Updated: November 18, 2024
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Choosing the best car insurance in New Hampshire depends on your unique needs. MoneyGeek ranked Hanover as the top provider overall and the best for minimum coverage requirements. For families with teen drivers, Nationwide is a solid choice.
If your primary focus is cost rather than service quality, MoneyGeek reviewed the cheapest car insurance in New Hampshire.
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Why Trust MoneyGeek? We created an insurance scoring system for providers in New Hampshire based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in New Hampshire.
Hanover leads with a MoneyGeek score of 91 out of 100, setting the benchmark for excellence in New Hampshire. In MoneyGeek's analysis of car insurance providers, the scores range from 91 to 67. Individual provider scores may vary by driver profile.
How does MoneyGeek score companies?
MoneyGeek scores highlight the importance of customer satisfaction and affordability while also giving considerable weight to claims experience and offered coverages. These metrics indicate an insurer's overall performance, guiding consumers to make informed decisions about their insurance needs.
Certain insurers like Concord Group were not eligible for an overall MoneyGeek score due to incomplete data across all five scoring metrics. However, Concord Group distinguishes itself with a high rank in customer satisfaction within the state, indicating its effectiveness in serving customers outside of claim-related interactions.
| Hanover | 91 | $479 |
| Safety Group | 88 | $612 |
| Nationwide | 82 | $806 |
| GEICO | 81 | $680 |
| Vermont Mutual | 80 | $554 |
| Progressive | 77 | $822 |
| State Farm | 76 | $876 |
| MAPFRE | 76 | $667 |
| Allstate | 67 | $1,086 |
| Concord Group | No Data | $680 |
In New Hampshire, MoneyGeek found that Hanover is the top provider of the best full coverage car insurance, with a high MoneyGeek score. Here are the two top insurance providers:
Hanover stands out in New Hampshire for its full coverage car insurance due to the premium combination of high customer satisfaction, stellar claims handling and top affordability. This blend of quality service at a competitive price makes Hanover a leading choice.
Although Hanover offers exceptional value, note that New Hampshire plays host to a variety of companies that accommodate different cost and service expectations. For motorists keen on finding the cheapest full coverage car insurance in New Hampshire, MoneyGeek's analysis also spotlights options for those prioritizing savings without compromising extensive coverage.
Ranks No. 1 for cost, with an average annual premium of $479 for full coverage.
Ranks No. 1 for key coverages, providing a broad range of options.
Offers rare original equipment manufacturer (OEM) coverage and common roadside assistance.
Does not excel in customer satisfaction, ranked No. 3.
Does not offer gap insurance.
Hanover has an impressive MoneyGeek score due to its exceptional satisfaction (32 out of 35) and affordability (30 out of 30) ratings. The company offers rental car/travel reimbursement and roadside assistance coverages, but its portfolio truly shines when looking at rare coverages like OEM coverage, which ensures the use of original parts during repairs; this feature benefits and applies to drivers of various profiles. Moreover, the company provides other coverages such as accident forgiveness, minimizing financial penalties after your first accident, and deductible modification, which rewards safe driving by reducing your collision deductible over time.
When it comes to safeguarding your investment in a new vehicle, new car replacement coverage can also be a lifesaver if your car is totaled. Offering a blend of everyday utility and exceptional protective measures, Hanover stands out with a high MoneyGeek score, indicating a strong balance between quality service, comprehensive coverage and financial accessibility.
MoneyGeek found that Safety Group is the best option in New Hampshire for motorists seeking the highest level of customer service in car insurance. The top two providers with noteworthy customer service are:
Safety Group stands out as the leading insurer, with a high MoneyGeek score due to excellent satisfaction and claims handling scores. The company provides stellar service at a more affordable cost than Nationwide, making Safety Group the superior choice for budget-conscious drivers who do not want to compromise on service quality.
In New Hampshire, choosing an insurance company should not be taken lightly, as varying levels of customer satisfaction and claims experiences can impact your overall contentment with your insurance provider. Your choice of insurer should give you peace of mind and support during a claims process.
Ranks No. 1 for claims handling.
Offers rare personal property insurance and common roadside assistance.
Leads in key coverages, ranking No. 1.
Doesn't excel in customer satisfaction.
Does not offer OEM coverage.
Safety Group’s exceptional claims handling and coverage scores are pivotal in its high MoneyGeek score, illustrating its reliability and comprehensive options. The company lacks the common rental car/travel reimbursement coverages, a slight negative amidst its offerings. On a positive note, it does provide roadside assistance. Safety Group also proudly offers gap insurance and accident forgiveness, catering to various drivers’ needs.
