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Car Insurance in New Hampshire (Updated May 2024)

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New Hampshire Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at New Hampshire however, drivers are paying 32% less for car insurance than the national average, with Full Coverage costing New Hampshire drivers an average of $127 per month

Similar to other states, the rates in New Hampshire can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in New Hampshire. Read on to learn more about properly insuring your car in New Hampshire. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


New Hampshire Car Insurance Laws

New Hampshire is one of only two states in the country that don’t require drivers to have car insurance. However, if you choose to drive without insurance, you will be personally liable for any damages or injuries caused in an accident. This means that you could potentially face a significant financial burden if you are found at fault for an accident. 

New Hampshire’s car insurance minimums are:

If you do choose to purchase car insurance in New Hampshire, the state follows the national average 25/50/25 requirement:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage 

Proof of Insurance

“ New Hampshire does not impose penalties for driving without insurance. ” 


It's important to note that while New Hampshire does not impose penalties for driving without insurance, if you're found at fault in an accident and unable to pay for the damages or injuries caused, you could face severe financial consequences. This potential liability makes carrying at least the minimum recommended coverage a wise decision for most drivers​​​​.

Because there is no requirement for car insurance in New Hampshire, the state has no grace period for obtaining coverage.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in New Hampshire?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in New Hampshire?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in New Hampshire?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.