New Hampshire Car Insurance Quotes & Rates (2026)

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Get free coverage prices for NH drivers

For a 40-year-old driver with a clean record, New Hampshire car insurance averages about $144 a month ($1,728 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 38% below the national average in our data. It’s about the same as in Maine and Vermont and lower than in Massachusetts. GEICO and Progressive are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, Concord Group, GEICO, Progressive and State Farm), at about $112 and $114 a month.

New Hampshire car insurance: key numbers

• Full coverage: about $144 a month ($1,728 a year)
• Liability only (25/50/25): about $50 a month
• Lowest-priced insurer: GEICO and Progressive are effectively tied for the lowest full-coverage average among the five major insurers we compared, at about $112 and $114 a month
• Recent price change: +0.3% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Hillsborough County (about $150 a month) and Cheshire County (about $135)

Where you live in New Hampshire matters. Hillsborough County, home to Manchester and Nashua, costs the most of the state’s 10 counties, at about $150 a month for full coverage, followed by Rockingham County at $147, while Cheshire County, home to Keene, costs the least, at $135. Keene and Lebanon, in western New Hampshire, have the two lowest averages of the 72 cities and towns we price, both about $131. Use these averages as a benchmark, then compare New Hampshire car insurance quotes for your own car and ZIP code.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 80 New Hampshire ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in New Hampshire?

In New Hampshire (NH), full coverage costs about $144 a month ($1,728 a year) on average, and liability-only coverage at 25/50/25 limits costs about $50 a month ($596 a year). The figure is for a 40-year-old driver with a clean record and uses rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in New Hampshire averages $1,728 a year, or about $144 a month, for our benchmark driver. Liability-only coverage at 25/50/25 limits averages $596 a year ($50 a month), and 50/100/50 liability with comprehensive and collision averages $1,689 ($141 a month).

• Full coverage (100/300/100, $500 deductibles): $1,728 a year ($144 a month)
• 50/100/50 with $500 deductibles: $1,689 a year ($141 a month)
• Liability only (25/50/25): $596 a year ($50 a month)
• Manchester: $1,932 a year ($161 a month) for full coverage
• Nashua: $1,810 a year ($151 a month) for full coverage
• Concord: $1,655 a year ($138 a month) for full coverage
• Portsmouth: $1,657 a year ($138 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How New Hampshire Compares With Neighboring States

New Hampshire’s average is about $2 a month below Maine’s, $38 below Massachusetts’ and $3 above Vermont’s. It’s the third-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in New Hampshire: Companies Compared

Looking for cheap car insurance in New Hampshire? Start with GEICO and Progressive: among these five insurers, they’re effectively tied for the lowest full-coverage average for our benchmark driver, about $112 and $114 a month, ahead of State Farm at $145. The Hanover*, which we price from published rate studies, comes in lower, at about $86 a month. The bullets and table below show all five major insurers we compared and the four marked *.

• Lowest averages among these five insurers, full coverage: GEICO and Progressive, effectively tied at about $112 and $114 a month.
• Next lowest among these five insurers: State Farm at $145.
• Lowest liability-only average among these five insurers (25/50/25): Progressive, at about $29 a month, then GEICO at $41.
• Also on our list: USAA at about $80 a month, The Hanover at $86, Nationwide at $122 and MMG Insurance at $127 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $193 a month for full coverage, $970 a year more than GEICO.

The recent statewide New Hampshire rate studies we reviewed, one per publisher, disagree on which insurer is cheapest for full coverage: of the seven, two put MMG Insurance first (one in a tie with GEICO), one GEICO, and The Hanover, Safety Insurance, Encompass and Safeco lead one each, apart from USAA, which sells only to military families. Because no insurer leads at least half of them, we don’t name The Hanover* as the cheapest insurer in the table. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among these five insurers, at about $29 a month, followed by GEICO at $41. Liability-only coverage costs less, at about $17 and $23 a month, from The Hanover* and MMG Insurance*, which we price from published rate studies and don’t rank.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.

See What You’d Pay in New Hampshire

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Your NH ZIP is all it takes to start

How New Hampshire’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in New Hampshire?

