Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 1, 2020

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New Hampshire Statistics SummaryDetails
Roadway Miles in StateTotal in State: 16,132
Vehicle Miles Driven: 12.97 billion
Vehicles Registered1.23 million
Most Popular VehicleChevy Silverado 1500
Uninsured Drivers9.90%
U.S. Rank: 35th
Total Traffic Fatalities Total: 102
Speeding: 58
Drunk Driving: 27
Average Annual PremiumsLiability: $401/yr
Collision: $307/yr
Comprehensive: $111/yr
Average Full Coverage Rates: $819/yr
Cheapest ProviderGeico

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New Hampshire, nicknamed The Granite State, is the owner of arguably the coolest motto ever: “Live free or die!” And nowhere is the spirit of that motto more evidenced than in the plethora of outdoor activities that the state has to offer.

From fishing on Lake Winnipesaukee to hiking up Mount Washington to skiing down the slopes of Loon Mountain, New Hampshire provides residents and visitors alike ample opportunities to embark on adventures of independence, achievement, and fulfillment.

Another way you can embody that same disposition of independence is by exercising your freedom of choice when comparing car insurance quotes from the top carriers in the state.

Table of Contents

Enter your ZIP code now to get the best auto insurance rates in the state of New Hampshire!

New Hampshire Insurance Coverage and Rates

Trying to learn the ins and outs about all the car insurance companies in New Hampshire can appear to be an impossible mountain to summit.

The good news is we’ve committed to being your sherpa along the way by collecting and organizing the important information you need to make an intelligent and confident decision about your car insurance carrier.

We’ll help you to know what the state requires, what you may want or need, and where you can get it at the best rates possible for your circumstance.

– New Hampshire Minimum Coverage

What states do not require car insurance? Do you need car insurance in New Hampshire? Can you drive without insurance in NH? We’ll answer all of these and more below.

New Hampshire is the only state that doesn’t require you to carry any car insurance coverage. However, choosing to forego insurance altogether may expose you to great financial liability and possible financial ruin in the case an at-fault accident.

New Hampshire is a fault state (also commonly referred to as “tort”), meaning the person who was at fault in the car accident is also legally and financially responsible for any resulting damages.

What are New Hampshire’s  motor vehicle financial responsibility requirements? All drivers in New Hampshire are required to carry minimum liability insurance levels of 25/50/25 to satisfy basic coverage. This means that car owners must carry the following minimum levels of liability insurance:

  • $25,000 for bodily injury or death per person in an accident caused by the owner of the insured vehicle
  • $50,000 for total bodily injury or death per accident caused by the owner of the insured vehicle
  • $25,000 for property damage per accident caused by the owner of the insured vehicle

Additionally, if you do choose to carry liability insurance, New Hampshire mandates that you also car Medical Payments Coverage (Med Pay) of at least $1,000 to cover medical expenses after a crash regardless of who is the responsible party.

If you choose to carry liability insurance, New Hampshire does require you to carry Uninsured/Underinsured Motorist coverage at the same level of your liability coverage.

The amount of risk to which you’re willing to allow yourself to be exposed is totally up to you. Part of adulting is doing the uncomfortable cost-benefit analysis to make those hard decisions about how to spend your money.

Is the amount of money you’re saving by not carrying liability coverage (or carrying the bare minimum) worth the vulnerability to potential litigation in the future? Ultimately, the decision is up to you.

If you have substantial assets that you wish to protect, you want to consider increasing your liability coverage.

The experts at the Wall Street Journal advise would advise that if you do choose to purchase liability coverage make sure to increase the limits to 100/300/50.

Moving forward, we will examine how much drivers in New Hampshire pay on average for their car insurance. The amount you will actually pay will probably differ from these given figures, but this information will give you a reasonable foundation from which you can build out your specific circumstance with confidence.

Premiums as a Percentage of Income

Comedian and former Tonight Show host Jay Leno once joked, “Worried about an IRS audit? Avoid what’s called a red flag. That’s something the IRS always looks for. For example, say you have some money left in your bank account after paying taxes. That’s a red flag.”

This humorous riff captures the concept of one’s Disposable Personal Income (DPI), which is the amount of money you retain after paying the government its share in the form of taxes.

Annual Full Coverage
Average Premiums
Monthly Full Coverage
Average Premiums
Annual Per Capita
Disposable Personal Income
Monthly Per Capita
Disposable Personal Income
Percentage of Income
$795.50$66.29$48,280.00 $4,023.33 1.65%

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You are mandated by law to carry at least the basic coverage. A full coverage policy includes liability, comprehensive, and collision insurance. Here’s a peek at the average cost of each:

Coverage TypeNational AverageNew Hampshire Average
Full Coverage$1009.38$818.75

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Now that we have sorted through some data about auto insurance costs to the individual consumer, let’s take a look at some important statistics about the insurance companies themselves.

– Loss Ratio

First, let’s tackle the concept of loss ratio and what it means for your insurance. What exactly is a loss ratio? How and why does it affect your premiums?

The insurance loss ratio is the proportionate relationship of incurred losses to earned premiums expressed as a percentage. A high loss ratio means that an insurance company has too many customers filing claims, which will subsequently lead to a rise in future premiums for all consumers.

For example, an auto insurer collects $100,000 of premiums in a given year and pays out $65,000 in claims, the company’s loss ratio is 65 percent ($65,000 incurred losses/$100,000 earned premiums).

– Add-ons, Endorsements, Riders

Just under 10 percent of drivers in New Hampshire (9.9 percent to be precise) don’t have insurance, which ranks as the 35th highest percentage in the nation.

Consult Your Guide to Understanding Auto Insurance in the Granite State provided by the New Hampshire Department of Insurance for a quick and helpful summary of all the enhancements available to you.

Despite the increasing popularity of pay-by-the-mile auto insurance plans offered by companies like Metromile, presently they are unavailable in New Hampshire.

Other Usage-Based Insurance programs (UBI) are active and available to drivers in New Hampshire. Programs like Drivewise from Allstate, Snapshot from Progressive, or SmartRide from Nationwide offer discounts to drivers based on your driving proficiency.

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In addition to these add-ons, there are several more optional enhancements that you can explore to decide which ones may be right for you:

– Male Vs. Female Rates in New Hampshire

With an official motto of “Live free or die,” the residents of New Hampshire clearly place a high premium on their independence. But who will pay a higher premium for their car insurance in the Granite State, the Independent Men or the Independent Women?

Let’s find out.

