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 

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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 $813 per year on average, or $68 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 $1,557 per year, or about $130 per month.

Minimum coverage in New Hampshire is $494 per year on average, but we found you can likely get a cheaper policy. For example, Concord Group offers the cheapest rates in New Hampshire at $287 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: $1,420 per year, or about $118 per month.

  2. MMG: $1,706 per year, or about $142 per month.

  3. State Farm: $2,389 per year, or about $199 per month.

  4. Encompass: $2,417 per year, or about $201 per month.

  5. Geico: $2,588 per year, or about $216 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. Concord Group: $564 per year, or about $47 per month.

  2. State Farm: $829 per year, or about $69 per month.

  3. MMG: $850 per year, or about $71 per month.

  4. Encompass: $919 per year, or about $77 per month.

  5. Geico: $981 per year, or about $82 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: $839 per year, or about $70 per month.

  2. Patriot Insurance: $1,151 per year, or about $96 per month.

  3. Allstate: $1,314 per year, or about $110 per month.

  4. Encompass: $1,379 per year, or about $115 per month.

  5. Geico: $1,394 per year, or about $116 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. Concord Group: $648 per year, or about $54 per month.

  2. State Farm: $829 per year, or about $69 per month.

  3. Encompass: $919 per year, or about $77 per month.

  4. Geico: $1,000 per year, or about $83 per month.

  5. MMG: $1,086 per year, or about $90 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. Concord Group: $838 per year, or about $70 per month.

  2. State Farm: $1,022 per year, or about $85 per month.

  3. MMG: $1,247 per year, or about $104 per month.

  4. Encompass: $1,280 per year, or about $107 per month.

  5. Geico: $1,321 per year, or about $110 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: $994 per year, or about $83 per month.

  2. Progressive: $1,300 per year, or about $108 per month.

  3. MMG: $1,406 per year, or about $117 per month.

  4. State Farm: $1,412 per year, or about $118 per month.

  5. Geico: $1,697 per year, or about $141 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: $884 per year, or about $74 per month.

  2. Safety Insurance: $1,003 per year, or about $84 per month.

  3. State Farm: $1,005 per year, or about $84 per month.

  4. MMG: $1,051 per year, or about $88 per month.

  5. Encompass: $1,198 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. Concord Group: $322 per year, or about $27 per month.

  2. Mapfre: $335 per year, or about $28 per month.

  3. State Farm: $336 per year, or about $28 per month.

  4. Safety Insurance: $349 per year, or about $29 per month.

  5. MMG: $380 per year, or about $32 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: $1,275 per year, or about $106 per month.

  2. Safety Insurance: $1,682 per year, or about $140 per month.

  3. Mapfre: $1,745 per year, or about $145 per month.

  4. Encompass: $1,869 per year, or about $156 per month.

  5. Geico: $2,006 per year, or about $167 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. State Farm: $337 per year, or about $28 per month.

  2. Safety Insurance: $349 per year, or about $29 per month.

  3. Concord Group: $370 per year, or about $31 per month.

  4. Encompass: $417 per year, or about $35 per month.

  5. MMG: $484 per year, or about $40 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. State Farm: $1,222 per year, or about $102 per month.

  2. Concord Group: $1,275 per year, or about $106 per month.

  3. MMG: $1,562 per year, or about $130 per month.

  4. Mapfre: $1,689 per year, or about $141 per month.

  5. Vermont Mutual: $1,793 per year, or about $149 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: $1,541 per year, or about $128 per month.

  2. State Farm: $1,612 per year, or about $134 per month.

  3. MMG: $1,769 per year, or about $147 per month.

  4. Progressive: $2,129 per year, or about $177 per month.

  5. Mapfre: $2,297 per year, or about $191 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: $768 per year, or about $64 per month.

  2. MMG: $847 per year, or about $71 per month.

  3. State Farm: $974 per year, or about $81 per month.

  4. Safety Insurance: $981 per year, or about $82 per month.

  5. Mapfre: $1,146 per year, or about $96 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. Concord Group: $266 per year, or about $22 per month.

  2. MMG: $290 per year, or about $24 per month.

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

  4. State Farm: $339 per year, or about $28 per month.

  5. Safety Insurance: $342 per year, or about $28 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: $1,102 per year, or about $92 per month.

  2. Mapfre: $1,618 per year, or about $135 per month.

  3. Safety Insurance: $1,645 per year, or about $137 per month.

  4. Encompass: $1,869 per year, or about $156 per month.

  5. MMG: $1,911 per year, or about $159 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. Concord Group: $305 per year, or about $25 per month.

  2. State Farm: $339 per year, or about $28 per month.

  3. Safety Insurance: $342 per year, or about $28 per month.

  4. MMG: $371 per year, or about $31 per month.

  5. Encompass: $417 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: $1,102 per year, or about $92 per month.

  2. State Farm: $1,188 per year, or about $99 per month.

  3. MMG: $1,259 per year, or about $105 per month.

  4. Mapfre: $1,573 per year, or about $131 per month.

  5. Vermont Mutual: $1,657 per year, or about $138 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: $1,336 per year, or about $111 per month.

