Affordable car insurance in New Hampshire

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Average rates at the top car insurance companies in New Hampshire

Based on a premium coverage policy for a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

New Hampshire auto insurance shopping made easy

Based on your answers to our short quiz, we’ll estimate how much you’ll pay at each of the top providers near you, so you can find the coverage you need at a price you can afford.



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Personalized rate estimates calculated using the insurance company’s rating plan (plus any applicable discounts) 

Average annual cost of car insurance in New Hampshire

How much does car insurance cost in New Hampshire? These are the average prices a 35-year-old male driving a 2022 RAV4 would pay annually for state minimum coverage, standard coverage, and premium coverage in New Hampshire. Your rates will vary based on your unique driver profile.

Annual rates based on a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

Helping New Hampshire residents find affordable insurance

You’re one-of-a-kind. Your insurance should be too. Our quiz is designed to help you find insurance that meets your unique needs at a price you can afford.


Why you can trust Rate Retriever

Everything we do, we do with your best experience in mind. This means delivering the information you want and need to make confident insurance decisions. While we may partner with some of the carriers you see on our site, we maintain editorial independence and commit to a rigorous editorial policy.

New Hampshire car insurance requirements

New Hampshire does not require car insurance coverage. However, drivers without car insurance are personally responsible for paying medical bills or property damage expenses due to a car accident. Because of this, many drivers still choose to get car insurance. 

Additionally, if you’re one of the many drivers who lease or finance their vehicle, check with your lender about any additional insurance they may require. Although not mandated by the state, some lenders may require full coverage auto insurance in New Hampshire. 

It’s important for residents to know car insurance requirements in New Hampshire. The following are the coverage types and limit amounts New Hampshire requires if you choose to purchase insurance; however, these minimums are just a starting point. You may want to consider increasing your coverage limits or purchasing additional coverage for further protection.

Fall in New Hampshire

Minimum car insurance requirements - New Hampshire

Bodily Injury Liability

To cover injury or death related expenses in an accident when you’re at fault – $25,000 limit per person/$50,000 limit per accident

Property Damage Liability

To cover property damage expenses in an accident when you’re at fault – $25,000 limit

Uninsured Motorist Coverage

To cover medical expenses in an accident when the other driver is at fault but doesn’t have any car insurance – If you buy auto insurance, limits will be equal to liability coverage limits

Underinsured Motorist Coverage

To cover medical expenses in an accident when the other driver is at fault but doesn’t have enough liability insurance – Grouped with uninsured motorist coverage

Medical Payments

To cover medical or funeral expenses if you and/or your passengers are hurt in an accident – $1,000 limit required if you buy liability coverage

The top insurers in New Hampshire

Progressive Auto Insurance
State Farm Auto Insurance
Geico Auto Insurance
Allstate Auto Insurance
Nationwide Auto Insurance
MMG Auto Insurance
Concord Auto Insurance
Farmers Auto Insurance
Safeco Auto Insurance
Safety Insurance Auto

How to get cheap New Hampshire car insurance

Although a smaller state, New Hampshire offers residents multiple opportunities for skiing, hiking, sun tanning on the beach, and exploring countless lakes and rivers. As one of the six New England states, New Hampshire boasts all four seasons and activities to enjoy in each one.

Whether you’re thinking about moving to New Hampshire or have called it home for a long time, you may consider purchasing car insurance. A great first step for finding affordable car insurance is to compare quotes from top insurance companies in New Hampshire. Fortunately, Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

Why is New Hampshire auto insurance important?

Although car insurance in New Hampshire is not mandatory, it is essential to assess the financial responsibility of driving without it. If you don’t have auto insurance in New Hampshire and get into an accident, you must pay for all damages out of pocket. If you are unable to do so, you could risk losing your driver’s license.

Whether you’re interested in the minimum auto insurance required or want more coverage for additional protection, we can connect you with top car insurance providers in New Hampshire.

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What other factors impact your auto insurance rate?

The state you live in is only one of the factors that may impact your car insurance rate.  Each car insurance company has their own formula for calculating rates based on a variety of factors that make up your driver profile.  

Factors that can impact your quoted rates include: 

  • Your demographics including your age, home ownership, marriage status, and more 
  • Your driving history including how long you’ve been driving, traffic violations, and more 
  • Your car including make, model, and year 
  • Your zip code, or where you live within your state 
  • How much coverage you want

The best insurance rates in New Hampshire

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The rates on this page are estimated based on the rating plans insurance carriers have submitted to each state’s department of insurance. An insurance carrier’s rating plan details how the company uses certain characteristics to assign different rates to different people. We use the same data sources to power our comparison tools.

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2022 RAV4. 

These rates should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.