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Amica car insurance in New Hampshire

Amica writes personal auto insurance in New Hampshire. We found no New Hampshire-specific restrictions published on its own pages.

What Amica costs in New Hampshire

New Hampshire average, all insurers
$1,032 / yr
About 28% below the national average
Amica average, nationwide
$3,167/yr
vs. $2,356 national average, full coverage
National average $2,356New Hampshire average, all insurers$1,032 / yrAmica, national average$3,167/yr

Two different measurements, shown together for context and deliberately not combined. Neither is what Amica would quote you in New Hampshire.

Why there is no third number here

Those two figures measure different things, and multiplying them together would not produce a third. No public dataset publishes what Amica specifically charges in New Hampshire — rate filings are not compiled that way, and any site showing you that number has estimated it. We would rather show you the two real figures and be clear about what they do not tell you. The only number that describes your situation is a quote on your own ZIP code, vehicle and driving record.

What’s different about Amica in New Hampshire

We did not find any New Hampshire-specific restrictions published on Amica’s own pages. That is not the same as there being none — carriers do not always publish every state variation, and availability can change between renewals. Confirm the specific discounts you are counting on when you quote.

What New Hampshire requires you to carry

Minimum liability25/50/25

New Hampshire is the only state that doesn't require drivers to carry auto insurance — but it does require proof you can cover damages you cause, up to limits equivalent to 25/50/25, if you're ever at fault in an accident. Most drivers carry a standard policy rather than risk paying a claim out of pocket.

Driving uninsured in New Hampshire isn't illegal on its own, but causing an accident without the ability to pay for it can mean license suspension until you do, plus ongoing proof-of-financial-responsibility filings for several years afterward.

Full New Hampshire rates and requirements →

What moves a New Hampshire premium most

·ZIP code and where the car sits overnight — the biggest single lever.
·Annual mileage, which most insurers weight heavily.
·Driving record over the last three years, especially at-fault claims.
·Continuous coverage history. Gaps cost more than most discounts save.
·Credit history, which factors into most insurers' models here.

How Amica scores nationally

These are national measures — J.D. Power and NAIC do not publish per-state breakdowns at carrier level, so this scorecard describes Amica as a company rather than its performance in New Hampshire specifically.

Category
AmicaOur score, 1–5
PriceAverage annual full-coverage premium · 25% of score
2.0$3,167/yr
Average full coverage vs. $2,356 national average
Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score
4.0718/1,000
J.D. Power 2025 claims study, segment average 700
Complaint recordComplaints relative to company size · 15% of score
4.5Fewer than expected
Complaints relative to company size, NAIC data 2022–2024
Financial strengthAM Best Financial Strength Rating · 10% of score
4.5A+
AM Best Financial Strength Rating
DiscountsBreadth of published discounts · 15% of score
5.017 published
Discounts on the carrier's own pages · Telematics: StreetSmart
Digital experienceApp ratings and self-service depth · 15% of score
3.54.82 iOS / 3.2 Android
App Store (7.9K ratings) and Google Play (762 ratings), August 2026

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Amica in New Hampshire, answered

The questions New Hampshire drivers ask about this carrier.

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