A Best Value for Car Insurance in New Hampshire, 2020

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Co-operative Insurance Company was recognized as A Best Value for car insurance in New Hampshire for 2020. Co-operative Insurance earned this award with a ValChoice Score of 100.

ValChoice analyzes home and auto insurance companies annually in each state where they do business. This totals 25,000 separate company's analyzed per year. Every company is analyzed in each state where they do business across the three most important buying criteria: price (value), quality (claims handling) and service.

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ValChoice does not receive payment for you buying insurance from this company. We may receive payment for introducing you to this company or their agents.

Auto Insurance in New Hampshire

Q: Can I save money on my New Hampshire car insurance due to the coronavirus (COVID-19)?

Yes. Many people can save at least 15%. In New Hampshire, 15% of the average car insurance price for Liability, Collision and Comprehensive equals $181. Some people can save as much as 60%. In New Hampshire, 60% of the average car insurance price for Liability, Collision and Comprehensive equals $725. To find out if these savings apply to you, go to this blog post on saving on car insurance due to COVID-19.

Q: How much does New Hampshire car insurance cost?

On average, New Hampshire residents pay $1146 per year for car insurance. This equals $95 per month or $573 per six months. Car insurance prices vary significantly based on insurance company and the level of risk they believe you represent. To find out what your car insurance should cost, use the ValChoice car insurance calculator.

Q: What is the cheapest car insurance in NH?

Only liability insurance (this pays for others when you cause an accident) is mandatory in New Hampshire. Therefore, getting only liability insurance is the cheapest. On average, liability insurance in New Hampshire costs $587 per year, $293 per six months and $49 per month.

However, many people want to protect their vehicle and themselves in the event they are in an accident (collision insurance), or something out of their control (comprehensive insurance) happens. In New Hampshire, the average price for collision insurance is $457 per year, $229 per six months and $38 per month. On average, comprehensive insurance in New Hampshire costs $164 per year, $82 per six months and $14 per month.

Find out what your liability, collision and comprehensive insurance should cost with the ValChoice car insurance calculator.

Q: Is full-coverage auto insurance worth it?

The combination of liability (required by law in New Hampshire), collision and comprehensive insurance is sometimes called “Full coverage.” Whether this is worth it depends on the value of your car. The value of your car only effects collision and comprehensive insurance. Use the ValChoice car insurance calculator to see what the additional cost of collision and comprehensive insurance should be for you.

Q: What is the best, cheap auto insurance in New Hampshire?

Bad insurance doesn’t necessarily cost less, and good insurance doesn’t necessarily cost more. In fact, some companies with the worst claims handling in the industry, sell insurance at high prices because they think their customers will believe the insurance is better because it is high priced.

When buying car insurance, start with the ValChoice car insurance calculator. We will let you know a fair price. If you want us connect you with one of the best insurance companies, click the button at the end of the calculator asking for this help and we will.

5 Best Car Insurance Companies in New Hampshire

ValChoice uses multiple sets of data collected by the New Hampshire department of insurance, and other sources, to determine the top rated insurance companies. We analyze the data to determine the best car insurance companies in NH. Our objective is to let consumers know the best insurance companies so you can make informed decisions when buying protection for you and your family.

Surprisingly (or maybe not so surprisingly) it's often not the market share leaders that rank highest for best insurance. Why is that? The reason is the industry is focused on delivering low-cost offerings. Low prices often come at the expense of good claims handling.

ValChoice analysis includes price (value), claims handling (quality) and overall service as the three factors used in our ratings. Price is not the only factor that matters when buying quality coverage.

Best Car Insurance in New Hampshire

ValChoice Score
Co-operative Insurance Companies

Comparison Rating

100 out of 100
Ohio Mutual Insurance
100 out of 100
Central Insurance Companies
95 out of 100
MMG Insurance Company
92 out of 100
Electric Insurance Company
90 out of 100
All ratings are based on high-quality data and analysis. Data sources include: SERFF, state insurance commissioners, National Association of Insurance Commissioners, AM Best Company and S & P Market Intelligence. Data used by permission.
Published by ValChoice on December 17, 2023


How do your New Hampshire car insurance and home insurance companies rate?

ValChoice ratings analyze the value, claims handling and service insurance companies provide. Find out how your insurance company rates by clicking the buttons below. We've discounted the premium report (a $9.95 value) to $0 for users that click the buttons below.

