Below are recommendations for insurance coverage based on your area’s accident and insurance data. All DecisionData.org recommendations are based on New Hampshire data and estimates. The best insurance options for you may vary based on your personal driving record and finances.
Accidents per Person
~12 per 1,000 people
~17 per 1,000 people
Should I get cheap car insurance in New Hampshire?
Maybe. New Hampshire ranks #41 out of 51 for most accidents per person. This estimate suggests that cheap car insurance may be a good idea based on the far below average rate of accidents. We recommend you consider low-deductible plans and providers known for low premiums. See providers below for more help.
Accidents per Mile
~1.2 per million miles
~1.8 per million miles
How much liability coverage should I get?
Probably about the minimum. New Hampshirites drive an average of 9,775 per person in the state, which is above the national average of about 9,490. Whether due to long commutes, weather conditions, or bad roads, New Hampshirites on average get in less accidents per mile driven. Consider your commute, and think about slightly lower liability coverage.
Should I get comprehensive or liability-only insurance?
Consider liability-only insurance. New Hampshire ranks 18th lowest in the nation for uninsured drivers. Because there are fewer uninsured drivers in New Hampshire, you may want to choose liability-only insurance if your car is paid for and can be replaced without financial strain.
Insurance Cost in New Hampshire
Based on the data above, we estimate New Hampshire is 9th out of 51 in affordability. Cheap insurance may be available, even from high-quality providers.
Note on data bars above: The top of each red bar above is the highest value in any state, and the bottom is always 0.
Insurance Providers in New Hampshire
|Provider||Benefit summary||Customer Rating||Purchase link|
|Geico||Low pricing, but sub-par service||View plans|
|Nationwide||The best coverage and satisfaction most customers can get; higher premiums||View plans|
|State Farm||Good customer service and repair handling; moderate premiums||View plans|
|USAA||Superior overall service and pricing – but only available to military members and their families||View plans|
|Progressive||High settlement values; low premiums; fair customer service||View plans|
|Allstate||Good appraisal process and car rental handling; higher-than-average price||View plans|
|esurance||No benefit above average – not recommended||View plans|
|Liberty Mutual||Slightly above average in all areas, very high premiums||View plans|
- Customer rating: 2015 U.S. Auto Claims Satisfaction Study | J.D. Power
- Pricing: Multiple quote comparisons, plus data from the California Dept. of Insurance