Safety Group offers rare coverages like personal property insurance, which can be a significant asset for drivers who carry valuable items in their vehicles. Its satisfaction score of 38 (out of 45) suggests efforts to prioritize customer contentment, while the perfect coverage score of 20 (out of 20) ensures clients are getting a wide range of protection. These scores, coupled with prudent pricing, underscore Safety Group as an outstanding choice for car insurance.
MoneyGeek found that Hanover is the best option in New Hampshire for those seeking minimum car insurance coverage at an affordable rate.
Hanover excels primarily due to its exceptional affordability and claims handling, which contribute heavily to its impressive MoneyGeek score. For drivers seeking the most value, particularly for minimum insurance required by law in New Hampshire, Hanover offers an annual cost of just $133.
In New Hampshire, while many companies offer inexpensive options for the minimum car insurance, such policies may not provide comprehensive protection. They could leave drivers exposed to significant out-of-pocket expenses in the case of an accident, as they only meet the legal requirements and may not cover all the costs associated with a more serious incident.
Offers anti-theft system and defensive driving discounts.
Ranks No. 1 for cost, with an average annual premium of $133 for minimum coverage.
Ranks No. 1 for key coverage options.
Lacks safe driving discount.
Ranks No. 3 for customer satisfaction.
Ranks No. 5 for claims handling.
Hanover leads the pack with its perfect affordability score of 40 (out of 40) and a strong satisfaction score of 18 (out of 25), significantly influencing its high MoneyGeek Score of 87 out of 100. Hanover's average annual premium of just $133 ensures that quality coverage remains highly accessible to the average driver. Hanover offers a range of discounts, including multiple policy bundling and defensive driving, to lower premiums further. Its overall offerings show the company's comprehensive approach to insurance savings.
In addition to Hanover's affordability and satisfaction scores, it also impresses with its scores in claims handling (15.6 out of 20), coverage (a full 10) and stability (3.7 out of 5). These scores collectively reinforce Hanover's reputation as an insurer committed to excellent service and customer satisfaction while maintaining competitive pricing.
In New Hampshire, driver age is a significant determinant of car insurance rates, accounting for differences in costs and access to specific coverages and discounts. MoneyGeek found that Nationwide is the best option in New Hampshire for teen drivers, with a MoneyGeek score of 88 out of 100 and an annual premium of $1,091. It is also the top choice for seniors, with a MoneyGeek score of 92 out of 100 and the lowest annual premium at $657. For young adults, Hanover leads with a high MoneyGeek score of 91 out of 100 and an attractive annual rate of $800.
Best for Teens: Nationwide
Best for Seniors: Nationwide
Best for Young Adults: Hanover
MoneyGeek found that Nationwide is the best option for teen car insurance in New Hampshire. Comparing the top providers, the following stand out:
Nationwide stands out due to its exceptional customer satisfaction and impressive claims handling scores. These key factors contribute significantly to the overall MoneyGeek score. It's worth noting that the annual premium for a teen policy with Nationwide is $1,091, significantly impacting the affordability of teen policies. For cheap car insurance for teens in New Hampshire, adding them to a family policy is preferable rather than obtaining an individual one.
Adding a teen to your car insurance policy in New Hampshire can be expensive due to the increased risk they represent. Teen drivers are statistically more likely to be involved in accidents due to lack of experience, leading to higher insurance costs. This pattern is consistent across other states as well. Considering the substantial increase in premiums, families should explore all avenues to find the most cost-effective coverage.
Offers good student discount.
Ranks No. 1 for claims handling.
Ranks No. 2 for cost, with an average annual premium of $1,091 for full coverage.
Ranks No. 6 for non-claims customer satisfaction.
Missing distant student and driver's education discounts.
Nationwide garners its stellar MoneyGeek score of 88 out of 100 due to high marks in satisfaction (28 out of 35) and claims (20 out of 20), showcasing top-tier customer approval and efficient claims processing. Families with teens will appreciate Nationwide's focus on youth discounts, including popular options like good student, ideal for responsible young drivers looking to save.
Nationwide's good student discount brings savings for drivers aged 16 to 24 who maintain a "B" average or better. Moreover, Nationwide presents valuable coverages such as identity theft coverage, a rare add-on particularly beneficial in today's digital world, which safeguards your personal information against theft. Another notable coverage is the total loss deductible waiver, which is useful in mitigating out-of-pocket costs if your car is deemed a total loss. These sought-after coverages and discounts exemplify Nationwide's commitment to accommodating diverse insurance needs.
MoneyGeek found that Nationwide is the best option for seniors seeking car insurance in New Hampshire. The top two providers for senior car insurance are:
Nationwide stands out due to its high satisfaction and claims handling scores, which significantly contribute to its overall performance in the rankings. Seniors looking for affordable coverage will find Nationwide's annual premium for a policy is $657, a reminder that obtaining cheap car insurance for a senior in New Hampshire may mean paying more than younger age groups might expect.
