For a 40-year-old driver with a clean record, car insurance in Nashua, NH, averages about $151 a month ($1,810 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 5% above the New Hampshire average of $144 a month. 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 $111 and $114 a month.
Nashua is the ninth-most expensive of the 72 New Hampshire cities and towns in our city table: our benchmark driver pays about $151 a month for full coverage, about $7 a month more than the New Hampshire average but about $10 a month less than in Manchester, about 16 miles north.
Our data covers four ZIP codes with a Nashua mailing address, from about $148 a month in 03064 to $155 in 03060, so start with your own ZIP code when you compare auto insurance quotes in Nashua, NH.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Nashua ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.
How Much Is Car Insurance in Nashua, NH?
Car insurance in Nashua, NH, costs about $151 a month ($1,810 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/25 limits averages $681 a year ($57 a month), and 50/100/50 liability with comprehensive and collision averages $1,767 ($147 a month).
- Full coverage (100/300/100, $500 deductibles): $1,810 a year ($151 a month)
- 50/100/50 with $500 deductibles: $1,767 a year ($147 a month)
- Liability only (25/50/25): $681 a year ($57 a month)
- Hillsborough County: $1,799 a year ($150 a month) for full coverage
- New Hampshire average: $1,728 a year ($144 a month) for full coverage
- ZIP code range: $148 (03064) to $155 (03060) a month for full coverage
Cheapest Car Insurance Companies in Nashua, NH
- Lowest averages among the five major insurers we compared, full coverage: GEICO and Progressive, effectively tied at about $111 and $114 a month.
- Next lowest among these five insurers: Concord Group at $160, then State Farm at $168.
- Lowest liability-only average among these five insurers (25/50/25): Progressive, at about $32 a month, then GEICO at $43.
- 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 $202 a month, $1,088 a year more than GEICO for the same driver and car.
GEICO and Progressive are effectively tied for the lowest full-coverage average among the five insurers in our Nashua rate data. 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. In our Nashua table, The Hanover*, priced from those studies and scaled to our benchmark driver, comes in at about $86 a month, below these five insurers; we don’t name it because it leads only one of the seven studies. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among these five insurers, at about $32 a month, followed by GEICO at $43. Liability-only coverage costs less, at about $19 and $25 a month, from The Hanover* and MMG Insurance*, which we price from published rate studies and don’t rank.
Full-coverage averages by insurer in Nashua
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/25 (Yearly): | Liability Only 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $518 | $43 | $1,335 | $111 |
| Progressive | $389 | $32 | $1,370 | $114 |
| Concord Group | $602 | $50 | $1,915 | $160 |
| State Farm | $819 | $68 | $2,010 | $168 |
| Allstate | $1,076 | $90 | $2,423 | $202 |
| USAA (military families)* | $352 | $29 | $956 | $80 |
| The Hanover* | $222 | $19 | $1,028 | $86 |
| Nationwide* | $705 | $59 | $1,461 | $122 |
| MMG Insurance* | $295 | $25 | $1,523 | $127 |
| Nashua average | $681 | $57 | $1,810 | $151 |
This table uses Nashua ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Nashua Car Insurance Rates by ZIP Code
Across the four Nashua ZIP codes we price, full coverage for our driver ranges from about $148 a month in 03064 to $155 in 03060, a gap of $86 a year. 03064, on the north side, is the least expensive Nashua ZIP code we price, and 03060, on the south side, the most expensive. 03063, on the northwest side, averages about $149 a month and 03062, on the southwest side, $152.
Lowest-priced Nashua ZIP codes
Highest-priced Nashua ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Nashua’s average.
| ZIP Code: | Liability Only 25/50/25 (Yearly): | Liability Only 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 03060 | $691 | $58 | $1,859 | $155 | +3% |
| 03062 | $679 | $57 | $1,818 | $152 | +1% |
| 03063 | $679 | $57 | $1,791 | $149 | -1% |
| 03064 | $674 | $56 | $1,773 | $148 | -2% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Nashua?
Raising liability limits from 50/100/50 to 100/300/100 adds only about $43 a year on average in our Nashua data, with the same $500 deductibles. 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.
Is Car Insurance Going Up in Nashua?
Not by much, for our benchmark driver. Comparing the same insurers in the same Nashua ZIP codes, full coverage averaged $1,809 a year 10 months earlier and $1,810 in rates as of Sept. 30, 2026, a 0.1% increase. State Farm cut its Nashua average 9.5% and Progressive 1.7%, while Concord Group raised its average 14.5%; Allstate’s and GEICO’s averages were unchanged. Rates for liability-only coverage at 25/50/25 limits were roughly flat.
