Find New Hampshire car insurance cost for both new and used cars by auto values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble.
When ready, see the best local and statewide car insurers.
New Hampshire’s Financial Responsibility Rule
New Hampshire New Car Insurance Costs
New Hampshire Used Car Insurance Costs
How Credit History Influences New Hampshire Car Insurance Prices
Why Financial Responsibility Limits Can Leave You Paying the Difference
What Shapes New Hampshire Rates
How New Hampshire Drivers Can Bring Their Insurance Affordable
Curious about car financing? See real New Hampshire car loan rates shared by our community. Also find New Hampshire best car loan lenders in your area (also community recommended).
New Hampshire’s Financial Responsibility Rule
New Hampshire does not require drivers to carry car insurance, but drivers must be able to show financial responsibility after a crash. This means you must prove you can pay for injuries and damage you cause.
- $25,000 for injuries to one person. This is the amount you must be able to cover for medical bills if you hurt someone.
- $50,000 for injuries to more than one person in a single crash. This is the total amount you must be able to cover for all injured people combined.
- $25,000 for property damage. This is the amount you must be able to cover to fix or replace what you damage, like another car or a building.
Uninsured and underinsured motorist coverage is optional in New Hampshire, but it can help protect you if the other driver has little or no insurance.
MFP Tip: Even though insurance is not required, carrying a policy can protect your savings if you cause a serious crash.
New Hampshire New Car Insurance Costs
Your new car insurance price depends on the value of your car, how much coverage you choose, and your credit history. New cars often cost more to insure because repairs and replacement parts are more expensive.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $111 | $129 | $141 | $227 |
| Standard | $93 | $108 | $118 | $191 | |
| Liability only | $66 | $77 | $84 | $135 | |
| $40K-$60K | Full | $94 | $109 | $119 | $192 |
| Standard | $78 | $91 | $99 | $160 | |
| Liability only | $57 | $66 | $72 | $116 | |
| $25K-$40K | Full | $82 | $95 | $104 | $168 |
| Standard | $68 | $79 | $86 | $139 | |
| Liability only | $50 | $58 | $64 | $103 | |
| Below $25K | Full | $72 | $84 | $91 | $147 |
| Standard | $59 | $69 | $75 | $121 | |
| Liability only | $44 | $51 | $56 | $90 |
New Hampshire Used Car Insurance Costs
Used cars in NH may cost less to insure, but dropping coverage for your own car can leave you paying out of pocket after a crash, a theft, or storm damage.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $84 | $98 | $106 | $172 |
| Standard | $70 | $81 | $89 | $143 | |
| Liability only | $51 | $59 | $64 | $104 | |
| $15K-$40K | Full | $70 | $81 | $89 | $143 |
| Standard | $58 | $68 | $74 | $119 | |
| Liability only | $43 | $50 | $54 | $88 | |
| Below $15K | Full | $59 | $68 | $75 | $120 |
| Standard | $48 | $56 | $61 | $98 | |
| Liability only | $36 | $42 | $46 | $75 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the financial responsibility minimums, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
How Credit History Influences New Hampshire Car Insurance Prices
In New Hampshire, insurers can use your credit history when setting your price. Drivers with strong credit often pay less, while drivers with below-fair credit usually pay much more for the same coverage.
In many cases, a driver with weak credit can pay 50 to 65 percent more than a driver with excellent credit, even if both have similar cars and clean driving records.
MFP Tip: If your credit improves, request a new quote before your renewal date. A better credit history can lead to a lower bill.
Find the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, the 10 percent test can guide your choice. If your yearly coverage cost is more than 10 percent of your car’s value, you may want to keep only liability and drop coverage for your own car.
Why Financial Responsibility Limits Can Leave You Paying the Difference
When You Damage Someone’s Property
Many vehicles on New Hampshire roads cost more than $25,000 to repair. If your coverage or financial ability runs out, the rest of the bill can fall on you.