Contrary to what some may believe, car insurance for seniors does not always cost more than for middle-aged adults. MoneyGeek's data uses rates for seniors in their 60s as a benchmark. However, it’s important to note that seniors in their 70s and 80s may see higher premiums due to the higher risks associated with driving in older age.
Offers roadside assistance and rental car/travel reimbursement.
Ranks No. 2 for claims handling.
Ranks No. 4 for customer satisfaction.
Ranks No. 4 for cost, with an average premium of $657 per year.
Nationwide leads with high scores in affordability (29 out of 30), satisfaction (32 out of 35) and perfect marks in coverage. Its high MoneyGeek Score of 91 out of 100 is a testament to its comprehensive services. It ensures peace of mind with essential coverages like roadside assistance and rental car/travel reimbursement for those unexpected moments. With an average annual premium of $657, Nationwide also caters to seniors' financial needs by offering discounts such as the automatic payment discount, which may contribute to further savings.
For seniors seeking security on the road, Nationwide's 24/7 roadside assistance is a standout offering. It guarantees that help is just a call away should you encounter a breakdown, flat tire or lockout. The rental car reimbursement is equally valuable, covering transportation costs when your car is out of service due to an accident. This coverage could be indispensable for seniors who must maintain their mobility and depend on their vehicles for daily activities. Nationwide also has an extensive list of discounts, including bundling and safe driving, which could further lower premiums for cost-conscious senior drivers.
MoneyGeek found that Hanover is the best option in New Hampshire for the best car insurance for young adults.
Hanover outshines its competitors with its high scores in satisfaction, claims handling and affordability. MoneyGeek's data targeting drivers in their 20s show these components significantly contribute to Hanover’s high score. At $800 annually, Hanover offers an excellent option for those seeking cheap car insurance for a young adult in New Hampshire. Note that rates for young adults tend to be higher than for other age groups.
The increased cost of car insurance for young adults can be attributed to their relative lack of driving experience and higher statistical likelihood of filing claims. Insurers view younger drivers as high risk, which is reflected in the premium rates in New Hampshire and most states.
Ranks No. 1 for cost, with a $800 annual premium for full coverage.
Offers good student and distant Student discounts.
Customer satisfaction could be improved, ranking No. 3.
Missing driver's education discount.
Hanover emerges as a standout with its impressive MoneyGeek Score of 91 out of 100, bolstered predominantly by high marks in satisfaction (32 out of 35) and affordability (30 out of 30). The company offers discounts specific to young drivers such as good student, distant student and driver’s education. In terms of coverages, Hanover provides rental car/travel reimbursement and roadside assistance, representing a complete offering for these essential services.
Hanover delivers unparalleled satisfaction and affordability, making it a premier choice for insurance. With a satisfaction score of 32 (out of 35), clients experience exceptional service and support. The company's affordability score reaches the highest possible mark of 30 (out of 30), signifying tremendous value for cost-conscious customers. Hanover's reliable claims handling, scoring 16 (out of 20), ensures efficient and fair processing; its perfect coverage score of 10 (out of 10) means customers have access to a robust range of protective options. Its stability score is a solid 4 (out of 5), indicating a secure and dependable choice for consumers.
MoneyGeek found that Hanover is the best option in New Hampshire for drivers with offenses on record, providing a superior blend of affordability and customer satisfaction.
Hanover stands out in New Hampshire as the top car insurance provider for those with driving offenses, thanks to its exceptional balance of claims handling, coverage options and satisfaction ratings. These factors, weighted with affordability, contribute significantly to its MoneyGeek score. For drivers with offenses such as speeding tickets, at-fault accidents or DUIs, securing insurance with Hanover means an annual premium of $950. To get cheap car insurance as a high-risk driver in New Hampshire, you can expect to pay more than drivers with a clean record.
Car insurance in New Hampshire and other states becomes more expensive after an offense like a ticket, at-fault accident or DUI due to the increased risk insurers take on when covering drivers who have demonstrated less responsible driving behavior. These infractions typically lead to higher premiums because they statistically signal a likelihood of future claims, prompting insurance companies to adjust costs accordingly to mitigate potential losses.
Ranks well for claims handling.
Offers coverages such as roadside assistance and rental reimbursement.
Doesn't excel in customer satisfaction.
More expensive compared to other insurers.
Hanover stands out with its exceptional satisfaction (32 out of 35) and affordability (29 out of 30) scores, which are pivotal to its high MoneyGeek Score of 90 out of 100. With an average annual premium of $950 and an affordability score of 29 out of 30, Hanover presents an affordable choice for drivers with offenses. It offers coverages like roadside assistance, new car replacement, accident forgiveness and rental car/travel reimbursement, which are beneficial to those with a poor driving record. These aspects underscore the importance of dependable customer service and manageable costs, especially if you are working to improve your driving record.
