Best Car Insurance in New Hampshire for 2025 [Compare the Top 10 Companies]
Finding the best car insurance in New Hampshire is simple with top providers like Geico, Travelers, and Progressive offering competitive rates. Geico leads with affordable premiums starting around $95/month, Travelers provides excellent coverage options, and Progressive offers great discounts for safe drivers.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Apr 10, 2025
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Company Facts
Full Coverage in New Hampshire
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in New Hampshire
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in New Hampshire
A.M. Best Rating
Complaint Level
Pros & Cons
If you need car insurance in New Hampshire, Geico, Travelers, and Progressive are solid choices. Geico is great for reducing costs, making it a go-to for budget-conscious drivers. Travelers give you flexible coverage, which is helpful if your driving record isn’t spotless. And if you’re all about discounts and customization, Progressive is worth a look.
Geico is a top pick for saving money without skimping on coverage. If flexibility is what you’re after, Progressive has options that fit how much you drive and what insurance coverage you need.
Our Top 10 Company Picks: Best Car Insurance in New Hampshire
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ National Coverage Geico
#2 13% A++ Unique perks Travelers
#3 10% A+ Competitive Rates Progressive
#4 25% A+ Bundling benefits Allstate
#5 17% B Excellent service State Farm
#6 25% A Coverage variety American Family
#7 20% A Claim satisfaction Farmers
#8 25% A Customizable policies Liberty Mutual
#9 20% A+ Deductible rewards Nationwide
#10 10% A++ Military benefits USAA
Our free online comparison tool allows you to compare cheap car insurance instantly quotes — enter your ZIP code to get started.
- The best car insurance in New Hampshire offers affordable rates and flexible coverage options
- Discounts and tailored policies are available for drivers with different needs in New Hampshire
- Geico is a top pick for its budget-friendly rates and solid coverage
#1 – Geico: Best for Low Rates
Pros
- Affordable Rates: Geico offers some of the lowest premiums for the best car insurance in New Hampshire, perfect for budget-conscious drivers.
- Multiple Discounts: Geico provides discounts for drivers in New Hampshire, helping you save more on the best car insurance.
- Easy Online Management: Geico’s user-friendly website makes managing your car insurance in New Hampshire simple and convenient.
Cons
- Average Claims Experience: Geico may not offer the fastest claims processing for car insurance in New Hampshire.
- Limited Local Agents: Geico has fewer in-person agents, which may be inconvenient for those looking for direct assistance in New Hampshire.
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#2 – Travelers: Best for Flexible Coverage
Pros
- Flexible Coverage: Travelers gives you plenty of options, making it a solid choice for car insurance with telematics.
- Discounts Galore: Save your premiums with discounts like safe driver perks and multi-policy bundles.
- Great Support: Travelers is known for its reliable customer service, so you’ll have support when needed.
Cons
- Higher Rates: Travelers may not always be the most budget-friendly option in New Hampshire.
- Slow Claims: The claims process can take longer than you’d like, which can be a hassle.
#3 – Progressive: Best for Customizable Coverage 
Pros
- Affordable Options: Progressive’s Name Your Price tool helps you find a plan that fits your budget without stress.
- Great Discounts: Bundling your auto, home, and renters insurance can greatly reduce your costs.
- Easy-to-Use Tech: Their app and website are super simple, making it easy to manage everything from claims to updates on the go.
Cons
- Rates Can Be High: The rates might be steep if you’ve had a few incidents or have less-than-ideal credit.
- Limited In-Person Support: Progressive car insurance focuses on online service, so this might not be the best fit if you prefer face-to-face interactions with agents.
#4 – Allstate: Best for Comprehensive Policy Features
Pros
- Plenty of Options: Allstate car insurance review offers different plans, so it’s easier to find one that works for you in New Hampshire.
- Nice Discounts: You can save with things like bundling policies or rewards for being a safe driver.
- Easy Support: If you need help, Allstate’s customer service makes things smoother when needed./li>
Cons
- Bit Expensive: Allstate might be more costly than other options, so it may not be the best choice for everyone.
- Can Take Time: Some customers mentioned that settling claims can take longer than expected.
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#5 – State Farm: Best for Customer Satisfaction
Pros
- Solid Coverage: State Farm offers excellent car insurance in New Hampshire with plenty of options.
- Discounts Galore: Save money by bundling policies or earning rewards for being a safe driver.
- A Lot of Trusts: Drivers in New Hampshire stick with State Farm car insurance review because it’s known for reliable service
Cons
- Could Be Costly: State Farm’s rates might be higher than other options, which can be challenging if you try to keep costs down.
- Claims Can Be Slow: The claims process isn’t always the fastest, and some people have found settling things takes longer than expected.
#6 – American Family: Best for Discounts and Bundling
Pros
- Good Coverage: American Family offers general car insurance in New Hampshire, with options for different needs.
