Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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UPDATED: Jul 18, 2020

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New Hampshire Statistics SummaryDetails
Road Miles
Total in State: 16,132
Vehicle Miles Driven: 12,970 Million
Vehicles Registered1,234,098
Population
1,356,458
Most Popular Vehicle
Silverado 1500
Total Driving Related Deaths (2017)102
Speeding-Related Fatalities (2017)58
DUI-Related Fatalities (2017)27
Average Premiums (Annual)Liability: $400.56
Collision: $307.42
Comprehensive: $110.77
Combined Premium: $818.75
Percentage of Motorists Uninsured9.9%
State Rank: 35th
Cheapest Provider Geico
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 Currier Museum of Art, Mount Washington, and Ice Castles are just some of the endless things to do and see in New Hampshire. From the beautiful foliage to the snowy winters, New Hampshire has so much to offer residents and tourists.

If you live in New Hampshire, chances are you drive most places. Whether this driving is for work or play, you need to know the ins and outs of the roads and insurance. Who has the time for all that research?

We do. We take facts and figures and compile them into easy tables and graphs to help you figure out the best insurance and companies for your needs. So while you are enjoying the historical sites, snowy mountains, or amazing beaches, we will do the work for you.

If you already know the facts and are just looking for a cheap auto insurance quote, enter your zip code to use our free comparison quote tool.

Table of Contents

New Hampshire Car Insurance Coverage & Rates

Coverage and rates are not the most exciting topics, but they are necessary to look at if you are looking to purchase car insurance. We are going to take a look at how much coverage is required and what the average New Hampshire resident pays for car insurance.

New Hampshire Minimum Coverage

New Hampshire is one of the few states that does not have a law requiring insurance. While you may like that fact you do not have to pay for insurance if you do not want it, think what would happen if you were to get into an accident without any coverage.

Driving without insurance could cause financial ruin for you or someone else. You are required to pay for property damage and bodily injury if you get into an accident. So while you do not have to have insurance, we recommend it.

Not everyone gets a free pass to drive without insurance. The following convictions will require drivers to obtain insurance and show financial responsibility in New Hampshire:

  • A driving while intoxicated conviction
  • An at-fault accident without having insurance
  • Drivers convicted of certain violations such as leaving the scene of an accident or second reckless driving offense

If you chose to carry insurance you must maintain the following minimum coverage limits:

  • $25,000 – bodily injury liability for one person
  • $50,000 – bodily injury liability total for multiple persons
  • $25,000 – property damage
  • $1,000 – medical payments

You must keep proof of insurance in your vehicle, which could be an ID card or a copy of your policy. New Hampshire also allows electronic proof of your insurance on your cellular device.

Minimum coverage costs vary from state to state.

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Forms of Financial Responsibility

If you are required to have proof of financial responsibility or proof of insurance, you have two options. Since you are required to pay for bodily injury or property damage, you can deposit securities at the state treasurer’s office showing you have funds to cover damages in the event of an at-fault accident.

If you do not have funds personally to deposit, you can obtain an insurance policy with the above-listed minimum limits.

Premiums as a Percentage of Income

We took a look at the three-year trend of how much disposable income accounts for the cost of insurance premiums in New Hampshire.

Full Coverage 2014Disposable Income 2014Income PercentageFull Coverage 2013Disposable Income 2013Income PercentageFull Coverage 2012Disposable Income 2012Income Percentage
$795.50$48,280.001.65%$773.30$46,651.001.66%$755.76$47,346.001.60%
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Interested to plug in your information? Use our percentage calculator to figure out your exact percentage.

CalculatorPro

Average Monthly Car Insurance Rates in NH (Liability, Collision, Comprehensive)

The core coverages of a policy are liability, comprehensive, and collision. Liability coverage is used for the other party if you are found at fault. Comprehensive and collision are used on your vehicle regardless of fault.

We took data from the National Association of Insurance Commissioners and found both the average premiums for New Hampshire and national averages. These averages are based on New Hampshire’s minimum limits.

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Coverage TypeNational AverageNew Hampshire Average
Full Coverage$1009.38$818.75
Liability$538.73$400.56
Collision$322.61$307.42
Comprehensive$148.04$110.77
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New Hampshire averages are lower on all categories.

Additional Liability

If you chose to buy insurance, you are required to have additional coverages. Medical payment coverage is used for your medical bills in the event of bodily injury. This is a required coverage in New Hampshire.

Uninsured and underinsured motorist coverage is used if you are in an accident with someone who doesn’t have insurance or doesn’t have enough to cover your loss.

CoverageLoss Ratios
Medical Payments 68.50%
Uninsured/Underinsured Motorist Coverage59.51%
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This table shows the loss ratio of New Hampshire insurance companies. Loss ratios show how much a company is getting in earned premium versus how much they are spending in claims. For instance, a company that made $100,000 and paid out $50,000 in claims has a 50 percent loss ratio.

If a company has a higher ratio, say 100 or over, they are not making money. If their ratio is lower, say below 50, they do not pay out in claims.

Add-Ons, Endorsements, & Riders

Insurance companies offer an array of different endorsements and additional coverages you can add to your policy. Below are some of the most commonly added coverages.

Average Car Insurance Rates by Age & Gender in NH

A lot of different factors go into getting an insurance rate. In this section, we are going to take a look at age, gender, and marital status.

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CompanyMarried 35-year-old female annual ratesMarried 35-year-old male annual ratesMarried 60-year-old female annual ratesMarried 60-year-old male annual ratesSingle 17-year-old female annual ratesSingle 17-year-old male annual ratesSingle 25-year-old female annual ratesSingle 25-year-old male annual rates
Allstate $1,971.11$2,091.82$2,108.93$2,311.91$4,044.64$5,099.29$2,074.05$2,199.82
Geico $1,057.44$1,046.60$946.66$946.66$2,567.96$3,560.95$1,102.51$1,664.55
Safeco $4,942.38$5,338.33$4,025.54$4,521.69$18,139.34$20,118.55$5,209.68$5,519.33
Nationwide$1,585.61$1,608.07$1,429.82$1,499.99$4,405.75$5,590.99$1,823.61$1,956.81
Progressive $1,366.59$1,244.66$1,188.47$1,199.26$6,320.20$6,980.91$1,610.65$1,618.31
State Farm$1,352.09$1,352.09$1,231.58$1,231.58$4,066.25$5,031.12$1,508.29$1,721.50
USAA$992.31$973.40$926.28$927.55$4,269.45$4,673.07$1,246.20$1,361.16
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While some companies may adjust their rate based on your gender, across the board the rates are very close. The biggest factor is age. Check out those Safeco rates for young, male drivers. Yikes!

The more experience you have as a driver, the lower your rate will go.

Cheapest Rates by Zip Code

You are also rated based on where your car is garaged. Zip code and the city can make an impact on your rates.

