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We compared car insurance quotes in New Hampshire to let consumers know who had the best rates by city and company. Which companies had the cheapest auto insurance rates in New Hampshire? Our graph below shows the five companies in New Hampshire that ranked with the best quotes based on the data for our sample 30 year old and 60 year old man living and driving in 27 cities in New Hampshire. GEICO, Patriot Insurance, State Farm, Amica, and Vermont Mutual had the five lowest auto insurance costs in New Hampshire on average. Your quotes will ultimately depend on circumstances specific to you, such as what vehicle you drive, whether you’ve had any accidents or moving violations in the past five years, and what liability coverage limits you choose to be insured for.
What drivers pay for car insurance varies in part due to where they live and drive, in addition to other factors.
With 110,000 residents, Manchester is the largest city in the Granite State and the second most expensive for auto insurance.
It costs $1,020 a year to insure a car in Manchester – that is 20% higher than the state average and the costliest in the Granite State. Bordered by the Merrimack River to the east and the state of Massachusetts to the south, Nashua measures 32 square miles in size. In spite of its status as the second largest city, Nashua’s auto insurance costs are not that expensive compared to the state. The third most affordable city in New Hampshire for car insurance is Concord, the state capital. The cost of auto insurance here is a low $778 a year, which is about 10% lower than the state average. Derry is home to 33,000 residents, and was the birthplace of the first American astronaut in space, which gave rise to the nickname “Spacetown”. Drivers in Rochester pay on average $899 to insure their cars with protection from accident liability.
This town of 29,000 residents takes the third most expensive spot for auto insurance in New Hampshire. Merrimack occupies an area 33 square miles in size, and houses one of Anheuser-Busch’s smallest plants and one of the stables for the Budweiser Clydesdales horses. Residents pay an average of $857 a year to insure their vehicles in Merrimack, which is just 1% shy of the state’s average. Ranking at the top of our best cities list for auto insurance is Keene, NH, a city of 23,000 residents. The fourth most expensive spot on our list is Windham, a town located in Rockingham County about 40 miles away from Boston, MA. The average cost of auto insurance in Windham is $954 a year, which is 10% higher than the typical NH city. Nestled in the Connecticut River Valley, Lebanon is home to the largest medical facility in Northern New England: the Dartmouth-Hitchcock Medical Center and the Norris Cotton Cancer Center. Just six miles away from Lebanon is the city with the second lowest auto insurance costs in New Hampshire: Hanover. Ranking at the sixth cheapest spot for auto insurance is Peterborough, NH, a town of 6,000 in Hillsborough County. Kingston was the fifth community to be established in New Hampshire, and where the second signer of the Declaration of Independence hailed from. It’s also the most expensive spot in the Granite State for auto insurance to the tune of $1,065 annually. We calculated a complaint ratio for each company to find the best auto insurers in New Hampshire.
We took a look at auto insurance rates for a single 30 year old male and a single 65 year old male who drove their Toyota Camry about 12,000 miles a year. Not for sale - it has been sold via a Car and Classic Free AdTHE PROPERTY OF MY LATE MOTHER PURCHASED NEW AND GARAGED ITS ENTIRE LIFE. ALWAYS HAND WASHED AND HARD WAXED POLISHED MY MOTHER ONLY USED IT WHEN SHE THOUGHT THE WEATHER SUITABLE (HENCE THE MILEAGE). THE CAR HAS THE GRANITE INTERIOR COLOUR WITH THE CLASSIC BRITISH RACING GREEN METALLIC BODYWORK. SURELY A COLLECTABLE YET SENSIBLE MODERN DAY FRUGAL FORM OF TRANSPORT WITH THE POSSIBILTY OF CLASSIC INSURANCE. THIS IS THE METRO QUEST PLUS WITH REAR WASH WIPE AND SPLIT REAR SEATS AND IS THE E VERSION FOR ECONOMY.
THE CAR HAS A NEW MOT AND HAS BEEN FULLY CHECKED PRIOR TO TESTING WITH NEW BRAKE PARTS AS REQUIRED AND NEW VARTA BATTERY INSTALLED.
WITH NEW MOT AND BATTERY THIS IS AN IDEAL FIRST CAR FOR A YOUNG PERSON WHO CAN TAKE ADVANTAGE OF CLASSIC INSURANCE AND PROBABLY SAVE THE PURCHASE PRICE IN CHEAPER INSURANCE.
