Drivers without insurance in N.H. must pay for damages out of pocket after an accident.

 

New Hampshire offers a huge amount of personal and economic freedom to its residents. For one thing, New Hampshire car insurance actually isn’t required. That doesn’t mean drivers aren’t responsible for the accidents they cause, though.

In this article, we’ll talk about what car insurance looks like in the Granite State and why you might want to have it. We’ll also look at the five best New Hampshire car insurance providers. Some of these providers are featured on our rankings of the best car insurance companies in the U.S., while some are local to New Hampshire. In either case, we only recommend companies that perform well across multiple categories like price, availability, coverage options, customer service, and financial strength.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers to ensure you’re getting the best rates.

Use our tool below or give our team a call at (855) 518-0148 to get free, personalized quotes seven days a week.

 
 

In this article:

5 Best New Hampshire Car Insurance Providers

 

Best New Hampshire Car Insurance Motor1 Rating Customer Service Affordability Coverage

1. Geico Car Insurance

4.5

4.0

4.0

4.0

2. Concord Group Insurance

4.0 4.0 4.0 4.5

3. Progressive Car Insurance 

4.5

3.5

3.5

4.0

4. State Farm Car Insurance

4.5

3.5

4.0

4.0

5. USAA Car insurance

5.0

5.0

4.5

4.5

 

*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for New Hampshire car insurance.


 

Geico Insurance logo

#1 Geico Car Insurance

For many drivers, Geico is the cheapest car insurance in New Hampshire. Whether you go for minimum or full coverage, insurance from Geico tends to be a very affordable option. 

The insurance provider has an A+ financial rating from AM Best, and it performed better than the industry average on J.D. Power’s Auto Claims Satisfaction Study. That means many people were happy with the service they received after filing a claim. It’s never fun to have to file an insurance claim, so we always like to see when companies try to make that process better.

Geico’s mobile app has high ratings and makes it easy to file a claim, manage your bill, and view your ID card. The app also has an AI assistant named Kate who can help you with different tasks or provide information.

With Geico, you can get the standard types of insurance coverage you can find from any provider:

You can also get the following extra options with a New Hampshire car insurance policy:

  • Roadside assistance: Covers lockout services, jump-starts, spare tire installation, fuel delivery, and towing
  • Rental coverage: Reimburses you up to the limits you choose for a rental car after a claim, or pays Enterprise directly if you use that company
  • Mechanical breakdown insurance: Covers mechanical parts on your car from failure for a specific time/mileage similar to an extended auto warranty

Here are the discounts that you can get with Geico:

  • Air Bag
  • Anti-Lock Brakes
  • Anti-Theft System
  • Daytime Running Lights
  • New Vehicle Discount
  • Good Driver
  • Seat Belt Use
  • Defensive Driving
  • Driver's Education Course
  • Good Student
  • Emergency Deployment
  • Federal Employee (Eagle)
  • Membership & Employee
  • Military
  • Multi-Vehicle
  • Multi-Policy
Pros Cons
A+ rating from the BBB and A++ financial strength rating from AM Best Average quotes experience
Many choices for coverage  
High level of customer satisfaction  
Available in 50 states  

To learn more about the car insurance provider, check out our review of Geico.

 


 

Concord Group Insurance logo

#2 Concord Group Insurance

We chose Concord Group as our second pick for New Hampshire auto insurance. The company only works through independent agents, so you’ll have to get a quote through a phone call or an office visit. It’s not rated by J.D. Power, but that’s because the insurance company is fairly small compared to national providers. According to NH.gov, Concord’s policies accounted for 3.5 percent of the state market in 2018, though, which is a good portion for the state.

The Concord Group has an A rating for financial strength from AM Best. That means the company can respond to claims and manage its policies efficiently, and that its balance sheet is strong. That’s especially good to see in a smaller company. The Concord Group also has an A+ rating with accreditation from the BBB. Additionally, we like Concord because many New Hampshire drivers find cheap insurance quotes with the company.

