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This page details the latest auto insurance stats, facts and premiums in the state of New Hampshire.

Average Auto Insurance Rates 

New Hampshire has the highest percentage of DUI deaths of all U.S. states, perhaps due to rugged terrain and harsh weather conditions throughout the state.

Still, New Hampshire is one of the least expensive states to own a car. The Average Annual Premium for Car Insurance in the state of New Hampshire was $941 last year, much lower than the overall national average of $1,347. 

New Hampshire's relatively low annual auto insurance premiums could be due to a strong economy, low population density and a fewer uninsured vehicles on the road. 

For whatever reason, last year New Hampshire was the fifth least expensive state for a driver to buy car insurance.

Penalties for Driving Uninsured

People caught driving without insurance (or at least proof of financial responsibility) in the state of New Hampshire face fines and/or license suspension until proof of insurance is provided. Additional headaches are costly reinstatement fees and increased premiums.

Minimum Liability Coverage

The minimum per-vehicle insurance coverage required by New Hampshire state law is 25/50/25.

This means that a driver in New Hampshire must carry $25,000 in Personal Injury Protection (PIP insurance), along with $50,000 in coverage for injuries to others, and $25,000 in coverage against property damage.

Experts suggest that state mandated minimums are insufficient funds to cover the actual cost of accidents, and recommend 100/300 coverage for all owned vehicles in America.

Also recommended is Uninsured Motorist (UMI) Insurance, as roughly one in nine vehicles in New Hampshire is uninsured.

Low Cost Car Insurance

New Hampshire drivers can lower their car insurance premiums in a number of ways. For instance,

1. Establish a physical address in Maine, where the rates are even cheaper.

2. Live alone, or with low-risk drivers.

3. Qualify for every possible discount program offered by insurance carriers. Special deals include Good Driver discounts, Accident-Free discounts, Good Student discounts, Safe Vehicle discounts, Multiple Policy discounts and Defensive Driving Course discounts, to name just a few.

Obtaining Safe Auto Insurance Quotes and Low Rates

According to recent consumer reviews, New Hampshire's top providers of auto insurance are Allstate, Farmers Insurance, Geico, Progressive, State Farm and 21st Century.

Just grab a few free quotes online, then call a few agents and ask about their special discounts.

Finally, compare quotes and simply select the cheapest deal. That's all there is to saving hundreds of dollars a year on car insurance.

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