CompanySingle 17-year old female Annual RateSingle 17-year old male Annual RateSingle 25-year old female Annual RateSingle 25-year old male Annual RateMarried 35-year old female Annual RateMarried 35-year old male Annual RateMarried 60-year old female Annual RateMarried 60-year old male Annual Rate
Allstate F&C$4,044.64 $5,099.29 $2,074.05 $2,199.82 $1,971.11 $2,091.82 $2,108.93 $2,311.91
Geico General$2,567.96 $3,560.95 $1,102.51 $1,664.55 $1,057.44 $1,046.60 $946.66$946.66
Safeco Ins Co of America$18,139.34 $20,118.55 $5,209.68 $5,519.33 $4,942.38 $5,338.33 $4,025.54 $4,521.69
Nationwide Mutual$4,405.75 $5,590.99 $1,823.61 $1,956.81 $1,585.61 $1,608.07 $1,429.82 $1,499.99
Progressive Universal$6,320.20 $6,980.91 $1,610.65 $1,618.31 $1,366.59 $1,244.66 $1,188.47 $1,199.26
State Farm Mutual Auto$4,066.25 $5,031.12 $1,508.29 $1,721.50 $1,352.09 $1,352.09 $1,231.58 $1,231.58
USAA$4,269.45 $4,673.07 $1,246.20 $1,361.16 $992.31$973.40$926.28$927.55

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Here’s a look at the Most Expensive Demographic rates in the Granite State. Where do you stack up? Which company would best serve you and your family?

CompanyDemographicAverage Annual RateRank
Safeco Ins Co of AmericaSingle 17-year old male$20,118.55 1
Safeco Ins Co of AmericaSingle 17-year old female$18,139.34 2
Progressive UniversalSingle 17-year old male$6,980.91 3
Progressive UniversalSingle 17-year old female$6,320.20 4
Nationwide MutualSingle 17-year old male$5,590.99 5
Safeco Ins Co of AmericaSingle 25-year old male$5,519.33 6
Safeco Ins Co of AmericaMarried 35-year old male$5,338.33 7
Safeco Ins Co of AmericaSingle 25-year old female$5,209.68 8
Allstate F&CSingle 17-year old male$5,099.29 9
State Farm Mutual AutoSingle 17-year old male$5,031.12 10
Safeco Ins Co of AmericaMarried 35-year old female$4,942.38 11
USAASingle 17-year old male$4,673.07 12
Safeco Ins Co of AmericaMarried 60-year old male$4,521.69 13
Nationwide MutualSingle 17-year old female$4,405.75 14
USAASingle 17-year old female$4,269.45 15
State Farm Mutual AutoSingle 17-year old female$4,066.25 16
Allstate F&CSingle 17-year old female$4,044.64 17
Safeco Ins Co of AmericaMarried 60-year old female$4,025.54 18
Geico GeneralSingle 17-year old male$3,560.95 19
Geico GeneralSingle 17-year old female$2,567.96 20
Allstate F&CMarried 60-year old male$2,311.91 21
Allstate F&CSingle 25-year old male$2,199.82 22
Allstate F&CMarried 60-year old female$2,108.93 23
Allstate F&CMarried 35-year old male$2,091.82 24
Allstate F&CSingle 25-year old female$2,074.05 25
Allstate F&CMarried 35-year old female$1,971.11 26
Nationwide MutualSingle 25-year old male$1,956.81 27
Nationwide MutualSingle 25-year old female$1,823.61 28
State Farm Mutual AutoSingle 25-year old male$1,721.50 29
Geico GeneralSingle 25-year old male$1,664.55 30
Progressive UniversalSingle 25-year old male$1,618.31 31
Progressive UniversalSingle 25-year old female$1,610.65 32
Nationwide MutualMarried 35-year old male$1,608.07 33
Nationwide MutualMarried 35-year old female$1,585.61 34
State Farm Mutual AutoSingle 25-year old female$1,508.29 35
Nationwide MutualMarried 60-year old male$1,499.99 36
Nationwide MutualMarried 60-year old female$1,429.82 37
Progressive UniversalMarried 35-year old female$1,366.59 38
USAASingle 25-year old male$1,361.16 39
State Farm Mutual AutoMarried 35-year old female$1,352.09 40
State Farm Mutual AutoMarried 35-year old male$1,352.09 40
USAASingle 25-year old female$1,246.20 42
Progressive UniversalMarried 35-year old male$1,244.66 43
State Farm Mutual AutoMarried 60-year old female$1,231.58 44
State Farm Mutual AutoMarried 60-year old male$1,231.58 44
Progressive UniversalMarried 60-year old male$1,199.26 46
Progressive UniversalMarried 60-year old female$1,188.47 47
Geico GeneralSingle 25-year old female$1,102.51 48
Geico GeneralMarried 35-year old female$1,057.44 49
Geico GeneralMarried 35-year old male$1,046.60 50
USAAMarried 35-year old female$992.3151
USAAMarried 35-year old male$973.4052
Geico GeneralMarried 60-year old female$946.6653
Geico GeneralMarried 60-year old male$946.6653
USAAMarried 60-year old male$927.5555
USAAMarried 60-year old female$926.2856

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While you cannot ever put a price on independence, it’s if you’re an independent woman who is single and 17 in New Hampshire, you’re going pay to over four times as much be insured with USAA than a married 35-year-old woman.

– New Hampshire Insurance Rates by Zip Code

Will you get more affordable car insurance coverage living closer to lakes, the mountains, or the forests?

Let’s find out by taking a look at the most expensive zip codes in New Hampshire. Here is a chart with the average annual premiums in New Hampshire by zip code:

