Cheap Car Insurance in New Hampshire
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New Hampshire Car Insurance Minimums
New Hampshire does not require car insurance, but drivers must demonstrate financial responsibility. If you choose to carry insurance, the recommended minimums are $25,000/$50,000 bodily injury and $25,000 property damage. Truvo can help you find the best rate whether coverage is required or voluntary.
What drives car insurance rates in New Hampshire
Average spend per insured vehicle, 2023
$987
New Hampshire drivers spent $987 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
66.8¢
Auto insurers in New Hampshire paid 66.8 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
0.96
New Hampshire recorded 133 traffic deaths in 2024, 0.96 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
53.3
New Hampshire reported 754 motor vehicle thefts in 2025, 53.3 per 100,000 residents, from 64.4 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#45
FEMA ranks New Hampshire #45 of 51 for expected annual loss from natural hazards; flood accounts for 70% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in New Hampshire
The ten insurer groups that wrote the most auto premium in New Hampshire in 2025, with their share of the state total of $1.3 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 22.32% | $279 million |
| 2 | State Farm Group | 15.82% | $198 million |
| 3 | Berkshire Hathaway Group | 9.98% | $125 million |
| 4 | Allstate Insurance Group | 8.35% | $104 million |
| 5 | Liberty Mutual Group | 6.76% | $85 million |
| 6 | United Services Automobile Association Group | 6.51% | $81 million |
| 7 | Amica Mutual Group | 3.23% | $40 million |
| 8 | Travelers Group | 2.95% | $37 million |
| 9 | Plymouth Rock Insurance Group | 2.78% | $35 million |
| 10 | Farmers Insurance Group | 2.66% | $33 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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