Best Car Insurance in New Hampshire for 2025 [Compare the Top 10 Companies]
Geico, Travelers, and Progressive offer the best car insurance in New Hampshire. Geico offers full coverage for just $50 per month and easy policy management. Travelers gives flexible options for drivers with past violations, while Progressive rewards safe habits with strong discount programs.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: May 29, 2025
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The best car insurance in New Hampshire comes from Geico, Travelers, and Progressive. Geico is taking the top spot for full coverage starting at $50 per month. Geico combines low pricing with a wide range of options, making it ideal for drivers looking to balance cost and protection.
Our Top 10 Company Picks: Best Car Insurance in New Hampshire
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $50 | A++ | National Coverage | Geico |
 | #2 | $69 | A++ | Unique Perks | Travelers |
 | #3 | $63 | A+ | Competitive Rates | Progressive |
 | #4 | $128 | A+ | Bundling Benefits | Allstate |
 | #5 | $59 | B | Excellent Service | State Farm |
 | #6 | $78 | A | Coverage Variety | American Family |
 | #7 | $93 | A | Claim Satisfaction | Farmers |
 | #8 | $198 | A | Customizable Policies | Liberty Mutual |
 | #9 | $77 | A+ | Deductible Rewards | Nationwide |
 | #10 | $41 | A++ | Military Benefits | USAA |
Travelers stands out for flexible plans, especially if your record isn’t perfect, while Progressive offers strong discounts for safe drivers. All three companies provide multiple types of car insurance coverage, so you can tailor your policy to match your budget, driving habits, and coverage needs.
- Geico is the top pick with full coverage starting at $50 monthly
- The best car insurance in New Hampshire varies by age and location
- Top New Hampshire insurers offer strong discounts and claim support
Our free online comparison tool allows you to instantly get cheap NH car insurance quotes. Just enter your ZIP code to get started.
#1 – Geico: Top Overall Pick
Pros
- Affordable Rates: Our Geico car insurance review shows that the company has some of the cheapest car insurance rates in New Hampshire.
- Multiple Discounts: It offers a variety of discounts for New Hampshire drivers, helping them save even more on top-rated car insurance.
- Easy Online Management: Geico’s easy-to-navigate website simplifies the task of managing your NH auto insurance.
Cons
- Average Claims Experience: It may not offer the fastest claims processing for car insurance in New Hampshire.
- Limited Local Agents: The company has fewer in-person agents, which can be inconvenient for those seeking direct assistance in New Hampshire.
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#2 – Travelers: Best for Unique Perks
Pros
- Flexible Coverage: Travelers offers a variety of flexible coverage options that work well for New Hampshire drivers.
- Discounts Galore: The company helps New Hampshire drivers save through safe driver and bundling discounts.
- Great Support: Travelers’ customer service is reliable for policyholders across New Hampshire.
Cons
- Higher Rates: Car insurance rates in New Hampshire can be higher than other top picks.
- Slow Claims: Some Travelers car insurance reviews cite delays with New Hampshire claims processing.
#3 – Progressive: Best for Competitive Rates
Pros
- Affordable Options: Progressive’s Name Your Price tool helps you find a plan that fits your budget, making it easy to secure the best car insurance in New Hampshire.
- Great Discounts: Bundling your auto, home, and renters insurance with Progressive can result in substantial savings on your car insurance in New Hampshire.
- Easy-To-Use Tech: Progressive’s app and website make it easy for New Hampshire drivers to manage policies, file claims, and track coverage.
Cons
- Rates Can Be High: Progressive car insurance rates in New Hampshire can be expensive for drivers with past violations or poor credit.
- Limited In-Person Support: Progressive car insurance reviews show New Hampshire drivers have fewer in-person support options due to its online-first service model.
#4 – Allstate: Best for Bundling Benefits
Pros
- Plenty of Options: Our Allstate car insurance review discusses their different plans, so it’s easier to find one that works for you in New Hampshire.
- Strong Discount Options: New Hampshire drivers can save with Allstate through bundling, safe driving rewards, and multi-policy discounts.
- Reliable Local Support: Allstate offers helpful customer service in New Hampshire, with local agents available for in-person assistance when needed.
