Car Insurance After an Accident in New Hampshire: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in New Hampshire increases insurance by 32%, raising full coverage from $1,254/year to $1,655/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$105/mo
After At-Fault Accident (+32%)
$138/mo
Cheapest Companies After Accident in New Hampshire
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $102/mo | $1,225/yr | Military families |
| Erie Insurance | $109/mo | $1,307/yr | Rate lock guarantee |
| GEICO | $113/mo | $1,357/yr | Clean driving record |
| Progressive | $121/mo | $1,456/yr | Telematics savings |
| State Farm | $126/mo | $1,506/yr | Good students |
| Travelers | $131/mo | $1,572/yr | Multiple discounts |
| Nationwide | $143/mo | $1,721/yr | Bundling home + auto |
| Farmers | $149/mo | $1,787/yr | Signal telematics |
| Allstate | $154/mo | $1,854/yr | Accident forgiveness |
| Liberty Mutual | $163/mo | $1,953/yr | New car replacement |
USAACheapest
Monthly
$102/mo
Annual
$1,225/yr
Best for: Military families
Erie Insurance
Monthly
$109/mo
Annual
$1,307/yr
Best for: Rate lock guarantee
GEICO
Monthly
$113/mo
Annual
$1,357/yr
Best for: Clean driving record
Progressive
Monthly
$121/mo
Annual
$1,456/yr
Best for: Telematics savings
State Farm
Monthly
$126/mo
Annual
$1,506/yr
Best for: Good students
Travelers
Monthly
$131/mo
Annual
$1,572/yr
Best for: Multiple discounts
Nationwide
Monthly
$143/mo
Annual
$1,721/yr
Best for: Bundling home + auto
Farmers
Monthly
$149/mo
Annual
$1,787/yr
Best for: Signal telematics
Allstate
Monthly
$154/mo
Annual
$1,854/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$163/mo
Annual
$1,953/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses