Car Insurance in New Hampshire
✅ Why you can trust EverQuote - EverQuote powers millions of shopper requests every month, teaming up with industry-leading insurance specialists to address real-world challenges faced by people every day. We partner with the largest insurance providers in the nation, and our content is carefully crafted by experts and reviewed by licensed insurance agents for accuracy and relevance.
New Hampshire Car Insurance Quotes
New Hampshire drivers pay an average of $127 monthly for car insurance, well below the national average of $189. While located in the busy Northeast corridor, the state has a lower population density than its neighbors. Residents are used to driving in the state's notorious snowstorms, helping to keep car insurance rates reasonable.
Other factors impacting New Hampshire car insurance costs include the driver's age and driving history, vehicle type, and consumer profile. We considered those factors and others in our analysis.
If you're considering a new car insurance policy, it helps to compare car insurance in New Hampshire. Keep reading to learn more.
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
Cheapest Insurance in New Hampshire
We partner with insurance experts to analyze millions of data points and get you the best car insurance in New Hampshire.
| Rank | Insurance company | Average monthly premium |
|---|---|---|
| 1 | MMG Insurance | $78 |
| 2 | USAA | $80 |
| 3 | Auto Owners | $96 |
| 4 | Safety Auto Insurance | $106 |
| 5 | Geico | $107 |
| Avg. monthly premiums are weighted by zip code population sizes | ||
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.
What is the quickest way to reduce my insurance premium in New Hampshire?
What is the most common insurance discount in New Hampshire?
How much will I save switching insurance providers in New Hampshire?
🔍 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.