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Cheapest Car Insurance in New Hampshire

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.

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 café. 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!

STATS

Best Cheap Car Insurance Quotes for New Hampshire

Hillsborough County Car Insurance

One of five original counties created in 1769, Hillsborough County lies in southern New Hampshire and is the most populous county, with 400,721 residents at the 2010 Census. There are two recognized county seats: Manchester, the largest city in the state, and Nashua, the second-largest.

Manchester lies along the banks of the Merrimack River that divides its east and west sections. It is the home of Segway, Inc. which makes the popular two-wheeled electric vehicles invented by Dean Kamen. Once a textile-centered town, Nashua is now part of the greater Boston region. The Nashua River Rail Trail is a paved, mixed-use rail trail that follows the river through the towns of Ayer, Groton, Pepperell and Dunstable, Mass. And ends in Nashua.

County Sedan Suv Coupe Truck Hybrid
Hillsborough $575.00 $417.00 $578.00 $556.00 $533.00

Rockingham County Car Insurance

North of Boston on the New Hampshire coastline, Rockingham County is the state's second most populous, with roughly 300,000 residents. The county seat is Brentwood, a town of under 5,000 located in the center of the county.

Based in Portsmouth, the bi-weekly New Hampshire Gazette is the longest running newspaper in the country, having put out its first issue in 1756. Derry, the county's largest town, at one time was the home of poet Robert Frost and his family. The Robert Frost Farm is a National Historic Landmark and state park, and is open to the public for tours and poetry readings.

County Sedan Suv Coupe Truck Hybrid
Rockingham $589.00 $439.00 $604.00 $568.00 $546.00

Merrimack County Car Insurance

Named for the river that runs through it, Merrimack County is also traversed by Interstate 93 and Interstate 89. The county seat, Concord, is also the state capital.

Concord was the hometown of teacher Christa McAuliffe, the first private citizen in space. After her death in the 1986 Challenger Space Shuttle Disaster, a planetarium was constructed and named in her memory. Built between 1815 and 1818, the New Hampshire State House is the oldest in which the legislature still meets in its original chambers. Across the street is the Eagle Hotel, which opened in 1827. In the northern part of Concord is the Beaver Meadow Golf Course, one of the oldest in New England.

County Sedan Suv Coupe Truck Hybrid
Merrimack $575.00 $417.00 $578.00 $556.00 $533.00

Strafford County Car Insurance

Located partly on the western shore of the Great Bay, Strafford County was one of the five original counties established in New Hampshire in 1769. Its population was 123,143 in 2010. The county seat and largest city is Dover, considered the oldest town in New Hampshire, settled in 1623.

Among points of interest is the Woodman Institute Museum, open in Dover since 1916. Other popular stops for visitors are the Children's Museum of New Hampshire, Tendercrop Farm and Salmon Falls Stoneware. In nearby Rochester is the Rochester Opera House, a refurbished operating 1890s opera house that presents concerts and musicals.

County Sedan Suv Coupe Truck Hybrid
Strafford $575.00 $417.00 $578.00 $556.00 $533.00

Grafton County Car Insurance

Encompassing part of White Mountain National Forest, Grafton County lies in central western New Hampshire. Its western border follows the Connecticut River, which forms the state line with Vermont. The county seat is North Haverhill, a village within the larger town of Haverhill.

Dartmouth College and Plymouth State University are located in Grafton County, one of five original counties established in 1769. Largely rural, the county has a total area of about 1,750 square miles, making it the second largest in the state by area. The Appalachian Trail passes through about 10 towns in Grafton County.

County Sedan Suv Coupe Truck Hybrid
Grafton $575.00 $417.00 $578.00 $556.00 $533.00

Cheshire County Car Insurance

Located in the southwest corner New Hampshire, Cheshire County has 23 towns within its 730 square miles. Named for the county of Cheshire in England, the county had a population of 77,117 at the 2010 Census. The county seat and largest city, Keene, is home of Keene State College and Antioch University New England.

Once the site of the New Hampshire annual Pumpkin Festival, Keene has set several world records for the most jack-o-lanterns lit at one time, most recently in 2013 with 30,581 carved pumpkins. The festival has since moved to Laconia. Today, the city hosts the Keene Music Festival in late August or early September.

