Instant New Hampshire Car Insurance Quote – NH Auto Insurance

Enter Your New Hampshire Zip Code:

Let’s face it, you need New Hampshire car insurance quotes. Drivers in New Hampshire place great trust in their insurance policies and you should be no different. You can start right away by using the form above and entering your zip code.

You will be presented with a list of companies who are offering you their best quotes and who can offer you advice on what type of policy you’ll need. Nevertheless, if you are unsure about what your options are, please keep reading. You can learn the basics of required insurance coverage, other insurance laws and average New Hampshire insurance rates.

We can’t advise you on what type of insurance you need, but we can help point you in the right direction.

Minimum Auto Insurance Requirements In New Hampshire

New Hampshire is one of a few rare states that does explicitly require you to have liability auto insurance. However, this does not mean you can just buy a car and start driving it; at least not legally. Even though insurance is not mandatory, you still have to meet New Hampshire Motor Vehicle Financial Responsibility Requirements. The Department of Safety takes Financial Responsibility very seriously.

There are a variety of ways you can meet your financial responsibility requirements. The easiest, cheapest and simplest is to purchase liability insurance. You can learn about the other methods from the links above. But for now we’ll focus just on insurance, as this is how most New Hampshire drivers meet their requirements.

If you buy New Hampshire car insurance you’ll need to make sure your policy includes at least the following:

  • $25,000 per person for bodily injury libailty insurance;
  • $50,000 per accident for bodily injury libailty insurance (max $25,000 per person);
  • $25,000 per accident for property damage liability insurance;
  • $1,000 for medical payments coverage (if auto insurance is for personal use);
  • Uninsured motorist coverage equal to your bodily injury liability coverage.

Therefore, you need to make sure when you buy a policy that all types of coverage are included. Any reputable insurer will do this automatically when issuing you a quote. You should be aware that while the limits listed above will keep you legal, they may not provide enough insurance coverage for the most serious accidents. Make sure you speak with your insurance company and/or agent before buying a policy to find out how much you should realistically be buying.

Finally, while collision and comprehensive coverage are not required by the state when you buy insurance; they may legally be required by your lender if you borrowed money to purchase your car. If you do not opt to buy it on your own, they can buy it for you and charge you the premiums.

New Hampshire State Auto Insurance Laws

As mentioned above New Hampshire does not require liability insurance, but it does require financial responsibility. Most people meet their financial responsibility requirements by buying insurance but you should read the law to find out what alternatives you have. The reason why financial responsibility is so important is that drivers in the Granite State are liable for the costs of accidents resulting from their actions (this is the basis for tort law).

Therefore, if you cause an accident you are going to be held liable for it. Thus, the state wants to make sure you’ll have the money to pay the other driver and/or victims. Moreover, even if you’re found only partially at fault you may still face expensive court fees. As a result, liability insurance financially protects at fault drivers up to the limits in their policy.

Finally, while proof of insurance is not normally required on a vehicle the state can force you to purchase it under certain situations. These may include you getting a conviction related to operating your motor vehicle (including DUIs), being responsible for a crash, and/or administrative action. If this happens to you you’ll be required to file an Owners SR-22 Certificate of Insurance. You can learn more about your SR-22 responsibilities here.

Finally, many drivers worry about their insurance being cancelled on them with little to no warning. The good news is that insurance companies are only legally allowed to cancel your policy or not renew it under very specific situations. Generally speaking things like fraud on your part or failure to pay your premiums are grounds for cancellation. Read the Cancellation and Non-Renewal Statutes to learn more.

For all other legal issues please refer to the Insurance Department’s Legal Information page.

New Hampshire Car Insurance Companies

There are hundreds of individual insurance companies licensed to sell property and casualty insurance (which includes car insurance) in the State of New Hampshire. You can find a complete company list here. So the tough part is not finding a company, but finding a good one.