What Shapes Car Insurance Costs in Nashua
Hillsborough County averages about $150 a month for full coverage, the most expensive of New Hampshire’s 10 counties in our data, and Nashua costs about the same as the county as a whole. Hudson, just east across the Merrimack River, averages a little more, about $154 a month, while Hollis, to the west, averages $147, Litchfield $145 and Merrimack, to the north, $144.
Across the state line, our Lowell car insurance guide puts Lowell, Mass., about 12 miles southeast, at about $203 a month in our Massachusetts rate data, about $52 more than Nashua for the same driver and car. New Hampshire insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Nashua Car Insurance Compares With Other New Hampshire Cities
More New Hampshire cities and towns are in the New Hampshire rates by city table, and you can compare states on our car insurance rates by state page.
Manchester, about 16 miles north, averages $161 a month, and Derry, about 11 miles northeast, $153. Concord, farther north, averages $138. For the statewide picture, see our guide to New Hampshire car insurance rates.
Is Car Insurance Required in Nashua, NH?
Nashua drivers follow New Hampshire’s rules: most drivers aren’t required to buy car insurance, according to the Division of Motor Vehicles, but if you’re uninsured and at fault in a crash with injuries or more than $1,000 in damage, the state can suspend your license until you post security. If you buy a policy, it must include at least:
- Liability coverage of $25,000 per person and $50,000 per crash for injuries and $25,000 for property damage (25/50/25)
- Uninsured motorist coverage at least equal to those limits, rising to match any higher liability limits you choose
- Medical payments coverage of at least $1,000 per person for the driver and passengers
Our Nashua liability-only price, about $57 a month against $151 for full coverage, uses 25/50/25 limits with 25/50 uninsured motorist coverage; the rate data doesn’t list medical payments coverage for that package. Our New Hampshire requirements guide covers SR-22 filings, crash reports and how fault works.
How to Lower Your Car Insurance Rate in Nashua
- Compare GEICO and Progressive first. They have the two lowest full-coverage averages among the five major insurers we compared in Nashua, about $111 and $114 a month.
- Quote several insurers. Among the five major insurers we compared in Nashua, the lowest and highest averages are about $91 a month apart for the same driver and car.
- 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.
- Compare at every renewal. Over the past 10 months, State Farm has cut its Nashua average 9.5% and Progressive 1.7%, while Concord Group has raised its average 14.5%, so the order in our table can shift.
- 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 car insurance 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 your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Nashua, then compare free home insurance quotes.
Ready to compare
How We Calculated Nashua 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 Sept. 30, 2026.
- Sample: 20 full-coverage premiums from five insurers across four Nashua 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 Sept. 30, 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.
Nashua Car Insurance FAQ
Car insurance in Nashua, NH, costs about $151 a month ($1,810 a year) for full coverage and about $57 a month for liability-only coverage at 25/50/25 limits, for our benchmark driver, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is 5% above the New Hampshire average of $144 a month.
GEICO and Progressive are effectively tied for the lowest full-coverage average among the five major insurers we compared in Nashua, at about $111 and $114 a month. Concord Group is next among the five major insurers we compared, at $160. The Hanover*, which we price from published rate studies and don’t rank, comes in lower for full coverage, at about $86 a month. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among the five major insurers we compared, at about $32 a month. The Hanover* and MMG Insurance*, which we price from published rate studies and don’t rank, come in lower for liability-only coverage, at about $19 and $25 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Nashua full coverage averages about $151 a month and Lowell, Mass., about $203 in our Massachusetts rate data, a difference of about $52 a month for the same driver and car. Each state’s insurers and rules differ, so compare quotes for the address where your car is kept.
In our data, 03064 has the lowest full-coverage average in Nashua, at about $148 a month, and 03060 the highest, at about $155. The ZIP code table on this page lists all four.
In our Nashua data, full coverage (100/300/100 with $500 deductibles) averages about $151 a month and liability-only coverage at 25/50/25 limits about $57, a difference of about $94 a month ($1,129 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. New Hampshire law doesn’t require full coverage, but a lender or leasing company may.
Most New Hampshire drivers, including those in Nashua, aren’t required to buy car insurance, according to the DMV. But if you’re uninsured and at fault in a crash with injuries or more than $1,000 in damage, the state can suspend your license until you post security, and you may need an SR-22 for at least three years. Any policy you buy must include 25/50/25 liability, uninsured motorist coverage at matching limits and at least $1,000 of medical payments coverage.
Not by much, for our benchmark driver. Comparing the same insurers and ZIP codes, Nashua full coverage rose 0.1% over the past 10 months, from about $1,809 to $1,810 a year. State Farm cut its Nashua average 9.5% and Progressive 1.7%, while Concord Group raised its average 14.5%. Liability-only coverage at 25/50/25 limits was about unchanged.
For our benchmark driver, full coverage in Nashua averages about $151 a month. Nearby, Derry averages about $153, Manchester about $161 and Concord about $138. Concord is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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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.