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ZipcodeAnnual AverageAllstateGeicoSafeco NationwideProgressive State Farm USAA
03104$3,845.88$3,137.78$1,929.49$10,234.44$3,322.91$3,081.80$2,949.61$2,265.12
03101$3,835.72$3,133.15$1,929.49$10,234.44$3,322.91$3,081.80$2,883.13$2,265.12
03102$3,825.66$3,002.18$1,878.72$10,234.44$3,322.91$3,081.80$2,994.46$2,265.12
03103$3,762.33$2,762.47$1,878.72$10,234.44$3,322.91$3,081.80$2,790.88$2,265.12
03841$3,735.99$3,212.02$1,731.34$9,804.60$2,827.31$3,434.34$2,863.76$2,278.55
03811$3,725.58$3,212.02$1,798.02$9,804.60$2,827.31$3,434.34$2,724.21$2,278.55
03109$3,720.88$2,787.74$1,747.47$10,234.44$3,322.91$3,081.80$2,606.71$2,265.12
03826$3,695.88$3,456.72$1,798.02$9,804.60$2,827.31$2,790.16$2,915.78$2,278.55
03858$3,694.35$3,163.14$1,798.02$9,804.60$2,827.31$3,241.23$2,747.63$2,278.55
03848$3,689.28$3,163.14$1,798.02$9,804.60$2,827.31$3,241.23$2,712.14$2,278.55
03079$3,678.46$3,132.62$1,762.82$9,646.10$3,153.58$3,289.60$2,363.39$2,401.14
03865$3,653.43$2,918.41$1,798.02$9,804.60$2,827.31$3,241.23$2,705.88$2,278.55
03087$3,648.72$3,132.62$1,747.47$9,646.10$3,153.58$2,946.89$2,513.28$2,401.14
03827$3,640.47$3,060.96$1,650.93$9,804.60$2,827.31$3,241.23$2,619.70$2,278.55
03076$3,611.18$3,103.08$1,747.47$9,646.10$2,528.63$3,289.60$2,562.23$2,401.14
03874$3,610.79$2,904.06$1,650.93$9,804.60$2,827.31$3,241.23$2,568.83$2,278.55
03859$3,512.48$3,163.14$1,798.02$9,804.60$2,421.57$2,790.16$2,689.18$1,920.69
03060$3,451.59$2,959.49$1,847.27$9,141.45$2,842.24$2,848.25$2,637.91$1,884.55
03819$3,424.28$2,918.41$1,650.93$9,804.60$2,421.57$2,790.16$2,463.63$1,920.69
03064$3,405.94$2,960.04$1,650.60$9,141.45$2,842.24$2,848.25$2,514.48$1,884.55
03032$3,404.93$3,132.62$1,747.47$8,513.56$3,153.58$2,923.20$2,403.01$1,961.04
03062$3,400.72$2,959.49$1,650.60$9,141.45$2,842.24$2,848.25$2,478.49$1,884.55
03038$3,394.58$2,863.36$1,886.80$8,483.24$3,153.58$2,749.60$2,664.42$1,961.04
03063$3,389.41$2,959.49$1,650.60$9,141.45$2,842.24$2,848.25$2,399.32$1,884.55
03049$3,331.53$2,936.83$1,689.50$9,141.45$2,469.60$2,785.35$2,336.95$1,961.04
03053$3,324.24$2,761.92$1,747.47$8,483.24$3,153.58$2,785.35$2,377.07$1,961.04
03073$3,314.36$3,132.62$1,762.82$8,382.59$2,421.57$3,289.60$2,290.65$1,920.69
03045$3,294.84$2,966.90$1,731.34$8,483.24$2,740.73$2,681.54$2,499.12$1,961.04
03031$3,277.35$2,959.49$1,689.50$8,483.24$2,740.73$2,785.35$2,322.10$1,961.04
03110$3,272.93$3,002.18$1,628.13$8,483.24$2,740.73$2,681.54$2,413.65$1,961.04
03873$3,269.18$3,212.02$1,731.34$8,476.40$2,421.57$2,621.90$2,500.32$1,920.69
03106$3,268.15$2,677.93$1,731.34$8,513.56$2,367.40$2,995.98$2,629.77$1,961.04
03070$3,263.40$2,886.16$1,731.34$8,476.40$2,740.73$2,736.25$2,352.22$1,920.69
03281$3,260.44$2,803.12$1,731.34$8,476.40$2,740.73$2,736.25$2,414.54$1,920.69
03051$3,242.99$2,732.39$1,747.47$8,483.24$2,528.63$2,785.35$2,462.81$1,961.04
03046$3,227.36$2,971.51$1,731.34$8,483.24$2,367.40$2,681.54$2,435.78$1,920.69
03052$3,214.50$2,761.92$1,747.47$8,483.24$2,528.63$2,785.35$2,233.82$1,961.04
03036$3,213.97$3,023.44$1,731.34$8,476.40$2,421.57$2,621.90$2,302.44$1,920.69
03054$3,201.58$2,690.79$1,628.13$8,483.24$2,740.73$2,785.35$2,121.76$1,961.04
03055$3,200.23$2,853.05$1,689.50$8,476.40$2,469.60$2,720.14$2,272.24$1,920.69
03833$3,197.59$2,897.03$1,650.93$8,433.03$2,583.08$2,834.52$2,196.82$1,787.68
03862$3,194.47$2,904.06$1,630.33$8,476.40$2,583.08$2,824.12$2,155.66$1,787.68
03033$3,187.78$2,853.05$1,689.50$8,382.59$2,469.60$2,720.14$2,278.87$1,920.69
03041$3,185.18$2,863.36$1,886.80$8,201.11$2,421.57$2,785.35$2,217.39$1,920.69
03856$3,180.82$2,904.06$1,650.93$8,288.13$2,583.08$3,007.19$2,044.64$1,787.68
03044$3,176.64$2,809.25$1,650.93$8,476.40$2,421.57$2,790.16$2,167.45$1,920.69
03842$3,174.72$2,904.06$1,630.33$8,288.13$2,583.08$2,855.08$2,174.70$1,787.68
03048$3,173.94$2,853.05$1,497.18$8,476.40$2,469.60$2,578.15$2,422.50$1,920.69
03885$3,173.12$2,904.06$1,630.33$8,288.13$2,583.08$2,855.08$2,163.51$1,787.68
03261$3,172.67$2,579.94$1,731.34$8,476.40$2,421.57$2,621.90$2,456.83$1,920.69
03570$3,170.23$2,776.57$1,619.58$8,382.59$2,398.41$2,878.16$2,199.02$1,937.28
03084$3,168.50$2,799.54$1,572.74$8,476.40$2,469.60$2,578.15$2,362.35$1,920.69
03590$3,164.31$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,310.72$1,918.91
03871$3,164.19$2,894.93$1,630.33$8,288.13$2,583.08$2,855.08$2,110.10$1,787.68
03844$3,163.02$2,904.06$1,630.33$8,288.13$2,583.08$2,855.08$2,092.76$1,787.68
03575$3,162.30$2,776.57$1,667.83$8,382.59$2,398.41$2,873.72$2,118.06$1,918.91
03586$3,161.98$2,776.57$1,667.83$8,382.59$2,398.41$2,871.51$2,118.06$1,918.91
03870$3,161.79$2,894.93$1,630.33$8,288.13$2,583.08$2,855.08$2,093.29$1,787.68
03034$3,161.67$2,653.66$1,731.34$8,476.40$2,421.57$2,621.90$2,306.11$1,920.69
03576$3,160.98$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,287.45$1,918.91
03071$3,160.05$2,792.98$1,572.74$8,382.59$2,469.60$2,578.15$2,403.60$1,920.69
03086$3,159.94$2,853.05$1,497.18$8,476.40$2,469.60$2,578.15$2,324.53$1,920.69
03579$3,159.78$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,279.04$1,918.91
03582$3,159.77$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,278.98$1,918.91
03593$3,156.04$2,776.57$1,619.58$8,382.59$2,398.41$2,878.16$2,118.06$1,918.91
03592$3,154.79$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,244.06$1,918.91
03840$3,153.42$2,894.93$1,630.33$8,288.13$2,583.08$2,855.08$2,034.67$1,787.68
03588$3,152.90$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,230.88$1,918.91
03249$3,151.96$2,516.00$1,677.77$8,697.05$2,497.26$2,597.59$2,157.41$1,920.69
03585$3,150.03$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,210.75$1,918.91
03584$3,149.75$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,208.83$1,918.91
03246$3,149.74$2,500.56$1,677.77$8,697.05$2,497.26$2,597.59$2,157.72$1,920.28
03740$3,149.45$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,206.70$1,918.91
03785$3,148.85$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,202.51$1,918.91
03244$3,147.66$2,803.12$1,497.18$8,476.40$2,469.60$2,578.15$2,288.50$1,920.69
03037$3,146.95$2,578.08$1,731.34$8,382.59$2,421.57$2,621.90$2,372.50$1,920.69
03468$3,146.12$2,792.98$1,497.18$8,476.40$2,469.60$2,578.15$2,287.82$1,920.69
03823$3,144.79$2,683.68$1,510.82$8,433.03$2,682.03$2,886.53$2,172.86$1,644.58
03082$3,144.30$2,853.05$1,497.18$8,476.40$2,469.60$2,578.15$2,215.03$1,920.69
03057$3,143.93$2,853.05$1,497.18$8,476.40$2,469.60$2,578.15$2,212.46$1,920.69
03215$3,143.86$2,732.30$1,667.83$8,476.40$2,398.41$2,695.12$2,118.06$1,918.91
03238$3,143.86$2,732.30$1,667.83$8,476.40$2,398.41$2,695.12$2,118.06$1,918.91
03234$3,143.33$2,550.40$1,731.34$8,476.40$2,469.60$2,578.15$2,276.70$1,920.69
03458$3,142.33$2,792.98$1,497.18$8,476.40$2,469.60$2,578.15$2,261.30$1,920.69
03852$3,140.95$2,789.42$1,667.83$8,476.40$2,421.57$2,642.42$2,068.33$1,920.69
03043$3,140.88$2,799.54$1,497.18$8,476.40$2,469.60$2,578.15$2,244.60$1,920.69