Cons
- A Bit Expensive: Its premiums can be more expensive than other choices in New Hampshire, so it’s not the most budget-friendly pick for some drivers.
- Can Take Time: Some customers in New Hampshire report that the claims process with Allstate can take longer than anticipated, which may cause frustration.
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#5 – State Farm: Best for Excellent Service
Pros
- Solid Coverage: State Farm car insurance review offers full coverage auto insurance in New Hampshire with multiple coverage types to fit your needs.
- Discounts Galore: You can save money by bundling policies or earning discounts for being a safe driver in New Hampshire.
- Trusted Insurer: The company has a strong reputation for reliable service, making it a trusted choice for car insurance in New Hampshire.
Cons
- Higher Premiums: State Farm car insurance rates in New Hampshire may be higher than budget-friendly options like Geico or USAA.
- Slower Claims Handling: Some State Farm customers in New Hampshire report delays when filing or resolving claims.
#6 – American Family: Best for Coverage Variety
Pros
- Strong Coverage Options: According to American Family car insurance review, the company offers customizable car insurance for New Hampshire drivers, including full protection and extras like roadside help.
- Good Discount Options: American Family offers New Hampshire drivers savings through bundling, loyalty perks, and safe driving programs.
- Local Reliability: American Family has a trusted presence in New Hampshire, with agents who understand regional driving needs.
Cons
- Higher Premiums: American Family’s full coverage rates in New Hampshire tend to be above the state average.
- Delayed Claims Process: American Family customers in New Hampshire have reported slower claim approvals, which may affect urgent repair needs.
#7 – Farmers: Best for Claim Satisfaction
Pros
- Plenty of Coverage Choices: Our Farmers car insurance review explains New Hampshire car insurance coverage choices so you can find the best fit.
- Multiple Ways to Save: Farmers offers New Hampshire drivers discounts for bundling, safe driving, and insuring newer vehicles.
- Responsive Customer Support: Farmers earns positive reviews in New Hampshire for providing helpful, easy-to-reach customer service.
Cons
- Can Be Pricey: Farmers’ premiums tend to be higher than other car coverage choices in New Hampshire, which may not please budget-conscious drivers.
- Claims Might Drag: New Hampshire drivers may face delays settling claims with Farmers, which can add stress during an already difficult situation.
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#8 – Liberty Mutual: Best for Customizable Policies
Pros
- Coverage Your Way: Liberty Mutual lets you build a car insurance plan that fits your needs in New Hampshire.
- Strong Discount Programs: Liberty Mutual car insurance review highlights savings for New Hampshire drivers through bundling and safe driving rewards via the mobile app.
- Trusted by Locals: The company is known for reliable customer support and coverage, based on New Hampshire driver reviews.
Cons
- Above-Average Pricing: Liberty Mutual car insurance rates in New Hampshire are often higher than competitors like Geico or State Farm.
- Slower Claims Process: Liberty Mutual customers in New Hampshire report delays in claim handling compared to faster competitors.
#9 – Nationwide: Best for Deductible Rewards
Pros
- Flexible Coverage: Nationwide gives you plenty of options for car insurance in New Hampshire, so you can choose what fits your needs.
- Customizable Policies: Nationwide car insurance review highlights flexible coverage options for New Hampshire drivers, including those with vehicles like Chevrolet Blazers.
- Excellent Customer Support: Famous for its friendly service, this company is a reliable choice for the best car insurance in NH.
Cons
- Above-Average Rates: Nationwide car insurance rates in New Hampshire may be higher than competitors like Geico or State Farm for similar coverage.
- Slower Claims Process: Nationwide car insurance reviews from New Hampshire drivers mention delays when filing or settling claims.
#10 – USAA: Best for Military Members
Pros
- Low Rates for Military: USAA offers some of the most affordable car insurance rates in New Hampshire for military members and their families.
- Strong Customer Support: USAA car insurance reviews in New Hampshire highlight responsive service and helpful support for military families.
- Flexible Coverage Options: It has adjustable auto insurance plans for New Hampshire drivers, with added perks for military households.
Cons
- Military-Only Access: USAA’s policies in New Hampshire are limited to military members, veterans, and their families.
