Key Takeaways
- Bristol West and Progressive offer some of the cheapest car insurance in New Hampshire.
- The average cost of minimum coverage in New Hampshire is around $90-100 per month.
- Compare quotes from 50+ insurers to find the cheapest car insurance in New Hampshire.
You may find cheap car insurance in New Hampshire with companies like Bristol West and Progressive. These insurers are among the most affordable in the state, according to real quotes for Jerry customers.
Below are other affordable car insurance providers for minimum and full coverage, plus by age, driving history and credit score.
To find the best car insurance in New Hampshire, compare car insurance quotes from multiple insurers.
Cheap minimum coverage in New Hampshire
While car insurance isn’t required in New Hampshire, those who do need it often select minimum liability coverage. It provides protection in case you’re responsible for injury or property damage but does not include your own losses. This approach is often used by those seeking to stay covered with minimal investment. Drivers in New Hampshire should still review available policies to ensure they’re getting adequate and affordable protection.
Below are the cheapest auto insurers in New Hampshire for minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $42 | $499 |
| Trexis | $54 | $650 |
| Bristol West | $81 | $975 |
| Progressive | $111 | $1,327 |
| National General | $128 | $1,534 |
Minimum car insurance requirements in New Hampshire
New Hampshire’s minimum car insurance requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $25,000 in uninsured motorist coverage per person.
- $50,000 in uninsured motorist coverage per accident.
- $25,000 in uninsured motorist property damage per accident.
- $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.
Cheap full coverage car insurance in New Hampshire
Securing cheap full coverage auto insurance in New Hampshire, where car insurance isn’t required by law, still makes sense for many drivers. Full coverage generally combines liability, collision and comprehensive protection which covers incidents like crashes, break-ins and storm damage. It’s especially important if your vehicle is expensive to replace.
Here are the most affordable insurers in New Hampshire for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $137 | $1,640 |
| Progressive | $158 | $1,899 |
| Bristol West | $183 | $2,200 |
| Trexis | $190 | $2,281 |
| Safeco | $219 | $2,632 |
| Gainsco | $401 | $4,815 |
| The General | $421 | $5,046 |
| Embark General | $464 | $5,573 |
| National General | $607 | $7,281 |
| ROOT | $874 | $10,493 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in New Hampshire
In New Hampshire, limited driving experience places young motorists in a high-risk category, raising their insurance premiums. Without years of accident-free driving to offset risk, providers price accordingly and even responsible young drivers often can’t escape age-related surcharges.
Below are the average costs of car insurance in New Hampshire for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $313 | $3,750 |
| 21-24 | $191 | $2,295 |
Average auto insurance costs for mature drivers in New Hampshire (25-54)
In New Hampshire, drivers with more years behind the wheel often enjoy better insurance rates due to their safe habits. A clean driving record helps insurers see them as dependable as they’re less likely to cause or be involved in costly incidents. That reputation earns them access to more affordable premiums.
Below are the average costs of car insurance for drivers in New Hampshire between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $157 | $1,885 |
| 35-44 | $188 | $2,260 |
| 45-54 | $138 | $1,655 |
Average car insurance costs for older drivers in New Hampshire (55+)
In New Jersey, older drivers may be charged more for auto insurance due to age-related declines in reaction speed and alertness. Even with an impeccable history, these risk factors weigh into rate changes and the increases aim to reflect future safety concerns more than past behavior.
Below are the average costs of car insurance for drivers in New Hampshire 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $104 | $1,244 |
| 65+ | $125 | $1,502 |
Cheapest car insurance in New Hampshire by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in New Hampshire
Drivers in New Hampshire who maintain clean driving records are often considered low-risk. This status can unlock better insurance terms and lower price points as providers appreciate consistent safe behavior. It’s a major asset when shopping for or renewing a car insurance policy.
Below are the cheapest auto insurers in New Hampshire for drivers with clean driving records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $120 | $1,441 |
| National General | $128 | $1,534 |
| Progressive | $130 | $1,556 |
| Dairyland | $137 | $1,640 |
| Bristol West | $144 | $1,726 |
Cheapest car insurance with a speeding ticket in New Hampshire
Speeding tickets in New Hampshire may prompt insurers to take a second look at your driving patterns. They suggest moments when safety guidelines were ignored and even if the violation was minor, it may impact your rates.
Below are the cheapest auto insurers in New Hampshire for people with speeding violations.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $79 | $946 |
| Trexis | $80 | $963 |
| Commonwealth Insurance | $89 | $1,062 |
| Assurance America | $103 | $1,239 |
| Bristol West | $127 | $1,527 |
Cheapest car insurance after an at-fault accident with no injury in New Hampshire
An at-fault accident without injuries in New Hampshire still affects how your insurer sees you. These incidents suggest that more care is needed while driving and damage to property and resulting claims are taken seriously. Your policy may reflect the added risk afterward with an increase in premium cost.
Below are the cheapest auto insurers in New Hampshire for people with an at-fault accident with no injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bristol West | $158 | $1,891 |
| Progressive | $160 | $1,923 |
| Safeco | $284 | $3,411 |
Average auto insurance costs for New Hampshire drivers with other violations
Other traffic violations in New Hampshire, such as unsafe lane changes or running stop signs, can add up over time. Insurers use this information to evaluate your driving consistency and the more violations appear on your record, the more limited your coverage choices may become.
Below are average car insurance costs in New Hampshire for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $60 | $722 |
| Cell Phone | $675 | $8,096 |
| Defective Equipment | $67 | $801 |
| Driving on Sus. License | $180 | $2,161 |
| Failure to Obey Traffic Sign | $167 | $2,005 |
Cheapest auto insurance for low credit scores in New Hampshire
New Hampshire drivers with low credit scores will likely have more expensive insurance costs than those with higher scores. Below are the most affordable insurers in New Hampshire for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $79 | $946 |
| Trexis | $80 | $963 |
| Commonwealth Insurance | $89 | $1,062 |
| Assurance America | $103 | $1,239 |
| Bristol West | $114 | $1,364 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in New Hampshire
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
Learn more: Best car insurance companies
Factors that affect car insurance costs in New Hampshire
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
Learn more: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