03242$3,139.93$2,809.29$1,497.18$8,476.40$2,469.60$2,578.15$2,228.19$1,920.69
03825$3,139.52$2,659.34$1,583.08$8,476.40$2,421.57$2,621.90$2,293.66$1,920.69
03583$3,138.79$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,132.10$1,918.91
03817$3,138.62$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03850$3,138.62$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03883$3,138.62$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03890$3,138.62$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03897$3,138.62$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03774$3,138.01$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,126.64$1,918.91
03561$3,137.67$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,124.23$1,918.91
03263$3,137.04$2,596.74$1,583.08$8,382.59$2,469.60$2,621.90$2,384.70$1,920.69
03589$3,136.79$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03597$3,136.79$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03765$3,136.79$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03771$3,136.79$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03780$3,136.79$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03832$3,136.79$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03838$3,136.79$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03847$3,136.79$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03580$3,136.50$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,116.04$1,918.91
03824$3,136.38$2,659.34$1,533.81$8,433.03$2,682.03$2,792.35$2,209.50$1,644.58
03884$3,136.05$2,604.28$1,583.08$8,382.59$2,421.57$2,621.90$2,418.21$1,920.69
03598$3,135.81$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,111.26$1,918.91
03845$3,133.95$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,098.20$1,918.91
03846$3,133.18$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,092.86$1,918.91
03237$3,132.54$2,596.74$1,677.77$8,476.40$2,357.73$2,578.15$2,320.34$1,920.69
03442$3,132.50$2,792.98$1,497.18$8,476.40$2,469.60$2,578.15$2,192.50$1,920.69
03813$3,132.06$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,084.96$1,918.91
03595$3,131.61$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,081.82$1,918.91
03440$3,131.41$2,799.54$1,497.18$8,476.40$2,469.60$2,578.15$2,178.28$1,920.69
03259$3,130.46$2,732.30$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03886$3,130.37$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,060.34$1,918.91
03812$3,130.25$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,072.29$1,918.91
03861$3,129.92$2,659.34$1,533.81$8,433.03$2,421.57$2,792.35$2,148.63$1,920.69
03816$3,129.85$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,056.66$1,918.91
03282$3,129.14$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,064.56$1,918.91
03875$3,129.12$2,776.95$1,667.83$8,382.59$2,398.41$2,695.12$2,063.99$1,918.91
03849$3,129.06$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,063.99$1,918.91
03860$3,127.97$2,776.57$1,667.83$8,382.59$2,398.41$2,695.12$2,056.33$1,918.91
03254$3,127.11$2,745.13$1,667.83$8,382.59$2,398.41$2,695.12$2,081.80$1,918.91
03830$3,127.00$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,036.71$1,918.91
03289$3,126.81$2,500.56$1,497.18$8,476.40$2,357.73$2,917.70$2,217.39$1,920.69
03047$3,126.80$2,792.98$1,497.18$8,476.40$2,469.60$2,578.15$2,152.63$1,920.69
03743$3,126.71$2,796.76$1,497.71$8,463.32$2,387.99$2,763.09$2,057.38$1,920.69
03864$3,126.70$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,034.60$1,918.91
03814$3,126.34$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,032.10$1,918.91
03872$3,126.15$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,030.78$1,918.91
03227$3,126.14$2,732.30$1,667.83$8,382.59$2,398.41$2,695.12$2,087.78$1,918.91
03882$3,125.99$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,029.63$1,918.91
03773$3,125.79$2,796.76$1,497.71$8,463.32$2,387.99$2,893.76$1,972.39$1,868.58
03836$3,125.50$2,789.42$1,667.83$8,382.59$2,398.41$2,695.12$2,026.25$1,918.91
03574$3,125.16$2,732.30$1,667.83$8,382.59$2,398.41$2,695.12$2,080.98$1,918.91
03279$3,124.58$2,732.30$1,667.83$8,382.59$2,398.41$2,695.12$2,076.87$1,918.91
03818$3,124.54$2,738.86$1,667.83$8,382.59$2,398.41$2,695.12$2,070.03$1,918.91
03820$3,124.15$2,649.28$1,533.81$8,433.03$2,682.03$2,792.35$2,134.00$1,644.58
03290$3,124.15$2,657.49$1,583.08$8,476.40$2,421.57$2,621.90$2,187.95$1,920.69
03262$3,123.89$2,732.30$1,667.83$8,382.59$2,398.41$2,695.12$2,072.05$1,918.91
03255$3,120.94$2,799.15$1,497.18$8,476.40$2,469.60$2,578.15$2,105.44$1,920.69
03449$3,120.67$2,792.98$1,497.18$8,476.40$2,469.60$2,578.15$2,109.67$1,920.69
03447$3,118.97$2,799.15$1,572.74$8,476.40$2,387.99$2,578.15$2,097.66$1,920.69
03285$3,118.72$2,732.30$1,667.83$8,382.59$2,398.41$2,695.12$2,035.90$1,918.91
03251$3,118.08$2,732.30$1,667.83$8,382.59$2,398.41$2,695.12$2,031.37$1,918.91
03225$3,117.31$2,579.94$1,497.18$8,476.40$2,357.73$2,578.15$2,411.05$1,920.69
03470$3,113.18$2,799.15$1,572.74$8,476.40$2,387.99$2,578.15$2,057.16$1,920.69
03857$3,112.71$2,659.34$1,533.81$8,433.03$2,583.08$2,792.35$1,999.69$1,787.68
03749$3,112.22$2,458.89$1,497.18$8,476.40$2,398.41$2,917.70$2,118.06$1,918.91
03887$3,111.28$2,540.34$1,667.83$8,476.40$2,421.57$2,642.42$2,109.74$1,920.69
03603$3,109.13$2,796.76$1,497.18$8,476.40$2,387.99$2,578.15$2,106.76$1,920.69
03602$3,108.89$2,799.15$1,497.18$8,476.40$2,387.99$2,578.15$2,102.66$1,920.69
03601$3,108.67$2,796.76$1,497.18$8,476.40$2,387.99$2,578.15$2,103.54$1,920.69
03451$3,108.29$2,799.15$1,572.74$8,476.40$2,387.99$2,578.15$2,022.88$1,920.69
03465$3,107.78$2,799.15$1,572.74$8,476.40$2,387.99$2,578.15$2,019.35$1,920.69
03461$3,107.24$2,792.98$1,572.74$8,382.59$2,387.99$2,578.15$2,115.56$1,920.69
03224$3,106.71$2,500.56$1,497.18$8,476.40$2,469.60$2,578.15$2,304.41$1,920.69
03456$3,105.83$2,799.15$1,497.18$8,476.40$2,387.99$2,578.15$2,081.28$1,920.69
03040$3,103.42$2,653.66$1,731.34$8,201.11$2,421.57$2,578.15$2,217.39$1,920.69
03218$3,103.25$2,545.54$1,583.08$8,476.40$2,357.73$2,621.90$2,217.39$1,920.69
03896$3,103.04$2,540.34$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03815$3,102.44$2,569.88$1,583.08$8,382.59$2,421.57$2,621.90$2,217.39$1,920.69
03605$3,102.34$2,796.76$1,497.18$8,476.40$2,387.99$2,578.15$2,059.25$1,920.69
03441$3,101.79$2,799.15$1,572.74$8,476.40$2,387.99$2,578.15$1,977.43$1,920.69
03452$3,101.63$2,799.15$1,572.74$8,476.40$2,387.99$2,578.15$1,976.30$1,920.69
03609$3,101.57$2,796.76$1,497.18$8,476.40$2,387.99$2,578.15$2,053.80$1,920.69
03231$3,100.58$2,471.42$1,497.18$8,476.40$2,469.60$2,578.15$2,290.65$1,920.69
03233$3,099.14$2,461.29$1,497.18$8,476.40$2,469.60$2,578.15$2,290.65$1,920.69
03581$3,098.48$2,776.57$1,619.58$7,932.06$2,398.41$2,878.16$2,147.33$1,937.28
03462$3,098.02$2,799.15$1,572.74$8,476.40$2,387.99$2,578.15$1,951.03$1,920.69
03464$3,097.91$2,799.15$1,497.18$8,476.40$2,387.99$2,578.15$2,025.79$1,920.69