RankZip CodeGrand TotalCompared to Average
103104$3,845.88 $686.89
203101$3,835.72 $676.73
303102$3,825.66 $666.67
403103$3,762.33 $603.34
503841$3,735.99 $577.00
603811$3,725.58 $566.59
703109$3,720.88 $561.89
803826$3,695.88 $536.89
903858$3,694.35 $535.36
1003848$3,689.28 $530.29
1103079$3,678.46 $519.47
1203865$3,653.43 $494.44
1303087$3,648.72 $489.73
1403827$3,640.47 $481.48
1503076$3,611.18 $452.19
1603874$3,610.79 $451.80
1703859$3,512.48 $353.49
1803060$3,451.59 $292.60
1903819$3,424.28 $265.29
2003064$3,405.94 $246.95
2103032$3,404.93 $245.94
2203062$3,400.72 $241.73
2303038$3,394.58 $235.59
2403063$3,389.41 $230.42
2503049$3,331.53 $172.54
2603053$3,324.24 $165.25
2703073$3,314.36 $155.37
2803045$3,294.84 $135.85
2903031$3,277.35 $118.36
3003110$3,272.93 $113.94
3103873$3,269.18 $110.19
3203106$3,268.15 $109.16
3303070$3,263.40 $104.41
3403281$3,260.44 $101.45
3503051$3,242.99 $84.00
3603046$3,227.36 $68.37
3703052$3,214.50 $55.51
3803036$3,213.97 $54.98
3903054$3,201.58 $42.59
4003055$3,200.23 $41.24
4103833$3,197.58 $38.59
4203862$3,194.47 $35.48
4303033$3,187.78 $28.79
4403041$3,185.18 $26.19
4503856$3,180.82 $21.83
4603044$3,176.64 $17.65
4703842$3,174.72 $15.73
4803048$3,173.94 $14.95
4903885$3,173.12 $14.13
5003261$3,172.67 $13.68
5103570$3,170.23 $11.24
5203084$3,168.50 $9.51
5303590$3,164.31 $5.32
5403871$3,164.19 $5.20
5503844$3,163.02 $4.03
5603575$3,162.30 $3.31
5703586$3,161.98 $2.99
5803870$3,161.79 $2.80
5903034$3,161.67 $2.68
6003576$3,160.98 $1.99
6103071$3,160.05 $1.06
6203086$3,159.94 $0.95
6303579$3,159.78 $0.79
6403582$3,159.77 $0.78
6603593$3,156.04 -$2.95
6703592$3,154.79 -$4.20
6803840$3,153.42 -$5.57
6903588$3,152.90 -$6.09
7003249$3,151.96 -$7.03
7103585$3,150.03 -$8.96
7203584$3,149.75 -$9.24
7303246$3,149.74 -$9.25
7403740$3,149.45 -$9.54
7503785$3,148.85 -$10.14
7603244$3,147.66 -$11.33
7703037$3,146.95 -$12.04
7803468$3,146.12 -$12.87
7903823$3,144.79 -$14.20
8003082$3,144.30 -$14.69
8103057$3,143.93 -$15.06
8203215$3,143.86 -$15.13
8203238$3,143.86 -$15.13
8403234$3,143.33 -$15.66
8503458$3,142.33 -$16.66
8603852$3,140.95 -$18.04
8703043$3,140.88 -$18.11
8803242$3,139.93 -$19.06
8903825$3,139.52 -$19.47
9003583$3,138.79 -$20.20
9103817$3,138.62 -$20.37
9103850$3,138.62 -$20.37
9103883$3,138.62 -$20.37
9103890$3,138.62 -$20.37
9103897$3,138.62 -$20.37
9603774$3,138.01 -$20.98
9703561$3,137.67 -$21.32
9803263$3,137.04 -$21.95
9903589$3,136.79 -$22.20
9903597$3,136.79 -$22.20
9903765$3,136.79 -$22.20
9903771$3,136.79 -$22.20
9903780$3,136.79 -$22.20
9903832$3,136.79 -$22.20
9903838$3,136.79 -$22.20
9903847$3,136.79 -$22.20
10703580$3,136.50 -$22.49
10803824$3,136.38 -$22.61
10903884$3,136.05 -$22.94
11003598$3,135.81 -$23.18
11103845$3,133.95 -$25.04
11203846$3,133.18 -$25.81
11303237$3,132.54 -$26.45
11403442$3,132.50 -$26.49
11503813$3,132.06 -$26.93
11603595$3,131.61 -$27.38
11703440$3,131.41 -$27.58
11803259$3,130.46 -$28.53
11903886$3,130.38 -$28.61
12003812$3,130.25 -$28.74
12103861$3,129.92 -$29.07
12203816$3,129.85 -$29.14
12303282$3,129.14 -$29.85
12403875$3,129.12 -$29.87
12503849$3,129.06 -$29.93
12603860$3,127.97 -$31.02
12703254$3,127.11 -$31.88
12803830$3,127.00 -$31.99
12903289$3,126.81 -$32.18
13003047$3,126.80 -$32.19
13103743$3,126.70 -$32.29
13103864$3,126.70 -$32.29
13303814$3,126.34 -$32.65
13403872$3,126.15 -$32.84
13503227$3,126.14 -$32.85
13603882$3,125.99 -$33.00
13703773$3,125.79 -$33.20
13803836$3,125.50 -$33.49
13903574$3,125.16 -$33.83
14003279$3,124.58 -$34.41
14103818$3,124.54 -$34.45
14203290$3,124.15 -$34.84
14203820$3,124.15 -$34.84
14403262$3,123.89 -$35.10
14503255$3,120.94 -$38.05
14603449$3,120.67 -$38.32
14703447$3,118.97 -$40.02
14803285$3,118.72 -$40.27
14903251$3,118.08 -$40.91
15003225$3,117.31 -$41.68
15103470$3,113.18 -$45.81
15203857$3,112.71 -$46.28
15303749$3,112.22 -$46.77
15403887$3,111.28 -$47.71
15503603$3,109.13 -$49.86
15603602$3,108.89 -$50.10
15703601$3,108.67 -$50.32
15803451$3,108.29 -$50.70
15903465$3,107.78 -$51.21
16003461$3,107.24 -$51.75
16103224$3,106.71 -$52.28
16203456$3,105.83 -$53.16
16303040$3,103.42 -$55.57
16403218$3,103.25 -$55.74
16503896$3,103.04 -$55.95
16603815$3,102.44 -$56.55
16703605$3,102.34 -$56.65
16803441$3,101.79 -$57.20
16903452$3,101.63 -$57.36
17003609$3,101.57 -$57.42
17103231$3,100.58 -$58.41
17203233$3,099.14 -$59.85
17303581$3,098.48 -$60.51
17403462$3,098.02 -$60.97
17503464$3,097.91 -$61.08
17603769$3,097.73 -$61.26
17603779$3,097.73 -$61.26
17803855$3,097.12 -$61.87
17903608$3,094.82 -$64.17
18003777$3,094.76 -$64.23
18103240$3,094.36 -$64.63
18203894$3,094.29 -$64.70
18303752$3,092.66 -$66.33
18403266$3,091.88 -$67.11
18503241$3,091.74 -$67.25
18603443$3,091.00 -$67.99
18603457$3,091.00 -$67.99
18603604$3,091.00 -$67.99
18603607$3,091.00 -$67.99
19003751$3,090.66 -$68.33
19103853$3,090.41 -$68.58
19203448$3,090.10 -$68.89
19303217$3,089.85 -$69.14
19403220$3,089.09 -$69.90
19403745$3,089.09 -$69.90
19603746$3,088.79 -$70.20
19703768$3,087.85 -$71.14
19803222$3,087.63 -$71.36
19903467$3,087.02 -$71.97
20003223$3,086.71 -$72.28
20103455$3,085.99 -$73.00
20203445$3,085.58 -$73.41
20303256$3,085.51 -$73.48
20403837$3,085.25 -$73.74
20503809$3,084.47 -$74.52
20603782$3,084.02 -$74.97
20703077$3,083.73 -$75.26
20803276$3,083.36 -$75.63
20903253$3,082.56 -$76.43
21003466$3,082.21 -$76.78
21103278$3,081.47 -$77.52
21203851$3,081.10 -$77.89
21303444$3,081.03 -$77.96
21403268$3,079.41 -$79.58
21503754$3,077.33 -$81.66
21603770$3,077.25 -$81.74
21703042$3,074.73 -$84.26
21803269$3,073.67 -$85.32
21903835$3,072.68 -$86.31
22003741$3,071.72 -$87.27
22103781$3,070.81 -$88.18
22203243$3,070.38 -$88.61
22303307$3,070.22 -$88.77
22403216$3,070.06 -$88.93
22503235$3,068.97 -$90.02
22603784$3,068.10 -$90.89
22703257$3,066.31 -$92.68
22803810$3,066.17 -$92.82
22903750$3,065.88 -$93.11
23003450$3,064.85 -$94.14
23103252$3,064.63 -$94.36
23203230$3,063.98 -$95.01
23303287$3,063.82 -$95.17
23403226$3,057.79 -$101.20
23503280$3,055.34 -$103.65
23603260$3,052.95 -$106.04
23703854$3,049.39 -$109.60
23803801$3,046.47 -$112.52
23903748$3,039.66 -$119.33
24003272$3,038.38 -$120.61
24103446$3,037.08 -$121.91
24203284$3,033.79 -$125.20
24303755$3,032.36 -$126.63
24403766$3,030.03 -$128.96
24503245$3,029.02 -$129.97
24603869$3,028.86 -$130.13
24703753$3,023.42 -$135.57
24803291$3,013.06 -$145.93
24903264$2,994.72 -$164.27
25003258$2,993.83 -$165.16
25103273$2,991.56 -$167.43
25203839$2,986.51 -$172.48
25303867$2,980.81 -$178.18
25303868$2,980.81 -$178.18
25503878$2,978.65 -$180.34
25603274$2,977.73 -$181.26
25703221$2,967.97 -$191.02
25803275$2,962.53 -$196.46
25903304$2,960.07 -$198.92
26003301$2,935.65 -$223.34
26103303$2,919.52 -$239.47
26203229$2,913.60 -$245.39
26303435$2,901.99 -$257.00
26403431$2,887.77 -$271.22