Not by much, for our benchmark driver. Comparing the same insurers in the same New Hampshire ZIP codes, full coverage averaged $1,723 a year nine months earlier and $1,728 in rates as of Aug. 31, 2026, a 0.3% increase. State Farm cut its New Hampshire average 9.8% and Progressive 1.4%, while Concord Group raised its average 14.5%; Allstate’s and GEICO’s averages were unchanged. Liability-only coverage at 25/50/25 limits rose 0.2%, led by Concord Group, which raised its liability-only average 14.4%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About New Hampshire Car Insurance Costs

New Hampshire’s full-coverage average is the third-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Southern New Hampshire costs more. Across the 44 ZIP codes we price in Hillsborough and Rockingham counties, home to Manchester, Nashua, Derry and Portsmouth, full coverage averages about $148 a month, about 6% more than the $139 average across the rest of the state. Manchester, at $161, is the most expensive of the 72 cities and towns we price.
• Concord Group up, State Farm down. Comparing the same insurers in the same ZIP codes, Concord Group raised its statewide full-coverage average 14.5% over the past nine months, State Farm cut its average 9.8% and Progressive 1.4%, while Allstate’s and GEICO’s averages were unchanged. The five insurers’ combined average rose 0.3%.
• No insurance mandate for most drivers. New Hampshire isn’t a compulsory insurance state, according to the DMV, but an uninsured, at-fault crash with injuries or more than $1,000 in damage can cost you your license, and any policy you buy must include 25/50/25 liability, uninsured motorist coverage and at least $1,000 of medical payments coverage.

New Hampshire Car Insurance Rates by City

Manchester has the highest full-coverage average of the 72 New Hampshire cities and towns we price, about $161 a month, followed by Pelham ($155) and Hudson and Kingston (both $154). Keene and Lebanon have the lowest of the 72, both about $131. Of the four cities with two or more ZIP codes in our data, Manchester costs the most and Concord, the state capital, the least, at $138; Nashua averages $151 and Rochester $139. Portsmouth averages $138, our Dover, NH car insurance guide puts Dover at $142, and Derry, at $153, is among the five most expensive places in our data.

The table lists all 72 New Hampshire cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

New Hampshire City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

New Hampshire Car Insurance Rates by County

Hillsborough County is the most expensive county in our data, at about $150 a month for full coverage, followed by Rockingham County ($147) and Coos County ($142). The least expensive of the 10 counties we price are Cheshire County ($135) and Sullivan and Grafton counties (both $136). We price all 10 of New Hampshire’s counties. Coos County’s figure comes from one ZIP code, 03570 in Berlin, and Carroll County’s from two.

How Much More Does Better Coverage Cost in New Hampshire?

Raising liability limits from 50/100/50 to 100/300/100 adds only about $39 a year on average statewide in our data, with the same $500 deductibles. Across the five insurers, the change runs from $78 less a year (Allstate) to $156 more (Progressive). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

New Hampshire Car Insurance Laws at a Glance

Do You Need Car Insurance in New Hampshire?

Most drivers in New Hampshire aren’t required to buy car insurance. But an uninsured driver who causes a crash with injuries or more than $1,000 in damage can have their license and registration suspended until they post security, after which the state can require an SR-22 for at least three years. Each policy has to carry 25/50/25 liability plus uninsured motorist and medical payments coverage.

New Hampshire isn’t a mandatory or compulsory insurance state, according to the Division of Motor Vehicles, but proof of insurance can be required after a conviction, a crash or an administrative action. What the law does require is that you be able to pay for damage you cause.

New Hampshire Car Insurance Requirements If You Buy a Policy

• Liability: at least $25,000 per person and $50,000 per crash for bodily injury and $25,000 for property damage (25/50/25), under RSA 259:61.
• Uninsured motorist coverage: every policy must include it at least at those limits, and it rises automatically to match higher liability limits you choose, under RSA 264:15.
• Medical payments coverage: at least $1,000 per person for the driver and passengers, for medical costs in the three years after a crash, under RSA 264:16. You can bill those costs to medical payments coverage, your health insurance or both, but you can’t be paid twice.
• No PIP: New Hampshire doesn’t require personal injury protection, and collision and comprehensive coverage are your choice.

Our liability-only prices use 25/50/25 limits with 25/50 uninsured motorist coverage. The rate data doesn’t list medical payments coverage for that package, so we label it liability only rather than a state minimum. Our full-coverage prices use 100/300/100 limits with 100/300 uninsured motorist coverage.

What Happens If You Cause a Crash Without Insurance in New Hampshire?

If the combined damage is more than $1,000 or someone is hurt and the uninsured driver is at fault, New Hampshire can suspend that driver’s license, according to the DMV; the driver can post restitution with the DMV for the full amount. Under RSA 264:3, the license and registrations stay suspended until the driver or owner furnishes security for any judgment and then keeps proof of financial responsibility, and the DMV’s rules give an uninsured driver 30 days to post the required security before a suspension, under Saf-C 7505.09.