03769$3,097.73$2,503.17$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03779$3,097.73$2,503.17$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03855$3,097.12$2,540.34$1,497.18$8,476.40$2,421.57$2,578.15$2,245.51$1,920.69
03608$3,094.82$2,796.76$1,497.18$8,476.40$2,387.99$2,578.15$2,006.57$1,920.69
03777$3,094.76$2,503.17$1,667.83$8,382.59$2,398.41$2,695.12$2,097.27$1,918.91
03240$3,094.36$2,461.29$1,667.83$8,476.40$2,398.41$2,695.12$2,042.55$1,918.91
03894$3,094.29$2,540.34$1,667.83$8,382.59$2,398.41$2,695.12$2,056.80$1,918.91
03752$3,092.66$2,796.76$1,497.18$8,476.40$2,387.99$2,578.15$1,991.46$1,920.69
03266$3,091.88$2,503.17$1,667.83$8,382.59$2,398.41$2,695.12$2,077.16$1,918.91
03241$3,091.74$2,461.29$1,667.83$8,382.59$2,398.41$2,695.12$2,118.06$1,918.91
03443$3,091.00$2,799.15$1,497.18$8,476.40$2,387.99$2,578.15$1,977.43$1,920.69
03457$3,091.00$2,799.15$1,497.18$8,476.40$2,387.99$2,578.15$1,977.43$1,920.69
03604$3,091.00$2,799.15$1,497.18$8,476.40$2,387.99$2,578.15$1,977.43$1,920.69
03607$3,091.00$2,799.15$1,497.18$8,476.40$2,387.99$2,578.15$1,977.43$1,920.69
03751$3,090.66$2,796.76$1,497.18$8,476.40$2,387.99$2,578.15$1,977.43$1,920.69
03853$3,090.41$2,496.07$1,667.83$8,382.59$2,398.41$2,695.12$2,073.93$1,918.91
03448$3,090.10$2,799.15$1,497.18$8,476.40$2,387.99$2,578.15$1,971.16$1,920.69
03217$3,089.85$2,467.84$1,667.83$8,382.59$2,398.41$2,695.12$2,098.25$1,918.91
03220$3,089.09$2,500.56$1,497.18$8,476.40$2,497.26$2,578.15$2,153.42$1,920.69
03745$3,089.09$2,796.76$1,497.18$8,463.32$2,387.99$2,578.15$1,979.53$1,920.69
03746$3,088.79$2,796.76$1,497.18$8,463.32$2,387.99$2,578.15$1,977.43$1,920.69
03768$3,087.85$2,503.17$1,667.83$8,382.59$2,398.41$2,695.12$2,048.92$1,918.91
03222$3,087.63$2,467.84$1,667.83$8,382.59$2,398.41$2,695.12$2,082.71$1,918.91
03467$3,087.03$2,796.76$1,497.18$8,476.40$2,387.99$2,578.15$1,952.01$1,920.69
03223$3,086.71$2,732.30$1,667.83$8,382.59$2,398.41$2,444.07$2,062.84$1,918.91
03455$3,085.99$2,792.98$1,497.18$8,476.40$2,387.99$2,578.15$1,948.52$1,920.69
03445$3,085.58$2,799.15$1,497.18$8,476.40$2,387.99$2,578.15$1,939.47$1,920.69
03256$3,085.51$2,461.67$1,497.18$8,476.40$2,497.26$2,578.15$2,167.23$1,920.69
03837$3,085.25$2,516.00$1,497.18$8,476.40$2,357.73$2,578.15$2,250.59$1,920.69
03809$3,084.47$2,516.00$1,497.18$8,476.40$2,357.73$2,578.15$2,245.12$1,920.69
03782$3,084.02$2,796.76$1,497.18$8,476.40$2,387.99$2,578.15$1,931.00$1,920.69
03077$3,083.74$2,657.49$1,583.08$8,201.11$2,421.57$2,602.73$2,199.49$1,920.69
03276$3,083.36$2,498.70$1,497.18$8,476.40$2,469.60$2,578.15$2,142.81$1,920.69
03253$3,082.56$2,471.73$1,497.18$8,476.40$2,497.26$2,578.15$2,136.54$1,920.69
03466$3,082.21$2,799.15$1,497.18$8,382.59$2,387.99$2,578.15$2,009.74$1,920.69
03278$3,081.47$2,471.42$1,497.18$8,476.40$2,469.60$2,578.15$2,156.84$1,920.69
03851$3,081.10$2,540.34$1,497.18$8,476.40$2,421.57$2,578.15$2,133.37$1,920.69
03444$3,081.03$2,799.15$1,497.18$8,476.40$2,387.99$2,578.15$1,907.65$1,920.69
03268$3,079.41$2,476.03$1,497.18$8,476.40$2,469.60$2,578.15$2,137.85$1,920.69
03754$3,077.33$2,796.76$1,497.71$8,382.59$2,387.99$2,578.15$1,977.43$1,920.69
03770$3,077.25$2,796.76$1,497.18$8,382.59$2,387.99$2,578.15$1,977.43$1,920.69
03042$3,074.73$2,652.33$1,583.08$8,201.11$2,421.57$2,602.73$2,141.64$1,920.69
03269$3,073.67$2,461.67$1,497.18$8,476.40$2,497.26$2,578.15$2,084.32$1,920.69
03835$3,072.68$2,569.88$1,667.83$7,743.08$2,682.03$2,873.72$2,327.62$1,644.58
03741$3,071.72$2,461.29$1,667.83$8,382.59$2,398.41$2,642.42$2,030.57$1,918.91
03781$3,070.81$2,796.76$1,497.18$8,382.59$2,387.99$2,578.15$1,932.30$1,920.69
03243$3,070.38$2,461.67$1,497.18$8,476.40$2,469.60$2,578.15$2,088.96$1,920.69
03307$3,070.22$2,544.83$1,497.18$8,476.40$2,469.60$2,210.05$2,372.83$1,920.69
03216$3,070.06$2,471.42$1,497.18$8,476.40$2,469.60$2,578.15$2,076.98$1,920.69
03235$3,068.97$2,504.87$1,497.18$8,476.40$2,469.60$2,578.15$2,035.91$1,920.69
03784$3,068.10$2,458.89$1,497.18$8,382.59$2,398.41$2,917.70$1,903.04$1,918.91
03257$3,066.31$2,461.29$1,497.18$8,476.40$2,469.60$2,578.15$2,060.85$1,920.69
03810$3,066.17$2,516.00$1,497.18$8,382.59$2,357.73$2,578.15$2,210.87$1,920.69
03750$3,065.88$2,458.89$1,497.18$8,382.59$2,387.99$2,917.70$1,897.91$1,918.91
03450$3,064.85$2,799.15$1,497.18$8,382.59$2,387.99$2,578.15$1,888.17$1,920.69
03252$3,064.63$2,498.70$1,497.18$8,382.59$2,357.73$2,578.15$2,217.39$1,920.69
03230$3,063.98$2,461.29$1,497.18$8,476.40$2,469.60$2,578.15$2,044.53$1,920.69
03287$3,063.82$2,461.29$1,497.18$8,476.40$2,469.60$2,578.15$2,043.45$1,920.69
03226$3,057.79$2,461.67$1,497.18$8,476.40$2,357.73$2,578.15$2,112.73$1,920.69
03280$3,055.34$2,503.17$1,497.18$8,476.40$2,387.99$2,578.15$2,023.80$1,920.69
03260$3,052.95$2,471.42$1,497.18$8,382.59$2,469.60$2,578.15$2,051.05$1,920.69
03854$3,049.39$2,894.93$1,535.71$7,669.32$2,556.64$2,728.12$2,159.45$1,801.58
03801$3,046.47$2,894.93$1,535.71$7,669.32$2,556.64$2,728.12$2,138.99$1,801.58
03748$3,039.66$2,458.89$1,497.18$8,476.40$2,387.99$2,578.15$1,958.34$1,920.69
03272$3,038.38$2,799.15$1,497.18$7,713.25$2,469.60$2,578.15$2,290.65$1,920.69
03446$3,037.08$2,799.15$1,533.97$8,476.40$2,340.52$2,587.81$1,909.36$1,612.39
03284$3,033.79$2,503.17$1,497.18$8,476.40$2,387.99$2,578.15$1,872.95$1,920.69
03755$3,032.36$2,458.89$1,497.18$8,476.40$2,387.99$2,578.15$1,907.21$1,920.69
03766$3,030.03$2,458.89$1,497.18$8,476.40$2,387.99$2,578.15$1,890.89$1,920.69
03245$3,029.02$2,467.84$1,667.83$7,986.70$2,398.41$2,695.12$2,068.34$1,918.91
03869$3,028.86$2,649.28$1,533.81$7,743.08$2,682.03$2,836.64$2,112.63$1,644.58
03753$3,023.42$2,503.17$1,497.18$8,382.59$2,387.99$2,578.15$1,894.16$1,920.69
03291$3,013.06$2,657.49$1,583.08$7,669.32$2,421.57$2,621.90$2,217.39$1,920.69
03264$2,994.72$2,461.29$1,667.83$7,986.70$2,398.41$2,444.07$2,085.85$1,918.91
03258$2,993.83$2,631.15$1,731.34$7,713.25$2,469.60$2,210.05$2,280.73$1,920.69
03273$2,991.56$2,471.42$1,497.18$7,713.25$2,469.60$2,578.15$2,290.65$1,920.69
03839$2,986.51$2,569.88$1,510.82$7,743.08$2,682.03$2,540.02$2,215.18$1,644.58
03867$2,980.81$2,569.88$1,510.82$7,743.08$2,682.03$2,540.02$2,175.29$1,644.58
03868$2,980.81$2,569.88$1,510.82$7,743.08$2,682.03$2,540.02$2,175.29$1,644.58
03878$2,978.65$2,649.28$1,510.82$7,743.08$2,682.03$2,540.02$2,080.76$1,644.58
03274$2,977.73$2,503.17$1,497.18$7,713.25$2,398.41$2,695.12$2,118.06$1,918.91
03221$2,967.97$2,799.15$1,497.18$7,713.25$2,469.60$2,210.05$2,165.89$1,920.69
03275$2,962.53$2,658.84$1,626.68$7,713.25$2,367.40$2,396.82$2,265.95$1,708.76
03304$2,960.07$2,572.77$1,731.34$7,713.25$2,367.40$2,324.36$2,302.61$1,708.76
03301$2,935.65$2,577.37$1,626.68$7,713.25$2,367.40$2,324.36$2,231.73$1,708.76
03303$2,919.52$2,469.86$1,626.68$7,713.25$2,367.40$2,324.36$2,226.33$1,708.76
03229$2,913.60$2,509.52$1,497.18$7,713.25$2,367.40$2,324.36$2,274.75$1,708.76
03435$2,901.99$2,799.15$1,533.97$7,369.92$2,340.52$2,722.03$1,935.95$1,612.39
03431$2,887.77$2,799.15$1,533.97$7,369.92$2,340.52$2,633.58$1,924.88$1,612.39
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Cheapest & Most Expensive Rates by City

