Best car insurance companies in New Hampshire

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    Article Highlights

    For drivers looking for the best car insurance in New Hampshire, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for New Hampshire and how these rates are affected by your driving record. You can also compare rates by provider and major cities in New Hampshire.

    The average New Hampshire driver pays $1,160 per year for insurance, which breaks down to about $96 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for New Hampshire and may not reflect your actual premium quote.

    New Hampshire Quickfacts

    • Cheapest carrier for full coverage in New Hampshire is USAA: $737
    • Cheapest carrier for minimum coverage in New Hampshire is USAA: $245
    • Carrier with highest customer satisfaction in New Hampshire: USAA
    • Number of uninsured drivers in New Hampshire: 9.9%
    • New Hampshire is on the lower end for car insurance rates

    Average cost of car insurance in New Hampshire

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,137$1,297$1,597
    Minimum coverage$427$508$661

    Quadrant data services, 2020

    Best car insurance companies in New Hampshire

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    State Farm$803$296
    The Hanover$3,250$1,153
    Concord Group$786$302

    Quadrant data services, 2020

    Car insurance rates in New Hampshire by city

    City Full coverage annual rate Minimum coverage annual rate

    Quadrant data services, 2020


    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

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