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Minimum Car Insurance Coverage Required in New Hampshire

Minimum Coverage
Bodily Injury, per person 25000
Bodily Injury, per accident 50000
Property Damage 25000


New Hampshire is unique by virtue of the fact that there are no laws requiring drivers to purchase a minimum amount of insurance coverage. This is known as a "personal responsibility" state. This means that if the driver of the car elects not to have insurance coverage, they are responsible for the costs associated with any accident for which they are at fault.

Being a personal responsibility state eliminates the need for New Hampshire drivers to purchase minimum auto insurance coverage. However, it does not remove the financial obligation to pay damages when the driver is responsible for causing a motor vehicle accident. The uniqueness of New Hampshire is simply that they allow residents to self-insure. It's not that insurance isn't required.

Self-insured residents need to be aware that when crossing into Maine, Massachusetts or Vermont, those states do require purchasing car insurance coverage. Therefore, causing an accident, or even getting pulled over for speeding, would result in a fine for driving uninsured. These fines are typically in the range of $100 to $750.

Types of New Hampshire Car Insurance

Under New Hampshire insurance laws, the costs of an accident are allocated to the driver who is at fault. This means, if you cause an accident, your insurance will pay the medical bills, lost wages and cost of repairing the cars and property you damaged. If you don't have insurance, or don't have enough insurance, you are personally responsible.

Bodily Injury Protection

Bodily injury protection is a type of liability insurance. Liability insurance means it pays for the other party, not you. In the table above the minimum bodily injury coverage you can buy in New Hampshire is specified in the first line of the table. The minimum bodily injury coverage amount you can purchase to pay the bill when more than one person is injured in an accident is shown in the second line of the table.

Property Damage Protection

The property damage protection that is required under New Hampshire law is also liability insurance coverage. Property damage liability insurance pays for repairs to the other person's vehicle or property, not your own. The maximum amount the car insurance company will pay on your behalf is the coverage limit that you purchased. If you want coverage above the minimum amount, that can be purchased but is not required.

Protecting Yourself, Your Passengers and Your Car

Coverage for your own vehicle, yourself and your passengers can also be purchased. Reasons you may not want this additional car insurance could be that you have an old car that isn't worth repairing if something happens. You may not want bodily injury coverage for yourself if you have a good health insurance policy. However, don't forget that when your are the driver, you need to protect your passengers too. When you take the option to buy bodily injury insurance for you and your passengers, it is sometimes called personal injury protection. Personal Injury Protection (PIP) is a type of accident insurance where your own car insurance company pays first. This type of insurance is not required in New Hampshire. Don't let the different terms confuse you.

Drivers often wonder what coverage they have for a vehicle that gets damaged by floodwater. Floodwater damage protection is part of your comprehensive insurance. For more details on insurance coverage for flooded vehicles, read our blog post titled "Does Your Car Float Like a Boat? What to do if it Won't!"

Uninsured Motorist and Underinsured Motorist

Despite laws that every driver have auto insurance, not everyone does. Or, they don't have enough coverage to pay the costs of a serious accident. Uninsured motorist coverage will pay the costs the other drivers insurance should have paid when they don't have insurance to cover the cost of an accident. Uninsured or underinsured motorist insurance changes the arrangement so your auto insurance company will pay the costs the other drivers insurance doesn't cover.

Getting an Auto Insurance Quote

When you get a car insurance quote, be sure to get an example of the insurance policy, or the declarations page. This will be proof of how much insurance you're actually buying. Also, be sure to keep a copy of the insurance policy so you know the full extent of your coverage.

Always ask your agent to provide you with a ValChoice report. ValChoice reports are the only reliable way to know how well insurance companies perform for providing a good value, their performance when handling claims and the level of service they provide.

Want the best auto insurance and homeowners insurance in New Hampshire?

ValChoice grades every auto insurance company and every homeowners insurance company in every state where they do business. Click the buttons below to find the best car insurance and best home insurance companies in New Hampshire.



Get a Home Insurance Price Estimate with this New Hampshire homeowners Insurance Calculator

ValChoice also offers homeowners insurance calculators. Just click the button below to be taken to the page with the New Hampshire home insurance premium calculator.