Least ExpensiveAverage Annual RatesMost ExpensiveAverage Annual Rates
KEENE$2,894.88MANCHESTER$3,798.09
CONTOOCOOK$2,913.60HAMPSTEAD$3,735.99
CONCORD$2,927.59ATKINSON$3,725.58
BOW$2,960.07EAST HAMPSTEAD$3,695.88
SUNCOOK$2,962.53NEWTON$3,694.35
BRADFORD$2,967.97KINGSTON$3,689.28
STINSON LAKE$2,977.73SALEM$3,678.46
SOMERSWORTH$2,978.65PLAISTOW$3,653.43
ROCHESTER$2,982.71WINDHAM$3,648.72
SOUTH SUTTON$2,991.56EAST KINGSTON$3,640.47
CHICHESTER$2,993.83PELHAM$3,611.18
PLYMOUTH$2,994.72SEABROOK$3,610.79
WEST NOTTINGHAM$3,013.06NEWTON JUNCTION$3,512.48
GRANTHAM$3,023.42DANVILLE$3,424.29
ROLLINSFORD$3,028.86NASHUA$3,411.92
HOLDERNESS$3,029.02AUBURN$3,404.93
LEBANON$3,030.03DERRY$3,394.58
HANOVER$3,032.36HOLLIS$3,331.53
SPRINGFIELD$3,033.79LONDONDERRY$3,324.24
SWANZEY$3,037.08NORTH SALEM$3,314.36
SOUTH NEWBURY$3,038.38GOFFSTOWN$3,294.84
ENFIELD$3,039.66AMHERST$3,277.35
PORTSMOUTH$3,046.47BEDFORD$3,272.93
NEW CASTLE$3,049.39SANDOWN$3,269.18
NORTH SUTTON$3,052.95HOOKSETT$3,268.15
WASHINGTON$3,055.34NEW BOSTON$3,263.40
CENTER HARBOR$3,057.79WEARE$3,260.44
WILMOT$3,063.82HUDSON$3,242.99
DANBURY$3,063.98DUNBARTON$3,227.36
LOCHMERE$3,064.63LITCHFIELD$3,214.50
HARRISVILLE$3,064.85CHESTER$3,213.97
ETNA$3,065.88MERRIMACK$3,201.58
ALTON BAY$3,066.17MILFORD$3,200.23
NEW LONDON$3,066.31EXETER$3,197.58
WEST LEBANON$3,068.10NORTH HAMPTON$3,194.47
FRANKLIN$3,068.97BROOKLINE$3,187.78
ANDOVER$3,070.06EAST DERRY$3,185.18
LOUDON$3,070.22NEWFIELDS$3,180.82
HILL$3,070.38FREMONT$3,176.64
PLAINFIELD$3,070.81HAMPTON$3,174.72
CANAAN$3,071.72GREENVILLE$3,173.94
FARMINGTON$3,072.68STRATHAM$3,173.12
SANBORNTON$3,073.67NORTHWOOD$3,172.67
EPPING$3,074.74BERLIN$3,170.23
MERIDEN$3,077.25TEMPLE$3,168.50
GUILD$3,077.33NORTH STRATFORD$3,164.31
SALISBURY$3,079.41RYE BEACH$3,164.19
DUBLIN$3,081.03HAMPTON FALLS$3,163.02
MILTON$3,081.10BRETTON WOODS$3,162.30
WARNER$3,081.47SUGAR HILL$3,161.99
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It is no surprise that New Hampshire’s two largest cities, Manchester and Nashua, are also top of the list for the most expensive cities for insurance.

