Cheap Car Insurance in New Hampshire for 2023

Concord Group offers the cheapest car insurance in New Hampshire, with an average monthly rate of $68 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in New Hampshire isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in New Hampshire is Concord Group at $809 per year on average, or $67 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 $1,274 per year, or about $106 per month.

Minimum coverage in New Hampshire is $399 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 $222 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in New Hampshire

NerdWallet’s editorial team analyzed car insurance rates from 15 auto insurers in New Hampshire and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. 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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in New Hampshire where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest 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:

  1. Concord Group: $1,412 per year, or about $118 per month.
  2. The Hanover: $1,713 per year, or about $143 per month.
  3. MMG: $1,755 per year, or about $146 per month.
  4. Encompass: $2,449 per year, or about $204 per month.
  5. Geico: $2,652 per year, or about $221 per month.

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:

  1. The Hanover: $340 per year, or about $28 per month.
  2. Concord Group: $587 per year, or about $49 per month.
  3. MMG: $926 per year, or about $77 per month.
  4. Encompass: $938 per year, or about $78 per month.
  5. Progressive: $945 per year, or about $79 per month.

Cheapest auto 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:

  1. Concord Group: $873 per year, or about $73 per month.
  2. Patriot Insurance: $1,139 per year, or about $95 per month.
  3. The Hanover: $1,224 per year, or about $102 per month.
  4. Allstate: $1,288 per year, or about $107 per month.
  5. Encompass: $1,402 per year, or about $117 per month.

Cheapest auto 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:

  1. The Hanover: $340 per year, or about $28 per month.
  2. Concord Group: $674 per year, or about $56 per month.
  3. Encompass: $938 per year, or about $78 per month.
  4. Progressive: $1,063 per year, or about $89 per month.
  5. Geico: $1,146 per year, or about $96 per month.

Cheapest auto 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:

  1. The Hanover: $447 per year, or about $37 per month.
  2. Concord Group: $872 per year, or about $73 per month.
  3. Progressive: $1,182 per year, or about $99 per month.
  4. Vermont Mutual: $1,255 per year, or about $105 per month.
  5. Encompass: $1,309 per year, or about $109 per month.

Cheapest auto 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.

  1. The Hanover: $496 per year, or about $41 per month.
  2. Progressive: $1,016 per year, or about $85 per month.
  3. Concord Group: $1,034 per year, or about $86 per month.
  4. MMG: $1,535 per year, or about $128 per month.
  5. Geico: $1,747 per year, or about $146 per month.

Cheapest 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 who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Concord Group: $880 per year, or about $73 per month.
  2. Safety Insurance: $1,034 per year, or about $86 per month.
  3. MMG: $1,074 per year, or about $90 per month.
  4. Mapfre: $1,134 per year, or about $95 per month.
  5. Encompass: $1,202 per year, or about $100 per month.

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:

  1. The Hanover: $224 per year, or about $19 per month.
  2. Concord Group: $337 per year, or about $28 per month.
  3. Safety Insurance: $347 per year, or about $29 per month.
  4. Mapfre: $383 per year, or about $32 per month.
  5. Vermont Mutual: $399 per year, or about $33 per month.

Cheapest auto 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 full coverage:

  1. Concord Group: $1,268 per year, or about $106 per month.
  2. Mapfre: $1,601 per year, or about $133 per month.
  3. Safety Insurance: $1,735 per year, or about $145 per month.
  4. Encompass: $1,881 per year, or about $157 per month.
  5. Geico: $2,022 per year, or about $169 per month.

Cheapest auto 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:

  1. The Hanover: $224 per year, or about $19 per month.
  2. Safety Insurance: $347 per year, or about $29 per month.
  3. Concord Group: $386 per year, or about $32 per month.
  4. Encompass: $423 per year, or about $35 per month.
  5. Vermont Mutual: $513 per year, or about $43 per month.

Cheapest auto 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 full coverage:

  1. Concord Group: $1,269 per year, or about $106 per month.
  2. Mapfre: $1,558 per year, or about $130 per month.
  3. MMG: $1,598 per year, or about $133 per month.
  4. Encompass: $1,808 per year, or about $151 per month.
  5. Vermont Mutual: $1,810 per year, or about $151 per month.

Cheapest auto 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 full coverage.