If You Injure Someone
Medical care and missed work can push costs past $25,000 for a single person. If more than one person is hurt, the $50,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
Coverage for injuries and damage to your own car can help when the other driver has little or no insurance.
What Shapes New Hampshire Rates
New Hampshire uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Snow, ice, and coastal storms can damage vehicles and lead to claims across the state.
Traffic around Manchester, Nashua, and major routes like I-93 and I-95 raises the chance of minor crashes and repair costs.
How New Hampshire Drivers Can Bring Their Insurance Affordable
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These track how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: If you drive mostly in rural or border areas, ask about low-mileage discounts. Some insurers offer lower rates for drivers who spend less time on the road.
What to Do After Buying a Car in New Hampshire
You need insurance in place before you can register your vehicle. Dealers often submit paperwork for new cars, while private sales leave the steps to you.
Registration and title work go through the New Hampshire Division of Motor Vehicles. New residents and in-state buyers have a short window to complete the process.
Review your coverage once a year. As your car’s value drops, you may be able to adjust your policy and lower your costs.
New Hampshire Best Car Insurance
See New Hampshire best local insurers by metro areas based on community recommendations
Manchester, Nashua, Concord, Dover, Rochester, Keene, Portsmouth, Laconia
Manchester Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Manchester’s area are Eaton & Berube Insurance Agency, Davis & Towle Insurance Group and Clark-Mortenson Insurance.
Eaton & Berube Insurance Agency (88% Recommend)
- Leads Manchester with 4.7 Easy Application, 4.6 Terms & Premium Satisfaction, and 4.9 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback points to strong local guidance, clear coverage comparisons, and responsive help for drivers reviewing car insurance options.
Davis & Towle Insurance Group (85% Recommend)
- Scores 4.5 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.8 Support & Guidance, 3 Recommend % points behind Eaton & Berube Insurance Agency.
- Drivers respond well to its agency model, New Hampshire market knowledge, and help comparing price and coverage choices.
Clark-Mortenson Insurance (83% Recommend)
- Earns 4.5 Easy Application and 4.7 Support & Guidance, 2 Recommend % points below Davis & Towle Insurance Group.
- Customer feedback supports practical local help, clear explanations, and useful support comparing auto policy options.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Eaton & Berube Insurance Agency | Agency | 4.7 | 4.6 | 4.9 | 88% |
| Davis & Towle Insurance Group | Agency | 4.5 | 4.5 | 4.8 | 85% |
| Clark-Mortenson Insurance | Agency | 4.5 | 4.4 | 4.7 | 83% |
| Cross Insurance | Agency | 4.4 | 4.4 | 4.7 | 82% |
| HUB International | Broker | 4.3 | 4.4 | 4.6 | 81% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 80% |
| Amica Mutual Insurance | Insurer | 4.3 | 4.3 | 4.4 | 79% |
| Concord Group Insurance | Insurer | 4.2 | 4.4 | 4.3 | 78% |
| Auto-Owners Insurance | Insurer | 4.2 | 4.4 | 4.3 | 78% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 76% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 75% |
| Nationwide | Insurer | 4.3 | 4.0 | 4.1 | 74% |
| Travelers | Insurer | 4.1 | 4.1 | 4.0 | 73% |
| Liberty Mutual | Insurer | 4.2 | 3.9 | 4.0 | 72% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Nashua Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Nashua’s area are Eaton & Berube Insurance Agency, Davis & Towle Insurance Group and State Farm.
Eaton & Berube Insurance Agency (87% Recommend)
- Leads Nashua with 4.7 Easy Application, 4.6 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports helpful local service, clear policy comparisons, and responsive help for drivers reviewing coverage.
Davis & Towle Insurance Group (84% Recommend)
- Scores 4.5 Easy Application and 4.7 Support & Guidance, 3 Recommend % points behind Eaton & Berube Insurance Agency.
- Drivers respond well to the agency’s New Hampshire coverage knowledge and help comparing auto insurance choices.
State Farm (80% Recommend)
- Earns 4.5 Easy Application and 4.4 Support & Guidance, matching Davis & Towle Insurance Group on Easy Application while trailing by 4 Recommend % points.
