Cheapest Car Insurance in New Hampshire for 2026

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Updated: July 22, 2026

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MMG Insurance is the cheapest car insurance in New Hampshire for minimum coverage at $33 a month. GEICO is the cheapest for full coverage at $63 a month. Senior drivers and families adding a teen driver will find Auto-Owners the most affordable, at $73 a month for drivers 70 and older and $180 a month for 16-year-old females and $204 for 16-year-old males. 

For high-risk drivers, the cheapest company changes depending on the violation. Safety Insurance is cheapest after a speeding ticket at $81 a month, Vermont Mutual after an at-fault accident at $85 a month, Progressive after a DUI at $101 a month and MMG Insurance after a texting while driving violation at $69 a month. For bad credit, Mapfre Insurance is cheapest at $121 a month. To compare how each company scores on customer service, claims handling and coverage options, see the best car insurance in New Hampshire.

Minimum Coverage
MMG Insurance
$33
4.47/5
Full Coverage
GEICO
$63
4.35/5
16-Year-Old Male
Auto-Owners
$204
4.55/5
16-Year-Old Female
Auto-Owners
$180
4.55/5
Young Adults
GEICO
$82
4.35/5
Seniors (70+)
Auto-Owners
$73
4.55/5
Speeding ticket
Safety Insurance
$81
4.37/5
At-fault accident
Vermont Mutual Insurance
$85
4.21/5
DUI
Progressive
$101
4.24/5
Bad credit
Mapfre Insurance
$121
4.22/5
newHampshire icon
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New Hampshire is the only state in the country where car insurance is not required by law. Drivers can legally get behind the wheel without a policy. The catch is that if you cause an accident and cannot pay for the damage or injuries, the state suspends your license and registration immediately. Most New Hampshire drivers carry insurance anyway. If you have a car loan or lease, your lender requires it. If you own your car outright, going without insurance means your personal savings, home and other assets are on the line if you cause a serious accident.

MMG Insurance

MMG Insurance

Best Cheap Full Coverage Car Insurance in New Hampshire

For New Hampshire drivers adding full coverage to their policy, MMG Insurance is the best option. MMG earned a MoneyGeek score of 4.47 out of 5, the highest of any company in New Hampshire's full coverage table. That score reflects its claims performance and customer experience. MMG is a regional New England insurer with agents based in the communities it covers. When a New Hampshire driver files a collision or comprehensive claim, it goes through someone who knows the local roads, repair shops and weather conditions that caused the claim in the first place. MMG policyholders rate their own claims experience above the industry average in J.D. Power's 2025 Auto Claims Satisfaction Study. All of that comes at $63 a month for full coverage. Drivers who want to lower that rate can ask about MMG's Portfolio program for a multi-policy bundling discount. Safe driver and defensive driving discounts are also available at renewal. Ask MMG directly for current amounts and eligibility when getting a quote. A full overview of MMG's coverage and ratings is at its MMG Insurance car insurance review.

Cheapest Car Insurance by Coverage Type in New Hampshire

GEICO
$34
$63
4.35/5
MMG Insurance
$33
$63
4.47/5
Auto-Owners
$37
$74
4.55/5
Safety Insurance
$36
$81
4.37/5
Vermont Mutual Insurance
$38
$85
4.21/5

Cheapest Full Coverage in New Hampshire

MMG Insurance and GEICO are both cheapest for full coverage in New Hampshire at $63 a month. At the same price, the question is which company handles your claim better when something goes wrong. MoneyGeek's customer experience score measures exactly that. MMG scores 3.91 out of 5 on that measure. Its policyholders consistently report a smooth experience getting their claims paid. GEICO scores 3.65 out of 5. Its policyholders report more friction in the same process. At the same $63 a month, MMG gives a full coverage buyer the better claims outcome.