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Best New Hampshire Car Insurance Companies

So you want insurance, but where should you get it? We are going to take a look at some of the biggest and best insurance companies New Hampshire has to offer.

We compared rates of some of the top companies and looked at the biggest factors that determine your rates. If you have a bad driving record or bad credit, we can direct you to the company that will have the best rates for your needs.

Let’s dig in and see what these companies have to offer.

The Largest Companies’ Financial Rating

AM Best has a great description of what they do on their website:

AM Best is the only global credit rating agency with a unique focus on the insurance industry. Best’s Credit Ratings, which are issued through AM Best Rating Services, Inc., are a recognized indicator of insurer financial strength and creditworthiness.

AM Best is also a trusted source of insurance data and market intelligence, covering thousands of companies worldwide through analytical resources and news coverage that provide a critical perspective for informed business decisions.

So how do the top 10 insurance companies rate?

CompanyAM Best Rating
GeicoA++
State FarmA++
ProgressiveA+
Liberty MutualA
AllstateA+
USAAA++
AmicaA+
Auto-OwnersA++
MetropolitanA
TravelersA++
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They all get A ratings or higher. It is no surprise as these large companies have excellent financial standings in the insurance world.

Companies with Best Ratings

Financial standing is not the only rating we want to look at. While you want a company you know is solid and can pay out if a claim arises, you also want a company with good customer service.

Even when your premium may go up, insureds appreciate good service and will stay, even with a rate increase. So we looked to J.D. Power for customer satisfaction ratings for New England insurance companies.

Companies with Most Complaints in New Hampshire

With all the good things, there are also bad. Which companies get the most complaints? Take a look.

CompanyComplaint RatioTotal Complaints
Geico0.68333
State Farm Group0.441482
Progressive Group0.75120
Liberty Mutual Group5.95222
Allstate Insurance Group0.5163
USAA Group0.74296
Amica Mutual Group0.4652
Auto-Owners Group0.5331
Metropolitan Group1.370
Travelers Group0.092
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The National Association of Insurance Commissioners takes complaints on companies and tracks them.

Cheapest Companies in New Hampshire

You want a good, solid company to get rates for your insurance, but at the end of the day, money can affect your decision.

CompanyAverage Annual RatesCompared to State AveragePercentage
Allstate F&C$2,737.70-$421.29-15.39%
GEICO General$1,611.67-$1,547.32-96.01%
Safeco Ins Co of America$8,476.85$5,317.8762.73%
Nationwide Mutual$2,487.58-$671.41-26.99%
Progressive Universal$2,691.13-$467.86-17.39%
State Farm Mutual Auto$2,186.81-$972.18-44.46%
USAA$1,921.18-$1,237.81-64.43%
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Geico is significantly lower than other companies in New Hampshire, while Safeco has higher rates. Why are rates so different at different companies? We are going to look at some of the biggest factors that go into getting your rate with a carrier.

Commute Rates by Companies

Do you commute to work every day? If you do, you can see which companies rate that factor higher than others.

Company10-mile-per-day commute (6000 miles annually)20-mile-per-day commute (1200 miles annually)
Liberty Mutual$8,477$8,477
Allstate$2,700$2,775
Progressive$2,691$2,691
Nationwide$2,488$2,488
State Farm$2,137$2,236
USAA$1,902$1,940
Geico$1,598$1,625
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Liberty Mutual and Nationwide are good options for drivers with longer commutes.

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Coverage Level Rates by Companies

You may not want to only buy the minimum state limits. You are now faced with how much you are going to pay for more coverage. The results may surprise you.

CompanyCoverage LevelAnnual Average
Liberty MutualHigh$8,836.00
Liberty MutualMedium$8,450.00
Liberty MutualLow$8,144.00
AllstateHigh$2,817.35
AllstateMedium$2,734.45
AllstateLow$2,661.29
ProgressiveHigh$2,797.82
ProgressiveMedium$2,691.20
ProgressiveLow$2,584.38
NationwideHigh$2,356.75
NationwideMedium$2,453.07
NationwideLow$2,652.92
State FarmHigh$2,282.92
State FarmMedium$2,189.03
State FarmLow$2,088.49
USAAHigh$1,997.66
USAAMedium$1,917.96
USAALow$1,847.91
GeicoHigh$1,695.58
GeicoMedium$1,602.39
GeicoLow$1,537.03
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Companies like Geico and USAA offer higher coverage for almost the same price as they do lower coverage. There are also companies, Nationwide for instance, that offer more coverage for cheaper rates.

It is always a great idea to quote which insurance you would like to have, even if you think it may be too expensive.

Credit History Rates by Companies

Credit history follows you for major purchases like a home or car. It can also lower your interest rate on credit cards and loans. Does it affect your insurance?

CompanyCredit RatingAverage Annual Rates
AllstatePoor$3,368.00
AllstateFair$2,492.26
AllstateGood$2,352.43
GeicoPoor$1,907.34
GeicoFair$1,564.33
GeicoGood$1,363.32
Liberty MutualPoor$12,169.00
Liberty MutualFair$7,441.00
Liberty MutualGood$5,821.00
NationwidePoor$2,896.14
NationwideFair$2,374.92
NationwideGood$2,191.67
ProgressivePoor$2,986.88
ProgressiveFair$2,624.47
ProgressiveGood$2,462.05
State FarmPoor$3,096.59
State FarmFair$1,927.69
State FarmGood$1,536.16
USAAPoor$2,606.19
USAAFair$1,714.14
USAAGood$1,443.21
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The answer is a resounding yes. Take a look at Liberty Mutual. The rates for someone with poor credit are more than double.

If you do struggle with your credit, look to companies such as Progressive or Nationwide. Both companies do not have a great rate increase for credit history.

Driving Record Rates by Companies

The most obvious factor to affect your driving rate is your driving record. It is no surprise companies take into consideration how you drive and rate you on any violations.

The best rate will always be given to someone with a clean driving record. Following state laws and being a cautious driver will help you keep a clean record and get the best rate.