A good place to start is by getting instant car insurance quotes. They can tell you which company is offering favorable rates at the moment. Your other option is to visit the websites of the largest insurance companies and insurance groups that operate in the state. The following is a list of companies that sell the majority of policies in New Hampshire and who provide rate information to the state on a regular basis (see rate section below):

Allstate Insurance Group

Amica Insurance

Bristol West Insurance Group

Casco Indemnity Insurance Company

Co-operative Insurance

Commerce Insurance Company

Concord Group Insurance


The Hanover Insurance Group, Inc.

The Hartford Financial Services Group

Liberty Mutual Group

MetLife Auto & Home

MMG Insurance Company

Mt. Washington Assurance


Peerless Insurance


Safeco Corporation

State Farm

Teachers’ Insurance Plan



Vermont Mutual Insurance

Now the insurers listed above are by no means the only game in town. Moreover, just because they are established does not mean that they are right for you. At the very least you should have a look at the list of companies who’ve had some sort of enforcement action taken against them. The more enforcement actions a company has against them, the more cautious you should be about considering them.

If you have an issue with your own insurer, you also have a right to file your own complaint with the Insurance Department.

Average New Hampshire Auto Insurance Rates

New Hampshire car insurance rates depend to a large degree on who you are, where you live and which company you choose to buy a policy from. You can get a rough idea of what you should be paying from the Premium Comparison Survey For Personal Auto Insurance published by the insurance department.

It will give you the most accurate rate information you can get without actually getting a free and easy quote. You should be happy to know that all other things being equal these rates should be slightly lower than the national average. The Insurance Information Institute found that average annual auto insurance rates in New Hampshire in 2008 were $727, about $50 less per year than the US average.

In 2011 claims the average price quoted for a policy online is $1,037 per year, compared to the average quoted price of all US car insurance polices of $1,446. Therefore, a typical driver in the state should get a slightly better rate for their policy compared to a typical US driver.

New Hampshire Car Accident Statistics

New Hampshire is among a handful of states that are relatively safe to drive in. According to the National Highway Traffic Safety Administration (NHTSA) there were 110 road deaths in 2009. This is still too many, but at least the numbers have been falling in recent years.

To put those numbers into context, the fatality rate per 100 million vehicle miles traveled is only 0.85 in New Hampshire, compared to 1.14 in the rest of the country. This puts the fatality rate at over 30% less than the national average. Even the rate of drinking and driving is lower in the state by a significant amount (27% of all fatalities versus 32% nationwide).

Accidents tend to be concentrated in the 4 worst counties according to the NHTSA. Collectively the following counties contain over two-thirds of all road fatalities in the state: Rockingham County, Hillsborough County, Merrimack County and Carroll County. Pay attention while driving and you may just be able to help further lower New Hampshire’s accident and fatality rate.

Your Options For New Hampshire Car Insurance Quotes

When it comes to getting a New Hampshire car insurance quote, maximize the options that you have. There are a lot of insurance companies (see above) that can present you with the most enticing offers. They offer a variety of insurance coverage options from the most basic to as complete coverage as you can get.

You have to find a way to narrow down your possible choices for insurance companies and coverages. One option is to hire an insurance agent or broker to do that for you. A lot of people may think that hiring an agent or broker for such a job will only add to the already high costs of their insurance premiums. The truth is, you don’t really have to pay extra. The auto insurance company that hires them will be the one to pay them.

However, be aware that their salary has to come from somewhere. Therefore, you may have better luck searching online. An agent or a broker can help you decide what you need, whereas when you shop online you have to make these decisions more independently. And just to make it a little more confusing, some auto insurance companies have online agents who can answer your questions.

Therefore, no matter which way you want to shop, getting online car insurance quotes remains a good idea. If you feel comfortable that you know what you need, then you can get quotes and even buy a policy online.

On the other hand, if you need the help of an agent you should still get online quotes. You can then either ask questions to the company’s online agent or you can use your quotes to negotiate a better rate with your offline one.

Thus, it all starts with a online insurance quotes. Get a New Hampshire car insurance quote or multiple insurance quotes using the form below. It is totally free to use, there is no obligation and all you have to do is follow the on screen instructions:

Enter Your New Hampshire Zip Code:

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