Our data included quotes from 10+ insurers for a sample 30 and 65 year old man across more than 35 cities to determine the cheapest auto insurance companies in the Granite State. Depending on where drivers live and who they insured with, annual premiums in New Hampshire could vary widely. In aggregate, the average annual premium at these companies was $654, or about 25% cheaper than what the typical insurer charges for vehicle liability protection in New Hampshire.
For more specific results, type in your zip code above for a list of companies to start your search for good rates. This table below lists the top three auto insurance companies in city along with the average cost for single 30 year old and 65 year old men.



Nicknamed the Queen City, Manchester has recently undergone a revitalization effort and reinvested heavily in human and economic capital.
For cheap car insurance in Manchester, GEICO, Patriot, and State Farm were the top three companies with the lowest quotes. 86,000 people call Nashua home, which makes it the second largest city in the Granite State. With annual premiums of $887, Nashua ranks as the 16th most expensive and just 2% higher than the typical Granite State city.
Concord’s State House is the oldest continually used capitol in the nation by the state legislature. For low-cost car insurance, we recommend including GEICO, Patriot, and Amica in your list of companies when getting quotes. Centrally located between Boston, the seacoast, and the White Mountains, Derry is a great spot with multiple road trip options to commence from.
The state is criss-crossed by the Cochecho and Bellamy Rivers, along with the main transportation artery of Spaulding Turnpike, and a number of New Hampshire Routes.
Compared to other New Hampshire cities, Dover drivers do pay about 5% more generally speaking. The city is served by a network of highways, including New Hampshire Route 16 (the Spaulding Turnpike), New Hampshire Route 125, and U.S. It costs just 4% more than what the typical New Hampshire resident pays on average, but there are opportunities to save in Rochester with some comparison shopping. Salem is home to attractions such as Canobie Lake Park, a theme park and entertainment center, as well as America’s Stonehenge, a site speculated to be the oldest man-made construction in America with astronomical alignments to solstices. In Salem, the cheapest auto insurance companies were GEICO, Patriot Insurance, and State Farm.
The town has easy access to Boston and other neighboring cities in New Hampshire through the Daniel Webster Highway and the Everett Turnpike. On the cheaper end of auto insurance in Merrimack are GEICO, Patriot Auto, and Vermont Mutual. The town is located in Hillsborough County, and has been described as a bedroom community for its close driving distance to the Greater Boston metropolitan area via the Interstate Highway 93.
We suggest getting quotes from GEICO, Patriot, and State Farm, which were the three companies with the lowest annual premiums for our sample drivers.
Today, the town is home to 24,000 residents, and is better known for Stonyfield Farms and a host of apple orchards, including Elwood Orchards and Sunnycrest Farms. It’s home to Keene State College and Antioch University New England, as is a regular holder of a Guinness World Record title for most jack-o-lanterns lit. That already places Keene’s insurance costs 16% cheaper than elsewhere in the Granite State. A year of auto insurance can range at the cheap end from $492 to $1,410 on the pricier end here. It’s just $2 less than the state average, but there is further room for savings with a bit of comparison shopping.
That’s 11% cheaper than elsewhere in the states, and rates will likely be even lower at one of these three companies: GEICO, Patriot, and State Farm. One of the oldest basket manufacturers is located here, as well as the first Brookstone store. The top three companies with the lowest rates for auto insurance in Peterborough were GEICO, Patriot, and Amica, which collectively averaged $552 a year. This premium is almost a quarter more than what drivers pay in the typical New Hampshire city.
Doing so allows consumers to compare how many complaints each insurer gets while taking into account the amount of auto insurance business they have in the state. For example, in two of our most expensive cities, Kingston and Manchester, the difference in cost between the costliest and cheapest auto insurance companies was greater than $1,100 on average. On average, the annual premium at these three companies was $686, which is a reduction of $334 and 33% compared to the citywide average.
With attractions ranging from the Mine Falls Park and FunWorld to Holman Stadium and the Verizon Wireless Arena, there’s something for everyone in Nashua. If you’re looking to save on auto insurance costs here, add GEICO, Patriot, and Amica to your list of companies to get quotes from. On lighter notes, Concord is also where the first alarm clock was invented, the first private citizen in space was from, and one of world’s largest meatballs was created.
That’s because these three had the lowest rates in Concord – lower by about 31% compared to the typical underwriter – with an average annual premium of $534 in our analysis. Affordable car insurance in Derry can be had at GEICO, Patriot, and Amica – the three insurers with the lowest costs.
