The Cheapest Car Insurance in New Hampshire for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in New Hampshire for a variety of ages and driving histories.
Dec 10, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in New Hampshire isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in New Hampshire is $1,277 per year, or about $106 per month, according to NerdWallet’s analysis. Minimum coverage in New Hampshire is $443 per year on average, but we found you can likely get a cheaper policy. For example, MMG offers the cheapest rates in New Hampshire at $229 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in New Hampshire

MMG

$55/month

Not yet rated.

Cheapest for minimum coverage

MMG

$19/month

Not yet rated.

Cheapest for young drivers

MMG

$101/month

Not yet rated.

Cheapest for drivers with poor credit

Concord Group

$55/month

Not yet rated.

How we chose the cheapest companies in New Hampshire

NerdWallet’s editorial team analyzed car insurance rates from 11 auto insurers in New Hampshire and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 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.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find 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. MMG: $1,216 per year, or about $101 per month.

  2. Concord Group: $1,316 per year, or about $110 per month.

  3. Geico: $1,598 per year, or about $133 per month.

  4. Encompass: $1,855 per year, or about $155 per month.

  5. State Farm: $1,969 per year, or about $164 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. Geico: $543 per year, or about $45 per month.

  2. Concord Group: $567 per year, or about $47 per month.

  3. MMG: $614 per year, or about $51 per month.

  4. State Farm: $687 per year, or about $57 per month.

  5. Encompass: $705 per year, or about $59 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. Geico: $775 per year, or about $65 per month.

  2. Concord Group: $845 per year, or about $70 per month.

  3. Allstate: $990 per year, or about $82 per month.

  4. Encompass: $1,049 per year, or about $87 per month.

  5. MMG: $1,392 per year, or about $116 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. Geico: $761 per year, or about $63 per month.

  2. Concord Group: $845 per year, or about $70 per month.

  3. State Farm: $868 per year, or about $72 per month.

  4. MMG: $901 per year, or about $75 per month.

  5. Encompass: $974 per year, or about $81 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. Concord Group: $1,002 per year, or about $84 per month.

  2. MMG: $1,016 per year, or about $85 per month.

  3. Progressive: $1,018 per year, or about $85 per month.

  4. Geico: $1,139 per year, or about $95 per month.

  5. State Farm: $1,259 per year, or about $105 per month.

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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 with clean driving records may get the lowest rates from these companies:

  1. MMG: $747 per year, or about $62 per month.

  2. Concord Group: $808 per year, or about $67 per month.

  3. Nationwide: $852 per year, or about $71 per month.

  4. Geico: $918 per year, or about $76 per month.

  5. State Farm: $924 per year, or about $77 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. MMG: $274 per year, or about $23 per month.

  2. Geico: $313 per year, or about $26 per month.

  3. Concord Group: $322 per year, or about $27 per month.

  4. State Farm: $325 per year, or about $27 per month.

  5. Encompass: $327 per year, or about $27 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: $1,172 per year, or about $98 per month.

  2. Nationwide: $1,201 per year, or about $100 per month.

  3. Geico: $1,302 per year, or about $108 per month.

  4. Encompass: $1,455 per year, or about $121 per month.

  5. MMG: $1,687 per year, or about $141 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. MMG: $1,111 per year, or about $93 per month.

  2. State Farm: $1,133 per year, or about $94 per month.

  3. Concord Group: $1,171 per year, or about $98 per month.

  4. Geico: $1,223 per year, or about $102 per month.

  5. Encompass: $1,396 per year, or about $116 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. Progressive: $1,256 per year, or about $105 per month.

  2. MMG: $1,258 per year, or about $105 per month.

  3. Concord Group: $1,411 per year, or about $118 per month.

  4. State Farm: $1,520 per year, or about $127 per month.

  5. Geico: $1,602 per year, or about $134 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. MMG: $603 per year, or about $50 per month.

  2. Concord Group: $697 per year, or about $58 per month.

  3. Nationwide: $848 per year, or about $71 per month.

  4. Geico: $899 per year, or about $75 per month.

  5. State Farm: $903 per year, or about $75 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. MMG: $209 per year, or about $17 per month.

