Best and Cheapest Car Insurance in New Hampshire as Rated by Customers in 2024

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#1
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USAA
4.72 ★★★★★
4.72 ★★★★★
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Excellent
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#2
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PURE
4.49 ★★★★★
4.49 ★★★★★
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Excellent
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#3
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4.34 ★★★★★
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#4
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4.20 ★★★★★
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#5
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4.18 ★★★★★
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#6
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4.17 ★★★★★
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#7
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the hartford
4.15 ★★★★★
4.15 ★★★★★
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#8
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4.15 ★★★★★
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#9
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AAA
4.12 ★★★★★
4.12 ★★★★★
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Excellent
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#10
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4.10 ★★★★★
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Excellent
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#11
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4.10 ★★★★★
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#12
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4.09 ★★★★★
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#13
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4.09 ★★★★★
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#14
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4.06 ★★★★★
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#15
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4.05 ★★★★★
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#16
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Nationwide
4.04 ★★★★★
4.04 ★★★★★
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#17
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MetLife, Inc.
4.02 ★★★★★
4.02 ★★★★★
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#18
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4.01 ★★★★★
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#19
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allstate
4.00 ★★★★★
4.00 ★★★★★
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#20
/63
4.00 ★★★★★
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#21
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3.98 ★★★★★
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#22
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3.95 ★★★★★
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#23
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3.93 ★★★★★
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#24
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3.92 ★★★★★
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#25
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3.91 ★★★★★
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#26
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MAPFRE Insurance
3.89 ★★★★★
3.89 ★★★★★
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#27
/63
3.83 ★★★★★
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#28
/63
3.83 ★★★★★
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#29
/63
3.83 ★★★★★
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#30
/63
3.80 ★★★★★
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#31
/63
3.72 ★★★★★
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#32
/63
3.68 ★★★★★
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#33
/63
3.63 ★★★★★
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#34
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3.62 ★★★★★
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#35
/63
3.57 ★★★★★
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#36
/63
3.55 ★★★★★
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#37
/63
3.39 ★★★★★
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#38
/63
3.33 ★★★★★
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#39
/63
3.30 ★★★★★
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#40
/63
3.25 ★★★★★
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#41
/63
3.08 ★★★★★
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#42
/63
2.64 ★★★★★
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#43
/63
2.22 ★★★★★
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#44
/63
4.82 ★★★★★
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#45
/63
4.63 ★★★★★
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#46
/63
4.42 ★★★★★
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#47
/63
4.30 ★★★★★
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#48
/63
Hagerty
4.00 ★★★★★
4.00 ★★★★★
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#49
/63
3.93 ★★★★★
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#50
/63
3.91 ★★★★★
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#51
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Providence Mutual
3.78 ★★★★★
3.78 ★★★★★
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#52
/63
3.51 ★★★★★
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#53
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3.40 ★★★★★
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#54
/63
3.39 ★★★★★
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#55
/63
3.28 ★★★★★
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#56
/63
3.13 ★★★★★
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#57
/63
RentalCover.com
2.90 ★★★★★
2.90 ★★★★★
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#58
/63
2.87 ★★★★★
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#59
/63
2.82 ★★★★★
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#60
/63
2.49 ★★★★★
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#61
/63
0.00 ★★★★★
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#62
/63
0.00 ★★★★★
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#63
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0.00 ★★★★★
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For customers, it can be challenging to try to figure out which New Hampshire car insurance company is the best option. There are a lot of different car insurance companies to choose from in New Hampshire, and Clearsurance customer reviews are available to help you make an informed decision when purchasing car insurance. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in New Hampshire. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best New Hampshire car insurance companies.

In the table above, you can sort through all the New Hampshire car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. With thousands of readers visiting every day, companies with an average cost that makes sense for you can be found. More importantly, you don't have to have clean driving records to find great matches on Clearsurance.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best New Hampshire car insurance rankings.

Interested in learning more about one of these New Hampshire car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in New Hampshire?

Geico is the cheapest car insurance option for both female and male teen drivers on average in New Hampshire when compared against the most popular car insurance companies in the state. Teen drivers face a higher average cost than any other age group due to inexperience and risk of an at fault accident. With student and other discounts, teen rates don't have to be as expensive as you might expect.

Company Female teen ratesMale teen rates
Allstate Insurance $865 $951
Amica Mutual Insurance Company $1,866 $2,020
Geico $568 $701
Progressive $3,263 $3,623
State Farm Insurance Company $990 $1,158

These rates are based on profiles for 18-year-old male and female drivers in New Hampshire. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in New Hampshire will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in New Hampshire?