When New Hampshire Requires an SR-22

The DMV can require proof of insurance on the uniform SR-22 certificate after any DWI, leaving the scene of a crash or a second reckless driving offense, according to the DMV, and after four or more speeding convictions in one calendar year, under Saf-C 7504.04. The minimum filing period is three years from the conviction, crash or administrative action, according to the DMV’s SR-22 FAQ.

Is New Hampshire an At-Fault State?

Yes. In New Hampshire, the driver who causes a crash is responsible for the damage, because the state has no no-fault or PIP system. You can recover damages as long as your share of the fault was not greater than the other side’s, and your award is reduced by your share, under RSA 507:7-d. A crash with an injury, a death or more than $1,000 in property damage must be reported in writing to the DMV within 15 days, under RSA 264:25.

Credit, Rate Filings and the State’s Premium Comparisons

New Hampshire insurers can use credit information to rate and underwrite auto policies, under objective and measurable standards in RSA 412:15, and the Insurance Department’s rules bar counting medical collections or credit inquiries you didn’t start, under Ins 3305.01. Insurers file their rates with the commissioner at least 30 days before they take effect, under RSA 412:16. The New Hampshire Insurance Department publishes premium comparisons for the top 35 auto insurers in nine territories, assuming the best insurance score, and lists its consumer services line, 800-852-3416, on its auto insurance page.

A 2026 bill that would have required proof of insurance or financial responsibility to register a vehicle, H.B. 1558, was found inexpedient to legislate on Feb. 19, 2026, so the rules above haven’t changed.

How to Lower Your Car Insurance Rate in New Hampshire

1. Quote several insurers. Among the five major insurers we compared in New Hampshire, the lowest and highest averages are about $81 a month apart for the same driver and car.
2. Compare GEICO and Progressive first. They have the two lowest full-coverage averages among the five major insurers we compared in New Hampshire, about $112 and $114 a month.
3. Think twice before going without insurance. If you cause a crash with injuries or more than $1,000 in damage while uninsured, New Hampshire can suspend your license and registration until you post security, according to the DMV, and then require an SR-22 for at least three years.
4. Use your medical payments coverage. Every New Hampshire policy includes at least $1,000 per person, and you can send crash-related medical bills to it, your health insurance or both, though you can’t be paid twice, under RSA 264:16.
5. New to New Hampshire? You have 60 days after moving in to register your vehicles and get a New Hampshire driver’s license, according to the DMV, so compare quotes before you register.
6. Check the state’s premium comparisons. The New Hampshire Insurance Department publishes sample premiums from the top 35 auto insurers in nine territories. Its drivers and coverage differ from ours, so use it to see the spread, then compare quotes for your own car.
7. Compare at every renewal. Over the past nine months, State Farm has cut its statewide average 9.8% and Progressive 1.4%, while Concord Group has raised its average 14.5%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
9. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check New Hampshire home insurance rates and our home insurance guides for Manchester and Nashua, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.

Compare New Hampshire Car Insurance Quotes

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Free to check for any NH ZIP

How We Calculated New Hampshire Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 400 full-coverage premiums from five insurers across 80 New Hampshire ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/25 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. A New Hampshire policy must include at least 25/50/25 liability, uninsured motorist coverage at matching limits and $1,000 of medical payments coverage, but the rate data doesn’t list medical payments coverage for our liability-only package, so we label it liability only rather than a state minimum.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 New Hampshire rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from New Hampshire law and the New Hampshire Division of Motor Vehicles. We refresh these figures when new rate data is released.

More New Hampshire Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

New Hampshire Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure in all 10 counties, and a sedan is the most expensive in five of them. A sedan costs about 39% more than an SUV on average.

New Hampshire Car Insurance FAQ

• About the Author
• Latest Posts

Michael Giusti( Senior Auto & Home Insurance Analyst & Contributor )

Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.

www.insurancethoughtleadership.com/michael-giusti

• FIFA World Cup 2026 Insurance Explained: Travel, Stadium, and Liability Coverage
• Summer Travel & Hosting Insurance Guide (2026)
• What Is Insurance Fraud? Types, Examples and How to Protect Yourself
• The Ultimate “I Do” Guide to Wedding Insurance in 2026
• How International Conflict Can Affect Travel, Home and Auto Insurance Costs