MoneyGeek found that Allstate is the best option in New Hampshire for drivers with new cars seeking insurance.
Allstate stands out in the analysis for its perfect MoneyGeek score and comprehensive policy offerings. This is impressive, particularly because MoneyGeek excluded insurers that lack new car replacement or better car replacement coverages, which are essential for new car owners. These coverages can significantly affect overall costs in the event of an accident, as they allow for a new vehicle replacement without the depreciation hit. Even if premiums are slightly higher, Allstate's annual cost of $1,470 affords you greater peace of mind and potential savings in the long term.
Ranks well in general customer satisfaction.
Ranks well in claims satisfaction.
Ranks No. 1 in cost, with an average premium of $1470 for full coverage.
Offers new car replacement coverage.
Does not offer OEM coverage.
Allstate stands out with perfect scores in satisfaction (35 out of 35) and coverage (10 out of 10), significantly influencing its perfect MoneyGeek score. It offers new car replacement as an optional coverage, providing drivers with new cars financial protection against early depreciation losses. This add-on allows for the replacement of a car that's two model years old or less after a total loss. Allstate's average annual premium is $1,470.
Allstate's claims handling score and satisfaction score form a customer-centric insurance experience. It also offers custom parts coverage, which includes comprehensive and collision protection, enhancing the value for drivers with custom vehicle features.
MoneyGeek found that Hanover is the best option in New Hampshire for car insurance for military personnel.
Though ranked second, USAA is also a good option for those with a military background, as it values a balance of service quality and affordability.
Hanover leads the pack due to its superior mix of customer satisfaction, claims handling and stability. These components have contributed significantly to its overall MoneyGeek score, positioning it as the top provider. The company provides excellent service quality while maintaining competitive rates, which is reflected in its annual cost of $479 for military members in New Hampshire. Additionally, you can explore the cheapest car insurance in New Hampshire for military drivers to find more cost-saving options.
Ranks well for general customer satisfaction.
Ranks well for claims satisfaction.
Top rank for cost, with an average annual premium of $479.
Offers OEM coverage and roadside assistance.
Does not excel in customer satisfaction.
Does not offer gap insurance.
Hanover leads the pack in MoneyGeek's rankings, primarily due to perfect scores in affordability and coverage, ensuring it stands out with an impressive MoneyGeek score of 91 out of 100. With an average annual premium of just $479, Hanover offers superior value for your car insurance needs.
Hanover offers a range of widely beneficial insurance coverages that provide the foundational protection every driver needs. Collision and comprehensive coverage covers a range of potential vehicle damages. Roadside Assistance gives peace of mind during vehicle breakdowns. Accident forgiveness ensures that premium rates don't skyrocket after the first at-fault accident. Highlighting a satisfaction score of 32 (out of 35) and a claims handling score of 16 (out of 20), Hanover excels in customer satisfaction and efficient claim resolution, key elements that contribute to a stress-free experience.
In New Hampshire, the premier car insurance providers distinguish themselves by offering a balance of affordability, financial solidity and exceptional customer service. MoneyGeek has evaluated these companies to streamline your decision-making process. Nevertheless, should you wish to conduct your own research, there are at least four steps to undertake to ensure a fully informed choice.
Exceptional customer service is vital for car insurers in New Hampshire, where harsh winters demand reliable support. Consumers should consult independent data from JD Power and the NAIC to evaluate an insurer's service quality. Safety Group stands out with the highest service accolade in the state, according to MoneyGeek, with a customer satisfaction score of 38/45 and a claims handling score of 30/30.
New Hampshire drivers can cut costs without compromising on service by comparing quotes. Personal factors influence premiums, so it's important that you compare quotes to find the most affordable options. MoneyGeek's findings suggest Hanover as the best for minimum coverage, offering an annual premium of $133, making it an attractive choice for cost-conscious motorists.
The right coverage is as important as the price. You should review policies to ensure your chosen provider meets your needs. MoneyGeek's research identifies Safety Group, Progressive, Nationwide, Allstate and Hanover as insurers with a perfect coverage score of 10 out of 10, offering essential coverages like rental car/travel reimbursement, roadside assistance, gap insurance and OEM coverage.
Selecting an insurer with a strong financial stability rating is important, ensuring your claims will be paid without financial hindrances. MoneyGeek's analysis awards GEICO and State Farm the highest stability score of 5/5, reflecting an A++ rating from AM Best and signifying utmost reliability in fulfilling financial commitments to policyholders.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Hanover stands out for the best cheap car insurance in New Hampshire, with an annual premium of $133 for a minimum coverage policy. It has a MoneyGeek score of 87 out of 100. Minimum coverage policies may not provide comprehensive protection, but you can find affordable full coverage options with careful comparison shopping.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
