Need cheap car insurance in New Hampshire? You’re in the right place. is happy to assist you in finding inexpensive auto insurance that gives you peace of mind on the road. And luckily, New Hampshire is a state where you’ll find low rates and relatively lenient car insurance laws.

New Hampshire Car Insurance Facts

Learn the ropes for New Hampshire car insurance by checking out these fast facts before you shop for a car insurance quote:

  • New Hampshire law requires all drivers to carry liability insurance with at least the following minimums. $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage.
  • There are about 1 million drivers in New Hampshire.
  • Approximately 6.1% of drivers are uninsured in NH.
  • The average driver pays $744 for car insurance annually.
  • About 134 fatal car accidents occur in NH every year.
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New Hampshire Vehicle Code Changes:

  • No major changes to financial responsibility requirements: New Hampshire remains one of two states (alongside Virginia) not requiring mandatory car insurance. However, drivers must demonstrate financial responsibility in case of accidents. (Source: New Hampshire Revised Statutes Title 268)
  • Increased penalties for speeding: Expect harsher fines and potential driver’s license suspension for excessive speeding violations. (Source: New Hampshire Revised Statutes Title 262)
  • No major changes to distracted driving laws: Existing prohibitions on texting and holding phones while driving remain in place. (Source: New Hampshire Revised Statutes Title 234)

Remember: These are just highlights, and other changes may apply. Visit the New Hampshire Department of Motor Vehicles website for complete information. (Source: New Hampshire Department of Motor Vehicles)

Average Auto Insurance Rates in New Hampshire (2024):

(Sources: The Zebra, ValuePenguin)


Full Coverage

Minimum Coverage

State Farm












Liberty Mutual



Remember, individual car insurance costs in New Hampshire can vary significantly based on driving history, location, vehicle type, and chosen coverage. Consider factors like your financial resources and risk tolerance when making decisions about automobile insurance.

Minimum coverage for Car Insurance in New Hampshire

New Hampshire residents who drive on public roads are required to carry liability insurance that meets the following minimum rates:

  • Bodily injury: $25,000 for the death or injury of one other person and $50,000 per accident
  • Property damage: $25,000 total for death or injury of all affected people
  • Medical payments coverage: $1,000 to cover medical expenses (regardless of fault)
  • Uninsured motorist coverage: Must be equal to your liability coverage

Getting Cheap Car Insurance In New Hampshire

There are many tactics for finding cheap car insurance in New Hampshire. Check out these tips as you get quotes from car insurance providers in the state:

  1. Opt for minimum coverage: Save money by choosing minimum (rather than full) coverage in New Hampshire.
  2. Compare rates: Every provider offers different coverage and rates, so be sure to do your homework before choosing a plan.
  3. Be a defensive driver: Defensive drivers save money on auto insurance by avoiding tickets and traffic accidents.
  4. New Hampshire insurance programs: Your state may offer discounted insurance programs for service members, students, and more.

New Hampshire Car Insurance Discounts

Do you qualify for state car insurance discount programs? Get an auto insurance quote to find out!

  • Good Driver: Some drivers in New Hampshire can qualify for discounted automobile insurance by being a good driver.
  • Good Student: High school and college students may be eligible for discounts for car insurance in having good grades.

Information for Auto Insurance in New Hapmshire

What is the average auto insurance cost in New Hampshire?

New Hampshire car insurance premiums cost an average of $744 annually.

How much is car insurance per month in New Hampshire?

Residents in New Hampshire pay about $62 per month for car insurance.

What is the penalty for driving without insurance in New Hampshire?

Driving without car insurance in NH could result in fines, or drivers could have their license and registration revoked or even spend time in jail.

What is driving like in New Hampshire?

There are an average of 124 fatal car accidents in New Hampshire every year, and about 6.1% of drivers are uninsured.

How can I save money on my car insurance policy in New Hampshire?

Check out these tips to save even more on your car insurance policy:

  • Discounts when insuring several cars.  
  • Ask for discounts for students or good drivers.
  • Inquire about discounts when your car has airbags, anti-theft devices, or other features.
  • Paying in an installment plan.
  • High-deductible plans.

Other Types of Coverage For Vehicle Insurance

Minimum car insurance coverage may not be right for your needs. Consider these additional types of coverage for added security on the road:

  • Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)
  • Medical Payments Coverage
  • Physical Damage Coverage
  • Additional kinds of coverage 
  • Endorsements and Riders
    • Towing and road service
    • Rental car reimbursement 
    • Gap insurance