Actual Yearly Savings
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015
  • Matt
  • $150
  • Jan 16, 2015
  • Denise
  • $2100
  • Jan 9, 2015
  • Tammie
  • $1800
  • Dec 12, 2014
  • Denise
  • $1800
  • Dec 8, 2014
  • Nidia
  • $960
  • Dec 7, 2014
  • Debora
  • $240
  • Dec 4, 2014
  • Christian
  • $1200
  • Nov 26, 2014
  • Meghan
  • $1080
  • Nov 9, 2014
  • Robert
  • $3000
  • Nov 8, 2014
  • Gary
  • $1000
  • Oct 24, 2014
  • Gayle
  • $420
  • Oct 21, 2014
  • Manita
  • $600
  • Sep 21, 2014

Our Commitment

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One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped

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at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

Jared

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Resources

Cheapest Car Insurance in New Hampshire (NH)

Rich in history, scenery and culture, beautiful New Hampshire boasts an abundance of natural attractions. Christened the “Mother of Rivers,” the five great New England streams find their origins in its picturesque granite hills. Home to fishing, hunting, water sports, arts, antiques, state parks and historical landmarks, New Hampshire provides an overwhelming supply of destinations for the avid traveler. Whether you have made America’s 9th state your new home, or you are planning a fun-filled vacation, CheapCarInsurance.net would like to provide a useful list of insurance information to ensure residents and visitors are well-protected.

STATS

Car Insurance Quotes for New Hampshire

County Sedan Suv Coupe Truck Hybrid
Hillsborough$1,301.00$1,032.00$1,358.00$1,191.00$1,328.00

County Sedan Suv Coupe Truck Hybrid
Rockingham$1,284.00$1,020.00$1,340.00$1,188.00$1,310.00

County Sedan Suv Coupe Truck Hybrid
Merrimack$1,148.00$906.00$1,201.00$1,050.00$1,175.00

County Sedan Suv Coupe Truck Hybrid
Strafford$1,218.00$967.00$1,271.00$1,126.00$1,246.00

County Sedan Suv Coupe Truck Hybrid
Grafton$1,160.00$905.00$1,214.00$1,053.00$1,192.00

County Sedan Suv Coupe Truck Hybrid
Cheshire$1,146.00$900.00$1,196.00$1,048.00$1,174.00

County Sedan Suv Coupe Truck Hybrid
Belknap$1,184.00$932.00$1,238.00$1,079.00$1,210.00

County Sedan Suv Coupe Truck Hybrid
Carroll$1,188.00$927.00$1,243.00$1,082.00$1,222.00

County Sedan Suv Coupe Truck Hybrid
Sullivan$1,170.00$914.00$1,224.00$1,065.00$1,200.00

County Sedan Suv Coupe Truck Hybrid
Coos$1,208.00$944.00$1,262.00$1,102.00$1,242.00

County Sedan Suv Coupe Truck Hybrid
Belknap$1,184.00$932.00$1,238.00$1,079.00$1,210.00
Carroll$1,188.00$927.00$1,243.00$1,082.00$1,222.00
Cheshire$1,146.00$900.00$1,196.00$1,048.00$1,174.00
Coos$1,208.00$944.00$1,262.00$1,102.00$1,242.00
Grafton$1,160.00$905.00$1,214.00$1,053.00$1,192.00
Hillsborough$1,301.00$1,032.00$1,358.00$1,191.00$1,328.00
Merrimack$1,148.00$906.00$1,201.00$1,050.00$1,175.00
Rockingham$1,284.00$1,020.00$1,340.00$1,188.00$1,310.00
Strafford$1,218.00$967.00$1,271.00$1,126.00$1,246.00
Sullivan$1,170.00$914.00$1,224.00$1,065.00$1,200.00

CheapCarInsurance.net Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

For nearly two decades, residents of New Hampshire have enjoyed premiums consistently ranking below the national average. According to NAIC.org, there has been a slight rise in premiums the last few years.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration reported a spike in drunk driving fatalities in 2013, but the number dropped in 2014 making it equal to the national average.

Teen Drinking and Driving

New Hampshire teens drink and drive at a slightly higher percentage than the national average.

Vehicular Theft by in New Hampshire

The FBI reports that auto thefts have continually dropped during the last few years. New Hampshire enjoys a rate well below the national average.

LAWS & REGULATIONS

State laws and regulations change faster than speed limits. So to make sure every driver is prepared, here are a few quick reminders.