County Sedan Suv Coupe Truck Hybrid
Cheshire $575.00 $417.00 $578.00 $556.00 $533.00

Belknap County Car Insurance

Located in central New Hampshire in its Lakes Region, Belknap County has a total area of about 470 square miles, having been carved from neighboring counties in 1840. It was named for Jeremy Belknap, an American clergyman and historian. Today it is home to about 60,000.

The county seat of Laconia, home to about 16,000, is the most recent site of the annual New Hampshire Pumpkin Festival, once held in Keene. Each year, festival-goers attempt to set records with the largest number of lighted carved pumpkins in one place. Also held annually is Laconia Motorcycle Week, also known as "bike week," as well as the Laconia World Championship Sled Dog Derby.

County Sedan Suv Coupe Truck Hybrid
Belknap $575.00 $417.00 $578.00 $556.00 $533.00

Carroll County Car Insurance

Situated along the Maine state line in eastern New Hampshire, Carroll County encompasses about one quarter of the White Mountain National Forest and the northeastern shores of Lake Winnipesaukee. The county seat is Ossipee, which claims to be the birthplace of the first snowmobile, created from a conversion kit designed for a Ford Model T.

Its largest town, Conway, is a retail destination. Tourism plays a role in the local economy, with a ski resort in Conway and several others in the county's mountainous northern region. At 6,388 feet, Mount Washington is among its most noted points of interest, the highest peak in the Northeast. It held the record for fastest surface wind gust in the world, 231 miles per hour recorded in 1934, for 76 years.

County Sedan Suv Coupe Truck Hybrid
Carroll $647.00 $467.00 $645.00 $629.00 $602.00

Sullivan County Car Insurance

Along New Hampshire's western border, Sullivan County had just under 44,000 residents at the 2010 Census. The Connecticut River forms its western border, and its eastern border includes the western shore of Lake Sunapee. Interstate 89 runs through its northeast section.

Newport, the county seat, is a small town known for its maple sugar and apple orchards. Slightly larger is the city of Claremont, home to about 13,000 that served as the filming location for the 2006 movie, "Live Free or Die." The TV show, "Ghost Hunters," shot an episode titled "The Fear Factory" in Claremont's Topstone Mill, a shoe factory that is now a restaurant.

County Sedan Suv Coupe Truck Hybrid
Sullivan $573.00 $417.00 $578.00 $552.00 $531.00

Coos County Car Insurance

Former the New Hampshire panhandle, Coos County is the state's least populous, home to an estimated 33,000. It borders Maine to the east and Canada at its northern tip. The White Mountains are located in its southern section, and the rest of the county is known as the Great North Woods Region. Lancaster, the county seat, is located on the Connecticut River.

The community in Coos County, Berlin was the site of the country's first ski club, the Nansen Ski Club founded in 1882. The town is less than 60 miles from Quebec, Canada, and more than half of its residents speak a variation of New England French.

County Sedan Suv Coupe Truck Hybrid
Coos $624.00 $453.00 $621.00 $610.00 $583.00

County Sedan Suv Coupe Truck Hybrid
Belknap $575.00 $417.00 $578.00 $556.00 $533.00
Carroll $647.00 $467.00 $645.00 $629.00 $602.00
Cheshire $575.00 $417.00 $578.00 $556.00 $533.00
Coos $624.00 $453.00 $621.00 $610.00 $583.00
Grafton $575.00 $417.00 $578.00 $556.00 $533.00
Hillsborough $575.00 $417.00 $578.00 $556.00 $533.00
Merrimack $575.00 $417.00 $578.00 $556.00 $533.00
Rockingham $589.00 $439.00 $604.00 $568.00 $546.00
Strafford $575.00 $417.00 $578.00 $556.00 $533.00
Sullivan $573.00 $417.00 $578.00 $552.00 $531.00

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, accidents, 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 auto insurance premiums consistently ranking below the national average. According to NAIC.org, there has been a slight rise in vehicle 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.


Cheap Car Insurance understands you work hard for your money so, why spend more on your auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

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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