Cheap New Hampshire Auto Insurance in 2026 (Save Money With These 10 Companies)

USAA, Geico, and State Farm stand out as top options for cheap New Hampshire  auto insurance, offering flexible policies, outstanding service, excellent full coverage auto insurance.

 

Like every state, auto insurance in New Hampshire is required by law. You may want to find the cheapest auto insurance, but shopping for coverage can be confusing.

• USAA is a top choice for cheap New Hampshire auto insurance
• Policies respond to individual legal necessities
• Secures compliance with American regulations

Our Top 10 Company Picks: Cheap New Hampshire Auto Insurance

In this article, we laid out all the information necessary when choosing your auto insurance confidently and to help you in understanding auto insurance.  Enter your ZIP code for free New Hampshire auto insurance quotes.

#1 – USAA: Top Overall Pick

Pros

• Exceptional Rates: USAA offers some of the lowest premiums for cheap New Hampshire auto insurance, starting at $17 per month. This low rate is particularly advantageous for military members and their families.
• Comprehensive Coverage: Provides extensive coverage options for cheap New Hampshire auto insurance, including liability, collision, and comprehensive, with unique add-ons tailored for military needs.
• Highly Rated Customer Service: USAA is known for outstanding customer service in cheap New Hampshire auto insurance, reflected in high customer satisfaction ratings and minimal complaints.

Cons

• Eligibility Limitations: Only available to current and former military members and their families, limiting access for the general public seeking cheap New Hampshire auto insurance.
• Limited Local Presence: Predominantly operates online, which can be less convenient for those who prefer face-to-face interactions for cheap New Hampshire auto insurance. Read more through our Allstate vs. USAA Insurance Review.

#2 – Geico: Best for Affordable Rates

Pros

• Low Premiums: Known for its competitive pricing, Geico offers cheap New Hampshire auto insurance with rates starting at $21 per month. This affordability makes it accessible to a wide range of drivers. To find out more, visit our Geico auto insurance review.
• Extensive Coverage Options: Geico provides a range of coverage options for cheap New Hampshire auto insurance, including liability, collision, and comprehensive, with customization options.
• Wide Range of Discounts: Offers a 15% good driver discount and additional savings for safe driving and vehicle safety features, further reducing costs for cheap New Hampshire auto insurance.

Cons

• Mixed Customer Service Feedback: Some customers report issues with customer service and claims handling for cheap New Hampshire auto insurance, affecting overall satisfaction.
• Potential Rate Hikes: Drivers with high-risk profiles might experience higher premiums despite Geico’s generally low rates, impacting the affordability of cheap New Hampshire auto insurance.

#3 – State Farm: Best for Customer Service

Pros

• High Satisfaction Ratings: State Farm frequently receives high ratings for customer service in cheap New Hampshire auto insurance, reflecting its commitment to quality service and support.
• Wide Coverage Options: Provides comprehensive coverage options for cheap New Hampshire auto insurance, including liability, collision, and comprehensive, with various add-ons. Find out in our State Farm Company Review.
• Extensive Local Agent Network: State Farm’s large number of local agents in New Hampshire offers personalized service for cheap New Hampshire auto insurance, enhancing customer support.

Cons

• Higher Premiums for Some: Rates may be slightly higher compared to some competitors for cheap New Hampshire auto insurance, depending on individual risk factors.
• Complex Policy Details: Some customers find State Farm’s policy options for cheap New Hampshire auto insurance to be complex, requiring assistance to fully understand.

#4 – Progressive: Best for Tight Budgets

Pros

• Affordable Pricing: Progressive is known for providing low-cost options for cheap New Hampshire auto insurance, with rates starting at $26 per month, ideal for budget-conscious drivers.
• Snapshot Program: Offers a usage-based insurance program that can lower rates based on safe driving, providing potential savings on cheap New Hampshire auto insurance. Our complete Progressive auto insurance review goes over this in more detail.
• Flexible Coverage Choices: Provides a broad range of coverage options for cheap New Hampshire auto insurance, including liability, collision, and comprehensive, with customizable add-ons.

Cons

• Inconsistent Customer Service: Customer service experiences for cheap New Hampshire auto insurance can vary, with some reports of delays and issues in claims processing.
• Potential Rate Increases: Rates may increase if driving behavior changes, despite initial low premiums, affecting the long-term affordability of cheap New Hampshire auto insurance.

#5 – Travelers: Best for Coverage Options

Pros

• Comprehensive Coverage: Offers a wide range of coverage options for cheap New Hampshire auto insurance, including liability, collision, and comprehensive, with various add-ons for extensive protection.
• Discounts for Bundling: Includes significant discounts for bundling auto insurance with other types of insurance, such as home or renters, reducing the cost of cheap New Hampshire auto insurance.
• Strong Financial Stability: Known for its strong financial ratings, Travelers ensures reliable claims support for cheap New Hampshire auto insurance, offering peace of mind. Read more in our detailed Travelers auto insurance review.