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-New Hampshire Insurance Rates by City

Zip CodeAnnual RateCompared to Average
MANCHESTER$3,845.88 $686.89
MANCHESTER$3,835.72 $676.73
MANCHESTER$3,825.66 $666.67
MANCHESTER$3,762.33 $603.34
HAMPSTEAD$3,735.99 $577.00
ATKINSON$3,725.58 $566.59
MANCHESTER$3,720.88 $561.89
EAST HAMPSTEAD$3,695.88 $536.89
NEWTON$3,694.35 $535.36
KINGSTON$3,689.28 $530.29
SALEM$3,678.46 $519.47
PLAISTOW$3,653.43 $494.44
WINDHAM$3,648.72 $489.73
EAST KINGSTON$3,640.47 $481.48
PELHAM$3,611.18 $452.19
SEABROOK$3,610.79 $451.80
NEWTON JUNCTION$3,512.48 $353.49
NASHUA$3,451.59 $292.60
DANVILLE$3,424.28 $265.29
NASHUA$3,405.94 $246.95
AUBURN$3,404.93 $245.94
NASHUA$3,400.72 $241.73
DERRY$3,394.58 $235.59
NASHUA$3,389.41 $230.42
HOLLIS$3,331.53 $172.54
LONDONDERRY$3,324.24 $165.25
NORTH SALEM$3,314.36 $155.37
GOFFSTOWN$3,294.84 $135.85
AMHERST$3,277.35 $118.36
BEDFORD$3,272.93 $113.94
SANDOWN$3,269.18 $110.19
HOOKSETT$3,268.15 $109.16
NEW BOSTON$3,263.40 $104.41
WEARE$3,260.44 $101.45
HUDSON$3,242.99 $84.00
DUNBARTON$3,227.36 $68.37
LITCHFIELD$3,214.50 $55.51
CHESTER$3,213.97 $54.98
MERRIMACK$3,201.58 $42.59
MILFORD$3,200.23 $41.24
EXETER$3,197.58 $38.59
NORTH HAMPTON$3,194.47 $35.48
BROOKLINE$3,187.78 $28.79
EAST DERRY$3,185.18 $26.19
NEWFIELDS$3,180.82 $21.83
FREMONT$3,176.64 $17.65
HAMPTON$3,174.72 $15.73
GREENVILLE$3,173.94 $14.95
STRATHAM$3,173.12 $14.13
NORTHWOOD$3,172.67 $13.68
BERLIN$3,170.23 $11.24
TEMPLE$3,168.50 $9.51
NORTH STRATFORD$3,164.31 $5.32
RYE BEACH$3,164.19 $5.20
HAMPTON FALLS$3,163.02 $4.03
BRETTON WOODS$3,162.30 $3.31
SUGAR HILL$3,161.98 $2.99
RYE$3,161.79 $2.80
CANDIA$3,161.67 $2.68
COLEBROOK$3,160.98 $1.99
NEW IPSWICH$3,160.05 $1.06
WILTON$3,159.94 $0.95
ERROL$3,159.78 $0.79
GROVETON$3,159.77 $0.78
RANDOLPH$3,156.04 ($2.95)
PITTSBURG$3,154.79 ($4.20)
GREENLAND$3,153.42 ($5.57)
MILAN$3,152.90 ($6.09)
GILFORD$3,151.96 ($7.03)
LISBON$3,150.03 ($8.96)
LANCASTER$3,149.75 ($9.24)
LACONIA$3,149.74 ($9.25)
BATH$3,149.45 ($9.54)
WOODSVILLE$3,148.85 ($10.14)
HILLSBOROUGH$3,147.66 ($11.33)
DEERFIELD$3,146.95 ($12.04)
WEST PETERBOROUGH$3,146.12 ($12.87)
MADBURY$3,144.79 ($14.20)
LYNDEBOROUGH$3,144.30 ($14.69)
MONT VERNON$3,143.93 ($15.06)
WATERVILLE VALLEY$3,143.86 ($15.13)
GLENCLIFF$3,143.86 ($15.13)
EPSOM$3,143.33 ($15.66)
PETERBOROUGH$3,142.33 ($16.66)
MILTON MILLS$3,140.95 ($18.04)
FRANCESTOWN$3,140.88 ($18.11)
HENNIKER$3,139.93 ($19.06)
BARRINGTON$3,139.52 ($19.47)
JEFFERSON$3,138.79 ($20.20)
CHOCORUA$3,138.62 ($20.37)
MELVIN VILLAGE$3,138.62 ($20.37)
SOUTH TAMWORTH$3,138.62 ($20.37)
WEST OSSIPEE$3,138.62 ($20.37)
WONALANCET$3,138.62 ($20.37)
NORTH HAVERHILL$3,138.01 ($20.98)
LITTLETON$3,137.67 ($21.32)
PITTSFIELD$3,137.04 ($21.95)
MOUNT WASHINGTON$3,136.79 ($22.20)
WEST STEWARTSTOWN$3,136.79 ($22.20)
HAVERHILL$3,136.79 ($22.20)
MONROE$3,136.79 ($22.20)
PIKE$3,136.79 ($22.20)
EATON CENTER$3,136.79 ($22.20)
GLEN$3,136.79 ($22.20)
KEARSARGE$3,136.79 ($22.20)
FRANCONIA$3,136.50 ($22.49)
DURHAM$3,136.38 ($22.61)
STRAFFORD$3,136.05 ($22.94)
WHITEFIELD$3,135.81 ($23.18)
INTERVALE$3,133.95 ($25.04)
JACKSON$3,133.18 ($25.81)
GILMANTON$3,132.54 ($26.45)
BENNINGTON$3,132.50 ($26.49)
CENTER CONWAY$3,132.06 ($26.93)
TWIN MOUNTAIN$3,131.61 ($27.38)
ANTRIM$3,131.41 ($27.58)
NORTH SANDWICH$3,130.46 ($28.53)
TAMWORTH$3,130.38 ($28.61)
BARTLETT$3,130.25 ($28.74)
LEE$3,129.92 ($29.07)
CENTER TUFTONBORO$3,129.85 ($29.14)
WENTWORTH$3,129.14 ($29.85)
SILVER LAKE$3,129.12 ($29.87)
MADISON$3,129.06 ($29.93)
NORTH CONWAY$3,127.97 ($31.02)
MOULTONBOROUGH$3,127.11 ($31.88)
EAST WAKEFIELD$3,127.00 ($31.99)
WINNISQUAM$3,126.81 ($32.18)
GREENFIELD$3,126.80 ($32.19)
CLAREMONT$3,126.70 ($32.29)
OSSIPEE$3,126.70 ($32.29)