- Discounts to Save: Bundle your policies or earn safe driving rewards to save on your premiums.
- Reliable Service: People trust the American Family for dependable customer service in New Hampshire.
Cons
- Rates Can Be Higher: American Family’s premiums might be higher than other options for the best insurance in New Hampshire.
- Claims Can Take Time: The claims process isn’t always the quickest, which can be a hassle when hurrying to get things sorted.
#7 – Farmers: Best for Extensive Coverage Options

Pros
- Plenty of Coverage Choices: Farmers car insurance review offers many car insurance options in New Hampshire, making finding the right fit easier.
- Easy Ways to Save: Bundle policies, drive safely, or own a newer car to score discounts on Farmers’ insurance.
- Helpful Customer Service: Farmers has a solid reputation for support, making the whole insurance experience smoother.
Cons
- Can Be Pricey: Farmers’ rates tend to run higher than other car insurance options in New Hampshire.
- Claims Might Drag: Some drivers say the claims process takes longer than they’d like, which can be frustrating.
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#8 – Liberty Mutual: Best for Unique Policy Perks
Pros
- Coverage Your Way: Liberty Mutual lets you build a car insurance plan that fits your needs in New Hampshire.
- Plenty of Discounts: Bundle policies or use their app to earn safe driving rewards and save on your premium. You can learn more in our Liberty Mutual car insurance review.
- Reliable Service: Many drivers trust Liberty Mutual for its solid customer support and dependable coverage.
Cons
- Can Be Pricey: Liberty Mutual’s rates are higher than those of some competitors, which might not work for every budget.
- Claims Can Take a While: Some customers say the claims process moves slower than they’d like.
#9 – Nationwide: Best for Policy Flexibility
Pros
- Flexible Coverage: Nationwide gives you plenty of options for the best car in New Hampshire, so you can choose what fits your needs.
- Customizable Policies: Nationwide offers flexible policy options tailored to Chevrolet Blazers. Discover everything in our Nationwide car insurance review to learn more.
- Excellent Customer Support: Known for friendly service, Nationwide is a trusted choice for the best car.
Cons
- Can Be Pricey: Some people find Nationwide’s rates a bit higher than other options for the best car.
- Claims Can Take Time: A few drivers have mentioned that the claims process can be slower than expected and frustrating when you need quick help.
#10 – USAA: Best for Military Members and Their Families
Pros
- Great Rates for Military Families: USAA offers some of the best rates, especially for military families.
- Helpful Customer Service: Their team is friendly and always ready to assist when you need help.
- Flexible Coverage: USAA makes it easy to adjust coverage to fit your needs, whether for automobile, home, or renters insurance.
Cons
- Exclusive to Military Families: USAA is only available to military members, veterans, and their families. For additional insights, read our USAA car insurance review
- Limited Availability: Some states don’t offer complete coverage options, so checking what’s available in your area is a good idea.
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New Hampshire Auto Insurance Rate Comparison
Shopping for car insurance in New Hampshire doesn’t have to be a headache. With so many options, figuring out where to start can be challenging. We’ve made it easier by pulling together monthly rates from top providers at different coverage levels. Whether you’re looking for just the basics or something more complete, this guide gives you the info you need to find the right fit for your car and your budget.
New Hampshire Car Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$53 | $128 | |
$32 | $78 | |
$38 | $93 | |
$21 | $50 | |
$81 | $198 | |
$32 | $77 | |
$26 | $63 | |
$24 | $59 | |
$28 | $69 | |
$17 | $41 |
Picking the right car insurance is key to feeling secure on the road. By comparing rates from New Hampshire’s top providers, you can find a policy that checks all the boxes: good coverage, fair prices, and peace of mind. Take a minute to explore your options and see which one works best for you.
Geico makes it easy to save on insurance without the hassle. Their rates are affordable, and they offer various coverage options to fit different needs. Whether you’re driving to work or hitting the road for a weekend trip, they’ve got plans that work for your lifestyle.
Geico stands out as the best choice in New Hampshire, backed by outstanding coverage and a substantial 95% customer satisfaction rating.Brad Larson Licensed Insurance Agent
What sets Geico apart is how easy they make everything. Need a quote, want to manage your policy, or file a car insurance claim? Managing everything with Geico is a breeze. Their website and app make it easy to get quotes, update your policy, or file a claim in just a few taps—no waiting, no confusion.
If you need assistance, their support team is ready to help. It’s all simple and stress-free. With Geico, you can focus on what matters and leave the insurance worries behind.
The Best Car Insurance Discounts in New Hampshire
Are you looking to save on car insurance in New Hampshire? Whether you’re a safe driver, a student, or just trying to cut costs, some great discounts await you. The best providers in NH have deals that make affordable coverage more manageable.
