Best Cheap Car Insurance in New Hampshire for 2017

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 these driver types:

Good drivers

Young drivers

Drivers with one at-fault crash

Drivers with poor credit

Retired drivers

Also in this article

Minimum car insurance requirements in New Hampshire

Alternative car insurance in New Hampshire

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

For drivers with no at-fault crashes, DUIs or moving violations.


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Price

  • $809/year

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Price

  • $921/year

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Price

  • $1,027/year

The average quote for good drivers among the three cheapest insurers was $919 per year. Amica Mutual led the way with an average sample rate of $809 a year, which translates to about $67 a month. The Concord Group, a regional insurer, and industry giant Geico rounded out the list of most affordable options.

Motorists with clean records often can get discounts for their safe driving, such as those for avoiding accidents or moving violations. Compare perks offered by companies for incident-free drivers before deciding on an insurer.

Cheapest for young drivers

For drivers in their early 20s.


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Price

  • $548/year

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price

  • $583/year

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Price

  • $642/year

Drivers in their early 20s are just starting out financially and usually don’t need as much coverage as older motorists who have more to lose in a crash-related lawsuit. As a result, young drivers can find relatively cheap car insurance in New Hampshire.

We gathered quotes for drivers in their 20s carrying the lowest possible coverage limits. Amica Mutual fetched the best deal at $548 per year. This was roughly $22 less per month than the best deal we found for 30-year-old good drivers, who carried fuller policies.

Cheapest for drivers with one at-fault crash


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Price

  • $961/year

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Price

  • $1,096/year

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Price

  • $1,171/year

You generally can expect a rate increase as a result of causing a crash. The cheapest quote we found for this group was $961 per year from Amica Mutual, which was $152 higher than the company’s price for drivers of the same age with no crashes.

Having a blemish on your driving record is no reason to settle for the first quote you get, however. New Hampshire residents with a checkered accident history can benefit as much as anyone by shopping around.

Cheapest for drivers with poor credit

For drivers placed in the “poor credit” tier.


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Price

  • $1,027/year

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Price

  • $1,346/year

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Price

  • $1,480/year

Insurers in most states, including New Hampshire, can consider your credit-based insurance score when calculating rates. Having poor credit can be an indicator of future claims, and tends to mean higher car insurance prices.

For example, Geico notched the cheapest average quote for this group at $1,027 per year. This was roughly $18 higher per month than the best deal we found for drivers with good credit.

Cheapest for retired drivers

For drivers in their mid- to late-60s who no longer use their car for commuting.


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Price

  • $770/year

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Price

  • $789/year

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Price

  • $807/year

Because they typically drive less frequently than their younger, commuting counterparts, retirees can find relatively cheap car insurance in New Hampshire.

We gathered quotes for drivers in their 60s who travel half as many miles annually as people in our other profile categories. The Concord Group was the lowest with an average rate of $770 per year. That’s cheaper than the lowest price available to drivers half that age who have a daily commute. All three of the cheapest quotes in this group had rates under $68 a month, so retirees should be able to find a few decently priced options.

Minimum required car insurance in New Hampshire

Unlike other states, New Hampshire doesn’t require 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.

If you go without insurance, state law requires you to be able to pay up to the minimum liability coverage limits on your own in case you cause a crash.

New Hampshire will require you to buy car insurance if you’re convicted of certain violations, such as a DUI or leaving the scene of an accident.

Upon receipt of an abstract of the record in case of conviction of any person for one of the following offenses, the director may suspend the license of the person so convicted and the registration certificates of any motor vehicle, trailer, or semi-trailer registered in the name of such person and require the surrender of the registration plates of any such vehicle, unless and until such person gives and thereafter maintains proof of his financial responsibility in the future:

(a) Driving a motor vehicle while under the influence of intoxicating liquor or narcotic drugs;

(b) Failing to stop and report when involved in an accident;

(c) Homicide or assault arising out of the driving of a motor vehicle;

(d) The second time for driving a vehicle at an excessive rate of speed;

(e) The second time for driving a vehicle in a reckless manner and a violation of such other of the provisions of any state law relative to vehicles as the director shall determine.

And if you cause an accident, you’ll have to provide “proof of financial responsibility” going forward. This can be done by buying auto insurance or depositing money or securities with the state treasurer.

 

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 driversAmica Mutual
Young driversAmica Mutual
Drivers with one at-fault crashAmica Mutual
Drivers with poor creditGeico
Retired driversThe Concord Group

METHODOLOGY

For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

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

We used a 2013 Toyota Camry in all cases. Our sample retired driver was age 67 and drove 50% fewer annual miles than people in other groups. Our sample young driver was age 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Alex Glenn is a staff writer at NerdWallet, a personal finance site. Email: aglenn@nerdwallet.com.

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