State Farm provides the cheapest non-owner car insurance for New Hampshire drivers with clean records at just $21 a month — below the state average of $31. Explore other affordable options in the table below.
Cheapest Non-Owner Car Insurance in New Hampshire
Updated: January 31, 2025
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Best Cheap Non-Owner Car Insurance in New Hampshire: Key Takeaways
State Farm offers the cheapest non-owner SR-22 car insurance in New Hampshire, with an average monthly cost of $27 for those with a driving incident.
Non-owner insurance covers you when driving a vehicle that isn't yours, as long as you meet the state's minimum coverage requirements.
Consider non-owner insurance if you often borrow or rent vehicles or need to reinstate your license but can't afford a traditional policy.
Cheapest Non-Owner Car Insurance in New Hampshire
| State Farm | $255 | $21 |
| GEICO | $362 | $30 |
| Progressive | $471 | $39 |
| Nationwide | $595 | $50 |
Cheapest Non-Owner SR-22 Car Insurance in New Hampshire
State Farm provides New Hampshire's most affordable SR-22 non-owner policy at just $27 monthly, much lower than the state average of $51 for minimum coverage. Compare other SR-22 providers below.
| State Farm | $326 | $27 |
| GEICO | $530 | $44 |
| Progressive | $783 | $65 |
| Nationwide | $807 | $67 |
How Much Is Non-Owner Car Insurance in New Hampshire?
New Hampshire's average monthly non-owner car insurance cost is $31, less than the national average of $43. SR-22 coverage costs about $51 monthly, above the $48 national average for those with accidents. Your driving history could affect your premium.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
New Hampshire Average Cost
Monthly Premium
$31Non-owner car insurance in New Hampshire is cheap:$12 saved
This is 28% less expensive.
New Hampshire Non-Owner Car Insurance: Buyer's Guide
We provide key insights to help drivers decide if a non-owner insurance policy is right for them. This guide compares it with standard policies, breaks down costs and explains who benefits most.
What Is Non-Owner Car Insurance?
Consider non-owner insurance if you often drive but don't own a car. It covers the costs of damage and injuries you may cause while driving. Below, see how it compares to standard policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does New Hampshire Allow Non-Owner Car Insurance?
New Hampshire permits non-owner insurance for those who drive but don't own a car. When you need to file an SR-22, you can purchase it from several providers in the state.
NEW HAMPSHIRE MINIMUM INSURANCE REQUIREMENTS
New Hampshire's minimum coverage requirements apply to non-owner car insurance. The limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $25,000 uninsured/Underinsured property damage coverage
- $1,000 medical payments coverage
While meeting the state's minimum coverage is necessary, it might not fully protect you. Consider how much coverage you need beyond the minimum to ensure you're adequately insured.
Should You Get Non-Owner Car Insurance in New Hampshire?
Non-owner insurance is a good option for people who borrow or rent cars but don’t own one. It is affordable and provides basic coverage in case of an accident. It’s also useful for maintaining continuous coverage or keeping a steady insurance history.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in New Hampshire, as they may indicate fraud. If you need temporary coverage for a move or road trip, opting for insurance through a car rental company is safer.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Those who don’t own a vehicle may still need coverage when driving someone else’s car. Non-owner insurance ensures they're covered in case of an accident.
Occasional renters
A non-owner policy offers coverage for multiple rental periods, potentially more cost-effective than purchasing the rental company's insurance each time.
Drivers between cars
Drivers who temporarily don't own a vehicle may purchase non-owner insurance to maintain continuous coverage, preventing higher premiums due to gaps when buying their next car.
License reinstatement-seekers
Drivers seeking to reinstate their license after a suspension may need proof of insurance. Non-owner insurance can fulfill this requirement without needing vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22 is a form your insurer files with the DMV to prove you have minimum coverage auto insurance. Also known as a Certificate of Financial Responsibility (CFR), it's a must-have for drivers with certain issues, like a DUI or driving without insurance, to drive again legally.
Cheap Non-Owner Car Insurance in New Hampshire: Bottom Line
New Hampshire offers non-owner car insurance options for most drivers, even those who need SR-22s. State Farm is the cheapest option, followed by GEICO and Progressive. Compare multiple providers and their quotes to get the best deal.
Non-Owner Car Insurance in New Hampshire: FAQ
Get answers to frequently asked questions about non-owner car insurance in New Hampshire below.
Which company offers the cheapest non-owner car insurance in New Hampshire?
State Farm offers the cheapest non-owner car insurance in New Hampshire at $21 monthly and SR-22 coverage at $27.
How much does non-owners car insurance cost in New Hampshire?
New Hampshire's annual non-owner car insurance cost averages $370 or $31 monthly. For those requiring an SR-22 due to poor driving records, the price increases to an average of $612 annually or $51 monthly.
New Hampshire Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled New Hampshire auto insurance rates by collecting data from the New Hampshire Insurance Department and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in New Hampshire using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $25,000 uninsured/Underinsured property damage coverage
- $1,000 medical payments coverage
Drivers and Cars in New Hampshire
To find the best and most affordable companies for non-owner car insurance in New Hampshire, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
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.