  2. Concord Group: $266 per year, or about $22 per month.

  3. Geico: $310 per year, or about $26 per month.

  4. Encompass: $327 per year, or about $27 per month.

  5. State Farm: $328 per year, or about $27 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: $1,006 per year, or about $84 per month.

  2. Nationwide: $1,195 per year, or about $100 per month.

  3. Geico: $1,279 per year, or about $107 per month.

  4. MMG: $1,359 per year, or about $113 per month.

  5. Encompass: $1,455 per year, or about $121 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. MMG: $894 per year, or about $74 per month.

  2. Concord Group: $1,005 per year, or about $84 per month.

  3. State Farm: $1,106 per year, or about $92 per month.

  4. Geico: $1,199 per year, or about $100 per month.

  5. Encompass: $1,396 per year, or about $116 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. MMG: $1,013 per year, or about $84 per month.

  2. Progressive: $1,177 per year, or about $98 per month.

  3. Concord Group: $1,214 per year, or about $101 per month.

  4. State Farm: $1,497 per year, or about $125 per month.

  5. Geico: $1,577 per year, or about $131 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 the best cheap car 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. MMG: $554 per year, or about $46 per month.

  2. Concord Group: $659 per year, or about $55 per month.

  3. Nationwide: $792 per year, or about $66 per month.

  4. Geico: $827 per year, or about $69 per month.

  5. Encompass: $841 per year, or about $70 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. MMG: $191 per year, or about $16 per month.

  2. Concord Group: $248 per year, or about $21 per month.

  3. Geico: $290 per year, or about $24 per month.

  4. Encompass: $315 per year, or about $26 per month.

  5. State Farm: $324 per year, or about $27 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: $949 per year, or about $79 per month.

  2. Nationwide: $1,115 per year, or about $93 per month.

  3. Geico: $1,169 per year, or about $97 per month.

  4. MMG: $1,250 per year, or about $104 per month.

  5. Encompass: $1,278 per year, or about $106 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. MMG: $823 per year, or about $69 per month.

  2. Concord Group: $947 per year, or about $79 per month.

  3. State Farm: $1,086 per year, or about $90 per month.

  4. Geico: $1,109 per year, or about $92 per month.

  5. Encompass: $1,234 per year, or about $103 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. MMG: $932 per year, or about $78 per month.

  2. Progressive: $1,077 per year, or about $90 per month.

  3. Concord Group: $1,145 per year, or about $95 per month.

  4. State Farm: $1,480 per year, or about $123 per month.

  5. Geico: $1,487 per year, or about $124 per month.

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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 auto 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. MMG: $563 per year, or about $47 per month.

  2. Concord Group: $665 per year, or about $55 per month.

  3. Nationwide: $732 per year, or about $61 per month.

  4. Encompass: $824 per year, or about $69 per month.

  5. Geico: $828 per year, or about $69 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. MMG: $198 per year, or about $16 per month.

  2. Concord Group: $252 per year, or about $21 per month.

  3. Geico: $289 per year, or about $24 per month.

  4. Encompass: $308 per year, or about $26 per month.

  5. State Farm: $308 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: $959 per year, or about $80 per month.

  2. Nationwide: $1,031 per year, or about $86 per month.

  3. Geico: $1,171 per year, or about $98 per month.

  4. Encompass: $1,255 per year, or about $105 per month.

  5. MMG: $1,269 per year, or about $106 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. MMG: $834 per year, or about $70 per month.

  2. Concord Group: $957 per year, or about $80 per month.

  3. State Farm: $1,032 per year, or about $86 per month.

  4. Geico: $1,111 per year, or about $93 per month.

  5. Encompass: $1,210 per year, or about $101 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. MMG: $944 per year, or about $79 per month.

  2. Progressive: $1,061 per year, or about $88 per month.

  3. Concord Group: $1,157 per year, or about $96 per month.

  4. State Farm: $1,424 per year, or about $119 per month.

  5. Geico: $1,489 per year, or about $124 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 42 of the 48 driver profiles we examined.

Minimum coverage car insurance in New Hampshire

Unlike other states, New Hampshire doesn’t require most drivers to carry auto insurance. If you choose to purchase a policy, it will need to include 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.

However, 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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

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