Good news for New Hampshire drivers: Jerry’s latest data shows that liability coverage in the Granite State averages about $160 per month. New Hampshire is one of the only states that doesn’t require drivers to carry auto insurance, but you’ll still be financially responsible for injuries or damage you cause, so most drivers choose to buy coverage anyway. Over the past year we’ve helped 558 New Hampshirites lower their premiums, and those who switch with Jerry save an average of $888 per year without sacrificing important protection.
Jerry compares quotes from up to 3 trusted insurers in New Hampshire to build your policy and secure your best price in minutes.
Save on New Hampshire insurance with Jerry.
What New Hampshire drivers are paying right now
Even in a state with comparatively low population density, insurance prices move more than you might expect. Winter storms, winding rural roads, high-speed turnpikes and New Hampshire’s flexible insurance requirement all influence what you pay. Two drivers with similar profiles can still see very different premium levels depending on where they live.
Jerry tracks live quotes across New Hampshire to show you what drivers are actually paying today. Here are some recent full coverage policies purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rates periodically. In New Hampshire, everything from the start of winter to minor updates in your own driving profile can shift what you’ll pay at renewal.
4 easy ways Jerry helps New Hampshire drivers save on car insurance
Finding the lowest number isn’t the full story. Real savings come from understanding how insurers assess risk in New Hampshire and choosing the adjustments that lower your bill without weakening the coverage you need.
Jerry makes that simple by comparing real offers, surfacing discounts you may not know you qualify for and showing you exactly where you can save responsibly.
Here are our top tips to help you spend less and worry less.
| How to save | Average New Hampshire driver savings |
|---|---|
| Compare quotes | 41% to 62% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Keep a clean driving record | 35% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
New Hampshire’s pricing varies more widely than many drivers expect. Rural crash severity tends to be higher due to speed, while southern cities like Manchester and Nashua see heavier traffic and more frequent claims. Add in winter storms, deer collisions and long commuter corridors into Massachusetts, and insurers weigh risks very differently.
Comparing quotes side by side with Jerry is the fastest way to find your best deal.
Here’s where New Hampshire drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | New Hampshire drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Two New Hampshire drivers with the same car and similar driving histories can still pay very different premiums depending on ZIP code, weather exposure and claim volume. Jerry shows you those differences instantly so you can pick the best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most New Hampshire drivers qualify for several discounts like safe-driver incentives, multi-vehicle savings, paperless billing, anti-theft devices, homeowner bundles and more. But insurers aren’t always proactive about applying every discount.Jerry identifies the savings available to you so your discounts don’t get overlooked.
Key takeaway: Stacking discounts typically saves more than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
New Hampshire’s weather can be unpredictable — slick roads, black ice, heavy snowfall and sudden deer crossings all influence claim frequency. Raising your deductible can reduce your premium, but only if it’s an amount you can comfortably pay should you need to file a claim.
Here’s what Jerry drivers are choosing for their deductibles:
To find your ideal deductible:
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Check your car’s current value (Jerry updates it monthly).
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Pick a number you can realistically cover out of pocket.
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Compare how each deductible option changes your rate instantly.
The Jerry difference: Jerry shows the price changes for multiple deductible levels in real time so you can choose the balance of cost and protection that fits you best.
Jerry Agent Tip 4: Keep a clean driving record
In New Hampshire, violations don’t just add points, they add cost. Jerry data shows that a single ticket or citation raises premiums by 35% on average, and more serious violations can drive prices even higher. Rural speeding, distracted driving in winter traffic or rolling stops on local roads can all have long-term impacts.
The most reliable way to keep your rate low is to keep your record clean. And once any violation clears, Jerry automatically re-shops your policy so you can capture savings as soon as you qualify.
Get personalized car insurance rates now.
How to get better coverage without overpaying
New Hampshire may not require auto insurance, but drivers who opt in must meet the 25/50/25 liability minimum plus medical payments coverage if they want to satisfy the state’s financial responsibility rules.
These are the coverage tiers you’ll see when you shop:
Minimum
$38 – $65/mo
Meets financial responsibility minimums but won’t cover your own vehicle.
Standard
$85 – $160/mo
Includes UM/UIM and medical payments, valuable in a state where rural crashes can be severe.
Preferred
$105 – $193/mo
Offers higher liability limits, lower deductibles and extras like towing or rental coverage.
Key takeaway: Start with your comfort around risk and your car’s value. Jerry shows real-time prices across all coverage levels so you can choose confidently.
While liability-only is the cheapest policy in New Hampshire, a few well-priced add-ons can make a major difference when you actually need them.
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Coverage definitions
New Hampshire insurance factors at a glance
New Hampshire’s driving environment is shaped by rugged winters, rural roadways and cross-border commuting, which means premiums reflect real-world risks more than many people realize. Understanding those pressures helps you choose coverage that truly fits your life behind the wheel.
Winter conditions
Ice, snow and freeze-thaw damage increase crash and repair costs, so comprehensive coverage is a good call.
Rural crash severity
High-speed, low-visibility routes can lead to more severe accidents, making collision coverage important.
Deer collisions
Wildlife strikes peak in fall and early winter — another vote for comprehensive.
Uninsured drivers
One in 10 New Hampshire drivers is uninsured, making UM/UIM very valuable.
New Hampshire Insurance After a Ticket, Accident or SR-22
Jerry helps make sure one mistake doesn’t define your premium for years. We work with insurers that evaluate your entire profile, not just your last violation. Then, we automatically re-shop your policy as your record improves.
If you got a ticket
New Hampshire’s point system penalizes speeding, reckless driving, failure to yield and distracted driving. Enough points can lead to suspensions, and even one ticket can raise your rate for several years. Some drivers can reduce penalties by completing driver improvement courses.
Sign up in the Jerry app and we’ll monitor your driving record. After your violation clears, Jerry automatically shops for lower prices.
Here are the average rate increases we’ve seen for New Hampshire drivers after a ticket:
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Speeding under 15: 39%
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Speeding over 15: 24%
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Failure to obey traffic sign: 9%
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Reckless driving: 0%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
New Hampshire is an at-fault state, so the responsible driver pays for damages. An at-fault crash typically raises premiums by 6% on average, and those higher rates often stick around for three to five years. Jerry secures your best available price now and re-shops your policy when the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
DUI penalties in New Hampshire are significant, and insurance surcharges reflect that. You can expect your premium to rise by -20% on average, and elevated pricing may last several years.
Some insurers, however, still offer more reasonable high-risk options. Jerry identifies those carriers and re-shops your policy as your record recovers.
Here are the five cheapest carriers for New Hampshire drivers after a DUI:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $128 | Yes | |
| $399 | ||
| $439 | ||
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in New Hampshire
New Hampshire may require an SR-22 after certain violations, uninsured crashes or administrative suspensions. Select the SR-22 option in the Jerry app to see only insurers that handle these filings. Many charge around $25 per year for the paperwork.
Car Insurance with Bad Credit
New Hampshire allows insurers to use credit-based insurance scores, but credit is only one factor among many. Your driving history, claim history, mileage and coverage choices often influence your premium more than credit alone.
Jerry compares prices instantly so you can find the insurer that treats your credit profile most favorably.
Drive with confidence
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
New Hampshire’s blend of rural highways, challenging winters and flexible insurance requirements means there’s no single cheapest policy for everyone. The best coverage is the one that actually fits how and where you drive.
Jerry makes that easy by matching you with strong, affordable coverage and automatically re-shopping whenever your price can improve.
Get New Hampshire coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
