Cheapest Car Insurance in New Hampshire for 2026

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Updated: October 12, 2026

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Get the cheapest car insurance in New Hampshire below.

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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.

Cheapest Car Insurance by Coverage Type in New Hampshire

MMG Insurance is the cheapest for minimum coverage in New Hampshire at $33 a month, $1 less than GEICO's $34. For full coverage, MMG and GEICO both charge $63 a month. MMG is a regional New England insurer whose agents understand the state and local laws and accident risks, and have built relationships with repair shops in your city. MMG policyholders rate their claims experience above the industry average in J.D. Power's 2025 study, while GEICO policyholders report more friction in the same process.

To compare the best cheap car insurance companies in New Hampshire, use the table below and find the lowest rates possible.

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 Car Insurance in New Hampshire with Discounts

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.

GEICO's multi-vehicle, military and federal employee discounts could narrow or eliminate that advantage for drivers who qualify, so getting quotes from both is worth the time.

If a driver chooses to buy a policy in New Hampshire, it must include liability coverage at the 25/50/25 minimum limits, covering $25,000 per person and $50,000 per accident for bodily injury plus $25,000 for property damage. Every policy must also include $1,000 in MedPay and UM/UIM coverage matching the liability limits carried.

Full coverage adds collision and comprehensive on top of that base, adding $29 a month or $348 a year to MMG's minimum rate. A vehicle worth less than $3,480 would cost more in full coverage premiums over ten years than a total-loss payout would return. Use the New Hampshire car insurance calculator to run the break-even math for your vehicle.

MMG Insurance

MMG Insurance

Best Cheap Full Coverage Car Insurance in New Hampshire

For New Hampshire drivers looking to add full coverage to their policy, MMG Insurance is the best option earning a MoneyGeek score of 4.47 out of 5, the highest of any company in New Hampshire's due to high customer satisfaction with the auto insurers claims handling and processing.

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.

Cheapest Car Insurance for Teens and Young Adults in New Hampshire

Auto-Owners is cheapest for 16-year-olds in New Hampshire at $180 a month for females and $204 a month for males both full coverage policies. It remains cheapest through age 20 for both genders, except ages 17 and 18 for females and age 18 for males, where MMG Insurance is cheaper. New Hampshire permits gender-based pricing, and male drivers pay $24 more than female drivers at age 16.

At age 21, GEICO is cheaper than Auto-Owners for male drivers at $110 a month versus Auto-Owners' $137. At age 23, GEICO is cheaper for female drivers at $97 a month. These rates show which carrier is cheapest for a driver of that age today, not what a current policy will charge automatically as the driver ages. Getting new quotes at those two ages is how drivers capture those savings.

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 for full coverage. At the same price, Auto-Owners scores 4.58 out of 5 on customer experience versus GEICO's 3.65. Auto-Owners receives fewer complaints and handles claims more consistently than GEICO.

Auto-Owners doesn't offer a telematics program, but completing a New Hampshire-approved defensive driving course qualifies for a mature driver discount that all insurers in the state are required to offer. Seniors who bundle auto and home with Auto-Owners or GEICO can lower both premiums.

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

The cheapest car insurance in New Hampshire cities ranges from $27 a month in Keene to $42 a month in Manchester on a minimum coverage policy, a $15 monthly gap across the state's 20 largest cities. Vermont Mutual Insurance is cheapest in 8 cities, MMG Insurance in 7, Safety Insurance in 2, Mapfre Insurance in 2 and GEICO in Manchester alone. New Hampshire's city table is one of the most fragmented of any state.

Manchester stands apart from every other city in the table. GEICO is the cheapest carrier there at $42 a month, the highest rate in the state. Manchester carries more traffic volume, higher vehicle theft rates and more accident exposure than smaller communities. Vermont Mutual is cheapest in Keene at $27 but is not cheapest in Manchester. Get a quote for your address rather than relying on the state average to find the accurate rate for where you live.

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

New Hampshire's violation market has five different cheapest companies depending on the violation type. For full coverage, MMG Insurance is cheapest after a texting while driving violation at $69 a month. Safety Insurance is cheapest after a speeding ticket at $81 a month, and Vermont Mutual is cheapest after an at-fault accident at $85 a month.

Vermont Mutual charges clean-record drivers the same $85, so the at-fault accident adds nothing to the premium for a first offense. Progressive is cheapest after a DUI at $101 a month and handles the required SR-22 filing directly.

