Cheapest auto insurance in New Hampshire for 2021

 From the Atlantic Ocean to Lake Winnipesaukee, Hampton Beach State Park to the White Mountain National Forest, New Hampshire has some of the most beautiful scenery in the country. With so much natural beauty to enjoy, it's no surprise that the Granite State's 16,000 miles of roads attract 1.2 million licenced drivers.

Cheapest auto insurance in New Hampshire for 2021

However, before hitting the road, New Hampshire drivers should consider purchasing an auto insurance policy. Although car insurance is not legally required in New Hampshire, it may be a wise investment. Car insurance protects not only other drivers on the road, but also your finances if you cause an accident. In New Hampshire, the average cost of car insurance is $389 per year for minimum coverage and $1,275 per year for full coverage. Despite the fact that rates are lower than the national average, you may still be looking for New Hampshire cheap car insurance. Bankrate's research may be able to assist.

Cheapest auto insurance in New Hampshire

New Hampshire is the only state in the country that does not require residents to have car insurance. However, most residents will most likely purchase a policy in order to comply with the state's financial responsibility law.

If you are looking for the cheapest car insurance in New Hampshire, we obtained average premium information from Quadrant Information Services for the largest car insurance companies based on market share. If you're looking for the cheapest car insurance in New Hampshire, the companies listed below might be a good place to start:


USAA offers a variety of insurance products to military personnel, veterans, and their families. If you qualify for coverage, you may be able to obtain average premiums that are significantly lower than the state average in New Hampshire. Aside from low average premiums, USAA offers a plethora of discounts for drivers, such as good student, safe driving, driver training, and customer loyalty. Despite the fact that the company is ineligible for official ranking due to eligibility restrictions, USAA received the highest score in the New England region in the 2020 U.S. Auto Insurance Study, which is based on customer satisfaction in five key areas of interaction, including billing, claims, and price.


Amica received New England's highest official score. If you want low-cost coverage with excellent customer service but do not qualify for USAA, Amica may be a good option. Roadside assistance, rental reimbursement, accident forgiveness, and loan/lease payoff coverage are all available from the company. You could also save money by taking advantage of the company's numerous discounts, such as the homeownership discount, accident-free discount, and multi-policy discount. Amica also offers dividend policies, which may reimburse you for a portion of your premium each year.

State Farm

State Farm may be the most recognisable name on our list because it is the largest car insurance company in the country, with over 16 percent of the market share. State Farm could be a good choice if you're looking for a company that provides personalised service. The company has agents all over New Hampshire who may be able to assist you. State Farm also has two safe driving programmes for adults: Drive Safe and Save and Steer Clear for drivers under the age of 25. Both programmes may assist you in saving money while also improving your driving habits.


Geico's premiums are not the lowest on our list, but the company has one of the most comprehensive discounts lists in the industry. You could save money if your vehicle has certain safety features, you are a member of the military, a federal employee, you wear your seatbelt, or you belong to an affiliated organisation. Geico could be a good choice if you're looking for a company with strong digital tools. The company's mobile app is highly rated in both the App Store and Google Play, and it allows you to manage your policy directly from your phone.


Although Allstate's average premiums are higher than the state average, the company may still be a good choice if you want a highly customizable policy. You can add coverages like sound system equipment protection, ridesharing coverage, roadside assistance, and rental reimbursement with Allstate. You may be able to reduce your premium by taking advantage of the company's discounts, such as the Drivewise telematics programme. Other discounts include, among other things, vehicle safety features, a new car, and payment in full.

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