Car insurance costs in New Hampshire vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Auto-Owners offers the cheapest annual rates for full coverage car insurance in New Hampshire at $803 annually.
This comprehensive guide to buying car insurance for New Hampshire drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how car insurance works in New Hampshire and how much you need.
- Auto-Owners provides the most affordable annual rates for full coverage car insurance in New Hampshire, costing $803 per year.
- In New Hampshire, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in New Hampshire costs $397 annually for limits of 25/50/25, while liability-only coverage costs $416 per year for limits of 50/100/50.
- In New Hampshire, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 33%, a DUI raising rates by 69%, and an at-fault accident by up to 46%.
How much is car insurance in New Hampshire?
In New Hampshire, drivers pay an average of $105 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in New Hampshire by coverage level
In New Hampshire, the cost of car insurance can vary depending on how much coverage you purchase. New Hampshire drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in New Hampshire. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in New Hampshire for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $33 | $397 |
| Liability Only – 50/100/50 BI/PD | $35 | $416 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $105 | $1,265 |
State minimum car insurance in New Hampshire
New Hampshire’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
In New Hampshire, you can get state minimum car insurance for $397 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in New Hampshire must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in New Hampshire
According to CarInsurance.com data, liability-only car insurance costs $416 in New Hampshire for limits 50/100/50.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in New Hampshire
The average annual premium in New Hampshire is $1,265 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
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Calculate the cost of car insurance in New Hampshire
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, people living in higher-risk neighborhoods of New Hampshire have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
New Hampshire Car Insurance Rates by ZIP Code
Estimate car insurance in New Hampshire by car model
New Hampshire car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much car insurance costs for your car make and model in New Hampshire.
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in New Hampshire
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. New Hampshire drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,245 annually.
Car insurance for drivers aged 16-19 costs $2,896 more annually than New Hampshire drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,141 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,029 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,245 per year in New Hampshire.
- For senior drivers: Drivers age 65 and older can expect to pay $1,315 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in New Hampshire
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In New Hampshire, a DUI conviction often results in higher premiums and you may see an increase of up to 69% as insurers perceive you as a high-risk driver.
Similarly, if you get a speeding ticket in New Hampshire, you’ll likely see an increase in your car insurance premium by up to 33% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in New Hampshire after driving incidents:
- Speeding ticket: Up to 33% increase
- DUI conviction: 69% increase
- At-fault accident (bodily injury and property damage): 46% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in New Hampshire for high-risk drivers
In New Hampshire, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Auto-Owners | $1,154 |
| USAA | $1,255 |
| State Farm | $1,271 |
| The Hanover | $1,603 |
| Nationwide | $1,934 |
| Progressive | $2,146 |
| Geico | $2,390 |
| Allstate | $3,105 |
| Farmers | $3,578 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in New Hampshire
In New Hampshire, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Start your search for the best car insurance policy in New Hampshire by getting quotes from several insurers for comparison.
In the table below, see an overview of various car insurance companies in New Hampshire, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Auto-Owners | $222 | $255 | $803 |
| The Hanover | $191 | $227 | $1,027 |
| MMG Insurance | $242 | $255 | $1,038 |
| Nationwide | $686 | $626 | $1,145 |
| State Farm | $306 | $349 | $1,155 |
| Geico | $361 | $395 | $1,212 |
| Progressive | $417 | $434 | $1,343 |
| Farmers | $507 | $499 | $1,954 |
| Allstate | $808 | $857 | $2,123 |
| USAA | $232 | $259 | $852 |
Car insurance rates by city in New Hampshire
Manchester is the most expensive city in New Hampshire, with an average car insurance rate of $1,436 a year. Swanzey is the cheapest city for New Hampshire drivers at an average rate of $1,178 annually.
Car insurance premiums differ across cities in New Hampshire and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in New Hampshire.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $855 |
| Auto-Owners | $888 |
| MMG Insurance | $979 |
| The Hanover | $1,116 |
| Nationwide | $1,130 |
| Geico | $1,201 |
| State Farm | $1,207 |
| Progressive | $1,528 |
| Farmers | $1,817 |
| Allstate | $2,068 |
How much does car insurance cost in New Hampshire per month?
The average cost of a full-coverage car insurance policy in New Hampshire costs $105 monthly for coverage limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $33 |
| Liability Only – 50/100/50 BI/PD | $35 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $105 |
Final thoughts on choosing car insurance in New Hampshire
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in New Hampshire.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in New Hampshire. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of New Hampshire