Cheapest Car Insurance In New Hampshire 2025
Hanover offers the cheapest car insurance in New Hampshire, with average annual rates of $276 for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re searching for the cheapest car insurance in New Hampshire, Hanover stands out as the most affordable option for minimum coverage, at an average of $276 per year, which is lower than the national average of $637.
Drivers in New Hampshire looking for full coverage car insurance can find the lowest rates with USAA, averaging $1,224 per year. This is significantly lower than the national average of $2,401.
Key Takeaways
Hanover & MMG provide the cheapest car insurance policies in New Hampshire, on average.
The average cost of car insurance in New Hampshire ranges between $125-$175 per month.
Discounts are a good way to reduce your car insurance premium.
Cheapest Car Insurance Companies In New Hampshire 2025
Cheapest Car Insurance In New Hampshire For Minimum Coverage – Hanover
Minimum coverage in car insurance represents the most fundamental level of protection, aligning with the legal mandates set by the state of New Hampshire.
Hanover offers the cheapest minimum coverage car insurance in New Hampshire, with average monthly premiums of $23.
| Provider | Average Monthly Cost | Average Annual Cost |
| Geico | $33 | $396 |
| Hanover | $23 | $276 |
| MMG Insurance | $24 | $288 |
| Progressive | $36 | $432 |
| USAA | $26 | $312 |
Cheapest Car Insurance In New Hampshire For Full Coverage – USAA
Full coverage car insurance encompasses a more extensive range of protection compared to minimum coverage, making it a comprehensive choice for many drivers. This type of policy typically integrates both comprehensive and collision insurance, creating a robust safety net.
USAA has the cheapest full coverage car insurance in New Hampshire. You can get coverage for around $102 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $106 | $1,272 |
| Concord Group | $112 | $1,344 |
| MMG Insurance | $108 | $1,296 |
| State Farm | $115 | $1,380 |
| USAA | $102 | $1,224 |
Cheapest Car Insurance In New Hampshire For Drivers With Poor Credit – MMG
Credit score plays a pivotal role in the calculation of car insurance rates, serving as a key indicator for insurers in assessing the risk profile of a driver. The underlying premise is that individuals with lower credit scores are statistically more likely to file insurance claims.
If you have poor credit, you can find the cheapest car insurance with MMG. Premiums are around $149 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Concord Group | $160 | $1,920 |
| GEICO | $154 | $1,848 |
| MMG Insurance | $149 | $1,788 |
| Safety Insurance | $157 | $1,884 |
| Vermont Mutual | $152 | $1,824 |
Cheapest Car Insurance In New Hampshire For Seniors – Hanover
Car insurance for seniors in New Hampshire can be found at an affordable rate of $64 per month with Hanover.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $66 | $792 |
| GEICO | $71 | $852 |
| Hanover | $64 | $768 |
| MMG Insurance | $69 | $828 |
| Vermont Mutual | $73 | $876 |
Seniors in New Hampshire have the potential to secure competitive rates for their car insurance, thanks to the various factors that work in their favor. Age can indeed be a significant factor in determining insurance premiums, with the assumption being that as drivers age, their reflexes and driving abilities might decline. However, this is not a hard and fast rule, and many seniors maintain excellent driving records well into their later years.
Cheapest Car Insurance In New Hampshire For Teenagers – Concord Group
Teenage car insurance rates in New Hampshire are typically the highest out of any age group, this is because teenagers have a high rate of accidents, which translates into high premiums
Concord Group has the cheapest rates for teens, with an average monthly premium of $179.
| Provider | Average Monthly Cost | Average Annual Cost |
| Concord Group | $179 | $2,148 |
| GEICO | $184 | $2,208 |
| Hanover Insurance | $191 | $2,292 |
| MMG Insurance | $186 | $2,232 |
| Vermont Mutual | $182 | $2,184 |
Cheapest Car Insurance In New Hampshire For Good Drivers – Concord Group
Good drivers, characterized by their clean driving records, are typically rewarded with lower car insurance rates. Insurance companies assess risk based on a driver’s history, and those without any violations or accidents naturally fall into the low-risk category.
Concord Group provides the cheapest auto insurance policy in New Hampshire for drivers with a clean record, at an average annual rate of $1,044.
| Provider | Average Monthly Cost | Average Annual Cost |
| Concord Group | $87 | $1,044 |
| GEICO | $90 | $1,080 |
| Hanover Insurance | $92 | $1,104 |
| MMG Insurance | $89 | $1,068 |
| Vermont Mutual | $86 | $1,032 |
Cheapest Car Insurance In New Hampshire For Drivers With A Speeding Ticket – Concord Group
Concord Group has average premiums of $144, making it the cheapest option for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Concord Group | $144 | $1,728 |
| GEICO | $149 | $1,788 |
| Hanover Insurance | $153 | $1,836 |
| MMG Insurance | $158 | $1,896 |
| Vermont Mutual | $162 | $1,944 |
Cheapest Car Insurance In New Hampshire For Drivers With An At-Fault Accident – Concord Group
Concord Group has average premiums of $148, making it the cheapest option for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Concord Group | $148 | $1,776 |
| Hanover Insurance | $152 | $1,824 |
| MMG Insurance | $156 | $1,872 |
| Progressive | $160 | $1,920 |
| Vermont Mutual | $164 | $1,968 |
Cheapest Car Insurance In New Hampshire For Drivers After A DUI – Concord Group
Concord Group has average premiums of $107, making it the cheapest option for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Concord Group | $107 | $1,284 |
| GEICO | $112 | $1,344 |
| Liberty Mutual | $134 | $1,608 |
| Progressive | $118 | $1,416 |
| State Farm | $114 | $1,368 |
Average Cost Of Car Insurance In New Hampshire – By Age
An 18-year-old driver in New Hampshire can expect to pay around $3,780 per year for their insurance, while a 35-year-old driver will only pay around $2,100.