As far as coverage goes, you can get the standard car insurance options mentioned above. You can also get these extras with the Concord Group:

  • Roadside assistance: Covers towing, jump-starts, spare tire installation, and mechanical labor
  • New car replacement: Pays for a new model car if your new car is totaled within 12 or 24 months of purchase (depending on the plan)
  • Accident forgiveness: No increase in premium after your first accident
  • Loan lease/gap: Covers the difference between what you have left to pay on your loan and the market value of your car at the time of a total loss
  • Redi-Paycheck: Reimburses lost wages up to $15,000 after an accident
  • Personal auto coverage enhancements: Adds 12-month new car replacement and reimbursement for lost wages from time spent in court
  • Personal auto coverage enhancements+: Adds 24-month new car replacement, glass coverage with no deductible, and waiver of collision deductible

Finally, here are a few discounts offered by the Concord Group that can help you save on car insurance in New Hampshire:

  • Multi-Policy Account Credit
  • Advance Quote
  • Good Student Credit
  • E-Document Delivery
Pros Cons
Affordability

Only work through independent agents

Financial strength

Small compared to national providers

Good add-on options

 

Several discounts

 


 

Progressive Insurance logo

#3 Progressive Car Insurance

We also recommend Progressive when it comes to covering car insurance in New Hampshire. Progressive is on of the top car insurance providers in the U.S. and was awarded an A+ rating from AM Best, which means it has superior financial ability to meet insurance claims. In 2018 alone, Progressive wrote over $27 billion in insurance premiums, according to the National Association of Insurance Commissioners (NAIC). The company also received a J.D. Power Claims Servicing Score of 3.0 out of 5.0.

As one of the largest insurance providers, the company offers a number of different coverage options. On top of the standards types of car insurance, Progressive also offers:

  • Roadside assistance
  • Loan/lease payoff
  • Rental car reimbursement
  • Custom parts and equipment value
  • Rideshare coverage

Progressive also offers many money-saving features, including:

Pros Cons
One of the top auto insurers in the United States Average claims process
A+ financial strength rating from the AM Best Mixed customer service reviews
Great choice for high-risk drivers  
Several money-saving features  

To learn more about the car insurance provider, check out our review of Progressive car insurance.

 


 

State Farm Insurance logo

#4 State Farm Car Insurance

Our fourth choice for car insurance in New Hampshire is State Farm Insurance. We recommend State Farm if you are looking to bundle your car insurance policy with life or home insurance to save money. The company also offers insurance for motorcycles, boats, ATVs, motorhomes, and more.

State Farm offers a good selection of discounts, which is very appealing for budget-conscious drivers. Discounts include: 

  • Safe driving discounts: You can get discounts for having a clean driving record, no accidents or moving violations for three years, completing a defensive driving course, putting your kids through driver’s ed, and being a good student away at school.
  • Safe vehicle discounts: With State Farm, you can get discounts for having a modern vehicle with safety features and anti-theft mechanisms. However, at a certain point, high-tech safety features may cost more to repair and can increase overall rates.
  • Loyalty discounts: You can also get up to 20 percent off by insuring multiple vehicles, and 17 percent off by bundling auto with another policy like homeowners insurance or life insurance.

State Farm insurance reviews are also largely positive. Overall, State Farm car insurance customers are happy with their coverage and enjoy affordable rates.

Pros Cons
Comprehensive coverage offerings Reported errors with autopay
Extensive selection of discounts  
Positive customer reviews  
Easy online quotes process  
A+ rating from the BBB  

To learn more about the car insurance provider, check out our review of State Farm car insurance.

 


 

USAA Insurance logo

#5 USAA Car Insurance

When lined up against other top national and New Hampshire car insurance companies, USAA was the only one that scored 5.0 out of 5.0 stars in our 2020 review. The only drawback is that USAA insurance is only available to active, retired, and separated veterans with a discharge type of “Honorable” and their eligible family members. Eligible family members include:

  • Spouses
  • Widows/widowers
  • Former spouses who joined during marriage
  • Children

USAA offers insurance to families in all 50 states. Overall, we found that USAA has affordable car insurance in New Hampshire with reliable services across the board. It received an A++ from AM Best and topped the charts of several J.D. Power studies in 2019, though it is often removed from the running due to its membership restrictions.

Pros Cons
Affordable rates and numerous discounts Only available for military and their families
Good option for military members and young drivers  
Superior financial rating from AM Best  
Nationwide availability  

To learn more about the car insurance provider, check out our review of USAA car insurance.

Enter your zip code in the easy tool below or call (855) 518-0148 to compare customized prices of New Hampshire's top car insurance providers:

 

 

New Hampshire Car Insurance Requirements

Every state has financial responsibility laws that govern how people take responsibility for accident damages. However, each state allows drivers to fulfill these laws in different ways. Some states require a low level of basic car insurance coverage, while others require multiple types of coverage with higher limits.