Cons

• Average Customer Service: Travelers’ customer service for cheap New Hampshire auto insurance may not be as highly rated, with mixed reviews regarding claim handling.
• Higher Costs for Additional Coverage: Optional add-ons for cheap New Hampshire auto insurance can increase overall policy costs, which might make it less affordable.

#6 – Nationwide: Best for Deductible Options

Pros

• Flexible Deductibles: Nationwide offers a variety of deductible options for cheap New Hampshire auto insurance, allowing drivers to choose levels that best fit their financial situation.  Learn from our Nationwide auto insurance review about their financial stability.
• Broad Coverage Choices: Provides extensive coverage options for cheap New Hampshire auto insurance, including liability, collision, and comprehensive, with customizable add-ons.
• Unique Programs: Includes programs like Vanishing Deductible, which reduces deductibles for safe driving over time, offering potential savings on cheap New Hampshire auto insurance.

Cons

• Higher Premiums for Some: Rates for cheap New Hampshire auto insurance may be higher for drivers with certain risk factors, potentially making it less ideal for high-risk individuals.
• Mixed Customer Reviews: Some customers report inconsistent experiences with customer service and claims handling for cheap New Hampshire auto insurance.

#7 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Rewards: Offers rewards and discounts for long-term customers of cheap New Hampshire auto insurance, reducing premiums over time and encouraging customer retention.
• Comprehensive Coverage: Provides a broad range of coverage options for cheap New Hampshire auto insurance, including liability, collision, comprehensive, and various add-ons. Find out more about American Family in our American Family review.
• High Customer Satisfaction: Known for strong customer service and satisfaction in cheap New Hampshire auto insurance, reflected in positive feedback and low complaint levels.

Cons

• Potentially Higher Rates: Initial rates for cheap New Hampshire auto insurance might be higher compared to some competitors, particularly for new customers.
• Limited Discounts: May not offer as many discount options as some competitors for cheap New Hampshire auto insurance, potentially limiting savings.

#8 – Farmers: Best for Safe Drivers

Pros

• Safe Driver Discounts: Provides significant discounts for safe driving and good driving records for cheap New Hampshire auto insurance, rewarding responsible behavior with up to a 10% discount.
• Broad Coverage Options: Offers extensive coverage options for cheap New Hampshire auto insurance, including liability, collision, comprehensive, and specialized add-ons. Take a look at our Farmers auto insurance review to learn more.
• High-Quality Customer Service: Known for good customer service and support in cheap New Hampshire auto insurance, with a focus on addressing customer needs effectively.

Cons

• Higher Rates for Some Drivers: Rates for cheap New Hampshire auto insurance may be higher for drivers with certain risk factors or less favorable driving records.
• Inconsistent Claims Experience: Some customers report varied experiences with the claims process for cheap New Hampshire auto insurance, with occasional delays.

#9 – Allstate: Best for Customized Policies

Pros

• Highly Customizable Policies: Offers a range of customizable policy options for cheap New Hampshire auto insurance, allowing drivers to tailor coverage to their specific needs. Read more about this provider in our Allstate auto insurance review.
• Various Discounts Available: Includes a 10% discount for good drivers and additional savings for bundling policies and vehicle safety features, reducing overall costs for cheap New Hampshire auto insurance.
• Comprehensive Coverage: Provides extensive coverage options for cheap New Hampshire auto insurance, including liability, collision, comprehensive, and unique add-ons like accident forgiveness.

Cons

• Higher Premiums for Some: Initial rates for cheap New Hampshire auto insurance might be higher compared to some competitors, depending on individual risk factors.
• Complex Policy Details: Some customers find Allstate’s policy options for cheap New Hampshire auto insurance to be complex, requiring additional explanation or assistance.

#10 – Liberty Mutual: Best for Coverage Options

Pros

• Extensive Coverage Choices: Liberty Mutual offers a wide array of coverage options for cheap New Hampshire auto insurance, including liability, collision, comprehensive, and specialized add-ons tailored to individual needs.
• Flexible Policy Options: Features customizable policy options for cheap New Hampshire auto insurance, allowing drivers to tailor their coverage based on personal preferences and needs.
• Strong Claims Support: Known for reliable claims support and efficient processing for cheap New Hampshire auto insurance, ensuring that claims are handled promptly and effectively. To see monthly premiums and honest rankings, read our Liberty Mutual auto insurance review.

Cons

• Higher Premiums: Liberty Mutual’s premiums for cheap New Hampshire auto insurance are generally higher compared to some competitors, which may affect affordability for budget-conscious drivers.
• Limited Local Agents: Fewer local agents compared to some other providers, which can make accessing personalized service for cheap New Hampshire auto insurance less convenient.

