these options before you buy: best auto insurance discounts.