Mapfre Insurance is cheapest for poor credit at $121 a month. Its credit penalty is among the lowest in MoneyGeek's New Hampshire data. Its rate doesn't jump as sharply from the standard baseline as most other companies in the state. 

Mapfre scores 3.38 out of 5 on customer experience, the lowest of any company in the violations table. Get a quote from Mapfre and at least one other company to confirm whether the lower credit penalty holds for your 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

The biggest savings in New Hampshire come from carrier selection and surcharge timing. The right carrier saves up to $22 a month for full coverage. A switch from full to minimum coverage saves $30 a month. Both are worth doing before you renew.

  1. 1
    Match the carrier to your coverage type and profile and save up to $22 a month

    New Hampshire's violation market has five different cheapest companies across five violation types. MMG Insurance and GEICO both charge $63 a month for full coverage. MMG is the better choice on claims service. GEICO wins for drivers with multi-vehicle, military or federal employee discounts. MMG is also cheapest for minimum coverage at $33 a month.

    Auto-Owners is cheapest for teens and seniors. Safety Insurance is cheapest after a speeding ticket, Vermont Mutual after an at-fault accident, Progressive after a DUI and MMG after a texting violation. Quoting the carrier that matches your profile is the single action that captures the most savings here.

  2. 2
    Match coverage to your vehicle's value and save $30 a month

    Full coverage costs $30 more a month than minimum at MMG, adding up to $348 a year. Full coverage adds collision, which pays for your vehicle after an accident you cause, and comprehensive, which pays for theft, weather damage and animal strikes. Minimum coverage pays nothing toward your own vehicle in either case.

    For a vehicle worth less than $3,600, ten years of full coverage premiums would exceed the car's total-loss value. Lenders require full coverage as a condition of any loan or lease. Use the New Hampshire car insurance calculator to run the break-even math for your specific vehicle.

  3. 3
    Get new quotes for young drivers at 21 (males) and 23 (females) and save up to $27 a month

    At age 21, GEICO is cheaper than Auto-Owners for male drivers at $110 a month on a full coverage policy versus Auto-Owners' $137, a $27 monthly saving that adds up to $324 over a year. At age 23, GEICO is cheaper for female drivers at $97 a month.

    These rates reflect what each carrier charges for a driver of that age today. Insurers don't adjust a family policy automatically when a teen reaches those ages, so getting a new quote from GEICO at those two birthdays is how families find out whether moving the teen's coverage to GEICO saves on the overall policy.

  4. 4
    Get new quotes when the violation surcharge closes and recover up to $228 a month

    New Hampshire holds rate increases for at-fault accidents and DUIs to a three-year experience period. Insurers will not lower your rate automatically when the window closes, so set a calendar reminder for the month the three years end.

    The $228 monthly recovery applies only to Vermont Mutual drivers with a DUI. Vermont Mutual charges $313 a month after a DUI against its own $85 clean-record rate. During the surcharge period, Progressive at $101 a month is a better option. Get new quotes from MMG, GEICO or other carriers in the table when the window closes to confirm the lowest available rate.

  5. 5
    Improve credit and reduce the bad credit premium by up to $58 a month

    Mapfre Insurance is cheapest for poor credit in New Hampshire at $121 a month. MMG Insurance and GEICO charge $63 a month for drivers with standard credit, a $58 monthly difference that adds up to $696 a year.

    Credit is a permitted rating factor in New Hampshire, so improving your score before applying for a new policy directly reduces the rate you qualify for. Consistent on-time payments and lower credit card balances can move a score from poor to standard within 12 to 24 months.

  6. 6
    Ask about telematics programs to lower your rate

    GEICO is the only carrier among New Hampshire's cheapest options with a confirmed telematics program. DriveEasy tracks driving behavior through the GEICO app, including hard braking, phone use and time of day, and can lower the rate at renewal for safe drivers. GEICO has not published a maximum discount for the program.

    Poor driving scores during the monitoring period can raise the rate instead of lowering it. MMG Insurance and Auto-Owners don't offer telematics programs but both have multi-policy and safe-driver discounts. Ask each carrier directly for current amounts and eligibility when getting a quote.

Cheap New Hampshire Car Insurance: FAQ

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 starting at age 70
  • Violation profiles with one variable changed at a time
  • Poor-credit profile

USAA is excluded from all tables. It 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 doesn't 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 is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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