Based on the quotes we analyzed, the three cheapest car insurance companies in Rochester were GEICO, Patriot Auto, and Vermont Mutual. They ranked at the lower end of costs with mean premiums of $650 a year, which was 33% lower than the Salem average.
Drivers can see average annual quotes of $584 at these companies, which would save them roughly 32% compared to Merrimack’s typical insurer.


To give you a sense of the savings, the average annual cost of insurance in Hudson was $876, but $614 at these three providers. Drivers looking to save more in Londonderry would do well to consider GEICO, Patriot Auto, and Amica when comparing insurance quotes. For those commuters looking for cheaper car insurance in Keene, GEICO, Vermont Mutual, and Patriot ranked with three of the lowest costs in our analysis. For cheap auto insurance in Windham, get quotes from GEICO, Patriot Auto, and Vermont Mutual – these three insurers had the lowest rates in the town by 32%.
Out of the insurers we surveyed, these three ranked with the cheapest auto insurance in Hanover.
For cheaper auto insurance in Kingston, we suggest checking out quotes from GEICO, Patriot Auto, Vermont Mutual, State Farm, and Concord Insurance. This emphasizes the need for consumers to get at least three quotes - read more below, or type your zip code above for a list of companies underwriting in your neighborhood to start shopping. Drivers could save more than the familiarly marketed 15% in the Granite State by switching to GEICO; that figure is actually closer to 43% based on the numbers in our comparison. At these rates, drivers in Manchester could be paying premiums even less than, or on par with what drivers in our cheapest city, Keene, shell out. These three companies had the lowest auto insurance costs in Nashua of $604 on average, which equates to 32% lower than the citywide average. Mature drivers and the senior citizen set should consider the Hanover Group as well, which actually ranked as the cheapest company for the 65 year old single man in our study.
Their annual premiums averaged $664 among these three companies, which is about 28% more savings compared to what the average amount charged by auto insurance companies in Derry. Each year in September, the city hosts the Rochester Fair, and fair grounds are packed with an Expo Wheel, race tents, show and pulls, demolition derbies, and other exhibitions. That’s based on an average annual cost of $612, which equates to a 32% decrease versus the citywide average, and $287 more in one’s pocket. To give drivers a range of costs in Salem, the three most expensive insurers would have charged our sample drivers $1,300 a year, which would have covered two years of insurance at the cheaper providers. These three ranked as the most affordable car insurance companies in Londonderry, with average rates of $612 that were 31% cheaper than what the typical insurer charged. Compared to the typical insurer, annual costs of $524 at these three companies were $203 or 28% cheaper per year. We found them at GEICO, Patriot Auto, and State Farm, which together had an average annual cost of $566.
Their rates averaged $534 a year, which was a discount of 31% compared to the city composite. The average annual premium at these five companies runs about $776 a year, and is 27% more affordable compared to the citywide average.
By dividing an insurer’s complaints with their premiums per million, we found that the best car insurance companies in the Granite State are Concord General Mutual, Hanover Insurance and Progressive. Annual rates at Patriot Insurance, an agent-based company in New England, were about 28% lower on average. Senior citizens looking for affordable auto insurance in Manchester should also consider the Hanover Insurance Group, which actually was the cheapest company for the single 65 year old male driver. Generally speaking, the unmarried 30 year old male with a clean driving record can see annual rates in the high-$900s, while the mature male driver could see costs in the high-$700s.
Compared to the average insurer in Concord, Hanover’s rates were 50% less for the senior driver! State Farm and Liberty Mutual round out the top five affordable insurance providers in Derry.
Amica and Concord also ranked on the cheaper end and help to round out the top five affordable companies in Rochester. This amount was 35% less than what the general auto insurance company in Lebanon was charging the city’s drivers. Going with the first company you see could land you at the most expensive insurer in town, which charges $1,698 for the same driver, and costs almost $900 more than the three cheapest companies in Kingston. At State Farm, New Hampshire’s second largest auto insurer, and Amica and Vermont Mutual, average annual rates were about 17% lower than the statewide composite. Rates from Hanover for this sample driver were in the low-$400s for a year’s worth of liability protection in Manchester, beating out even GEICO. Of note is that the Hanover Insurance Group actually had the lowest rates for our sample senior citizen driver.
Rates for an unmarried 65 year old man were in the low-$400s at Hanover, about 47% less than what the typical insurer in Derry would charge.




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