BudgetAutoRates affordability gauge: New Hampshire premiums vs state median income. Lower claim costs than most states keep the needle toward the green.
| Company | Liability / mo | Full coverage / mo | Best for |
|---|---|---|---|
| State Farm | $29 | $82 | Overall cheapest |
| GEICO | $32 | $90 | Digital-first drivers |
| Progressive | $37 | $104 | High-risk / SR-22 |
| Allstate | $43 | $121 | Bundling home + auto |
| Farmers | $47 | $132 | Agent relationships |
| Liberty Mutual | $51 | $144 | Custom coverage add-ons |
Illustrative estimates for layout and comparison purposes; see our methodology.
New Hampshire does not mandate insurance for most drivers, but financial-responsibility rules still set the floor when coverage is bought or required:
Minimum coverage keeps you legal, not necessarily solvent: the average new truck costs more than $25,000 to replace, so one at-fault accident can outrun your property-damage limit.
Insurance OPTIONAL — no mandate to buy; drivers who do buy (or must show financial responsibility, e.g. after DUI) need 25/50/25 plus UM and MedPay.
Minimums cross-checked against Insurance Information Institute and state DOI sources, July 2026; see our methodology. Rules change; verify current minimums with your state's Department of Insurance.
Premiums swing inside New Hampshire: traffic density, claim frequency, and repair costs vary from ZIP to ZIP, so quote with your exact address.
New Hampshire rates average about 34% below the national average, near $47/mo for liability and $132/mo for full coverage. Lighter traffic, fewer claims, and lower repair costs keep pricing down, and comparing 3 or more quotes can push your rate lower still.
Fines, license and registration suspension, SR-22 filings, and reinstatement fees, with exact amounts set by New Hampshire law. Check current penalties with the New Hampshire Department of Insurance, then let Scout dig up a minimum-coverage policy that costs less than the paperwork.