In New Hampshire, the average cost of full coverage car insurance is $106 per month. In Manchester, expect to pay an average monthly rate of $107, while full coverage will cost you an average of $100 monthly in Nashua. These rates are much lower than the national average monthly rate of $140.
Drivers who choose the cheapest car insurance in Manchester, New Hampshire will be opting for the state-required minimum insurance coverage, which includes liability car insurance, uninsured motorist coverage and MedPay. In Nashua, this will run you about $43 per month, while in Manchester, the average is $47. In New Hampshire overall, this cheapest car insurance is $32 monthly and nationally, it is $47 per month.
New Hampshire is unique among the states, as it is one of the few that does not require car insurance. However, if you are responsible for someone else’s injuries and damages, you must show proof of financial responsibility. Choosing to buy the minimum liability available can protect your assets if you cause an accident. If you do choose to purchase auto insurance, then you must buy at least the state-required minimum.
Remember, only full coverage auto insurance (liability + comprehensive car insurance + collision auto insurance) protects you if you cause an accident or if something happens to your car, such as weather-related damage.
Here’s a comparison of average monthly premiums for cities in New Hampshire, including Manchester. Drivers in less congested areas will have lower premiums, since there will be fewer overall accident and crime claims.