Cheapest Minimum Coverage in New Hampshire

MMG Insurance is cheapest for minimum coverage in New Hampshire at $33 a month, $1 less than GEICO's $34. That dollar difference is small enough that upfront discounts could flip the result. GEICO offers a multi-vehicle discount for drivers insuring more than one car and separate discounts for military members and federal employees. Both apply from day one of the policy. If either fits your situation, GEICO could end up the lower rate. Otherwise, MMG is the cheaper starting point. Getting quotes from both shows which one prices lower for your specific profile.

How to Choose Between Minimum and Full Coverage in New Hampshire

The right coverage level in New Hampshire comes down to vehicle value. Full coverage costs $29 more a month than MMG's own minimum coverage rate and adds up to $348 a year. A vehicle worth less than $3,480 would cost more to insure at full coverage over ten years than the maximum it could return in a total-loss payout. Minimum coverage drops collision and comprehensive entirely. Damage to your own vehicle after an accident you cause comes out of pocket. If you have a car loan or lease, your lender requires full coverage regardless of vehicle value. Use the New Hampshire car insurance calculator to run the break-even math for your specific vehicle.

Cheapest Car Insurance for Teens and Young Adults in New Hampshire

For families adding a teen driver to their policy in New Hampshire, Auto-Owners offers the lowest rate starting at $180 a month for a 16-year-old female and $204 for a male. Auto-Owners holds the lead from 16 through 20 for both genders. MMG Insurance briefly takes over for females at 17 and 18.

The best time to consider switching is when a male driver turns 21 and when a female driver turns 23. At 21, GEICO drops to $110 a month for males, $27 less than Auto-Owners' $137 at that age and $324 less over a year. At 23, GEICO becomes the lowest option for females at $97 a month. Those two birthdays are where the biggest rate drops in the 16-to-25 range happen. See how to switch car insurance companies for the steps to make each change.

16
Auto-Owners
$180
Auto-Owners
$204
4.58/5
17
MMG Insurance
$162
Auto-Owners
$186
N/A*
18
MMG Insurance
$142
MMG Insurance
$168
3.91/5
19
Auto-Owners
$131
Auto-Owners
$149
4.58/5
20
Auto-Owners
$121
Auto-Owners
$137
4.58/5
21
Auto-Owners
$112
GEICO
$110
N/A*
22
Auto-Owners
$104
GEICO
$99
N/A*
23
GEICO
$97
GEICO
$89
3.65/5
24
GEICO
$91
GEICO
$83
3.65/5
25
MMG Insurance
$85
GEICO
$82
N/A*

Cheapest Car Insurance for Seniors in New Hampshire

Auto-Owners and GEICO are both cheapest for drivers 70 and older in New Hampshire at $73 a month. At that rate, a driver who files a claim with Auto-Owners is more likely to have a smoother experience than one filing with GEICO. Auto-Owners scores 4.58 out of 5 on MoneyGeek's customer experience measure. GEICO scores 3.65 out of 5.

Auto-Owners does not offer a telematics program. Drivers looking to lower the $73 rate can ask about the mature driver discount, which New Hampshire insurers are required to offer to drivers who complete an approved defensive driving course, and the multi-policy discount for bundling auto and home insurance.

Auto-Owners
$73
4.58/5
GEICO
$73
3.65/5
MMG Insurance
$78
3.91/5
Safety Insurance
$81
3.52/5
Vermont Mutual Insurance
$85
3.68/5

Cheapest Car Insurance by City in New Hampshire

For most of New Hampshire, Vermont Mutual Insurance is the cheapest option. It is cheapest in 8 of the state's 20 largest cities, with rates starting at $27 a month in Keene and $28 in Franklin and Laconia. MMG Insurance is a close second, cheapest in 7 cities at $29 a month each. Manchester is different from every other city in the table. GEICO offers the cheapest rate there at $42 a month, the highest of any city in the table. A driver in Manchester pays $15 more a month than a driver in Keene for two reasons. GEICO, the cheapest company in Manchester, prices higher than Vermont Mutual does in Keene. Manchester is also New Hampshire's largest city. More traffic volume, higher vehicle theft rates and more accident exposure push rates higher there than in smaller communities.