  1. Concord Group: $1,533 per year, or about $128 per month.
  2. MMG: $1,813 per year, or about $151 per month.
  3. The Hanover: $1,862 per year, or about $155 per month.
  4. Mapfre: $1,948 per year, or about $162 per month.
  5. Progressive: $1,960 per year, or about $163 per month.

Cheapest 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:

  1. Concord Group: $765 per year, or about $64 per month.
  2. MMG: $864 per year, or about $72 per month.
  3. Safety Insurance: $1,012 per year, or about $84 per month.
  4. Mapfre: $1,052 per year, or about $88 per month.
  5. Encompass: $1,202 per year, or about $100 per month.

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:

  1. The Hanover: $227 per year, or about $19 per month.
  2. Concord Group: $277 per year, or about $23 per month.
  3. MMG: $316 per year, or about $26 per month.
  4. Safety Insurance: $340 per year, or about $28 per month.
  5. Mapfre: $355 per year, or about $30 per month.

Cheapest auto 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 full coverage:

  1. Concord Group: $1,095 per year, or about $91 per month.
  2. Mapfre: $1,484 per year, or about $124 per month.
  3. Safety Insurance: $1,697 per year, or about $141 per month.
  4. Encompass: $1,881 per year, or about $157 per month.
  5. Geico: $1,948 per year, or about $162 per month.

Cheapest auto 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:

  1. The Hanover: $227 per year, or about $19 per month.
  2. Concord Group: $318 per year, or about $27 per month.
  3. Safety Insurance: $340 per year, or about $28 per month.
  4. MMG: $404 per year, or about $34 per month.
  5. Encompass: $423 per year, or about $35 per month.

Cheapest auto 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 full coverage:

  1. Concord Group: $1,098 per year, or about $91 per month.
  2. MMG: $1,287 per year, or about $107 per month.
  3. Mapfre: $1,450 per year, or about $121 per month.
  4. Vermont Mutual: $1,672 per year, or about $139 per month.
  5. Encompass: $1,808 per year, or about $151 per month.

Cheapest auto insurance in New Hampshire for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Concord Group: $1,330 per year, or about $111 per month.
  2. MMG: $1,457 per year, or about $121 per month.
  3. Progressive: $1,728 per year, or about $144 per month.
  4. The Hanover: $1,815 per year, or about $151 per month.
  5. Mapfre: $1,840 per year, or about $153 per month.

Cheapest 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:

  1. Concord Group: $726 per year, or about $60 per month.
  2. MMG: $796 per year, or about $66 per month.
  3. Safety Insurance: $875 per year, or about $73 per month.
  4. Mapfre: $910 per year, or about $76 per month.
  5. Encompass: $1,067 per year, or about $89 per month.

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:

  1. The Hanover: $226 per year, or about $19 per month.
  2. Concord Group: $259 per year, or about $22 per month.
  3. MMG: $288 per year, or about $24 per month.
  4. Safety Insurance: $296 per year, or about $25 per month.
  5. Mapfre: $307 per year, or about $26 per month.

Cheapest auto 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 full coverage:

  1. Concord Group: $1,035 per year, or about $86 per month.
  2. Mapfre: $1,284 per year, or about $107 per month.
  3. Safety Insurance: $1,462 per year, or about $122 per month.
  4. Encompass: $1,652 per year, or about $138 per month.
  5. MMG: $1,795 per year, or about $150 per month.

Cheapest auto 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:

  1. The Hanover: $226 per year, or about $19 per month.
  2. Safety Insurance: $296 per year, or about $25 per month.
  3. Concord Group: $296 per year, or about $25 per month.
  4. MMG: $370 per year, or about $31 per month.
  5. Encompass: $409 per year, or about $34 per month.

Cheapest auto 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 full coverage rates:

  1. Concord Group: $1,038 per year, or about $87 per month.
  2. MMG: $1,184 per year, or about $99 per month.
  3. Mapfre: $1,266 per year, or about $106 per month.
  4. The Hanover: $1,489 per year, or about $124 per month.
  5. Vermont Mutual: $1,534 per year, or about $128 per month.

Cheapest auto 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 full coverage.

  1. Concord Group: $1,259 per year, or about $105 per month.
  2. MMG: $1,341 per year, or about $112 per month.
  3. Progressive: $1,555 per year, or about $130 per month.
  4. Mapfre: $1,656 per year, or about $138 per month.
  5. The Hanover: $1,663 per year, or about $139 per month.

