Cheap Car Insurance in New Hampshire for June 2024

MMG offers the cheapest car insurance in New Hampshire, with an average annual rate of $995 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 MMG at $817 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 $1,190 per year, or about $99 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in New Hampshire. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in New Hampshire is $367 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 $193 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in New Hampshire

NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in New Hampshire and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. 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. MMG: $1,454 per year, or about $121 per month.
  2. The Hanover: $1,485 per year, or about $124 per month.
  3. Concord Group: $1,874 per year, or about $156 per month.
  4. Geico: $1,982 per year, or about $165 per month.
  5. Encompass: $2,009 per year, or about $167 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: $290 per year, or about $24 per month.
  2. Geico: $634 per year, or about $53 per month.
  3. MMG: $684 per year, or about $57 per month.
  4. Encompass: $697 per year, or about $58 per month.
  5. Concord Group: $699 per year, or about $58 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: $903 per year, or about $75 per month.
  2. Patriot Insurance: $962 per year, or about $80 per month.
  3. The Hanover: $1,018 per year, or about $85 per month.
  4. Encompass: $1,036 per year, or about $86 per month.
  5. Concord Group: $1,041 per year, or about $87 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: $361 per year, or about $30 per month.
  2. Encompass: $697 per year, or about $58 per month.
  3. Geico: $733 per year, or about $61 per month.
  4. Concord Group: $804 per year, or about $67 per month.
  5. Progressive: $942 per year, or about $78 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: $381 per year, or about $32 per month.
  2. Encompass: $968 per year, or about $81 per month.
  3. Geico: $974 per year, or about $81 per month.
  4. MMG: $1,005 per year, or about $84 per month.
  5. Concord Group: $1,041 per year, or about $87 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: $422 per year, or about $35 per month.
  2. Progressive: $880 per year, or about $73 per month.
  3. MMG: $1,134 per year, or about $95 per month.
  4. Concord Group: $1,234 per year, or about $103 per month.
  5. Geico: $1,306 per year, or about $109 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. MMG: $924 per year, or about $77 per month.
  2. Geico: $999 per year, or about $83 per month.
  3. Encompass: $1,002 per year, or about $84 per month.
  4. Safety Insurance: $1,091 per year, or about $91 per month.
  5. The Hanover: $1,111 per year, or about $93 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: $193 per year, or about $16 per month.
  2. MMG: $307 per year, or about $26 per month.
  3. Encompass: $323 per year, or about $27 per month.
  4. Safety Insurance: $340 per year, or about $28 per month.
  5. Geico: $352 per year, or about $29 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. Geico: $1,490 per year, or about $124 per month.
  2. Encompass: $1,563 per year, or about $130 per month.
  3. Concord Group: $1,686 per year, or about $141 per month.
  4. Safety Insurance: $1,829 per year, or about $152 per month.
  5. Mapfre: $1,846 per year, or about $154 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: $243 per year, or about $20 per month.
  2. Encompass: $323 per year, or about $27 per month.
  3. Safety Insurance: $340 per year, or about $28 per month.
  4. Patriot Insurance: $422 per year, or about $35 per month.
  5. Geico: $423 per year, or about $35 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: $1,375 per year, or about $115 per month.
  2. Encompass: $1,489 per year, or about $124 per month.
  3. The Hanover: $1,672 per year, or about $139 per month.
  4. Concord Group: $1,688 per year, or about $141 per month.
  5. Geico: $1,786 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. MMG: $1,562 per year, or about $130 per month.
  2. The Hanover: $1,621 per year, or about $135 per month.
  3. Progressive: $1,745 per year, or about $145 per month.
  4. Concord Group: $2,048 per year, or about $171 per month.
  5. Mapfre: $2,176 per year, or about $181 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: $747 per year, or about $62 per month.
  2. Geico: $974 per year, or about $81 per month.
  3. Encompass: $1,002 per year, or about $84 per month.
  4. Concord Group: $1,021 per year, or about $85 per month.
  5. Safety Insurance: $1,067 per year, or about $89 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: $196 per year, or about $16 per month.
  2. MMG: $233 per year, or about $19 per month.
  3. Encompass: $323 per year, or about $27 per month.
  4. Patriot Insurance: $327 per year, or about $27 per month.
  5. Concord Group: $327 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. Geico: $1,451 per year, or about $121 per month.
  2. Concord Group: $1,461 per year, or about $122 per month.
  3. Encompass: $1,563 per year, or about $130 per month.
  4. MMG: $1,686 per year, or about $141 per month.
  5. Mapfre: $1,712 per year, or about $143 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: $255 per year, or about $21 per month.
  2. Encompass: $323 per year, or about $27 per month.
  3. MMG: $326 per year, or about $27 per month.
  4. Safety Insurance: $333 per year, or about $28 per month.
  5. Patriot Insurance: $375 per year, or about $31 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: $1,113 per year, or about $93 per month.
  2. Concord Group: $1,467 per year, or about $122 per month.
  3. Encompass: $1,489 per year, or about $124 per month.
  4. Mapfre: $1,661 per year, or about $138 per month.
  5. The Hanover: $1,686 per year, or about $141 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: $1,261 per year, or about $105 per month.
  2. Progressive: $1,540 per year, or about $128 per month.
  3. The Hanover: $1,572 per year, or about $131 per month.
  4. Concord Group: $1,782 per year, or about $149 per month.
  5. Mapfre: $2,051 per year, or about $171 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. MMG: $688 per year, or about $57 per month.
