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New Hampshire Insurance Information

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Forbes magazine press article on technology executive, author and founder Dan Karr
ValChoice is “Carfax for…insurance”

-Giovanni Rodriguez

Hi. I'm Dan. Dan Karr, Founder of ValChoice I Was Hit by a Car And no

Insurance Company Would Pay my Medical Bills.

Now my mission is to help you find insurance that is reliable and a good value. I do that by providing transparency into insurance companies.

Use our car insurance calculator to:

  • Find the fair price for your insurance
  • Learn the cost impact if you:
    • Get a different or additional car
    • Add another driver
    • Cause an accident
    • Get a ticket
    • Etc.

I Founded ValChoice After Being Hit by a Car

Watch this video to learn more about it

About the NH Car Insurance Calculator

Insurance prices vary dramatically. We've analyzed many buyers (same address, car, driving record, credit score, etc) and found that on average prices for the exact same buyer vary by a factor of eight. That's when we realized, consumers need an insurance calculator. Our New Hampshire car insurance estimator uses the most common pricing methodology. Our results are an average across the industry.

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#1 Best Value for Car Insurance in New Hampshire, 2017/18

Number one best value for auto insurance in New Hampshire, Co-operative Insurance Companies

Co-operative Insurance Companies, was named the Number One Best Value for car insurance in 2017/18 for the state of New Hampshire. Co-operative won with a ValChoice score of 100.

The ValChoice grading system reviews nearly every insurance company, in every state. Each year we identify the best company, by state. Companies are chosen solely based on our independent, unbiased analytics.

Request a callback from a Co-operative Insurance Agent


Co-operative Insurance Companies, winner of the #1 Best Value for auto insurance in New Hampshire, 2016.

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.

New Hampshire Auto and Homeowner Insurance Rates and Trends

New Hampshire Auto Insurance

The five largest auto insurance companies in New Hampshire are shown in the table below. The marketshare of each company is shown in the second column. The third column shows their most recent ValChoice Score. ValChoice Scores are only presented for companies with above average performance. For the companies where the needle on the gauge is missing, you can order a free report to get the ValChoice Score. To find out if these companies price fairly, use our auto insurance calculator.

The ValChoice scoring system takes into account how they price, their performance for claims handling and the level of service they provide. This scoring system uses high quality data and grades on a curve. This approach to grading yields companies that score as high as 100 and as low as zero. Only a system like this gives consumers a true picture of the performance of car insurance companies. For more details on any given company, order a ValChoice report.

Compare Auto Insurance Companies in New Hampshire

Market ShareValChoice Score
GEICO (Berkshire Hathaway Insurance )14.23%
gauge below average
Progressive Insurance12.75%
gauge below average
State Farm12.15%
gauge below average
Liberty Mutual Insurance Companies10.63%
gauge below average
Allstate Insurance10.06%
gauge below average
ValChoice only comments publicly on companies that are above average. For any company that is below average we don't publicly display the score. For those interested, scores on all companies are available with free reports. All analysis based on quantitative, high-quality data. Data sources include: SERFF, state insurance commissioners, National Association of Insurance Commissioners and AM Best Company. Data used by permission.

Minimum Car Insurance Coverage Required in New Hampshire

New Hampshire is unique by virtue of the fact that there are no laws requiring drivers to have 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 have 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. Also, if a driver crosses the border into Maine, Massachusetts or Vermont, they're required by state law in those states to have insurance coverage.

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 InjuryProperty DamageProtecting YourselfUninsured/Underinsured Motorist

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 Alabama 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

It's possible to be in an accident where the other party does not have enough financial capability or insurance coverage to pay the costs of the 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.

 

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new york times"ValChoice, a data analytics company that aims to bring some transparency to the opaque insurance industry."

-Gretchen Morgenson

New Hampshire Homeowners Insurance

New Hampshire Homeowners Insurance Premium Calculator

New Hampshire Home Insurance Rate CalculatorThis calculator is an average of homeowner insurance premiums across the state. Individual prices will vary depending on factors such as deductibles, coverage and the risks associated with the specific area where you live.

Use this calculator to estimate home insurance prices in New Hampshire. Just enter the replacement value (cost to rebuild, not including the land).

 

New Hampshire Homeowners Insurance Prices Yield 17th Worst Value of All 50 States

The price of homeowner insurance in New Hampshire is lower than in most states. However, the value New Hampshire residents get from their homeowner insurance is also below average. We measure value based on what percentage of the premiums collected by insurance companies are paid out in the form of claims. We do this over several years to account for catastrophic events.

We do this over several years to account for catastrophic events. For the ten-year period from 2007 to 2016, New Hampshire residents had the 17th worst value from their homeowners insurance of all 50 states. Due to the low value of home insurance in New Hampshire, homeowners need to shop carefully for insurance.

New Hampshire Homeowners Insurance Rates and Trends

The five largest home insurance companies in New Hampshire are shown in the table below. The market share of each company is shown in the second column. The third column shows their most recent ValChoice Score for homeowners insurance. ValChoice Scores are only presented for companies with above average performance. For companies where there is no needle on the fuel-gauge-style image, you can order a free report to get the ValChoice Score. This information is presented so you can reliably compare New Hampshire homeowners insurance companies in order to understand your for getting the best homeowners insurance.

The ValChoice scoring system takes into account how they price, their historic performance for claims handling and the level of service they provide. This scoring system uses high quality data and grades on a curve. This approach to grading yields companies that score as high as 100 and as low as 0. Only a system like this gives consumers a true picture of company performance. For more details on any given company, order a ValChoice report.

Compare Homeowners Insurance Companies in New Hampshire

Market ShareValChoice Score
USAA6.73%
gauge 64
64 out of 100
Auto-Owners Insurance4.79%
gauge 53
53 out of 100
Liberty Mutual Insurance Companies14.37%
gauge below average
State Farm9.89%
gauge below average
Allstate Insurance8.47%
gauge below average
ValChoice only comments publicly on companies that are above average. For any company that is below average we don't publicly display the score. For those interested, scores on all companies are available with free reports. All analysis based on quantitative, high-quality data. Data sources include: SERFF, state insurance commissioners, National Association of Insurance Commissioners and AM Best Company. Data used by permission.

Important Insurance Laws - New Hampshire

New Hampshire Insurance Regulation

The New Hampshire Insurance Department develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Department of Insurance. The state of New Hampshire does not share consumer complaint information with consumers for their use when purchasing insurance.

Important Laws

A summary of the driving safety laws for the state of New Hampshire can be found at this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of New Hampshire.

The New Hampshire Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Minimum Car Insurance Coverage Required in New Hampshire

New Hampshire is considered to be a personal responsibility state. This means you don't need liability insurance to drive within the state. However, drivers that venture into the neighboring states of Maine, Vermont and Massachusetts are required to meet the minimum coverage laws of those states.

Resources Available to Consumers

Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, don't have enough insurance coverage or are the victim of a flood.

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