Car Insurance Discounts From the Top Providers in New Hampshire
Insurance Company | Available Discounts |
---|---|
Early Signing, Multi-Policy, Anti-Theft, Responsible Payer, New Car | |
Early-Bird, Loyalty, Auto Safety Equipment, Multi-Policy, Good Student | |
Signal, Multi-Policy, Good Student, Homeownership, New Car | |
Defensive Driving, Military, Multi-Policy, Vehicle Safety, Good Driver | |
RightTrack, Multi-Policy, Paperless, New Graduate, Vehicle Safety | |
SmartRide, Accident-Free, Multi-Policy, Paperless, Defensive Driving | |
Safe Driver, Snapshot, Multi-Policy, Continuous Insurance, Teen Driver | |
Steer Clear, Good Student, Defensive Driving, Multi-Policy, Accident-Free | |
Multi-Policy, Homeownership, New Car, Safe Driver, Early Quote | |
Military, Safe Driver, Defensive Driving, New Vehicle, Multi-Policy |
Why pay more for car insurance when you can get a better deal? Take a moment to check out the top discounts in NH and start saving today. It’s simple, it’s easy, and it’s time to drive smarter!
New Hampshire Car Insurance Rates at a Glance
Car insurance rates in New Hampshire aren’t fixed. They depend on your driving history, where you live, and the type of coverage you choose. Knowing how these factors affect your premium can help you find a policy that works for your budget while offering the protection you need. This breakdown gives you a look at the latest rate trends so you can see what other drivers are paying and find ways to keep your costs down.
New Hampshire Report Card: Car Insurance Premiums
Category | Grade | Explanation |
---|---|---|
Weather-Related Risks | B | Winter weather can cause hazardous driving conditions |
Traffic Density | B+ | Moderate congestion in cities, but less in rural areas |
Vehicle Theft Rate | C+ | Theft rates are slightly above average, mainly in urban areas |
Uninsured Drivers Rate | D | High rate of uninsured drivers, leading to higher premiums |
Auto insurance is necessary, but that doesn’t mean you have to overpay. By knowing the average rates in New Hampshire, you can shop smarter and take advantage of discounts to lower your costs. Compare your options, review different coverage levels, and make an informed decision that fits your budget and needs.
Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.
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Frequently Asked Questions
What Happens if You Drive Without Insurance in West Virginia?
A first offense for driving without insurance in West Virginia can lead to fines, license suspension, and potential reinstatement fees.
What Does a 100/300/50 Insurance Policy Cover?
This policy provides coverage for bodily injury up to $100,000 per person, $300,000 per accident, and $50,000 for property damage.
How Do I Get an Auto Insurance Quote in New Hampshire?
You can request insurance quotes online, through insurance agents, or by contacting providers for personalized rates.
Which Car Insurance Companies Operate in New Hampshire?
Major providers in New Hampshire include Allstate, Amica, Geico, Liberty Mutual, and Progressive.
Is AAA Auto Insurance Available in New Hampshire?
AAA offers auto insurance in New Hampshire, roadside assistance, and other benefits.
Do You Need Car Insurance in New Hampshire?
Unlike most states, New Hampshire doesn’t require car insurance, but you must show financial responsibility if you’re involved in a car accident.
How Can Seniors Get AARP Vehicle Insurance Quotes?
AARP partners with Hartford to provide vehicle insurance for seniors, offering specialized discounts and benefits.
Are New Cars More Expensive to Insure?
Generally, yes. Newer cars may have higher repair costs and advanced safety features that impact insurance rates.
How Much Does Car Insurance Cost in New Hampshire?
Car insurance in New Hampshire costs less than the national general average, but rates depend on factors like driving history and vehicle type.
Does New Hampshire Require Motorcycle or ATV Insurance?
While not legally required, having insurance for motorcycles and ATVs is highly recommended for financial protection.
Is New Hampshire a No-Fault State for Car Insurance?
No, New Hampshire follows a fault-based system, requiring the at-fault driver to cover damages.
How Can I Find Affordable Car Insurance in New Hampshire?
Shopping around, bundling policies, Keeping a clean driving record, and using available discounts can help reduce costs and lead to cheap coverage car insurance.
What Are the Penalties for Driving Without Insurance in New Hampshire?
While insurance isn’t mandatory, drivers found at fault in an accident without financial responsibility may face license suspension and fines. Enter your ZIP code to see more details.
What Is the Cheapest Car Insurance in New Hampshire?
Companies like Geico, Progressive, and Amica often offer some of the lowest rates, but the best option depends on individual circumstances.
What Discounts Are Available for Auto Insurance in New Hampshire?
Standard discounts include good driver, multi-policy, bundling, and vehicle safety feature discounts. To understand these more deeply, check out our car insurance by vehicle archives.