CENTER OSSIPEE$3,126.34 ($32.65)
SANBORNVILLE$3,126.15 ($32.84)
CENTER SANDWICH$3,126.14 ($32.85)
EFFINGHAM$3,125.99 ($33.00)
NEWPORT$3,125.79 ($33.20)
FREEDOM$3,125.50 ($33.49)
BETHLEHEM$3,125.16 ($33.83)
WARREN$3,124.58 ($34.41)
CONWAY$3,124.54 ($34.45)
NOTTINGHAM$3,124.15 ($34.84)
DOVER$3,124.15 ($34.84)
NORTH WOODSTOCK$3,123.89 ($35.10)
NEWBURY$3,120.94 ($38.05)
HANCOCK$3,120.67 ($38.32)
FITZWILLIAM$3,118.97 ($40.02)
THORNTON$3,118.72 ($40.27)
LINCOLN$3,118.08 ($40.91)
CENTER BARNSTEAD$3,117.31 ($41.68)
WINCHESTER$3,113.18 ($45.81)
NEWMARKET$3,112.71 ($46.28)
ENFIELD CENTER$3,112.22 ($46.77)
UNION$3,111.28 ($47.71)
CHARLESTOWN$3,109.13 ($49.86)
ALSTEAD$3,108.89 ($50.10)
ACWORTH$3,108.67 ($50.32)
HINSDALE$3,108.29 ($50.70)
TROY$3,107.78 ($51.21)
RINDGE$3,107.24 ($51.75)
CANTERBURY$3,106.71 ($52.28)
MARLOW$3,105.83 ($53.16)
EAST CANDIA$3,103.42 ($55.57)
BARNSTEAD$3,103.25 ($55.74)
WOLFEBORO FALLS$3,103.04 ($55.95)
CENTER STRAFFORD$3,102.44 ($56.55)
LEMPSTER$3,102.34 ($56.65)
ASHUELOT$3,101.79 ($57.20)
JAFFREY$3,101.63 ($57.36)
NORTH WALPOLE$3,101.57 ($57.42)
EAST ANDOVER$3,100.58 ($58.41)
ELKINS$3,099.14 ($59.85)
GORHAM$3,098.48 ($60.51)
SPOFFORD$3,098.02 ($60.97)
STODDARD$3,097.91 ($61.08)
LYME CENTER$3,097.73 ($61.26)
PIERMONT$3,097.73 ($61.26)
NEW DURHAM$3,097.12 ($61.87)
WALPOLE$3,094.82 ($64.17)
ORFORD$3,094.76 ($64.23)
GRAFTON$3,094.36 ($64.63)
WOLFEBORO$3,094.29 ($64.70)
GOSHEN$3,092.66 ($66.33)
RUMNEY$3,091.88 ($67.11)
HEBRON$3,091.74 ($67.25)
CHESTERFIELD$3,091.00 ($67.99)
NELSON$3,091.00 ($67.99)
DREWSVILLE$3,091.00 ($67.99)
SOUTH ACWORTH$3,091.00 ($67.99)
GEORGES MILLS$3,090.66 ($68.33)
MIRROR LAKE$3,090.41 ($68.58)
GILSUM$3,090.10 ($68.89)
ASHLAND$3,089.85 ($69.14)
BELMONT$3,089.09 ($69.90)
CORNISH$3,089.09 ($69.90)
CORNISH FLAT$3,088.79 ($70.20)
LYME$3,087.85 ($71.14)
BRISTOL$3,087.63 ($71.36)
WESTMORELAND$3,087.02 ($71.97)
CAMPTON$3,086.71 ($72.28)
MARLBOROUGH$3,085.99 ($73.00)
SULLIVAN$3,085.58 ($73.41)
NEW HAMPTON$3,085.51 ($73.48)
GILMANTON IRON WORKS$3,085.25 ($73.74)
ALTON$3,084.47 ($74.52)
SUNAPEE$3,084.02 ($74.97)
RAYMOND$3,083.73 ($75.26)
TILTON$3,083.36 ($75.63)
MEREDITH$3,082.56 ($76.43)
WEST CHESTERFIELD$3,082.21 ($76.78)
WARNER$3,081.47 ($77.52)
MILTON$3,081.10 ($77.89)
DUBLIN$3,081.03 ($77.96)
SALISBURY$3,079.41 ($79.58)
GUILD$3,077.33 ($81.66)
MERIDEN$3,077.25 ($81.74)
EPPING$3,074.73 ($84.26)
SANBORNTON$3,073.67 ($85.32)
FARMINGTON$3,072.68 ($86.31)
CANAAN$3,071.72 ($87.27)
PLAINFIELD$3,070.81 ($88.18)
HILL$3,070.38 ($88.61)
LOUDON$3,070.22 ($88.77)
ANDOVER$3,070.06 ($88.93)
FRANKLIN$3,068.97 ($90.02)
WEST LEBANON$3,068.10 ($90.89)
NEW LONDON$3,066.31 ($92.68)
ALTON BAY$3,066.17 ($92.82)
ETNA$3,065.88 ($93.11)
HARRISVILLE$3,064.85 ($94.14)
LOCHMERE$3,064.63 ($94.36)
DANBURY$3,063.98 ($95.01)
WILMOT$3,063.82 ($95.17)
CENTER HARBOR$3,057.79 ($101.20)
WASHINGTON$3,055.34 ($103.65)
NORTH SUTTON$3,052.95 ($106.04)
NEW CASTLE$3,049.39 ($109.60)
PORTSMOUTH$3,046.47 ($112.52)
ENFIELD$3,039.66 ($119.33)
SOUTH NEWBURY$3,038.38 ($120.61)
SWANZEY$3,037.08 ($121.91)
SPRINGFIELD$3,033.79 ($125.20)
HANOVER$3,032.36 ($126.63)
LEBANON$3,030.03 ($128.96)
HOLDERNESS$3,029.02 ($129.97)
ROLLINSFORD$3,028.86 ($130.13)
GRANTHAM$3,023.42 ($135.57)
WEST NOTTINGHAM$3,013.06 ($145.93)
PLYMOUTH$2,994.72 ($164.27)
CHICHESTER$2,993.83 ($165.16)
SOUTH SUTTON$2,991.56 ($167.43)
ROCHESTER$2,986.51 ($172.48)
ROCHESTER$2,980.81 ($178.18)
ROCHESTER$2,980.81 ($178.18)
SOMERSWORTH$2,978.65 ($180.34)
STINSON LAKE$2,977.73 ($181.26)
BRADFORD$2,967.97 ($191.02)
SUNCOOK$2,962.53 ($196.46)
BOW$2,960.07 ($198.92)
CONCORD$2,935.65 ($223.34)
CONCORD$2,919.52 ($239.47)
CONTOOCOOK$2,913.60 ($245.39)
KEENE$2,901.99 ($257.00)
KEENE$2,887.77 ($271.22)

