Below are our picks for the best home and auto insurance bundling companies in New Hampshire:
Best Home and Auto Insurance in New Hampshire
Updated: April 7, 2025
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Key Takeaways
State Farm, USAA and Nationwide are the top home and auto insurance companies in New Hampshire.
State Farm offers the best home and auto insurance discount, with savings of 16% on auto and 35% on home insurance.
The average annual cost of home and auto insurance in New Hampshire is $1,515, about 51% lower than the national average.
Who Offers the Best Home and Auto Insurance Bundles in New Hampshire?
| USAA | 89 | $1,482 | $123 |
| State Farm | 79 | $1,285 | $442 |
| Nationwide | 79 | $1,705 | $427 |
| Allstate | 62 | $1,670 | $413 |
| Auto-Owners | No Data | $1,433 | $244 |
State Farm: Best Cheap Home and Auto Insurance in New Hampshire
State Farm offers the best and cheapest home and auto insurance in New Hampshire, with the best discount of 16% on car and 35% on home insurance. Customers can combine this bundling discount with State Farm's other discounts, including programs for young drivers. State Farm ranks second for auto and seventh for home insurance in J.D. Power customer satisfaction studies.
| Auto | $717 | $137 | 16% |
| Home | $568 | $305 | 35% |
USAA: Best Home and Auto Insurance in New Hampshire for Military
For military members and their families, USAA offers the best home and auto insurance. It features several military-specific discounts, including savings for garaging your car on base or keeping it in storage. Customers can also save up to 30% with USAA SafePilot. J.D. Power ranks USAA highest for customer satisfaction in home and auto insurance.
| Auto | $532 | $17 | 3% |
| Home | $951 | $106 | 10% |
Nationwide: Best Home and Auto Insurance Coverage in New Hampshire
Nationwide costs more for home and auto insurance in New Hampshire but offers various discounts to reduce expenses, including a telematics program that can save you up to 40% on car insurance. The company also provides unique coverage options such as disappearing deductibles, accident forgiveness and home equipment breakdown protection.
| Auto | $871 | $177 | 17% |
| Home | $835 | $250 | 23% |
New Hampshire Home and Auto Insurance Cost
New Hampshire's average monthly home and auto insurance cost is $126, much lower than the national average of $258. Depending on the provider, monthly rates range from $107 to $142.
| New Hampshire home and auto insurance bundle | $1,515 | $1,579 | -51% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
New Hampshire Home and Auto Insurance Quotes Without Bundling
While research shows that not bundling home and auto insurance in New Hampshire is more expensive, your quotes may differ. Below are the average costs of all coverage combinations using our top providers without bundling, from least to most expensive.
| USAA | Auto-Owners | $1,367 |
| USAA | State Farm | $1,421 |
| USAA | Allstate | $1,502 |
| USAA | Nationwide | $1,633 |
| State Farm | Auto-Owners | $1,672 |
| Auto-Owners | State Farm | $1,732 |
| State Farm | Allstate | $1,808 |
| Auto-Owners | Allstate | $1,813 |
| Nationwide | Auto-Owners | $1,866 |
| State Farm | USAA | $1,910 |
| Auto-Owners | USAA | $1,916 |
| Nationwide | State Farm | $1,920 |
| State Farm | Nationwide | $1,939 |
| Auto-Owners | Nationwide | $1,944 |
| Allstate | Auto-Owners | $1,948 |
| Nationwide | Allstate | $2,001 |
| Allstate | State Farm | $2,002 |
| Nationwide | USAA | $2,104 |
| Allstate | USAA | $2,186 |
| Allstate | Nationwide | $2,214 |
Should I Bundle Home and Auto Insurance in New Hampshire?
For New Hampshire residents, bundling home and auto insurance is typically more affordable than purchasing them separately. Assess your coverage needs and financial situation to find the best solution.
Bundling discounts cost less than individual policies
Bundling can save you money. In New Hampshire, the cheapest annual home and auto insurance cost without bundling is $1,367. With bundling, it drops to $1,285.
Bundling makes policy management convenient
Managing your insurance is easier with bundling. You handle everything through a single account.
In rare cases, it might be better not to bundle in New Hampshire
Nonbundled insurance might not save you more money, but it can offer more flexibility in coverage options.
Best Auto and Home Insurance in New Hampshire: Bottom Line
State Farm, Nationwide and USAA are top choices for bundling home and auto insurance in New Hampshire. Bundling these policies can save you more than buying each one separately. However, we recommend comparing multiple companies and getting quotes to find the best deal for your situation.
Home and Auto Insurance in New Hampshire: FAQ
Find expert answers to common questions about New Hampshire home and auto insurance here:
Who has the best home and auto insurance in New Hampshire?
State Farm is the best option for most drivers in New Hampshire for home and auto insurance. For military members and their families, USAA is the top choice. If you need more coverage options, we recommend Nationwide.
Who has the cheapest home and auto insurance in New Hampshire?
State Farm offers the cheapest home and auto insurance bundle in New Hampshire at $1,285 annually. Customers enjoy an average discount savings of $442 compared to the state average.
How much does home and auto insurance in New Hampshire cost on average?
New Hampshire's average annual premium for a home and auto insurance bundle is about $1,515, roughly 51% below the national average. The most affordable bundle starts at $1,285 per year, while the highest costs about $1,705.
Is bundling home and auto insurance cheaper in New Hampshire?
Bundling home and auto insurance is cheaper in New Hampshire, according to our research. While seeking the cheapest options, ensure adequate financial protection.
Best Auto and Home Insurance Bundle in New Hampshire: Our Methodology
Bundle Scoring System
MoneyGeek used data from the New Hampshire Insurance Department and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in New Hampshire
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in New Hampshire
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.