  2. Encompass: $886 per year, or about $74 per month.
  3. Safety Insurance: $923 per year, or about $77 per month.
  4. Concord Group: $969 per year, or about $81 per month.
  5. Geico: $1,007 per year, or about $84 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: $196 per year, or about $16 per month.
  2. MMG: $213 per year, or about $18 per month.
  3. Safety Insurance: $290 per year, or about $24 per month.
  4. Patriot Insurance: $305 per year, or about $25 per month.
  5. Concord Group: $306 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. Encompass: $1,360 per year, or about $113 per month.
  2. Concord Group: $1,384 per year, or about $115 per month.
  3. Geico: $1,503 per year, or about $125 per month.
  4. Safety Insurance: $1,542 per year, or about $129 per month.
  5. MMG: $1,552 per year, or about $129 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: $262 per year, or about $22 per month.
  2. Safety Insurance: $290 per year, or about $24 per month.
  3. MMG: $300 per year, or about $25 per month.
  4. Encompass: $312 per year, or about $26 per month.
  5. Patriot Insurance: $350 per year, or about $29 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: $1,025 per year, or about $85 per month.
  2. The Hanover: $1,295 per year, or about $108 per month.
  3. Encompass: $1,309 per year, or about $109 per month.
  4. Concord Group: $1,389 per year, or about $116 per month.
  5. Mapfre: $1,520 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. MMG: $1,160 per year, or about $97 per month.
  2. The Hanover: $1,444 per year, or about $120 per month.
  3. Progressive: $1,470 per year, or about $122 per month.
  4. Concord Group: $1,689 per year, or about $141 per month.
  5. Mapfre: $1,910 per year, or about $159 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. MMG: $701 per year, or about $58 per month.
  2. Encompass: $873 per year, or about $73 per month.
  3. The Hanover: $910 per year, or about $76 per month.
  4. Safety Insurance: $923 per year, or about $77 per month.
  5. Geico: $967 per year, or about $81 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: $186 per year, or about $16 per month.
  2. MMG: $220 per year, or about $18 per month.
  3. Safety Insurance: $290 per year, or about $24 per month.
  4. Patriot Insurance: $290 per year, or about $24 per month.
  5. Progressive: $305 per year, or about $25 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. Encompass: $1,342 per year, or about $112 per month.
  2. Concord Group: $1,397 per year, or about $116 per month.
  3. Geico: $1,439 per year, or about $120 per month.
  4. Safety Insurance: $1,542 per year, or about $129 per month.
  5. Mapfre: $1,559 per year, or about $130 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: $257 per year, or about $21 per month.
  2. Safety Insurance: $290 per year, or about $24 per month.
  3. Encompass: $305 per year, or about $25 per month.
  4. MMG: $309 per year, or about $26 per month.
  5. Patriot Insurance: $333 per year, or about $28 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: $1,037 per year, or about $86 per month.
  2. The Hanover: $1,151 per year, or about $96 per month.
  3. Encompass: $1,292 per year, or about $108 per month.
  4. Concord Group: $1,402 per year, or about $117 per month.
  5. Mapfre: $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. MMG: $1,174 per year, or about $98 per month.
  2. The Hanover: $1,280 per year, or about $107 per month.
  3. Progressive: $1,402 per year, or about $117 per month.
  4. Concord Group: $1,705 per year, or about $142 per month.
  5. Mapfre: $1,910 per year, or about $159 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. Encompass: $876 per year, or about $73 per month.
  2. MMG: $883 per year, or about $74 per month.
  3. The Hanover: $1,013 per year, or about $84 per month.
  4. Geico: $1,038 per year, or about $87 per month.
  5. Concord Group: $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: $208 per year, or about $17 per month.
  2. Encompass: $300 per year, or about $25 per month.
  3. MMG: $304 per year, or about $25 per month.
  4. Patriot Insurance: $308 per year, or about $26 per month.
  5. Safety Insurance: $333 per year, or about $28 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. Encompass: $1,352 per year, or about $113 per month.
  2. Concord Group: $1,506 per year, or about $125 per month.
  3. Geico: $1,590 per year, or about $132 per month.
  4. Mapfre: $1,712 per year, or about $143 per month.
  5. Safety Insurance: $1,788 per year, or about $149 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. Encompass: $300 per year, or about $25 per month.
  2. The Hanover: $302 per year, or about $25 per month.
  3. Safety Insurance: $333 per year, or about $28 per month.
  4. Patriot Insurance: $354 per year, or about $30 per month.
  5. Concord Group: $400 per year, or about $33 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. Encompass: $1,300 per year, or about $108 per month.
  2. MMG: $1,315 per year, or about $110 per month.
  3. The Hanover: $1,352 per year, or about $113 per month.
  4. Concord Group: $1,509 per year, or about $126 per month.
  5. Mapfre: $1,661 per year, or about $138 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. The Hanover: $1,462 per year, or about $122 per month.
  2. MMG: $1,487 per year, or about $124 per month.
  3. Progressive: $1,728 per year, or about $144 per month.
  4. Concord Group: $1,835 per year, or about $153 per month.
  5. Mapfre: $2,051 per year, or about $171 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 67 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 2021 Toyota Camry LE 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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