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What Used Cars Are the Cheapest To Insure in New Hampshire?

In New Hampshire, the 2021 Subaru Forester, 2021 Subaru Crosstrek, and 2021 Mazda CX-3 are the cheapest used cars to insure. The 2021 Forester by Subaru costs $100.59 monthly for full coverage, while the liability-only coverage costs $37.26.

Aerial Drone Photography Of Downtown Farmington, NH (New Hampshire) During The Fall Foliage Season

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What Used Cars Are the Cheapest To Insure in New Hampshire?

Want to know the cheapest pre-owned vehicle to insure in New Hampshire? We researched insurance quotes in the state to save you the effort!

This article covers insurance basics for the state of New Hampshire and tips to save money on premiums. We also found the best insurance companies and answered frequently asked questions!

New Hampshire Cheapest Used Cars To Insure

We gathered insurance quotes for 45 cars from the 2021 production year using a basic driver profile to find the cheapest used cars to insure in New Hampshire. Here are three pre-owned vehicles with the most affordable insurance policies:

1. 2021 Forester by Subaru

The 2021 Subaru Forester is the cheapest used car to insure in New Hampshire. This four-door SUV is $100.59 per month to insure with a full-coverage policy, which is about $6 less a month than the state average cost for full-coverage. Liability-only policies for the Forester are $37.26 monthly.

The Forester has superior ratings from the Insurance Institute for Highway Safety (IIHS) for its front-crash prevention. It also comes with a standard EyeSight driver-assist system, making it a safer vehicle.

2. 2021 Crosstrek by Subaru

The second cheapest used car to insure in New Hampshire is the 2021 Subaru Crosstrek. Full-coverage insurance for this four-door wagon costs $102.72 per month, just shy of the New Hampshire annual average of $1,275. A liability-only plan for the Subaru Crosstrek costs $35.52.

The Crosstrek has superior ratings for its front-crash prevention with vehicles and pedestrians.

3. 2021 CX-3 by Mazda

The third cheapest used car to insure in New Hampshire is the 2021 Mazda CX-3. This subcompact SUV costs $104.40 a month for full-coverage insurance, which is just shy of the average $106 monthly charge in the state. Liability-only policies cost $40.28 a month for the Mazda CX-3.

This car’s safety features grant it a spot on the IIHS 2021 Top Safety Pick+ list.

The 45 Cheapest Used Vehicles To Insure in New Hampshire

man buying used or second-hand car at dealership

After collecting policy estimates for 45 vehicles on the Insurance Institute for Highway Safety’s 2021 Top Safety Pick+ list, we compiled them below and ranked them by the cost of their full-coverage policies. We’ve also included the cost of their liability-only coverage policies for your comparison.

Year Make Model Full Coverage Liability Only
2021 Subaru Forester $100.59 $37.26
2021 Subaru Crosstrek $102.72 $35.52
2021 Mazda CX-3 $104.40 $40.28
2021 Mazda CX-30 $105.74 $38.55
2021 Subaru Outback $108.69 $37.26
2021 Subaru Legacy $109.53 $37.26
2021 Chevrolet Trailblazer $109.67 $40.45
2021 Hyundai Nexo $110.94 $41.91
2021 Ford Bronco $114.71 $41.90
2021 Hyundai Santa Fe $114.96 $43.75
2021 Mazda CX-5 $115.05 $41.74
2021 Acura RDX $116.65 $43.75
2021 Volkswagen ID.4 $117.83 $41.74
2021 Honda Insight $118.00 $40.28
2021 Subaru Ascent $118.72 $41.91
2021 Volvo XC40 $119.13 $42.72
2021 Nissan Rogue $120.14 $42.72
2021 Toyota Camry $120.40 $41.90
2021 Mazda 3 $122.34 $44.85
2021 Honda Accord $125.76 $41.90
2021 Toyota Highlander $125.85 $43.75
2021 Volvo V60 $125.89 $44.31
2021 Hyundai Palisade $126.24 $43.75
2021 Kia K5 $127.68 $44.56
2021 Honda Odyssey $128.29 $45.90
2021 Volvo XC60 $128.32 $47.03
2021 Nissan Murano $128.33 $46.24
2021 Mazda 6 $128.48 $42.72
2021 Acura TLX $128.94 $40.45
2021 Nissan Altima $131.27 $44.24
2021 Toyota Sienna $131.29 $45.90
2021 Mitsubishi Outlander $131.88 $47.48
2021 Volvo XC90 $132.11 $43.75
2021 Mazda CX-9 $132.86 $47.03
2021 Chrysler Pacifica $133.48 $41.74
2021 Volvo S60 $134.13 $43.44
2021 Ford Explorer $141.83 $50.76
2021 Volvo V90 $146.46 $39.62
2021 Nissan Maxima $150.63 $42.72
2021 Volvo S90 $150.72 $39.62
2021 Lexus ES $155.58 $41.91
2021 Mercedes-Benz C-Class $162.62 $41.74
2021 Mercedes-Benz E-Class $181.19 $41.74
2021 Audi A7 $208.43 $41.91

Full Coverage vs. Liability Insurance Costs

Liability-only coverage insurance is cheaper than full coverage because it only covers damage that you may cause, while full coverage also insures your vehicle from damage caused by outside factors, such as other drivers.

