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Best Cheap Car Insurance in New Hampshire for 2019

March 20, 2019
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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 the seven largest insurers in the state and identified the three most affordable options for several driver types.

Cheapest for good drivers

Concord Group had the cheapest average auto insurance rates we found in New Hampshire for good drivers with clean credit, at roughly $61 per month. Geico and State Farm complete the list, all three coming in less than $75 per month, on average.

InsurerAverage priceGet your rate
*Concord Group is not rated because there is not enough data to evaluate it against larger companies.

NerdWallet rating: Not rated*

$735/year

$61/month

3.5 NerdWallet rating

$825/year

$69/month


4.0 NerdWallet rating

$881/year

$73/month

For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

For New Hampshire drivers with spotty credit, Concord Group was the cheapest auto insurance carrier in our analysis, coming in at $90 per month, on average. Geico and Amica were also in the top three.

InsurerAverage priceGet your rate
*Concord Group is not rated because there is not enough data to evaluate it against larger companies.

NerdWallet rating: Not rated*

$1,075/year

$90/month

3.5 NerdWallet rating

$1,195/year

$100/month


4.5 NerdWallet rating

$1,663/year

$139/month


Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

New Hampshire drivers who have caused an accident recently might want to check out Concord Group, which had an average rate of $81 per month for this group. State Farm and Geico were second and third, respectively.

InsurerAverage priceGet your rate
*Concord Group is not rated because there is not enough data to evaluate it against larger companies.

NerdWallet rating: Not rated*

$967/year

$81/month

4.0 NerdWallet rating

$1,018/year

$85/month

3.5 NerdWallet rating

$1,111/year

$93/month


To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest for low-mileage drivers

Concord Group was the cheapest carrier we found for New Hampshire drivers who put few annual miles on their cars, at an average monthly price of $59. Geico and State Farm complete the list.

InsurerAverage priceGet your rate
*Concord Group is not rated because there is not enough data to evaluate it against larger companies.

NerdWallet rating: Not rated*

$709/year

$59/month

3.5 NerdWallet rating

$738/year

$62/month


4.0 NerdWallet rating

$787/year

$66/month

Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Cheapest for minimum coverage

Geico had the cheapest rates we saw for minimum coverage auto insurance in New Hampshire, at an average of $26 per month. Concord Group barely edged out Amica for second place. These carriers were the only ones with rates under $30 per month, on average.

InsurerAverage priceGet your rate
*Concord Group is not rated because there is not enough data to evaluate it against larger companies.
3.5 NerdWallet rating

$313/year

$26/month



NerdWallet rating: Not rated*

$333/year

$28/month

4.5 NerdWallet rating

$339/year

$28/month



We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.

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 auto insurance quotes comparison tool.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in New Hampshire

CategoryCheapest option
Good driversConcord Group
Drivers with poor creditConcord Group
Drivers with one at-fault crashConcord Group
Low-mileage driversConcord Group
Minimum coverageGeico
For our base-profile driver with good credit and a clean driving history, NerdWallet averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured/underinsured motorist bodily injury coverage per person.
  • $300,000 uninsured/underinsured motorist bodily injury coverage per crash.
  • $50,000 uninsured/underinsured motorist property damage liability coverage per crash.
  • $1,000 medical payments coverage.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.

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