Commonly Asked Questions about Car Insurance in New Hampshire

On average, New Hampshire drivers pay just $905 per year for their car insurance. This is significantly lower than the national average of $1,311 per year, and actually makes New Hampshire the 5th least expensive state for automobile coverage. 

As a vehicle owner in New Hampshire, you can find the best rates by comparison shopping with a local independent insurance agent. These agents can help by obtaining customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at a competitive price.

Unlike in most states, car insurance is not mandatory in New Hampshire. So you may be wondering what this coverage does that makes it worth spending the money on a policy.

Accidents can happen in the blink of an eye. If you are at fault, you can be held liable for other people’s property damage and the treatment of their injuries. Given the high cost of healthcare, an accident that involves injuries can be extremely expensive and could cause you a great deal of financial harm.

If you are involved in a collision, here are a few of the ways that your New Hampshire auto insurance can help.

  • Fix your own car: We call this "comprehensive & collision coverage." Although it is not required by the state, it may be required by your lender, or by the dealership if you are leasing your vehicle.
  • Fix someone else's car: We call this "property damage liability." If you choose to purchase a car insurance policy in this state, it must include a minimum of $25,000 worth of property damage liability coverage.
  • Pay your medical bills: We call this "personal injury protection" or "PIP." This coverage also pays for medical bills for any passengers in your car who may have also been injured in the collision.
  • Pay someone else's medical bills: We call this "bodily injury liability." If you choose to purchase a car insurance policy in this state, it must include a minimum of $25,000 per person / $50,000 per accident in bodily injury liability coverage.

You can also opt to include other coverage with your car insurance policy, including roadside assistance & towing and rental car reimbursement. Talk to your local insurance agent to learn more.

The driver who caused the accident is responsible for covering the cost of damage.

Even though it is not mandatory to have car insurance in New Hampshire, only about 9.3% of vehicle owners choose to forgo it. This is because many drivers understand the financial risks of going without it.

If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage. However, if the uninsured driver simply doesn’t have the money available, it can take court orders, lawsuits, and legal action to collect just a fraction of what is due to you.

That is why uninsured motorist coverage can prove so beneficial. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then assume the time-consuming responsibility of trying to collect the money owed by the at-fault driver. 

Yes! There are currently 167 independent insurance agents in New Hampshire who are ready to help. Did you know that independent insurance agents can work with several different insurance providers to help you find the best rate for auto coverage? That way, you can buy a policy that meets all your coverage needs at a price you can afford.

The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.

How does car insurance actually work?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
  1. $81
  2. Manchester, NH Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Manchester is $81. Remember, this average only serves as a baseline. Your actual monthly cost could be higher or lower than this amount. Insurance companies will take into account things like your age, gender, and driving record, as well as details about your vehicle, when they calculate your personalized quote. 
  4. Whether you find yourself in a multi-vehicle collision on I-93 or cause a fender bender on Elm Street, a good car insurance policy can cover your costs. By purchasing a policy that includes collision coverage, you can be sure that damage to your vehicle is covered, even if the accident is your fault. Talk to an independent agent in Manchester to learn more about how each car insurance coverage option can benefit you.

  1. $72
  2. Nashua, NH Car Insurance average monthly cost
  3. The average monthly cost of auto insurance in Nashua is $72. When calculating your actual rate, insurance companies will take several factors into account, including your vehicle’s make, model and year, your age and driving record, and even your credit score. Because of this, your monthly cost could be significantly higher or lower than the city’s average.
  4. Accidents don’t just happen on highways. The New Hampshire Department of Transportation has identified Nashua’s Amherst Street where it meets Cushing Avenue, and Main Street at W. Hollis Street, as two  of the most dangerous urban intersections in the state. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you don't have to worry about an accident having a detrimental impact on your finances. As long as your policy includes collision insurance, your vehicle’s damage will be covered, even if you are at fault for the accident.

  1. 78$
  2. Concord, NH Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Concord is $78. Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a variety of factors such as your driving history and credit score and details about the vehicles you wish to insure. Let an independent insurance agent gather a variety of customized Concord car insurance quotes so you can find the policy that offers the best value.
  4. Concord residents occasionally experience flash flooding. Floods can do serious damage to cars, often leading to a total loss. Fortunately, if your policy includes comprehensive coverage, your insurance company can cover the cost to repair or replace your vehicle. Learn more about comprehensive coverage, as well as the other coverage available to you, by speaking with one of Concord’s experienced independent agents.

  1. $82
  2. Derry, NH Car Insurance average monthly cost
  3. The average monthly cost of auto insurance in Derry is $82. Because your Derry car insurance rates are customized according to your personal details, your actual monthly cost could be considerably higher or lower than this amount. Several factors, such as your driving record, your vehicle’s year, make and model, and the amount of coverage you are purchasing, can influence how insurance companies calculate your quoted price.
  4. The more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Residents of Derry have some of the longest commute times in the state. This extra time spent getting to and from work can translate into higher costs for car insurance. Talk to an independent insurance agent in Derry to find out what you can do to lower your costs on car insurance.

  1. $64
  2. Dover, NH Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Dover is $64. However, you should take this average with a grain of salt. Your monthly cost could be higher or lower than this, since your Dover auto insurance rate is completely personalized according to your driving history, vehicle information, deductible amount, and more.
  4. Although car insurance is not required in New Hampshire, these policies can prevent accidents from wreaking havoc on your finances. From minor accidents on Central Avenue to major collisions on the Spaulding Turnpike, an all-inclusive auto insurance policy can cover your losses and prevent you from facing potentially devastating lawsuits. Talk to an independent insurance agent in Dover to learn how much purchasing different levels of coverage will cost you.