Minimum Car Insurance Requirements in New Hampshire

  • Every policy must include 1) Liability Coverage 2) Medical Payments Coverage 3)Uninsured Motorist Coverage.
  • Liability Coverage minimums:
    • $25,000 for bodily injury, per person.
    • $50,000 for bodily injury, when the collision involves multiple parties.
    • $25,000 for property damage.
  • Medical Payment Coverage of $1,000 for policyholder’s medical costs.
  • Uninsured Motorist Coverage minimum must match liability coverage.

While New Hampshire state law does not require car insurance, when identified as the at-fault party in a traffic collision, state law does require payment for bodily injury and property damage. The above requirements are the minimums for drivers who choose to purchase car insurance in New Hampshire. For more information, visit the New Hampshire DMV.

New Driver Licensing Requirements

  • Vision Test. To measure how clearly an applicant can see, the Vision Test uses an eye machine in order to verify the applicant’s sight. To pass, he/she must read the 20/40 line with both eyes. Additionally, if eye glasses or contacts are worn during the exam, it is required that they be worn whenever the driver operates a vehicle.
  • Knowledge Test. The computer-based test requires the applicant to use a touch screen computer to answer multiple choice questions. No special computer knowledge is required, and all applicants must pass with an 80 percent or better. The test is timed, and if the applicant either runs out of time or misses more questions than allowed, the test is ended.
    If the applicant fails the exam, they must wait 10 days until they are eligible for a retest. The tests include a random design, so retaking the same test is virtually impossible.
  • Road Test. The Road Test must be taken in a vehicle rated for the correct license for which the applicant is applying. The vehicle must be safe and in good working order with all registration and certifications current. Taking 15 to 20 minutes, the road test examines the applicant’s skill in traffic, the applicant’s driving habits, their attitude toward driving, their level of stress while driving in traffic and their knowledge of rules and traffic signs.
    Only a licensed driver can drive the applicant’s vehicle to and from the test station, and, upon failure, a 10 day waiting period must pass prior to a road test retake.
  • Pay a License Fee. Upon successful completion of the testing requirements, the applicant must pay a $50-$60 license fee depending on the license type.
  • If under 21 years of age, the applicant will be issued a Youth Operator License which expires on his/her 21st birthday.
  • If under 18 years of age, the applicant must complete an approved Driver Education
    Program prior to applying for the license.
    For further information regarding license requirements, visit the New Hampshire DMV website.

DUI/DWI Laws

  • BAC limit: .08
    Any driver convicted of DUI/DWI must complete a screening at an Impaired Driver Care Management Program within 14 days. This enables the driver to be eligible for a reduction in their penalties. If the screening is positive, the driver is required to complete an evaluation after 30 days for substance disorder. If the driver fails the evaluation, additional resources are provided. If the initial screening is negative, the driver may be required to complete an Impaired Driver Education Program (IDEP). The New Hampshire Department of Health and Human Services outlines the following penalties for DUI/DWI in the state:
  • First Offense:
    • Minimum $500 fine.
    • Administrative suspension of license for a minimum of 9 months.
    • Completion of an Impaired Driver Intervention Program.
    • Ignition Interlock system for offenses including aggravated factors.
    • SR22 insurance requirement.
  • Second Offense:
    • Minimum $750 fine.
    • Minimum 10 days incarceration.
    • 3 year license revocation.
    • Ignition interlock system of 12 month minimum upon license reinstatement.
    • Completion of Multiple Offender Intervention program.
    • SR22 insurance requirement.
  • Third Offense:
    • Minimum $750 fine.
    • Minimum 180 days incarceration.
    • Indefinite revocation of license.
    • Ignition interlock system of 2 year minimum upon license reinstatement.
    • SR22 insurance requirement.

Texting & Driving Laws

According to Distraction.gov, New Hampshire recently banned all handheld devices for all drivers. Handheld and hands-free devices are banned for all novice drivers.

Unique Laws

Even after living in a state for several years, some laws can still surprise the everyday driver. One such New Hampshire law states that you may not tap your feet, nod your head, or in any way keep time to the music in a tavern, restaurant, or cafĂ©. And as long as you are driving, it’s good to be aware that state law still requires cattle crossing state roads be fitted with a device to gather their own feces!

RESOURCES

State Department of Insurance

New Hampshire Insurance Department
21 S. Fruit St., Suite 14
Concord, NH 03301
(603) 271-2261
http://www.nh.gov/insurance
Get Directions

Department of Transportation

New Hampshire Department of Transportation
7 Hazen Drive
Concord, NH 03302-0483
(603) 271-3734
http://www.nh.gov/dot/contactus/index.htm
Get Directions

Department of Motor Vehicles

New Hampshire Department of Safety
Division of Motor Vehicles
http://www.nh.gov/safety/divisions/dmv/
Find a local office and get directions
here

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