Best Auto Insurance in New Hampshire (2025)
Compare top-rated auto insurance companies in New Hampshire. Find affordable coverage that meets NH state requirements and save up to 40% on your premium.
$987
Avg. Annual Premium
25/50/25
Minimum Coverage
Manchester
Largest City
1.4 million
Population
New Hampshire Auto Insurance Requirements
New Hampshire is the only state that doesn't require auto insurance, but drivers must prove financial responsibility.
Minimum Liability Coverage: 25/50/25
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in New Hampshire
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in New Hampshire can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in New Hampshire use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
New Hampshire Auto Insurance FAQs
What is the minimum auto insurance required in New Hampshire?
New Hampshire requires minimum liability coverage of 25/50/25 (bodily injury per person/per accident/property damage). New Hampshire is the only state that doesn't require auto insurance, but drivers must prove financial responsibility.
How much does car insurance cost in New Hampshire?
The average annual car insurance premium in New Hampshire is $987. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in New Hampshire?
Key factors affecting New Hampshire auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Manchester typically pay more than those in rural areas.
How can I find cheap car insurance in New Hampshire?
To find affordable car insurance in New Hampshire: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free New Hampshire Quote
Compare rates from top insurers and save up to 40% on your auto insurance.
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