- Customer feedback supports local-agent access and direct help reviewing auto coverage options.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Eaton & Berube Insurance Agency | Agency | 4.7 | 4.6 | 4.8 | 87% |
| Davis & Towle Insurance Group | Agency | 4.5 | 4.5 | 4.7 | 84% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 80% |
| Amica Mutual Insurance | Insurer | 4.3 | 4.3 | 4.4 | 79% |
| Concord Group Insurance | Insurer | 4.2 | 4.4 | 4.3 | 78% |
| Auto-Owners Insurance | Insurer | 4.2 | 4.4 | 4.3 | 78% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 76% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 75% |
| Nationwide | Insurer | 4.3 | 4.0 | 4.1 | 74% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Concord Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Concord’s area are Davis & Towle Insurance Group, Eaton & Berube Insurance Agency and Concord Group Insurance.
Davis & Towle Insurance Group (86% Recommend)
- Leads Concord with 4.6 Easy Application, 4.6 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback points to strong local guidance, clear coverage explanations, and practical help comparing auto insurance options.
Eaton & Berube Insurance Agency (83% Recommend)
- Scores 4.5 Easy Application and 4.7 Support & Guidance, 3 Recommend % points behind Davis & Towle Insurance Group.
- Drivers respond well to its agency support and help reviewing coverage choices across carriers.
Concord Group Insurance (80% Recommend)
- Earns the highest top-3 Terms & Premium Satisfaction score at 4.5, compared with 4.6 for Davis & Towle Insurance Group and 4.5 for Eaton & Berube Insurance Agency.
- Customer feedback supports New Hampshire-focused coverage and local agent-based policy support.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Davis & Towle Insurance Group | Agency | 4.6 | 4.6 | 4.8 | 86% |
| Eaton & Berube Insurance Agency | Agency | 4.5 | 4.5 | 4.7 | 83% |
| Concord Group Insurance | Insurer | 4.3 | 4.5 | 4.4 | 80% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 80% |
| Amica Mutual Insurance | Insurer | 4.3 | 4.3 | 4.4 | 79% |
| Auto-Owners Insurance | Insurer | 4.2 | 4.4 | 4.3 | 78% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 76% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 75% |
Dover Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Dover’s area are Bernier Insurance, Cross Insurance and State Farm.
Bernier Insurance (86% Recommend)
- Leads Dover with 4.6 Easy Application, 4.6 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports strong Seacoast-area service, clear coverage comparisons, and useful policy guidance.
Cross Insurance (83% Recommend)
- Scores 4.4 Easy Application and 4.7 Support & Guidance, 3 Recommend % points behind Bernier Insurance.
- Drivers respond well to its agency support and help comparing coverage and pricing options.
State Farm (80% Recommend)
- Earns 4.5 Easy Application and 4.4 Support & Guidance, beating Cross Insurance on Easy Application by 0.1 points.
- Customer feedback supports local-agent access and direct support for auto insurance questions.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Bernier Insurance | Agency | 4.6 | 4.6 | 4.8 | 86% |
| Cross Insurance | Agency | 4.4 | 4.5 | 4.7 | 83% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 80% |
| Concord Group Insurance | Insurer | 4.2 | 4.4 | 4.3 | 78% |
| Amica Mutual Insurance | Insurer | 4.3 | 4.3 | 4.4 | 78% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 76% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 75% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Rochester Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Rochester’s area are Bernier Insurance, Cross Insurance and State Farm.
Bernier Insurance (85% Recommend)
- Leads Rochester with 4.6 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports helpful local guidance, clear coverage comparisons, and responsive support for auto insurance shoppers.
Cross Insurance (82% Recommend)
- Scores 4.4 Easy Application and 4.7 Support & Guidance, 3 Recommend % points behind Bernier Insurance.
- Drivers respond well to its agency model and help reviewing price and coverage choices.