The table below displays the average annual costs for car insurance in New Hampshire:

Full-coverage policy Liability-only policy
$1,275 $389

The Best New Hampshire Car Insurance Companies

The three best automobile insurance companies in New Hampshire are Progressive Universal Insurance Company, Progressive Northern Insurance Company, and State Farm.

We used EverQuote to identify which insurance companies in New Hampshire have a market share higher than 2%. We then evaluated these insurance companies using the NAIC complain index figures. Companies with lower complaint index figures indicate fewer complaints and happier claimants.

Insurance Company Market Share Percent of Total Complaints Complaint Index
Progressive Universal Insurance Company 8.1% N/A 0.80
Progressive Northern Insurance Company 6.6% N/A 0.86
Geico Advantage Insurance Company 4.5% N/A 1.20
State Farm 11.1% N/A 1.42
Allstate Fire and Casualty Insurance Company 7.9% N/A 1.48

Disclaimer: The figures for the Complaint Index field are national numbers from the NAIC.

Tips To Lower Insurance Premiums in New Hampshire

Drivers in New Hampshire can follow these tips to maximize discounts and minimize insurance premiums:

  • Choose basic plans: Lower your auto insurance premium by choosing liability-only plans. These basic plans cost less, providing less coverage than other policies.
  • Boost your credit: Drivers with better credit scores get cheaper insurance. New Hampshire drivers with poor credit pay around $996 a year for car insurance — the most affordable coverage for those with poor credit.
  • Don’t buy straight away: You may be able to find a cheaper insurance premium if you take the time to compare policies from a range of different companies.
  • Be consistent: Consistently check for insurance policies to get the best insight into which policies will be the cheapest. It’s more time-consuming but can lead to lower premiums if you’re willing to research.

Research Methodology

We used an in-state address to identify the cheapest used vehicles to insure to provide the most relevant and accurate data for drivers in New Hampshire. We applied the New Hampshire address with a basic driver profile to research the 45 aforementioned vehicles through an insurance quote generator.

Basic Driver Profile

  • 35-year-old-male with a bachelor’s degree
  • Single and employed full time
  • Homeowner but did not bundle policies
  • Owns the vehicle rather than leases or finances it
  • Has been with the current insurance carrier for five or more years

We used vehicles on the IIHS 2021 Top Safety Pick+ 2021 list. The IIHS is an independent, nonprofit organization that collects safety data for cars on the market. We used the following limits for liability-only quotes:

  • $100,000/$300,000 liability limits
  • $100,000 property damage limits
  • $10,000 personal injury protection

For the full-coverage quotes, we included the following coverages with the liability selections:

  • $1,000 deductible on collision coverage
  • $1,000 deductible for comprehensive coverage
  • $50/$1,500 rental reimbursement
  • $100 roadside assistance

Frequently Asked Questions

What is the cheapest SUV to insure in New Hampshire?

In New Hampshire, the 2021 Subaru Forester is the cheapest SUV to insure. A full-coverage policy for this car costs $100.59 a month, while a liability-only policy costs $37.26 a month.

Are older cars cheaper to insure?

Older cars are usually cheaper to insure because they’re less valuable than brand-new vehicles. Their parts are typically also cheaper to replace, lowering insurance costs.

How much liability insurance is required in New Hampshire?

New Hampshire is unique among other states in there’s no legal requirement to have auto insurance. The state strongly recommends a minimum of liability-only coverage, however. Drivers are legally required to cover any costs resulting from accidents they cause.

What is the penalty for driving without insurance in New Hampshire?

There is no legal penalty for driving without insurance in New Hampshire. Uninsured drivers who cause collisions or damage are responsible for paying for any injury or property damage.

What is the basic insurance for a car?

The most basic insurance coverage for cars is liability-only insurance. These policies provide coverage for damage caused by your driving. If you are leasing a car, a lender may require you to have a full-coverage plan with comprehensive and collision insurance.

What car has the highest insurance rates?

The most expensive cars to insure are brand-new cars from luxury makers. Manufacturing costs and expert laborers drive up the cost of insurance. Repairing and replacing these cars is costly, and that price increases the cost to insure these vehicles.


  1. (2023.) 2021 Top Safety Picks. IIHS. Retrieved April 12, 2023 from https://www.iihs.org/ratings/top-safety-picks/2021
  2. (2023.) 2022 Automobile Insurance Consumer Frequently Asked Questions. New Hampshire Insurance Department. Retrieved April 12, 2023 from https://www.nh.gov/insurance/consumers/documents/nh_auto_guide.pdf
  3. (2023.) Average Cost of Car Insurance in New Hampshire for 2023. Bankrate. Retrieved April 12, 2023 from https://www.bankrate.com/insurance/car/average-cost-of-car-insurance-in-new-hampshire/
  4. (2023) Largest Auto Insurance Companies in New Hampshire. EverQuote. Retrieved April 21, 2023 from https://www.everquote.com/blog/car-insurance/largest-companies-new-hampshire/
  5. (2023.) Consumer Insurance Complaints Index. NAIC. Retrieved on April 12, 2023 from https://content.naic.org/cis_refined_results.htm
  6. (2023.) Which States Penalize Drivers with Poor Credit the Most? Moneygeek. Retrieved April 12, 2023 from https://www.moneygeek.com/insurance/auto/car-insurance-cost-by-state-and-credit/
FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.


About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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