- Coverage Limits by State: Some coverage options may also be limited in New Hampshire compared to other states.
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New Hampshire Auto Insurance Rate Comparison
If you’re buying car insurance in New Hampshire by month, this table shows you a side-by-side comparison by provider and coverage level. Its full coverage, at $50 a month, is the lowest among the competition, so it’s a great option for a budget-conscious driver.
New Hampshire Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $53 | $128 |
| $32 | $78 |
| $38 | $93 |
| $21 | $50 |
| $81 | $198 |
| $32 | $77 |
| $26 | $63 |
| $24 | $59 |
| $28 | $69 |
| $17 | $41 |
If you need bare-bones coverage, USAA is the cheapest at $17 per month, but its coverage is limited to people who are in the military or related to it. American Family and Nationwide are also worth consideration, with minimum coverage premiums of $32 a month, providing good options that won’t break the bank.
Geico stands out as the best choice in New Hampshire, backed by solid coverage options and an excellent 95% customer satisfaction rating.Brad Larson Licensed Insurance Agent
On the higher end, Liberty Mutual charges $81 per month for minimum and $198 for full coverage, noticeably more than other insurers. Whether you want basic protection or full coverage, this breakdown helps you weigh your options, especially if you’re comparing car insurance New Hampshire rates, where pricing varies by provider and driver profile.
New Hampshire Car Insurance Rates by Age, Gender
This table breaks down monthly car insurance rates in New Hampshire by age, gender, and provider, and it’s a great reference if you’re comparing options.
Car Insurance Monthly Rates in New Hampshire by Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
 | $250 | $265 | $187 | $198 | $170 | $180 | $185 | $202 |
 | $180 | $190 | $118 | $139 | $110 | $130 | $144 | $100 |
 | $220 | $235 | $166 | $173 | $150 | $160 | $159 | $123 |
 | $200 | $210 | $77 | $125 | $70 | $115 | $61 | $61 |
 | $300 | $315 | $290 | $308 | $250 | $270 | $176 | $226 |
 | $210 | $225 | $133 | $145 | $120 | $140 | $90 | $100 |
 | $220 | $230 | $127 | $130 | $120 | $130 | $83 | $84 |
 | $160 | $170 | $98 | $114 | $95 | $110 | $74 | $74 |
| $180 | $190 | $105 | $114 | $100 | $115 | $131 | $89 |
 | $210 | $225 | $80 | $87 | $75 | $85 | $69 | $54 |
For full coverage, Geico stands out with some of the lowest monthly rates—just $70 for a 35-year-old female and $61 for drivers aged 60. USAA also offers strong value for military members, with monthly rates as low as $54 for a 60-year-old male. On the flip side, Liberty Mutual shows some of the highest rates across most categories, including $315 per month for 17-year-old males.
If you’re younger, rates are often higher, but companies like State Farm and American Family car insurance stay more affordable. Whether you’re a teen or a retiree, this overview helps you find the best fit based on age and gender, especially when comparing New Hampshire car insurance quotes.
New Hampshire Car Insurance Discounts
Discounts can really shift the balance when you’re deciding between car insurance providers in New Hampshire. For auto insurance New Hampshire drivers can rely on, Nationwide stands out with the highest safe driver discount at 40%, which is a big help if you have a clean record.
Car Insurance Discounts From Top Providers in New Hampshire
| Insurance Company | Bundling | Good Driver | Good Student | Military | Multi-Car |
|---|---|---|---|---|---|
| 25% | 25% | 22% | 25% | 25% |
| 25% | 25% | 20% | 12% | 20% |
| 20% | 30% | 15% | 20% | 20% |
| 25% | 26% | 15% | 15% | 25% |
| 25% | 20% | 12% | 10% | 25% |
| 20% | 40% | 18% | 25% | 20% |
| 10% | 30% | 10% | 15% | 12% |
| 17% | 25% | 35% | 25% | 20% |
| 13% | 10% | 8% | 10% | 8% |
| 10% | 30% | 10% | 30% | 10% |
If you’re a student or have one on your policy, State Farm offers an impressive 35% discount, much more generous than most others. For bundling home and auto, companies like Allstate, Geico, and Liberty Mutual each offer up to 25%.