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New Hampshire Car Insurance Companies

Who has the cheapest car insurance in NH? Is car insurance cheaper in New Hampshire? Making the right choice on your auto insurance coverage is an important decision. That decision can be even more difficult to make when you consider the hundreds of different companies from which to choose.

How can you possibly do enough research on each one to be confident with your selection? Who’s going to give you the best rates? Who has the best customer service? Do you qualify for any discounts or upgrades?

Fear not! We will assist you in figuring out which data is most meaningful to you when deciding on the best car insurance company for you.

You should seriously take into account the public reputation and perception of any company from which you’re considering purchasing auto insurance.

Be very wary of any company that is notorious for having a troubling reputation.

An insurer’s public reputation can be a clear indication of the kind of rates it offers to its consumers. We’ll show how the largest companies rate in the areas of financial stability and customer satisfaction.

– Financial Ratings

AM Best is a credit rating agency. It evaluates insurance companies and grades them based on their financial stability. The table below shows the ten largest insurance companies in New Hampshire as measured by direct premiums written with their AM Best rating.

CompanyDirect Premiums WrittenAM Best Rating
State Farm$106,434A++
Liberty Mutual$97,114A

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– Customer Satisfaction Ratings


– Companies in New Hampshire with the Most and Least Complaints

Loyalty. Trust. Honesty. Communication. Devotion. These are all ingredients for a long-lasting and relationship in which both parties are satisfied.

However, in some cases, long-term viability is impossible. No matter what one party says or does, the other party can never be pleased. As far as satisfaction is concerned: They’re never gonna get it.

In such cases where the customer is dissatisfied, he or she can file a complaint. Those complaints, justified or not, are factored into a company’s complaint ratios.

The complaint ratio is how many complaints a company receive per one million dollars of business written.

If you wish to file a complaint against an auto insurer in the state of New Hampshire, use this online form.

– Largest Car Insurance Companies in New Hampshire

This chart gives a visual representation of the car insurance companies with the largest market share in New Hampshire — that includes Geico auto insurance, State Farm car insurance, Progressive insurance, and Allstate.


Complaint Ratios for New Hampshire’s 10 Largest Auto Insurers


There are just under 700 auto insurance companies registered in the state of New Hampshire (697 to be exact). Of the 697, 50 of them are local to the Granite State; while 647 located out of state.

– New Hampshire Car Insurance Rates by Company

Now, we’re going to compare and contrast the top car insurance companies to see which of them give the best rates on average in New Hampshire.

New Hampshire Rates by Carrier and Commute

Company10-mile Commute/6,000 Annual Mileage25-Mile Commute/12,000 annual mileage
Geico$1,598.00 $1,625.33
USAA$1,901.80 $1,940.56
State Farm$2,137.31 $2,236.31
Nationwide$2,487.58 $2,487.58
Progressive$2,691.13 $2,691.13
Allstate$2,700.46 $2,774.94
Liberty Mutual$8,476.86 $8,476.86

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New Hampshire Rates by Carrier and Coverage Level

CompanyCoverage TypeAverage Annual Rate
Liberty MutualHigh$8,836.20
Liberty MutualMedium$8,450.31
Liberty MutualLow$8,144.06
State FarmHigh$2,282.92
State FarmMedium$2,189.03
State FarmLow$2,088.49

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New Hampshire Rates by Carrier and Credit History

Have you ever wondered how your credit history influences the quotes you receive from car insurance companies? Consumer Reports conducted a study for New Hampshire analyzing the effect of credit history on premiums.

CompanyCredit HistoryAverage Annual Rate
State FarmGood$1,536.16
State FarmFair$1,927.69
State FarmPoor$3,096.59
Liberty MutualGood$5,820.50
Liberty MutualFair$7,441.23
Liberty MutualPoor$12,168.83

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New Hampshire Rates by Carrier and Driving Record

Traffic violations will more than likely have a negative impact on your car insurance rates. How severely they will be affected will differ from company to company. Each auto insurer has its own underwriting criteria and assesses violations differently. Here is a quick look at how top car insurance companies in New Hampshire price various driving infractions:

CompanyDriving RecordAverage Annual Rate
GeicoClean record$1,437.50
GeicoWith 1 speeding violation$1,437.50
USAAClean record$1,483.03
GeicoWith 1 accident$1,590.83
USAAWith 1 speeding violation$1,724.12
NationwideClean record$1,914.01
GeicoWith 1 DUI$1,980.83
USAAWith 1 accident$1,996.60
State FarmClean record$2,013.89
State FarmWith 1 speeding violation$2,013.89
NationwideWith 1 speeding violation$2,129.05
State FarmWith 1 accident$2,157.23
AllstateClean record$2,276.40
ProgressiveClean record$2,312.48
USAAWith 1 DUI$2,480.96
ProgressiveWith 1 DUI$2,550.23
State FarmWith 1 DUI$2,562.23
AllstateWith 1 speeding violation$2,655.21
NationwideWith 1 accident$2,657.49
ProgressiveWith 1 speeding violation$2,711.71
AllstateWith 1 DUI$2,923.20
AllstateWith 1 accident$3,095.98
ProgressiveWith 1 accident$3,190.12
NationwideWith 1 DUI$3,249.78
Liberty MutualClean record$5,324.37
Liberty MutualWith 1 speeding violation$9,084.16
Liberty MutualWith 1 accident$9,624.42
Liberty MutualWith 1 DUI$9,874.47

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New Hampshire Rates by Carrier and Demographic