Keene
Vermont Mutual Insurance
$27
Franklin
Vermont Mutual Insurance
$28
Laconia
Vermont Mutual Insurance
$28
Berlin
MMG Insurance
$29
Claremont
MMG Insurance
$29
Hanover
MMG Insurance
$29
Lebanon
MMG Insurance
$29
Portsmouth
Safety Insurance
$29
Rochester
MMG Insurance
$29
Somersworth
MMG Insurance
$29
Milford
Mapfre Insurance
$30
Concord
Vermont Mutual Insurance
$31
Durham
Vermont Mutual Insurance
$31
Exeter
Vermont Mutual Insurance
$31
Hampton
Vermont Mutual Insurance
$31
Londonderry
MMG Insurance
$34
Derry
Mapfre Insurance
$35
Dover
Safety Insurance
$35
Nashua
Vermont Mutual Insurance
$35
Manchester
GEICO
$42

Cheapest Car Insurance for High Risk Drivers in New Hampshire

High-risk drivers in New Hampshire have four different cheapest options depending on what went wrong. MMG Insurance is cheapest after a texting while driving violation at $69 a month, the lowest rate in the high-risk table. Safety Insurance is cheapest after a speeding ticket at $81 a month. Vermont Mutual Insurance is cheapest after a first at-fault accident at $85 a month, the same rate it charges clean-record drivers. The at-fault accident adds nothing to the premium for a first offense. Progressive is the cheapest option for drivers with a DUI at $101 a month and handles the required SR-22 filing directly.

For poor credit, Mapfre Insurance is cheapest at $121 a month. Mapfre's credit penalty is among the lowest in MoneyGeek's New Hampshire data. Its rate does not jump as sharply from the good-credit baseline as most other companies in the state. The tradeoff is service, Mapfre scores 3.38 out of 5 on customer experience, the lowest of any company in the violations table. Getting quotes from Mapfre and at least one other company confirms whether the lower credit penalty holds for your specific profile.

Speeding Ticket
Safety Insurance
$81
3.52/5
At-Fault Accident
Vermont Mutual Insurance
$85
3.68/5
DUI
Progressive
$101
3.90/5
Texting While Driving
MMG Insurance
$69
3.91/5
Bad Credit
Mapfre Insurance
$121
3.38/5

How to Get Cheaper Car Insurance in New Hampshire

Switching carriers saves $22 a month in New Hampshire, the gap between GEICO's cheapest full coverage rate and the state's highest-priced leading option. Dropping from full to minimum coverage with the same carrier saves $29 a month. The steps below cover bundling, violation shopping timing, credit, and carrier discount programs.

  1. 1
    Get quotes from at least three New Hampshire companies and save up to $22 a month

    Get quotes from GEICO, MMG Insurance and at least one other company before renewing your full coverage policy. GEICO and MMG both charge $63 a month for full coverage. Vermont Mutual Insurance charges $85 a month for the same coverage. That $22 monthly difference adds up to $264 a year. Vermont Mutual may be the cheapest in your city for minimum coverage and the most expensive for full coverage. Check both coverage levels before deciding.

  2. 2
    Match coverage to your vehicle's value and save $29 a month

    Drop full coverage if your vehicle is worth less than $3,480. Full coverage costs $29 more a month than minimum coverage with GEICO, adding up to $348 a year. A car worth less than $3,480 would spend more on full coverage premiums over a decade than it could return as a total-loss payout. Use the New Hampshire car insurance calculator to check where your vehicle lands.

  3. 3
    Bundle home and auto and reduce both premiums

    Ask for a bundled home and auto quote from GEICO or MMG Insurance before renewing either policy separately. The discount varies by company and policy mix. The best home and auto bundle in New Hampshire page compares top companies for bundled rates in the state.