CompanyClean RecordOne Speeding ViolationOne AccidentOne DUI
Allstate$2,276.40$2,655.21$3,095.98$2,923.20
Geico$1,437.50$1,437.50$1,590.83$1,980.83
Liberty Mutual$5,324.37$9,084.16$9,624.42$9,874.47
Nationwide$1,914.01$2,129.05$2,657.49$3,249.78
Progressive$2,312.48$2,711.71$3,190.12$2,550.23
State Farm$2,013.89$2,013.89$2,157.23$2,562.23
USAA$1,483.03$1,724.12$1,996.60$2,480.96
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Largest Car Insurance Companies in New Hampshire

CompanyDirect Premium WrittenLoss RatioMarket Share
Geico$114,97772.49%13.59%
State Farm Group$106,43452.06%12.58%
Progressive Group$103,82361.53%12.28%
Liberty Mutual Group$97,11458.48%11.48%
Allstate Insurance Group$84,94554.95%10.04%
USAA Group$44,55572.58%5.27%
Amica Mutual Group$29,97665.49%3.54%
Auto-Owners Group$27,98760.58%3.31%
Metropolitan Group$25,31854.20%2.99%
Travelers Group$20,09959.55%2.38%
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Geico, State Farm, and Progressive hold a major market share of insurance providers in New Hampshire.

Number of Insurers by State

New Hampshire has almost 700 insurers to choose from. We separate insurers into two categories: domestic and foreign. Domestic insurers are in-state insurers, while foreign are companies made out-of-state.

Insurer TypeNumber
Domestic50
Foreign647
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New Hampshire Laws

Each state has different laws unique to their state. If you are new to New Hampshire, you may not know some of the different laws regarding licensing, insurance, and safety laws.

First up, let’s take a look at car insurance laws.

Car Insurance Laws

Car insurance is driven by certain state laws. Minimum limits, insurance requirements, and fraud laws are all driven by the state.

How State Laws for Insurance are Determined

The state regulates how companies can rate and change their rates. New Hampshire insurance companies have to file their rate changes in an approved time frame.

The National Association of Insurance Commissioners breaks down how laws are made and what is expected from insurance companies.

Windshield Coverage

When you are driving down the interstate and hear the rock hit your windshield, you hope to not see a crack. If you do have a crack, you may need your windshield replaced.

New Hampshire allows after-market parts as long as it is detailed in the quote. The consumer also has the right to choose which repair shop to take their vehicle.

Although New Hampshire has no law stating an insurance company must pay for windshield repairs, most companies do have coverage if you have comprehensive added to your policy. Check your policy or with an agent to verify coverage.

High-Risk Insurance

While New Hampshire may not require insurance for every driver, certain offenses can cause you to file SR-22 insurance.

SR-22 is the mandatory filing of insurance, usually done by your insurance company.

Below is a list from the New Hampshire Department of Safety of violations that will land you an SR-22 filing:

  • DWI – (1st, 2nd, Subsequent, Aggravated).
  • Underage DWI – (1st, 2nd, Subsequent, Aggravated).
  • Leaving Scene of Accident.
  • Conduct After Accident.
  • Subsequent (2nd) Offense Reckless Operation.

Automobile Insurance Fraud in New Hampshire

In 1993, the New Hampshire legislature created the New Hampshire Fraud Unit. Any type of insurance fraud is illegal and should be reported immediately.

You can report insurance fraud to the below:

Fraud can come in two different ways, hard or soft. Hard fraud is a deliberate falsification of a claim to obtain funds for something that never happened. Soft fraud is when you may have a claim, but you add false information to make the claim bigger than what it may be.

Statute of Limitations

Statute of limitations is the time frame you have from when a claim occurs to when you must report it. In New Hampshire, you have three years for property damage or bodily injury.

Vehicle Licensing Laws

We have covered a lot about car insurance and laws, but now we are going to look at driver laws. Let’s look at renewing your license, getting a new resident driver’s license, and teen drivers.

Real ID

In 2005, Congress passed the REAL ID Act. This act made stricter licensing guidelines for states when issuing state driver’s licenses.

New Hampshire is compliant with the REAL ID Act; therefore, drivers can use their license as a form of identification to enter commercial flights and federal buildings.

Penalties for Driving Without Insurance

Since New Hampshire drivers are not mandated to buy insurance, there are no penalties for driving without it.

As we discussed earlier, some drivers must file an SR-22 and show financial responsibility by showing proof of insurance. If you do not obtain an SR-22 filing, your license and registration will be suspended.

Teen Driver Laws (IIHS)

We saw earlier how teen drivers can cause quite a spike in your insurance premium. Teens must follow licensing laws and driving restrictions mandated in New Hampshire.

Type of LicenseMinimum Age RequirementDriving RequirementTime RestrictionPassenger Restriction
Permit15 years 6 monthsMust have a licensed adult over 25 years old supervising in the passenger seatNo restrictionsMay not have more passengers than seat belts
Restricted License16 yearsMust have completed 40 hours driving, 10 of which at night and passed an approved Driver Education ProgramNo driving between 1 a.m. and 4 a.m.No more than one passenger younger than 25 (excluding family members)
May not have more passengers than seat belts
Unrestricted LicenseAge after holding a restricted license six months (minimum 16 years 6 months) or 18 years, whichever occurs firstMust have held a restricted license six months or be 18 years oldNo restrictionsNo restrictions
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Older Driver License Renewal Procedures

Older drivers renew their licenses the same way all drivers renew. See below for the renewal process.

New Residents

Welcome to New Hampshire! Once you have established residency, you have 60 days to transfer your license and registration.

Fees depend on the type of vehicle, so contact your local Department of Motor Vehicles for the exact cost. You must surrender your out-of-state license when you obtain your New Hampshire license.

License Renewal Procedures

New Hampshire license renewal is every five years. You can do so in person or you may mail or electronically submit your renewal every other year.

Rules of the Road

To keep drivers safe, you need to follow the rules of the road for New Hampshire. If you are new to the state, you may not know all these rules, so we will break them down for you. Even if you have lived here for a while, you may still need to refresh yourself on these laws.

Fault vs. No-Fault

New Hampshire is an at-fault state. This is important in determining who’s insurance is filed and paying for the claim. Being an at-fault state means whoever is at fault for causing the accident is the one to file insurance and payout for the claim.

– Seat Belt & Car Seat Laws

New Hampshire is one of the few states that does not require insurance, but that’s not all — New Hampshire does not have seat belt laws for passengers or drivers eighteen-years-old or over.

They do have safety laws for passengers or drivers under eighteen.

Child Restraint LawDetails
Must be in child restraint6 years and younger who are less than 57 inches
Adult safety belt permissible7 through 17 years; younger than 7 who are at least 57 inches tall
Maximum fine 1st offense$50
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New Hampshire also has no law concerning riding in cargo areas of pickup trucks.

Keep Right & Move Over Laws

State laws require slower-moving traffic to remain in the right lane.

There is also a law that requires drivers to vacate the lane closest to emergency vehicles when safe to do so. Any vehicle with flashing lights or any maintenance vehicle falls under this category.

Speed Limits

All states have mandated speed limits. Below are New Hampshire speed limits.

Type of RoadwaySpeed Limit
Rural interstates (mph)65; 70 on specified segments of road
Urban interstates (mph)65
Other limited access roads (mph)55
Other roads (mph)55
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Remember, speed limits are subject to change, especially in construction zones.

Ridesharing

Ridesharing has become a popular mode of transportation, but it has also become a side job for many drivers.