  2. MMG: $1,425 per year, or about $119 per month.

  3. State Farm: $1,577 per year, or about $131 per month.

  4. Progressive: $1,904 per year, or about $159 per month.

  5. Mapfre: $2,164 per year, or about $180 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: $728 per year, or about $61 per month.

  2. MMG: $779 per year, or about $65 per month.

  3. Safety Insurance: $849 per year, or about $71 per month.

  4. State Farm: $947 per year, or about $79 per month.

  5. Mapfre: $991 per year, or about $83 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. Concord Group: $249 per year, or about $21 per month.

  2. MMG: $264 per year, or about $22 per month.

  3. Mapfre: $268 per year, or about $22 per month.

  4. Safety Insurance: $297 per year, or about $25 per month.

  5. State Farm: $334 per year, or about $28 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: $1,041 per year, or about $87 per month.

  2. Mapfre: $1,400 per year, or about $117 per month.

  3. Safety Insurance: $1,418 per year, or about $118 per month.

  4. Encompass: $1,638 per year, or about $136 per month.

  5. MMG: $1,759 per year, or about $147 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. Concord Group: $285 per year, or about $24 per month.

  2. Safety Insurance: $297 per year, or about $25 per month.

  3. State Farm: $334 per year, or about $28 per month.

  4. MMG: $339 per year, or about $28 per month.

  5. Encompass: $401 per year, or about $33 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: $1,042 per year, or about $87 per month.

  2. State Farm: $1,156 per year, or about $96 per month.

  3. MMG: $1,158 per year, or about $96 per month.

  4. Mapfre: $1,373 per year, or about $114 per month.

  5. Vermont Mutual: $1,521 per year, or about $127 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: $1,264 per year, or about $105 per month.

  2. MMG: $1,310 per year, or about $109 per month.

  3. State Farm: $1,546 per year, or about $129 per month.

  4. Progressive: $1,733 per year, or about $144 per month.

  5. Mapfre: $1,937 per year, or about $161 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: $735 per year, or about $61 per month.

  2. MMG: $791 per year, or about $66 per month.

  3. Safety Insurance: $849 per year, or about $71 per month.

  4. State Farm: $879 per year, or about $73 per month.

  5. Mapfre: $991 per year, or about $83 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. Concord Group: $253 per year, or about $21 per month.

  2. Mapfre: $268 per year, or about $22 per month.

  3. MMG: $274 per year, or about $23 per month.

  4. Safety Insurance: $297 per year, or about $25 per month.

  5. State Farm: $311 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: $1,052 per year, or about $88 per month.

  2. Mapfre: $1,400 per year, or about $117 per month.

  3. Safety Insurance: $1,418 per year, or about $118 per month.

  4. Encompass: $1,609 per year, or about $134 per month.

  5. MMG: $1,785 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. Concord Group: $290 per year, or about $24 per month.

  2. Safety Insurance: $297 per year, or about $25 per month.

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

  4. MMG: $351 per year, or about $29 per month.

  5. Encompass: $391 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: $1,052 per year, or about $88 per month.

  2. State Farm: $1,079 per year, or about $90 per month.

  3. MMG: $1,173 per year, or about $98 per month.

  4. Mapfre: $1,372 per year, or about $114 per month.

  5. Vermont Mutual: $1,520 per year, or about $127 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: $1,276 per year, or about $106 per month.

  2. MMG: $1,328 per year, or about $111 per month.

  3. State Farm: $1,469 per year, or about $122 per month.

  4. Progressive: $1,675 per year, or about $140 per month.

  5. Mapfre: $1,937 per year, or about $161 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: $792 per year, or about $66 per month.

  2. State Farm: $934 per year, or about $78 per month.

  3. Safety Insurance: $981 per year, or about $82 per month.

  4. MMG: $1,009 per year, or about $84 per month.

  5. Encompass: $1,038 per year, or about $86 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. Concord Group: $283 per year, or about $24 per month.

  2. Mapfre: $303 per year, or about $25 per month.

  3. State Farm: $331 per year, or about $28 per month.

  4. Safety Insurance: $342 per year, or about $28 per month.

  5. Patriot Insurance: $373 per year, or about $31 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: $1,137 per year, or about $95 per month.

  2. Mapfre: $1,581 per year, or about $132 per month.

  3. Encompass: $1,611 per year, or about $134 per month.

  4. Safety Insurance: $1,645 per year, or about $137 per month.

  5. State Farm: $2,098 per year, or about $175 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. Concord Group: $325 per year, or about $27 per month.

  2. State Farm: $331 per year, or about $28 per month.

  3. Safety Insurance: $342 per year, or about $28 per month.

  4. Encompass: $386 per year, or about $32 per month.

  5. Patriot Insurance: $461 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: $1,137 per year, or about $95 per month.

  2. State Farm: $1,141 per year, or about $95 per month.

  3. MMG: $1,498 per year, or about $125 per month.

  4. Mapfre: $1,540 per year, or about $128 per month.

  5. Encompass: $1,553 per year, or about $129 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: $1,377 per year, or about $115 per month.

  2. State Farm: $1,531 per year, or about $128 per month.

  3. MMG: $1,694 per year, or about $141 per month.

  4. Progressive: $2,083 per year, or about $174 per month.

  5. Mapfre: $2,126 per year, or about $177 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 the cheapest auto insurance option for 45 of the 70 driver profiles we examined.

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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