Compare car insurance quotes in New Hampshire
Jerry is a free app trusted by 1,584 New Hampshire drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average New Hampshire car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in New Hampshire, Jerry drivers pay less:
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$39 to $71 per month for state-mandated minimum coverage.
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$85 to $161 per month for full coverage.
Checking rates from multiple carriers is often the best way to find good deals. Over the last 12 months, Jerry has helped New Hampshirites save an average of $1,314 per year on coverage by comparing quotes across insurers.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Does it sound too time consuming? Jerry can help! Think us as your proactive assistant. We help you compare offers side-by-side and lock in your New Hampshire car insurance in under 10 minutes directly in the app. The app is free, and we protect your privacy by never selling your info or spamming you with calls. If you ever need extra help, our licensed agents are just a tap away.
Just remember that your final quote will depend on personal factors like your driving record, your type of car and where in New Hampshire you live. Here are some full coverage rates that Jerry drivers in New Hampshire have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in New Hampshire is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What New Hampshire drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in New Hampshire that you can find.
Jerry helps you compare quotes from up to 5 trusted insurers in the Granite State, so you can see what’s out there and what you should be paying.
Below are some of the latest quotes Jerry has pulled for New Hampshire drivers at different coverage levels, plus how much each driver saved.
Recent quotes in New Hampshire
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
New Hampshire car insurance coverage requirements
New Hampshire drivers are required to buy a number of auto insurance coverages, including personal property and bodily injury liability, uninsured motorist protection and medical payments coverage (medpay). The minimum coverage requirements in this state are:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
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$25,000 in uninsured motorist coverage per person.
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$50,000 in uninsured motorist coverage per accident.
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$25,000 in uninsured motorist property damage per accident.
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$1,000 in medical payments coverage.
New Hampshire drivers can choose to not get car insurance and instead show proof of financial responsibility by depositing money or approved securities with the state treasurer, in an amount that matches the minimum coverage liability limits listed above.
While this makes you legal to drive, it won’t protect you against many major accidents or damage to your own car. For better protection, many Jerry drivers increase their coverage limits and buy comprehensive and collision coverage. Considering 10% of New Hampshire drivers are uninsured, it might also be a good choice to buy uninsured/underinsured motorist (UIM) protection.
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Coverage definitions
Factors affecting New Hampshire car insurance rates in 2026
Winter ice and road wear
Snow, ice, and frequent freeze-thaw cycles can raise crash risk and add wear-and-tear costs through potholes and rough pavement. Collision coverage helps after a winter crash, while comprehensive can help with certain non-collision losses (like a falling branch in a storm).
Higher-severity rural crashes
Outside the busier corridors, drivers often deal with darker roads, tighter shoulders, and higher speeds. When something goes wrong in those conditions, accidents can be more severe, which is why collision coverage and solid liability limits tend to matter more.
Deer strike exposure
Wildlife collisions peak in fall and early winter, especially on rural roads at dusk and dawn. Animal impacts generally fall under comprehensive coverage, so it’s worth keeping if your driving includes back roads or wooded routes.
Uninsured drivers
About 1 in 10 New Hampshire drivers is uninsured. UM/UIM coverage helps protect you if you’re hit by someone who can’t cover injuries or damage.
Cross-border commuting patterns
Commuting to nearby states can mean more time in heavier traffic corridors and more miles overall, which increases exposure to accidents. If you commute regularly, keeping consistent coverage limits (and considering telematics tools if available to you) can help control costs.
Storm outages and roadside hazards
Nor’easters and winter storms can bring down branches and power lines, creating debris hazards and more parked-car damage. Comprehensive coverage is typically what applies when your vehicle is damaged by falling objects or storm debris outside of a collision.
Average cost of car insurance in major New Hampshire cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $141 | |
| $152 | |
| $102 | |
| $127 | |
| $107 | |
| $102 | |
| $115 | |
| $113 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get New Hampshire quotes in as little as 2 minutes.
Learn more about driving in New Hampshire
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Find out if car insurance is required in New Hampshire.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
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Learn about uninsured motorist coverage and why it matters.
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Discover how to get the best car insurance discounts.
FAQ
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Is New Hampshire an at-fault state?
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What happens if I drive without insurance in New Hampshire?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.