Among the five largest car insurance companies in New Hampshire, Geico offers the cheapest car insurance rates for married couples in the state on average. Married couples typically combine stabilizing factors like homeownership, age, and more. They are more likely to have multiple cars, houses, and other things that save insurance companies money on a per policy basis. While our sample married couple was 35-years old, married couples of other ages see many of the same cost benefits.

Company Married couple rates
Allstate Insurance $1,588
Amica Mutual Insurance Company $1,220
Geico $1,010
Progressive $1,742
State Farm Insurance Company $1,184

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in New Hampshire will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in New Hampshire?

State Farm offers the cheapest car insurance rates to male and female senior drivers in New Hampshire on average in comparison to the other four largest insurers in the state. Drivers who are 65 and up may drive safer due to more experience and better judgment while driving. Especially if you have a clean driving record, proof of insurance is more affordable than ever for seniors.

Company Female senior ratesMale senior rates
Allstate Insurance $1,193 $1,296
Amica Mutual Insurance Company $1,197 $1,197
Geico $726 $726
Progressive $832 $898
State Farm Insurance Company $594 $594

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in New Hampshire will differ. Rate data is provided by Quadrant Information Services.

What are the 10 cheapest areas in New Hampshire for car insurance?

There are many factors that determine your car insurance rates including your location. Car insurance rates in New Hampshire can even vary by different areas within a city or town based on risks in the area. In the table below, you can see the top 10 cheapest areas in New Hampshire for car insurance based on average rates for a single adult.

Area Car insurance rates
Keene $974
Contoocook $989
Swanzey $990
Concord $1,008
Suncook $1,008
Bradford $1,019
Lebanon $1,022
Hanover $1,023
Newport $1,023
Claremont $1,024

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in New Hampshire will differ. Rate data is provided by Quadrant Information Services.

What are the 10 most expensive areas in New Hampshire for car insurance?

Since factors such as crime rate vary by location, car insurance rates can vary within a state based on where you live. On average, the most expensive car insurance can be found in Manchester. In the table below, you can see the top 10 most expensive areas in New Hampshire for car insurance based on average rates for single adults.

Area Car insurance rates
Manchester $1,333
Hampstead $1,288
Atkinson $1,282
Newton $1,281
Kingston $1,280
Plaistow $1,272
Windham $1,270
Salem $1,268
Pelham $1,264
East Kingston $1,255

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in New Hampshire will differ. Rate data is provided by Quadrant Information Services.

What are the minimum car insurance coverage and limits in New Hampshire?

For drivers who decide to purchase car insurance in New Hampshire, the state has three required coverages: liability, medical payments and uninsured motorist. The limits for these coverages are outlined below, but it’s important to consider purchasing higher limits to make sure you’re properly protected in the event of a costly accident. Unfortunately, if you don't have enough liability per person coverage in a larger accident, the other party could sue you for the remaining balance.

Among the optional coverages in New Hampshire are collision insurance and comprehensive insurance, which provide additional protection for your vehicle.

New Hampshire state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $25,000 per accident

Medical payments:

  • $1,000 per person

Uninsured motorist:

  • Equal to your liability limits

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims after an at fault auto accident. Even with super cheap car insurance, you can get minimum coverage with liability coverage.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Personal injury protection covers you for any medical expenses resulting from a car accident, regardless of fault. Generally, an insurance policy will only cover a small around starting at around $10,000 in coverage limits.

Even though New Hampshire’s uninsured motorist percentage is below the national average, residents who buy car insurance are required to purchase uninsured motorist coverage. This not only protects you from an accident caused by one of the 9.9 percent of drivers in the state without insurance, it also protects you from hit-and-run drivers or drivers who don’t have enough insurance to cover your injury costs.

How are car insurance rates calculated in New Hampshire?

When searching and comparing quotes from the best auto insurance companies in New Hampshire, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in New Hampshire

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best New Hampshire car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How does Clearsurance rate and rank the best car insurance companies in New Hampshire?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car Insurance Guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Frequently Asked Questions

Who offers the cheapest teen car insurance rates in New Hampshire?

Geico is the cheapest car insurance option for both female and male teen drivers on average in New Hampshire when compared against the most popular car insurance companies in the state.

Who offers the cheapest car insurance rates for a married couple in New Hampshire?

Among the five largest car insurance companies in New Hampshire, Geico offers the cheapest car insurance rates for married couples in the state on average.

Who offers the cheapest senior car insurance rates in New Hampshire?

State Farm offers the cheapest car insurance rates to male and female senior drivers in New Hampshire on average in comparison to the other four largest insurers in the state.

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