For military families, USAA offers a strong 30% discount, followed closely by Allstate and Nationwide car insurance. Whether you’re bundling, adding multiple cars, or just keeping your driving record clean, the right provider can reward your habits with real savings.
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Car Insurance Claims in New Hampshire
This table lists the five most frequent car insurance claims in New Hampshire and their average costs. Rear-end collisions are the most common, making up 30% of claims with an average payout of $5,500.
5 Most Common Car Insurance Claims in New Hampshire
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 30% | $5,500 |
| Vandalism/Theft | 25% | $2,500 |
| Parking Lot Accidents | 20% | $3,000 |
| Animal Collisions | 15% | $4,000 |
| Weather-Related Damage | 10% | $2,000 |
Vandalism and theft follow at 25%, costing around $2,500 per claim. Parking lot accidents account for 20% of claims and cost about $3,000 each. Animal collisions make up 15%, averaging $4,000, while weather-related damage rounds out the list at 10%, with a cost of $2,000.
When comparing insurers, prioritize those that handle collision and comprehensive car insurance claims efficiently, especially if you’re searching for cheap auto insurance that New Hampshire drivers can depend on for both affordability and reliable claims support.
New Hampshire Accidents & Claims
This table breaks down the number of car accident & claims reported each year in key New Hampshire cities. Manchester tops the list with 5,200 accidents and 4,000 claims, making it the most accident-prone city in the state.
New Hampshire Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Concord | 1,500 | 1,200 |
| Derry | 900 | 700 |
| Keene | 600 | 500 |
| Lebanon | 400 | 350 |
| Manchester | 5,200 | 4,000 |
| Nashua | 3,100 | 2,500 |
| Portsmouth | 1,000 | 800 |
Nashua follows with 3,100 accidents and 2,500 claims—data that can directly influence the auto insurance quotes New Hampshire drivers receive based on their location and risk level. Concord, Derry, and Portsmouth see moderate activity, with Portsmouth reporting 1,000 accidents and 800 claims.
On the lower end, Keene has 600 accidents and Lebanon just 400. If you live in a city with higher claim volumes like Manchester or Nashua, insurers may consider past accidents and traffic violations when pricing policies, so it pays to compare quotes carefully.
How to Get New Hampshire Car Insurance Rates
Car insurance rates in New Hampshire aren’t fixed. They depend on your driving history, where you live, and the type of coverage you choose. Knowing how these factors affect your premium can help you find a policy that works for your budget while offering the protection you need.
New Hampshire Report Card: Car Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | B | Winter weather can cause hazardous driving conditions |
| Traffic Density | B+ | Moderate congestion in cities, but less in rural areas |
| Vehicle Theft Rate | C+ | Theft rates are slightly above average, mainly in urban areas |
| Uninsured Drivers Rate | D | High rate of uninsured drivers, leading to higher premiums |
This gives you a look at the latest rate trends so you can see what other drivers are paying and find ways to keep your costs down. Auto insurance is necessary, but that doesn’t mean you have to overpay.
Compare quotes by location and age—Geico’s full coverage often starts at $50 per month in New Hampshire.Chris Tepedino Feature Writer
Knowing the average rates in New Hampshire can help you shop smarter and take advantage of discounts to lower your costs. Compare your options, review different coverage levels, and make an informed decision that fits your budget and needs.
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Find the Best Car Insurance Deals in New Hampshire
New Hampshire drivers don’t have to overpay for solid coverage. Geico offers full coverage starting at $50 per month, while Travelers and Progressive cater well to drivers with past violations or those eligible for safe-driving discounts. Since rates vary by provider, age, city, and even car type, comparing quotes is the most reliable way to lock in the best deal.
If you’re shopping for the best car insurance by vehicle, there are additional factors to consider to determine how your make and model factor into your rate. Whether you’re shopping for basic coverage or a luxury policy, selecting an insurer that offers competitive pricing as well as claims and customer service can be worth it.
Ready to shop around for the best car insurance? Enter your ZIP code and see which car insurance company in NH offers the coverage you need.
Frequently Asked Questions
How much is car insurance in New Hampshire on average?