State Farm (80% Recommend)
- Earns 4.5 Easy Application and 4.4 Support & Guidance, beating Cross Insurance on Easy Application by 0.1 points.
- Customer feedback supports local-agent access and direct help with auto policy questions.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Bernier Insurance | Agency | 4.6 | 4.5 | 4.8 | 85% |
| Cross Insurance | Agency | 4.4 | 4.4 | 4.7 | 82% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 80% |
| Concord Group Insurance | Insurer | 4.2 | 4.4 | 4.3 | 78% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 76% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Keene Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Keene’s area are Clark-Mortenson Insurance, Davis & Towle Insurance Group and State Farm.
Clark-Mortenson Insurance (85% Recommend)
- Leads Keene with 4.6 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports strong local guidance, clear coverage help, and useful support comparing auto insurance options.
Davis & Towle Insurance Group (82% Recommend)
- Scores 4.4 Easy Application and 4.7 Support & Guidance, 3 Recommend % points behind Clark-Mortenson Insurance.
- Drivers respond well to its New Hampshire agency support and practical help reviewing coverage choices.
State Farm (80% Recommend)
- Earns 4.5 Easy Application and 4.4 Support & Guidance, beating Davis & Towle Insurance Group on Easy Application by 0.1 points.
- Customer feedback supports local-agent access and direct help with car insurance questions.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Clark-Mortenson Insurance | Agency | 4.6 | 4.5 | 4.8 | 85% |
| Davis & Towle Insurance Group | Agency | 4.4 | 4.4 | 4.7 | 82% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 80% |
| Concord Group Insurance | Insurer | 4.2 | 4.4 | 4.3 | 78% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 76% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Portsmouth Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Portsmouth’s area are Bernier Insurance, Cross Insurance and State Farm.
Bernier Insurance (85% Recommend)
- Leads Portsmouth with 4.6 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports strong Seacoast guidance, helpful coverage comparisons, and responsive local service.
Cross Insurance (82% Recommend)
- Scores 4.4 Easy Application and 4.7 Support & Guidance, 3 Recommend % points behind Bernier Insurance.
- Drivers respond well to its agency support and practical help comparing auto insurance choices.
State Farm (80% Recommend)
- Earns 4.5 Easy Application and 4.4 Support & Guidance, beating Cross Insurance on Easy Application by 0.1 points.
- Customer feedback supports local-agent access and direct help reviewing coverage options.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Bernier Insurance | Agency | 4.6 | 4.5 | 4.8 | 85% |
| Cross Insurance | Agency | 4.4 | 4.4 | 4.7 | 82% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 80% |
| Concord Group Insurance | Insurer | 4.2 | 4.4 | 4.3 | 78% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 76% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Laconia Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Laconia’s area are Melcher & Prescott Insurance, Davis & Towle Insurance Group and State Farm.
Melcher & Prescott Insurance (85% Recommend)
- Leads Laconia with 4.6 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports helpful Lakes Region guidance, clear coverage comparisons, and responsive local service.
Davis & Towle Insurance Group (82% Recommend)
- Scores 4.4 Easy Application and 4.7 Support & Guidance, 3 Recommend % points behind Melcher & Prescott Insurance.
- Drivers respond well to its agency support and help reviewing auto coverage choices.
State Farm (80% Recommend)
- Earns 4.5 Easy Application and 4.4 Support & Guidance, beating Davis & Towle Insurance Group on Easy Application by 0.1 points.
- Customer feedback supports local-agent access and direct support for auto insurance questions.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Melcher & Prescott Insurance | Agency | 4.6 | 4.5 | 4.8 | 85% |
| Davis & Towle Insurance Group | Agency | 4.4 | 4.4 | 4.7 | 82% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 80% |
| Concord Group Insurance | Insurer | 4.2 | 4.4 | 4.3 | 78% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 76% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
End Note
Meeting financial responsibility rules keeps you driving, but winter conditions, border traffic, and uninsured drivers can lead to bills that go beyond those limits.
Match your coverage to what you own and what a real crash can cost in New Hampshire, not just what the law requires.