  4. 4
    Get new quotes for male teens at 21 and female teens at 23 to capture the biggest savings

    Consider switching to GEICO when a male teen turns 21 and when a female teen turns 23. At 21, GEICO drops to $110 a month for males, $27 less than Auto-Owners' $137 at that age. At 23, GEICO drops to $97 a month for females. Those are the two ages where getting new quotes and switching to GEICO captures the biggest savings in the 16-to-25 range. See how to switch car insurance companies for the steps to make each change.

  5. 5
    Get new quotes when the violation surcharge closes and recover up to $228 a month

    Mark the conviction date and get new quotes when the three-year surcharge window closes. New Hampshire holds rate increases for at-fault accidents and DUIs to a three-year experience period. Vermont Mutual charges $313 a month after a DUI against its own $85 clean-record rate. Getting new quotes at Progressive or Safety Insurance when the window closes recovers the difference.

  6. 6
    Improve credit and reduce the bad credit premium

    Get new quotes from GEICO and MMG Insurance once credit improves. Mapfre Insurance is cheapest for poor credit at $121 a month. GEICO and MMG charge $63 a month at standard credit. Improving credit enough to qualify for standard rates reduces the premium by up to $58 a month.

  7. 7
    Ask about telematics programs to lower your rate

    GEICO is the only one with a confirmed telematics program available in New Hampshire. MMG Insurance and Auto-Owners do not publish telematics programs. Both offer other discounts. Ask directly when getting a quote.

    • GEICO DriveEasy: Tracks driving behavior through the GEICO app. Can lower the rate at renewal for safe drivers. GEICO has not published a maximum discount. The program can raise the rate if driving scores are poor.
    • MMG Insurance: No telematics program. Offers multi-policy and safe-driver discounts. Ask directly about current amounts and eligibility.
    • Auto-Owners: No telematics program. Offers a Good Student Discount and a Student Away at School Discount. Ask directly about eligibility.

MoneyGeek analyzed car insurance rates for New Hampshire using data from Quadrant Information Services, collected from insurance company filings with the New Hampshire Insurance Department across all residential ZIP codes in New Hampshire. These are filed rates, not online quote estimates.

Baseline driver profile

  • Age: 40-year-old male
  • Vehicle: 2012 Toyota Camry LE
  • Record: Clean driving history, good credit
  • Annual mileage: 12,000 miles
  • Full coverage: 100/300/100 liability with a $1,000 deductible
  • Minimum coverage: New Hampshire's 25/50/25 liability limits plus $1,000 MedPay and UM/UIM at matching limits

Profile variations

  • Teen drivers age 16 through young adults age 25 on a family policy. New Hampshire permits gender-based pricing. Male and female rates are shown separately.
  • Senior driver at age 70
  • Violation profiles with one variable changed at a time
  • Poor-credit profile

USAA is excluded from all tables. USAA is available only to military members, veterans and immediate family. Eligible drivers should include USAA in any comparison.

MoneyGeek scoring factors

  • Affordability (60%): Normalized rates across all companies within each driver profile
  • Customer experience (30%): J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings
  • Coverage options (10%): Range of available add-ons and included benefits

The overall MoneyGeek score shown in summary tables reflects this composite. Customer experience sub-scores shown in section tables reflect the customer experience component only and differ from the overall score.

New Hampshire state notes

New Hampshire is the only state in the country with no mandatory auto insurance law. Drivers are not required to carry a policy before registering or operating a vehicle. Financial responsibility requirements under RSA Chapter 264 apply only after certain events, including at-fault accidents. Drivers who choose to buy a policy must carry liability at the 25/50/25 minimum limits. Every policy issued in New Hampshire must also include $1,000 in MedPay and uninsured and underinsured motorist coverage at the same limits as the liability coverage the driver carries. New Hampshire is an at-fault state. It does not require personal injury protection beyond the $1,000 MedPay minimum. New Hampshire permits gender-based pricing. Male and female rates differ at every age in the teen sequence. New Hampshire holds rate increases for at-fault accidents and DUIs to a three-year experience period under state insurance regulations. A DUI conviction requires an SR-22 filing for three years from the conviction date on a first offense. Credit is a permitted rating factor.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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