New Hampshire doesn’t require drivers to carry insurance. But when a driver causes an accident, they have to pay for the damages. If they can’t, their license and registration can be suspended until they compensate the accident victims.

The driver would also have to pay fines to reinstate their license and registration. And they would be required to file an SR-22 form, which would increase their car insurance cost in the future. In the end, it’s probably a good idea to carry car insurance in New Hampshire.

What Is The Cost Of Causing An Accident Without Car Insurance?

Even though New Hampshire doesn't require drivers to carry car insurance, drivers are still liable for damages that they cause. Here’s what can happen if you can’t pay for the damage after an accident according to the New Hampshire Division of Motor Vehicles.

Penalty Details

License/registration suspension

The Bureau of Financial Responsibility could suspend your driving privileges until you pay for at-fault accident damage.

Fee to restore license

You will pay $100 to restore your license after you’ve paid for damages.

Fee to restore registration

You will pay $25 after paying for damages.

SR-22 filing

After an uninsured, at-fault accident, you’ll file this form which will require you to carry insurance for the next three years.

 

At first glance, paying an extra $125 to restore your license and registration isn’t too much of a hassle. But remember, you have to pay for the repairs and medical bills of the other people in the accident. You might have to pay $10,000 or more after a serious crash.

Because of the SR-22 requirement, your rates for car insurance in New Hampshire will also go up. Filing an SR-22 form only costs a few dollars, but that form makes you a high-risk driver. Insurance companies can charge two or three times the normal rate to cover high-risk drivers. Over the next three years, you could pay an extra $3,000 or more in insurance.

Can you drive without car insurance in New Hampshire? Yes. Should you? Probably not. If you can even afford minimum coverage, you should probably carry it.

What Is The Minimum New Hampshire Car Insurance Coverage?

While you aren’t required to buy car insurance in New Hampshire, providers are required to offer a minimum amount of coverage. The minimum liability limits are 25/50/25, along with some MedPay and uninsured motorist bodily injury coverage. Here’s what that means:

  • $25,000 bodily injury per person: Covers other people's medical bills up to that amount per person after you cause an accident
  • $50,000 bodily injury per accident: The maximum coverage for other people’s medical bills per accident
  • $25,000 property damage liability: Covers car repairs for other drivers in accidents you cause
  • $1,000 in medical payments coverage (MedPay): Covers your own medical bills no matter who caused the accident
  • $25,000/$50,000 uninsured motorist coverage (bodily injury only): Covers your medical bills if someone without insurance causes an accident, however you can reject this coverage in writing

 


 

How Much Does New Hampshire Car Insurance Cost?

According to the National Association of Insurance Commissioners (NAIC), the cost of New Hampshire car insurance was $824.03 in 2017, while the national average was $1,004.68. Overall, car insurance rates in New Hampshire are lower on average than insurance in 29 other states. Here’s a breakdown of the coverage costs that year based on data from the III:

Type of Coverage Average Annual Expenditure in 2017
Liability coverage

$425.84

Collision coverage $319.72
Comprehensive coverage $115.63
Total cost $824.03
 

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

 


 

What To Know About Driving In New Hampshire

On the 23rd Annual Highway Report by the Reason Foundation, New Hampshire tied for first place for its rural interstate pavement conditions and got second place for its urban interstate pavement conditions. However, it didn’t perform as well in other areas like traffic congestion and deficient bridges, so it ranked 30th overall compared to other states.

New Hampshire drivers experienced a spike in crash fatalities in 2018. Here’s the data for the surrounding years from the III:

Year Crash Fatalities in N.H.

2017

102

2018

147

2019

99

 

Thankfully, that spike was only temporary. State officials and employees worked hard to implement safety programs that kept the spike from becoming a trend.

One reason why car insurance in New Hampshire is cheap is because people put fewer miles on their cars. According to Federal Highway Administration statistics from 2018, licensed drivers traveled 12,931 miles on average that year. That’s about 1,500 miles less than the national average. Fewer miles means fewer accidents and less money for insurance companies to pay out.

 


 

Conclusion On New Hampshire Car Insurance

While there are a number of great providers in New Hampshire, we think Geico is the best car insurance in N.H. for its combination of technology, customer service, and low prices. If you prefer a local company, you may find the best coverage with Concord Group.

Use the tool below or call (855) 518-0148 to collect and compare quotes from providers available in your state:

 
 

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