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Best Cheap Car Insurance in New Hampshire for 2021

Dec. 10, 2020
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If you’re in the market for cheap car insurance in New Hampshire, it’s smart to shop around. Quotes can vary from one company to another, even for the same coverage options and limits.

NerdWallet researched rates from 23 insurers in the state and identified the five most affordable options for several driver types.

Cheapest for 20-year-old drivers in New Hampshire

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 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: $1,200 per year.
  2. Concord Group: $1,252 per year.
  3. Amica: $2,118 per year.
  4. Allstate: $2,159 per year.
  5. State Farm: $2,161 per year.

Cheapest minimum coverage 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: $523 per year.
  2. Amica: $586 per year.
  3. MMG: $614 per year.
  4. Allstate: $690 per year.
  5. State Farm: $752 per year.

Cheapest coverage for 20-year-olds with poor credit in New Hampshire

Drivers with poor credit in New Hampshire should look at the following insurers with the lowest average rates for minimum coverage:

  1. Concord Group: $779 per year.
  2. Allstate: $903 per year.
  3. Encompass: $1,169 per year.
  4. Amica: $1,189 per year.
  5. MMG: $1,392 per year.

Cheapest for 20-year-old drivers with one at-fault crash in New Hampshire

For drivers with a recent accident in New Hampshire, here are the companies with the lowest average rates for minimum coverage:

  1. Concord Group: $699 per year.
  2. Amica: $705 per year.
  3. MMG: $902 per year.
  4. State Farm: $937 per year.
  5. Allstate: $973 per year.

Cheapest insurance for 20-year-old drivers after a DUI in New Hampshire

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

  1. Allstate: $840 per year.
  2. Concord Group: $924 per year.
  3. Progressive: $963 per year.
  4. MMG: $1,017 per year.
  5. Amica: $1,287 per year.

Cheapest for 30-year-old drivers in New Hampshire

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 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: $733 per year.
  2. Concord Group: $768 per year.
  3. Amica: $943 per year.
  4. Encompass: $953 per year.
  5. Progressive: $1,021 per year.

Cheapest minimum coverage 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. Amica: $272 per year.
  2. MMG: $274 per year.
  3. Concord Group: $297 per year.
  4. Encompass: $340 per year.
  5. State Farm: $367 per year.

Cheapest coverage for 30-year-olds with poor credit in New Hampshire

Drivers with poor credit in New Hampshire should consider the following companies with the lowest average rates for full coverage:

  1. Concord Group: $1,115 per year.
  2. Encompass: $1,342 per year.
  3. MMG: $1,654 per year.
  4. Progressive: $1,761 per year.
  5. Amica: $1,902 per year.

Cheapest for 30-year-old drivers with one at-fault crash in New Hampshire

For drivers in New Hampshire with a recent accident, here are the lowest average rate options for full coverage:

  1. Concord Group: $1,007 per year.
  2. MMG: $1,090 per year.
  3. State Farm: $1,240 per year.
  4. Amica: $1,388 per year.
  5. Encompass: $1,424 per year.

Cheapest insurance for 30-year-old drivers after a DUI in New Hampshire

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Progressive: $1,176 per year.
  2. MMG: $1,234 per year.
  3. Concord Group: $1,340 per year.
  4. State Farm: $1,630 per year.
  5. Allstate: $1,767 per year.

Cheapest for 40-year-old drivers in New Hampshire

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 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: $590 per year.
  2. Concord Group: $663 per year.
  3. Amica: $917 per year.
  4. Encompass: $953 per year.
  5. Progressive: $970 per year.

Cheapest minimum coverage 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.
  2. Concord Group: $245 per year.
  3. Amica: $265 per year.
  4. Encompass: $340 per year.
  5. State Farm: $363 per year.

Cheapest coverage for 40-year-olds with poor credit in New Hampshire

Drivers with poor credit in New Hampshire can check out the following insurers with the lowest average rates for full coverage:

  1. Concord Group: $959 per year.
  2. MMG: $1,332 per year.
  3. Encompass: $1,342 per year.
  4. Progressive: $1,678 per year.
  5. Amica: $1,848 per year.

Cheapest for 40-year-old drivers with one at-fault crash in New Hampshire

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: $866 per year.
  2. MMG: $876 per year.
  3. State Farm: $1,208 per year.
  4. Amica: $1,361 per year.
  5. Encompass: $1,424 per year.

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

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

  1. MMG: $993 per year.
  2. Progressive: $1,122 per year.
  3. Concord Group: $1,154 per year.
  4. State Farm: $1,598 per year.
  5. Allstate: $1,767 per year.

Cheapest for 50-year-old drivers in New Hampshire

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 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: $543 per year.
  2. Concord Group: $626 per year.
  3. Amica: $854 per year.
  4. Encompass: $866 per year.
  5. Progressive: $867 per year.

Cheapest minimum coverage 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.
  2. Concord Group: $229 per year.
  3. Amica: $248 per year.
  4. Encompass: $309 per year.
  5. State Farm: $358 per year.

Cheapest coverage for 50-year-olds with poor credit in New Hampshire

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: $904 per year.
  2. Encompass: $1,216 per year.
  3. MMG: $1,224 per year.
  4. Progressive: $1,500 per year.
  5. Amica: $1,722 per year.

Cheapest for 50-year-old drivers with one at-fault crash in New Hampshire

For drivers living in New Hampshire with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. MMG: $807 per year.
  2. Concord Group: $817 per year.
  3. State Farm: $1,185 per year.
  4. Encompass: $1,287 per year.
  5. Amica: $1,299 per year.

Cheapest insurance for 50-year-old drivers after a DUI in New Hampshire

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: $913 per year.
  2. Progressive: $1,021 per year.
  3. Concord Group: $1,089 per year.
  4. State Farm: $1,575 per year.
  5. Allstate: $1,721 per year.

Cheapest for 65-year-old drivers in New Hampshire

Although 65-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 mid-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 in New Hampshire for 65-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: $599 per year.
  2. Concord Group: $652 per year.
  3. Progressive: $889 per year.
  4. Encompass: $913 per year.
  5. State Farm: $921 per year.

Cheapest minimum coverage in New Hampshire for 65-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: $223 per year.
  2. Concord Group: $243 per year.
  3. Amica: $317 per year.
  4. State Farm: $342 per year.
  5. Encompass: $344 per year.

Cheapest coverage for 65-year-olds with poor credit in New Hampshire

Drivers with poor credit in New Hampshire can look at the following companies with the lowest average rates for full coverage:

  1. Concord Group: $942 per year.
  2. Encompass: $1,281 per year.
  3. MMG: $1,352 per year.
  4. Progressive: $1,530 per year.
  5. State Farm: $1,998 per year.

Cheapest for 65-year-old drivers with one at-fault crash in New Hampshire

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: $851 per year.
  2. MMG: $890 per year.
  3. State Farm: $1,126 per year.
  4. Encompass: $1,363 per year.
  5. Amica: $1,634 per year.

Cheapest insurance for 65-year-old drivers after a DUI in New Hampshire

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. MMG: $1,008 per year.
  2. Progressive: $1,133 per year.
  3. Concord Group: $1,134 per year.
  4. State Farm: $1,516 per year.
  5. Allstate: $2,103 per year.

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.
  • Homicide or assault arising from driving.

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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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