Your age plays a significant role in determining your car insurance rate. Young drivers typically pay the highest premiums, with rates dropping as you get older.
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $360 | $4,320 |
| 17 | $340 | $4,080 |
| 18 | $315 | $3,780 |
| 19 | $290 | $3,480 |
| 21 | $250 | $3,000 |
| 25 | $210 | $2,520 |
| 35 | $175 | $2,100 |
| 45 | $165 | $1,980 |
| 55 | $160 | $1,920 |
| 65 | $170 | $2,040 |
| 75 | $200 | $2,400 |
Average Cost Of Car Insurance In New Hampshire – By City
Drivers in Derry typically pay around $1,464 per year, while drivers in Berlin may find rates around $1,296.
The city that your home is in greatly affects your car insurance premiums. Cities usually have higher risks of theft and accidents.
| City | Average Monthly Rate | Average Annual Cost |
| Berlin | $108 | $1,296 |
| Claremont | $110 | $1,320 |
| Concord | $118 | $1,416 |
| Derry | $122 | $1,464 |
| Dover | $120 | $1,440 |
Minimum Car Insurance Requirements In New Hampshire
New Hampshire drivers must have minimum car insurance with liability coverage set at 25/50/25. The minimum amount of coverage required by law is as follows:
- $25,000 for bodily injury per person
- $50,000 in bodily injury per accident
- $25,000 for property damage per accident.
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage per accident
Car Insurance Discounts In New Hampshire
While searching for car insurance, it’s wise to explore providers that present the most beneficial discounts tailored to your circumstances. Additionally, consulting with your insurance agent can reveal potential discounts that you might not be currently utilizing.
Below is further insight into the common types of discounts provided by top car insurance companies:
- Multi-policy: Bundle two or more insurance policies with the same company.
- Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies earns you this discount.
- Military: This generally applies to both veterans and active-duty military members.
- Senior: This often applies to policyholders who are 55 or older.
- Homeowners: If you own a home, you may qualify for this discount.
- Good student: This discount is usually for college and high school students under 25 who maintain a B average in their courses.
- Good driver: You can save money by maintaining a clean driving record (with no at-fault accidents, DUI, or traffic tickets in the last three years).
- Defensive driving: Those who take a qualifying defensive driving course get a discount.
- Driver training: Get a discount by taking a driver education training course.
- New car: Drivers who purchase new cars, typically no more than three model years old, get a discount.
- Safe car: This applies if your vehicle has safety features like anti-theft technology.
- Paperless: Receive a discount by opting to receive your documents through email.
- Pay-in-full: Save on your car insurance premium by paying in full up front.
Compare Rates To Other U.S. States
| State | Average Annual Premium |
| Alabama | $1,777 |
| Alaska | $1,576 |
| Arizona | $1,873 |
| Arkansas | $1,923 |
| California | $2,462 |
| Colorado | $2,139 |
| Connecticut | $1,834 |
| Delaware | $2,076 |
| Florida | $2,576 |
| Georgia | $1,974 |
| Hawaii | $1,546 |
| Idaho | $1,362 |
| Illinois | $1,672 |
| Indiana | $1,502 |
| Iowa | $1,488 |
| Kansas | $1,704 |
| Kentucky | $2,095 |
| Louisiana | $3,019 |
| Maine | $1,413 |
| Maryland | $1,991 |
| Massachusetts | $1,664 |
| Michigan | $2,199 |
| Minnesota | $1,702 |
| Mississippi | $1,892 |
| Missouri | $1,944 |
| Montana | $1,873 |
| Nebraska | $1,653 |
| Nevada | $2,211 |
| New Hampshire | $1,314 |
| New Jersey | $1,984 |
| New Mexico | $1,799 |
| New York | $2,281 |
| North Carolina | $1,432 |
| North Dakota | $1,623 |
| Ohio | $1,487 |
| Oklahoma | $2,062 |
| Oregon | $1,659 |
| Pennsylvania | $1,879 |
| Rhode Island | $2,174 |
| South Carolina | $1,944 |
| South Dakota | $2,376 |
| Tennessee | $1,615 |
| Texas | $1,983 |
| Utah | $1,784 |
| Vermont | $1,253 |
| Virginia | $1,531 |
| Washington | $1,703 |
| West Virginia | $1,726 |
| Wisconsin | $1,536 |
| Wyoming | $1,646 |
FAQs
How much is car insurance a month in New Hampshire?
The monthly cost of car insurance in New Hampshire varies widely but typically ranges from $125 to $175. Factors influencing the price include your driving record, type of coverage, and the make and model of your vehicle.
Which car insurance is better in New Hampshire?
The “best” insurance in New Hampshire depends on individual needs. Hanover & MMG are both popular for their affordability and customer service,
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in New Hampshire.
This is an informed perspective, honed by over 15 years of personal involvement in the industry as a licensed casualty insurance agent in New Hampshire, countless interactions with representatives from various companies, and insights gleaned from firsthand experience buying car insurance in New Hampshire.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
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