Car insurance in New Hampshire costs around $77 per month for full coverage and $32 per month for minimum coverage, depending on the provider and driver profile. Geico, for example, offers full coverage starting at $50 monthly, while Liberty Mutual’s full coverage can reach $198 per month.
How do I get the most accurate New Hampshire auto insurance quotes?
To get accurate auto insurance quotes in New Hampshire, compare providers like Geico, Travelers, and Progressive using your ZIP code, driving history, and coverage level. Rates vary widely—Geico’s full coverage starts at $50/month, while Liberty Mutual’s can top $198 a month.
What is the cheapest car insurance in New Hampshire right now?
USAA offers the cheapest car insurance in New Hampshire with minimum coverage starting at $17 per month, followed by Geico at $21 and State Farm at $24. These three rank among the cheapest car insurance companies in the state, though USAA is only available to military families.
What are typical car quotes for insurance in New Hampshire cities like Keene or Salem?
In Keene, monthly quotes can range from $61 with Geico to $150 with Farmers, depending on age and coverage. In Salem, average rates are similar, with providers like Progressive and Travelers offering full coverage in the $60–$85 a month range.
Which car insurance companies in New Hampshire have the best customer reviews?
Geico, USAA, and State Farm consistently receive high marks for customer satisfaction, pricing, and claims handling in New Hampshire. USAA stands out with the lowest full coverage rate at $41 per month, but it is exclusive to military families.
Does New Hampshire require car insurance by law?
New Hampshire does not mandate car insurance for all drivers. However, if you’re involved in an accident or convicted of certain violations, you’re required to carry liability insurance—this includes bodily injury liability coverage to meet the state’s financial responsibility requirements.
Who provides auto insurance in Hooksett, NH, with competitive pricing?
Geico and Progressive offer the most competitive pricing in Hooksett. Geico’s monthly full coverage is as low as $50, while Progressive starts around $63 a month, depending on the driver’s record.
What are some cheap New Hampshire car insurance companies worth checking out?
For affordable rates, look into USAA, Geico, State Farm, and American Family. All offer full coverage for under $80 per month and significant discounts for bundling, safe driving, and students.
What are the New Hampshire car insurance requirements?
If you choose to carry insurance, the state requires 25/50/25 liability coverage: $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. Uninsured/underinsured motorist coverage is also required if you opt into a policy. These minimums help answer how much car insurance you need to legally drive in New Hampshire.
How much are car insurance quotes in Salem, NH specifically?
Monthly quotes in Salem vary based on coverage and company. Geico’s minimum coverage is around $21 a month, while Travelers offers full coverage closer to $69 a month. Salem drivers can reduce costs by applying for bundling or multi-car discounts.
What are the average auto insurance quotes in Keene, NH?
In Keene, drivers can expect monthly quotes ranging from $61 with Geico to $123 with Farmers for full coverage, depending on age and vehicle type. Discounts for good drivers or bundling can bring rates even lower.
What are the auto insurance requirements in New Hampshire for SR-22 filings?
Drivers required to file an SR-22 in New Hampshire must carry liability insurance that meets or exceeds state minimums and maintain it for at least three years. Most will need to carry minimum coverage car insurance to stay compliant, and the filing must be submitted directly by the insurer.
What are the cheapest cars to insure in New Hampshire?
Vehicles like the Subaru Outback, Honda CR-V, and Toyota Camry typically rank among the cheapest to insure in New Hampshire due to their strong safety ratings and affordable repair costs. Rates for these vehicles can be 15–25% lower than average.
See how much you’ll pay for car insurance by entering your ZIP code into our free comparison tool.
Is rideshare insurance available in New Hampshire, and who offers it?
Yes, rideshare insurance is available. Providers like Progressive, Geico, and State Farm offer coverage that bridges the gap between personal and commercial policies. Monthly add-on costs range from $15 to $30, depending on driving habits.
What’s the best way to compare car insurance in NH?
Use a free online quote tool to compare top-rated companies like Geico, USAA, and State Farm. Focus on monthly premiums, claim satisfaction ratings, discounts, and how well the company handles claims in high-traffic cities like Manchester or Nashua, especially since car insurance rates by state can vary widely based on location-specific risk factors.