CompanyDemographicAverage Annual Rate
USAAMarried 60-year old female$926.28
USAAMarried 60-year old male$927.55
Geico GeneralMarried 60-year old female$946.66
Geico GeneralMarried 60-year old male$946.66
USAAMarried 35-year old male$973.40
USAAMarried 35-year old female$992.31
Geico GeneralMarried 35-year old male$1,046.60
Geico GeneralMarried 35-year old female$1,057.44
Geico GeneralSingle 25-year old female$1,102.51
Progressive UniversalMarried 60-year old female$1,188.47
Progressive UniversalMarried 60-year old male$1,199.26
State Farm Mutual AutoMarried 60-year old female$1,231.58
State Farm Mutual AutoMarried 60-year old male$1,231.58
Progressive UniversalMarried 35-year old male$1,244.66
USAASingle 25-year old female$1,246.20
State Farm Mutual AutoMarried 35-year old female$1,352.09
State Farm Mutual AutoMarried 35-year old male$1,352.09
USAASingle 25-year old male$1,361.16
Progressive UniversalMarried 35-year old female$1,366.59
Nationwide MutualMarried 60-year old female$1,429.82
Nationwide MutualMarried 60-year old male$1,499.99
State Farm Mutual AutoSingle 25-year old female$1,508.29
Nationwide MutualMarried 35-year old female$1,585.61
Nationwide MutualMarried 35-year old male$1,608.07
Progressive UniversalSingle 25-year old female$1,610.65
Progressive UniversalSingle 25-year old male$1,618.31
Geico GeneralSingle 25-year old male$1,664.55
State Farm Mutual AutoSingle 25-year old male$1,721.50
Nationwide MutualSingle 25-year old female$1,823.61
Nationwide MutualSingle 25-year old male$1,956.81
Allstate F&CMarried 35-year old female$1,971.11
Allstate F&CSingle 25-year old female$2,074.05
Allstate F&CMarried 35-year old male$2,091.82
Allstate F&CMarried 60-year old female$2,108.93
Allstate F&CSingle 25-year old male$2,199.82
Allstate F&CMarried 60-year old male$2,311.91
Geico GeneralSingle 17-year old female$2,567.96
Geico GeneralSingle 17-year old male$3,560.95
Safeco Ins Co of AmericaMarried 60-year old female$4,025.54
Allstate F&CSingle 17-year old female$4,044.64
State Farm Mutual AutoSingle 17-year old female$4,066.25
USAASingle 17-year old female$4,269.45
Nationwide MutualSingle 17-year old female$4,405.75
Safeco Ins Co of AmericaMarried 60-year old male$4,521.69
USAASingle 17-year old male$4,673.07
Safeco Ins Co of AmericaMarried 35-year old female$4,942.38
State Farm Mutual AutoSingle 17-year old male$5,031.12
Allstate F&CSingle 17-year old male$5,099.29
Safeco Ins Co of AmericaSingle 25-year old female$5,209.68
Safeco Ins Co of AmericaMarried 35-year old male$5,338.33
Safeco Ins Co of AmericaSingle 25-year old male$5,519.33
Nationwide MutualSingle 17-year old male$5,590.99
Progressive UniversalSingle 17-year old female$6,320.20
Progressive UniversalSingle 17-year old male$6,980.91
Safeco Ins Co of AmericaSingle 17-year old female$18,139.34
Safeco Ins Co of AmericaSingle 17-year old male$20,118.55

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Note: Focus on the company that best suits your specific circumstance.

A married 35-year-old female will pay $1,352.09 on average with State Farm, compared to $4,942.38 she would pay with Safeco.

When shopping for the best car insurance rates for your personal situation, you must choose to do it your way.

Your life, your insurance, your choice. You have to do it your way and select the company that’s best for you!

The only way to ensure that you’re getting the most favorable premium quotes is to compare rates from multiple carriers.

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Another way to be certain you can maintain low insurance rates is to be a good driver. In order to be a good driver requires that you know the rules of the road and that you obey them. We’ll review the laws of the Granite State so that you can keep a rock-solid driving record.

New Hampshire Laws

Trying to memorize every traffic law in New Hampshire would be both mind-numbing and impractical. We’ll help you to sift through the non-essentials and highlight those regulations which are most relevant New Hampshire drivers.

– Car Insurance Laws

State laws have considerable influence on auto insurance. Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

Insurance companies in New Hampshire are subject to the regulations set by that state insurance commissioner. Ultimately, all rates and regulations must meet the fair competition standards set by the National Association of Insurance Commissioners (NAIC).

Car Insurance Rate-Setting Regulations

“Open competition” is the capitalistic process in which rates are formed; however, if the insurance commissioner decides that rates are excessive or could be harmful to the company’s solvency, he or she will step in and adjust those figures.

High-Risk Insurance

The SR-22 form must be filed by drivers who have committed violations or have multiple infractions, as well as uninsured drivers and others. If your license has been revoked or suspended, you may need to file an SR-22 to have it reinstated.

The following infractions will necessitate your needing to carry SR-22 coverage:

  • DWI – (1st, 2nd, Subsequent, and Aggravated).
  • Underage DWI – (1st, 2nd, Subsequent, Aggravated).
  • Leaving Scene of Accident.
  • Conduct After Accident.
  • Subsequent (2nd) offense Reckless Operation.

The SR-22 requirements in New Hampshire and the relevant forms can be found here.

Here is a list of some major violations that will earn points on your license or even a suspension in New Hampshire:

  • Aggravated DWI: 6 points
  • Transporting drugs in a motor vehicle: 6 points
  • Disobeying police officer: 6 points
  • DWI: 6 points
  • Road racing: 6 points
  • False report of theft: 6 points
  • School bus violation: 6 points
  • Driving without proof of financial responsibility: 4 points
  • Improper passing: 4 points
  • Speeding at a rate of 25 mph or greater over the posted speed limit: 4 points
  • Speeding at a rate of 1-24 mph over posted speed limit: 3 points
  • Failure to display or produce a license for an officer: 2 points

To see a list of other violations that can result in points or suspension, click here.

– Windshield Coverage

New Hampshire has no specific laws requiring insurance companies to offer special glass coverage or no-deductible windshield replacement. Your insurance company may require you to use a specific repair shop in order to receive coverage. As a consumer, you have the right to choose repair vendor but you may be required to pay the difference in the quote.

For a detailed summary of windshield and glass coverage in New Hampshire, click here.

– Automobile Insurance Fraud in New Hampshire

Insurance fraud is the second largest economic crime in America. Premium rates are raised dramatically by insurance companies and passed on to the consumers in attempts to combat fraud.

There are two classifications of fraud: hard and soft.

  • Hard Fraud – A purposefully fabricated claim or accident
  • Soft Fraud – A misrepresentation of information to the insurance company

Soft fraud is more common than hard fraud. Twenty to 40 percent of consumers admitted to lying to their insurer about one of the following:

  • Number of annual miles driven
  • Number of drivers in the household
  • How the vehicle would be used

Insurance fraud is a crime no matter how you slice it. Even the “little, white lie” you tell to get a lower rate can lead to harmful consequences. That kind of willful misrepresentation of facts is called known as “rate evasion” and is $16 billion annual expense to auto insurers.

If you suspect insurance fraud or have been the victim of fraud, you can contact the New Hampshire Department of Insurance to report such activity.

– Statute of Limitations

New Hampshire’s statute of limitations for filing a claim is three years for both personal injury and property damage.

– Vehicle Licensing Laws

New Hampshire’s DMV has an online portal where residents can perform tasks such renew their registrations and drivers’ licenses, update or change their address, and retrieve their driving history. Vehicle registration and insurance information can be easily accessed through the state database.

Proof of Financial Responsibility

Proof of financial responsibility requirements in New Hampshire can be found here.