It is important to check with your company, like Uber or Lyft, to verify any coverages you may have through them. The following companies have ridesharing coverages available in New Hampshire:

  • USAA

– Automation on the Road

Automated cars are no longer a thing of the future. Many cars are being made that can drive themselves with no driver present.

Currently, other states are creating laws around automated cars; New Hampshire is not one of these states. Due to a death involving automated vehicles, New Hampshire has banned the testing of all automated cars.

Safety Laws

Lastly, we are going to look at safety laws. Driving under the influence and distracted driving are two major safety concerns drivers face. We are going to look at laws prohibiting both.

DUI Laws

Type of PenaltyFirst OffenseSecond OffenseThird OffenseFourth and Subsequent Offenses
Driver's License SuspensionNine months - six years. Six months of the sentence may be suspended for enrollment in 20 hour Impaired Driver Intervention ProgramThree years minimumLifetime - may be reinstated after five yearsLifetime - may be reinstated after seven years
ImprisonmentNo minimum30 days (mandatory minimum) - one year180 days - one year30 days - seven years, minimum six months deferred jail time
Fine$500 minimum$750 minimum$750 minimum$930 minimum
OtherN/AIID required for one - two years after license reinstatement; Seven-day Multiple Offender Program (MOP) requiredIID required one - two years after license reinstatement; 28 day MOP requiredIID required one - two years after license reinstatement; 28 day MOP required
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If you are convicted of driving under the influence, you will have some major penalties to face. Jail time, fines, and loss of your license are a few of the penalties. If you have three or more convictions, you could be facing years without a license.

Marijuana-Impaired Driving Laws

Marijuana is legal for medical purposes and there are no specific laws for marijuana-impaired driving.  That doesn’t mean you are off the hook for driving while impaired.

Driving under the influence of any substance is illegal, whether that be alcohol or marijuana. If you are convicted of driving under the influence of marijuana, you must complete an Impaired Driver Education Program.

Distracted Driving Laws

It seems like everyone has a cellular device, both the older and younger generations. We all have heard of the distractions and dangers cell phone use poses to drivers. New Hampshire has strict laws against the use of cell phones; there is a hand-held ban and a texting ban.

Cell Phone and Texting RestrictionsDetails
Hand-held banall drivers
Young drivers all cellphone bandrivers younger than 18
Texting banall drivers
Enforcementprimary
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Driving in New Hampshire

We have looked at all the laws, companies, regulations, licensing, and rules of the road. Now we are going to take a look at vehicle theft, fatalities, and transportation.

We share this information to help drivers know when and where theft and fatalities occur, hoping to prevent them in the future.

Vehicle Theft in New Hampshire

Honda, both Civic and Accord, are the top two choices for theft. The Honda Civic has the top spot, with 1997 being the most-popular year stolen.

VehicleYear of VehicleThefts
Honda Civic199734
Honda Accord199620
Chevrolet Pickup (Full Size)200219
Ford Pickup (Full Size)200217
Dodge Caravan200316
Ford Focus200714
Toyota Camry199913
Jeep Cherokee/Grand Cherokee200011
GMC Pickup (Full Size)20079
Toyota Corolla19999
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We also took a look at the top cities for car theft. Did your city make the list?

CityMotor
vehicle
theft
Manchester159
Nashua68
Salem35
Derry27
Rochester24
Claremont20
Portsmouth20
Laconia19
Keene17
Belmont
15
Hampton15
Plaistow15
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You can watch this short video showing how you can protect your car from thieves.

Road Fatalities in New Hampshire

Sadly, road fatalities occur even to the most cautious drivers. We have compiled data to show you when, where, how, and to whom these fatalities happen.

– Most Fatal Highway in New Hampshire

Interstate 93 is the most fatal highway in New Hampshire. An average of five to six fatalities happens on this stretch of road in a year.

Fatal Crashes by Weather Condition and Light Condition

Daylight hours and normal weather conditions see more fatalities than any other time or condition.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal506205081
Rain501006
Snow/Sleet3241010
Other001001
Unknown000000
TOTAL588266098
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Traffic Fatalities

Rural roads often see more fatalities than urban roads.

Type of Roadway201220132014201520162017
Rural608748667551
Urban484847486151
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Fatalities by Person Type

This next table shows the person type — like occupant, motorcyclists, or pedestrian.

Occupant/NonoccupantPerson Type20132014201520162017
OccupantsPassenger Car5842495746
Light Truck - Pickup14610239
Light Truck - Utility158121412
Light Truck - Van42313
Light Truck - Other00010
Large Truck12001
Other/Unknown Occupants22112
Total Occupants9462759773
MotorcyclistsTotal Motorcyclists2417261915
NonoccupantsPedestrian121281711
Bicyclist and Other Cyclist43322
Other/Unknown Nonoccupants11211
Total Nonoccupants1716132014
CombinedTotal Persons13595114136102
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Fatalities by Crash Type

Roadway departure sees more fatalities than other categories.

Crash Type20132014201520162017
Total Fatalities (All Crashes)*13595114136102
Single Vehicle86607010064
Involving a Large Truck13126513
Involving Speeding6647567758
Involving a Rollover3118233925
Involving a Roadway Departure11166799570
Involving an Intersection (or Intersection Related)2121151514
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Five-Year Trend For The Top 10 Counties

We took a look at the top 10 counties in New Hampshire and what their five-year trend is for fatalities.

County20132014201520162017
Hillsborough County2827242720
Rockingham County3018292816
Merrimack County713161312
Strafford County169121512
Belknap County1046811
Cheshire County17721110
Coos County53767
Carroll County766106
Grafton County1049145
Sullivan County54343
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Fatalities Involving Speeding by County

County20132014201520162017
Belknap43567
Carroll31264
Cheshire83097
Coos40334
Grafton43384
Hillsborough111112136
Merrimack27848
Rockingham161117189
Strafford104477
Sullivan44232
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Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

County20132014201520162017
Belknap63323
Carroll11134
Cheshire72046
Coos10322
Grafton01260
Hillsborough58954
Merrimack11331
Rockingham13109123
Strafford83232
Sullivan30002
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Teen Drinking & Driving

Underage drinking is strictly against the law in New Hampshire. Any blood alcohol content level of 0.02 or more is considered underage drinking.

Possession of alcohol could result in a suspended driver’s license.

Statistically, age groups of 12 – 15 and 18 – 25 have a higher binge drinking rate in New Hampshire than most Americans.

EMS Response Time

If you are in an accident, you want emergency medical services to get to you quickly. In both urban and rural areas, EMS can get to you and transport you to a local hospital in under an hour.

Crash LocationTime of Crash to EMS Notification (minutes)EMS Notification to EMS Arrival (minutes)EMS Arrival at Scene to Hospital Arrival (minutes)Time of Crash to Hospital Arrival (minutes)
Rural1.27123145.58
Urban0.71102435.05
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Transportation

How do New Hampshire residents get to work, and how long is their commute? In this next section, we took information and graphs from Data USA. The orange is the average New Hampshire driver and the gray is the average American driver.

Car Ownership

Most American families own at least two cars. New Hampshire is no different from the majority of households in the nation.

Commute Time

The average worker drives a little over 25 minutes to work every day.

Commuter Transportation

Like most Americans, New Hampshire drivers prefer to drive to work alone.

Traffic Congestion in New Hampshire

New Hampshire doesn’t score the best in traffic congestion and car maintenance cost, ranking 46th out of 50.

While no specific cities were listed on traffic indexes, the New England Compass is a great resource to view New Hampshire traffic, construction, and road closures. So before you hit the road, you can check out how long you may be stuck in traffic and the best route to take.

We hope this helps you as you start your journey to finding the cheapest car insurance for your needs. Please our FREE quote tool to start comparing rates today.