Auto Insurance Laws and Requirements in New Hampshire

Oddly enough, New Hampshire is one of the few states that do not force drivers to purchase auto insurance. However, the state does require that drivers prove that they are financially responsible for their actions while driving, and most people will satisfy this requirement by purchasing auto insurance.

The state operates under the ‘Tort auto insurance’ system, meaning that when an accident occurs, one of the drivers will be found ‘at fault’ and their insurance company will pay out claims for injuries and property damage.

New Hampshire Auto Insurance Monthly Rates by Coverage Level & Provider

Drivers that choose to purchase auto insurance must satisfy requirements in four different areas to be considered financially responsible under state law. Bodily injury liability insurance covers the injury-related costs for other drivers, passengers and pedestrians in an accident where you are the ‘at fault’ driver.

It’s worth noting that this insurance policy does not cover the policyholder OR their passengers in the event of an accident. Simply put, it covers the medical treatment, lost wages, funeral costs, and other accident-related medical costs of others.

State law requires drivers have a minimum coverage of $25,000 per party, per accident and $50,000 for all parties in a single accident. The state requires that drivers have a minimum of $25,000 in Property Damage Liability coverage.

Property damage liability insurance works much like the above injury insurance, except this policy is intended to pay out claims for damage to other automobiles and property that results from an accident where you are the ‘at fault’ party.

 

Personal injury protection (PIP) coverage has a minimum requirement of just $1,000, which is quite inexpensive. This policy helps cover injury-related costs for the policyholder and their passengers, regardless of who caused the accident. Since PIP insurance provides coverage for you and your passengers, it’s advisable to purchase a reasonable amount to ensure adequate protection.

Finally, the state requires drivers to protect themselves in case of an accident caused by a driver with no insurance. Uninsured motorist bodily injury liability protection covers the policy holder and their passengers for injury-related treatment costs, lost wages and the like.

New Hampshire Vehicle Insurance Rates

Thanks to some incredible theft and crash numbers that we’ll discuss below, drivers in New Hampshire benefit from affordable liability auto insurance coverage, paying significantly less on average compared to the rest of the country. As of August 2011, those in New Hampshire pay just $87 for a month’s worth of auto insurance.

This rate represents a 38% discount over the national average of $120 per month, and makes New Hampshire one of the least expensive states to insure an automobile.

Drivers in New Hampshire’s major cities pay a bit more, thanks to the increases accident and theft risks that come with city driving. Those who call Nashua home will pay an average of $108 for a month’s worth of auto insurance, while citizens of Manchester are looking at a higher rate of $121. Enter your ZIP code to start comparing your quote.

NH Driving Statistics

Unfortunately, the New Hampshire Department of Transportation and Department of Safety have yet to release recent data regarding vehicle crashes in the state. However, the NHTSA does provide some data that can give a glimpse in to how well New Hampshire drivers are doing in regards to safety.

In 2009, there were a total of 110 fatalities caused by automobile accidents throughout the state; 30 of these (27%) were alcohol related. This represents a drop of 20% in the overall fatality rate when compared to 2008’s total of 138 fatalities, with 45 being alcohol-related.

A drop of 1.6% in a month which is quite the improvement, and reflects the state’s commitment to improving traffic safety and reducing crashes on the highways and turnpikes in New Hampshire. Read more through our expert guide titled “What are the different types of auto insurance coverage?”

As one of the safest states in the nation, it should come to as no surprise to those in New Hampshire to find out that their state ranks 50th overall — dead last — for auto thefts. It’s little wonder that the auto insurance rates are so low, when the chance of having your vehicle stolen is next to none!

In 2009, there were a total of 1,124 vehicle thefts reported in New Hampshire, which represents a rate of just 85 vehicle thefts per 100,000 citizens. Again, this represents a decrease from the respective 2008 totals of 1,406 thefts and 106.4 thefts per 100,000 citizens.

It’s up to the state and its drivers to keep the pressure on auto thieves — being in last place means that the only place the state can go is up. With luck, the safety trends in New Hampshire will continue, and drivers will keep enjoying very low auto insurance rates because of it.

Compare Auto Insurance Quotes in New Hampshire

Affordable instant auto insurance quotes knows that your goal is to decrease your New Hampshire auto insurance rates – and we’re committed to helping. All you need to do to find the best rates for auto insurance New Hampshire has to offer is scroll up to the top of this page.

Don’t get caught paying above average auto insurance rates for no apparent reason! The only way to get discounts is to shop around, and that’s what our tool allows you to do. Enjoy! At the top, there’s a quick and easy form where you simply enter in your ZIP code to get started.