Teen Driver Laws

New Hampshire DMV’s Bureau of Driver Licensing provides valuable resources, training, and education for teen drivers and their parents.

Type of LicenseMinimum Age RequirementDriving RequirementTime RestrictionPassenger Restriction
Permit15 years 6 monthsMust have a licensed adult over 25 years old supervising in the passenger seatNo restrictionsMay not have more passengers than seat belts
Restricted License16 yearsMust have completed 40 hours driving, 10 of which at night and passed an approved Driver Education ProgramNo driving between 1 a.m. and 4 a.m.No more than one passenger younger than 25 (excluding family members)
May not have more passengers than seat belts
Unrestricted LicenseAge after holding a restricted license six months (minimum 16 years 6 months) or 18 years, whichever occurs firstMust have held a restricted license six months or be 18 years oldNo restrictionsNo restrictions

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Older Driver License Renewal

New Hampshire can never be accused of ageism against its senior population when it comes to their driving laws. Everyone in the general population, including seniors, must abide by the same renewal requirements

Elderly drivers in New Hampshire must get their licenses renewed every five years just like every other driver in the general population. Just like the rest of the general population, senior drivers must show proof of adequate vision at every renewal. And just like the rest of the general population, elderly motorists are allowed to renew online every other renewal.

New Resident Licensing

Once a person has established residency in New Hampshire, they have 60 days to register their vehicle and to obtain a New Hampshire Driver’s License.

License Renewal

Driver licenses must be renewed every five years. Drivers are permitted to renew online every other renewal. Save yourself the hassle; don’t wait until your license is expired before beginning the renewal process.

– Rules of the Road

Keep Right and Move Over Laws

New Hampshire law requires that you keep right if driving slower than the average speed of traffic around you.

New Hampshire published an updated memo to its “Move Over” law on June 8, 2012. The law states:

You must vacate the lane of travel next to an emergency vehicle as it displays its emergency lights if it is safe to do so. If you cannot move over, you must maintain a reduced speed so that you could stop if that emergency worker entered the roadway.

Speed Limits

Type of RoadwaySpeed Limit
Rural Interstates65 mph; 70 mph on specified segments of road
Urban Interstates65 mph
Other Limited Access Roads55 mph
Other Roads55 mph

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Seat belt Laws

There are no seat belt laws except for children under 18 years. New Hampshire is the only state in the U.S. that has no seat belt requirement for people over 18 years old.

Car Seat Laws

All children 6 years old or younger, or less than 57 inches, are required to be seated in a child safety seat. They are not permitted to use an adult seat belt under any circumstances. Children ages 7-17 years (or younger than seven but are at least 57 inches tall) are permitted to wear adult safety belts.

Cell Phone and Texting RestrictionsDetails
Hand-held banall drivers
Young drivers all cellphone bandrivers younger than 18
Texting banall drivers

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The following companies offer ridesharing protection in New Hampshire:

  • Geico
  • Liberty Mutual
  • USAA
  • State Farm

New Hampshire does not mandate any minimum insurance limits required for Uber, Lyft, or other ridesharing companies.

– Safety Laws

Promoting safety and preventing chaos are the ultimate goals of any traffic laws. The New Hampshire Department of Transportation (NHDOT) has as extended its partnership with State Farm to sponsor the Motorist Safety Patrol of I-93.

In accordance with the National Highway Traffic Saftey Administration (NHTSA), New Hampshire released its most recent Highway Safety Plan in 2017 as an additional resource for drivers.

DUI Laws

The Blood-Alcohol Content (BAC) limit in New Hampshire is 0.08 percent; the High BAC limit is 0.16 percent and above.

Type of PenaltyFirst OffenseSecond OffenseThird OffenseFourth and Subsequent Offenses
Driver's License SuspensionNine months - six years. Six months of the sentence may be suspended for enrollment in 20 hour Impaired Driver Intervention ProgramThree years minimumLifetime - may be reinstated after five yearsLifetime - may be reinstated after seven years
ImprisonmentNo minimum30 days (mandatory minimum) - one year180 days - one year30 days - seven years, minimum six months deferred jail time
Fine$500 minimum$750 minimum$750 minimum$930 minimum
OtherN/AIID required for one - two years after license reinstatement; Seven-day Multiple Offender Program (MOP) requiredIID required one - two years after license reinstatement; 28 day MOP requiredIID required one - two years after license reinstatement; 28 day MOP required

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Drug-Impaired Driving Laws

At present, New Hampshire has zero marijuana-impaired specific laws.

New Hampshire Can’t-Miss Facts

Here are interesting tidbits and knowledge nuggets about the Granite State:

– Vehicle Theft in New Hampshire

Car theft is a serious matter. If you’ve ever been the victim of such larceny, the sense of personal violation and disrespect can leave you feeling vulnerable. This chart below reveals which cars in New Hampshire are most susceptible to being stolen.


– Vehicle Theft by City

The table below gives a breakdown of the top cities for auto theft within the state.


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– Risky and Harmful Behavior

For your information, we’ve compiled a list of all driving-related fatalities in New Hampshire.

Fatality by County

Hillsborough County2827242720
Rockingham County3018292816
Merrimack County713161312
Strafford County169121512
Belknap County1046811
Cheshire County17721110
Coos County53767
Carroll County766106
Grafton County1049145
Sullivan County54343

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Fatality Rates Rural Vs. Urban

Type of Roadway201220132014201520162017

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Fatalities by Person Type

Occupant/NonoccupantPerson Type20132014201520162017
OccupantsPassenger Car5842495746
Light Truck - Pickup14610239
Light Truck - Utility158121412
Light Truck - Van42313
Light Truck - Other00010
Large Truck12001
Other/Unknown Occupants22112
Total Occupants9462759773
MotorcyclistsTotal Motorcyclists2417261915
Bicyclist and Other Cyclist43322
Other/Unknown Nonoccupants11211
Total Nonoccupants1716132014
CombinedTotal Persons13595114136102

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– EMS Response Time

Crash LocationTime of Crash to EMS Notification (minutes)EMS Notification to EMS Arrival (minutes)EMS Arrival at Scene to Hospital Arrival (minutes)Time of Crash to Hospital Arrival (minutes)

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– Transportation

So, how bad is the commute look for the motorists of New Hampshire? How does rush-hour traffic compare to the rest of the nation? What methods do they use to get to work? The answers to those questions are coming up next.

Car Ownership

Commute Time

At 25.2 minutes, New Hampshire motorists almost mirror the national average of 25.3 minutes of commute time. Only 3.37 percent of drivers in New Hampshire experience a “super commute” of 90 minutes or more.

Commuter Transportation

Now you have all the essential facts about New Hampshire driving laws and insurance requirements. Make sure to put all that knowledge to good use to get yourself the best insurance quotes possible.

Enter your zip code below to compare car insurance quotes to get the best rates possible for whatever your situation may be. Knowing that you’ve saved hundreds of dollars annually on your car insurance premiums because you took the time to shop around will guarantee that you can continue to live free and thrive driving.