Cheapest 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:

  1. Concord Group: $732 per year, or about $61 per month.
  2. MMG: $813 per year, or about $68 per month.
  3. Safety Insurance: $875 per year, or about $73 per month.
  4. Mapfre: $910 per year, or about $76 per month.
  5. The Hanover: $1,048 per year, or about $87 per month.

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:

  1. The Hanover: $215 per year, or about $18 per month.
  2. Concord Group: $263 per year, or about $22 per month.
  3. Safety Insurance: $296 per year, or about $25 per month.
  4. MMG: $299 per year, or about $25 per month.
  5. Mapfre: $307 per year, or about $26 per month.

Cheapest auto 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 full coverage:

  1. Concord Group: $1,045 per year, or about $87 per month.
  2. Mapfre: $1,284 per year, or about $107 per month.
  3. Safety Insurance: $1,462 per year, or about $122 per month.
  4. Encompass: $1,628 per year, or about $136 per month.
  5. Nationwide: $1,783 per year, or about $149 per month.

Cheapest auto 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:

  1. The Hanover: $215 per year, or about $18 per month.
  2. Safety Insurance: $296 per year, or about $25 per month.
  3. Concord Group: $302 per year, or about $25 per month.
  4. MMG: $384 per year, or about $32 per month.
  5. Encompass: $399 per year, or about $33 per month.

Cheapest auto 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 full coverage:

  1. Concord Group: $1,048 per year, or about $87 per month.
  2. MMG: $1,202 per year, or about $100 per month.
  3. Mapfre: $1,266 per year, or about $106 per month.
  4. The Hanover: $1,322 per year, or about $110 per month.
  5. Vermont Mutual: $1,534 per year, or about $128 per month.

Cheapest auto 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 full coverage.

  1. Concord Group: $1,271 per year, or about $106 per month.
  2. MMG: $1,358 per year, or about $113 per month.
  3. The Hanover: $1,472 per year, or about $123 per month.
  4. Progressive: $1,486 per year, or about $124 per month.
  5. Mapfre: $1,656 per year, or about $138 per month.

Cheapest 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:

  1. Concord Group: $788 per year, or about $66 per month.
  2. Safety Insurance: $1,012 per year, or about $84 per month.
  3. Mapfre: $1,027 per year, or about $86 per month.
  4. MMG: $1,032 per year, or about $86 per month.
  5. Encompass: $1,051 per year, or about $88 per month.

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:

  1. The Hanover: $241 per year, or about $20 per month.
  2. Concord Group: $295 per year, or about $25 per month.
  3. Safety Insurance: $340 per year, or about $28 per month.
  4. Vermont Mutual: $342 per year, or about $29 per month.
  5. Mapfre: $347 per year, or about $29 per month.

Cheapest auto 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 full coverage:

  1. Concord Group: $1,130 per year, or about $94 per month.
  2. Mapfre: $1,451 per year, or about $121 per month.
  3. Encompass: $1,634 per year, or about $136 per month.
  4. Safety Insurance: $1,697 per year, or about $141 per month.
  5. Geico: $2,000 per year, or about $167 per month.

Cheapest auto 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:

  1. The Hanover: $241 per year, or about $20 per month.
  2. Concord Group: $338 per year, or about $28 per month.
  3. Safety Insurance: $340 per year, or about $28 per month.
  4. Encompass: $394 per year, or about $33 per month.
  5. Patriot Insurance: $451 per year, or about $38 per month.

Cheapest auto 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 full coverage:

  1. Concord Group: $1,132 per year, or about $94 per month.
  2. Mapfre: $1,420 per year, or about $118 per month.
  3. MMG: $1,534 per year, or about $128 per month.
  4. The Hanover: $1,553 per year, or about $129 per month.
  5. Encompass: $1,579 per year, or about $132 per month.

Cheapest auto 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 full coverage.

  1. Concord Group: $1,372 per year, or about $114 per month.
  2. The Hanover: $1,676 per year, or about $140 per month.
  3. MMG: $1,735 per year, or about $145 per month.
  4. Mapfre: $1,810 per year, or about $151 per month.
  5. Progressive: $1,865 per year, or about $155 per month.

Cheapest car insurance for military families

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 70 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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.

Methodology

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 2020 Toyota Camry L 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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