CarInsurance.com Insights
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in New Hampshire.
- The average annual cost of a full coverage policy in New Hampshire with liability limits of 100/300/100 is $1,265 or $105 per month.
- The minimum liability coverage in New Hampshire costs around $397 per year, based on CarInsurance.com’s data analysis.
When it comes to estimating the cost of car insurance in New Hampshire, personal factors like your age, driving record, ZIP code and the type of vehicle you own or drive matter.
CarInsurance.com’s car insurance rate calculator takes basic details into account to give you a rate estimate in New Hampshire at three different coverage levels – full coverage (with limits of 100/300/100), liability only (with limits of 50/100/50) and the state minimum. See your average insurance rates in the calculator below.
Car insurance calculator New Hampshire: How to get auto insurance estimates
CarInsurance.com editors suggest getting quotes from at least three different insurers when shopping for a policy, either at renewal time – every six months – or annually.
Because each insurer uses its own rating system, they weigh factors like age and driving history differently. If you get a ticket, one insurer may increase your premium by 5%, while another could raise it by 20%.
What factors affect car insurance estimates in New Hampshire?
The biggest variation in insurance estimates from state to state depends on the state law. Tort insurance law varies from no-fault insurance law. Tort insurance law operates on the principle that the person responsible for causing an accident is liable for the damages. This often leads to litigation to determine fault and the extent of damage.
On the contrary, no-fault insurance laws, adopted in several U.S. states, simplify this process by mandating each party’s insurance company to cover their clients’ bodily injury losses, regardless of who caused the accident.
Learn more: The 10 most important factors that affect car insurance rates
Calculate new car insurance rates in New Hampshire by car model
It’s a good idea to get car insurance quotes before you purchase a new vehicle so you can factor that cost into your overall budget. Cars with smaller engines and advanced safety features generally have lower insurance premiums, making them a more affordable option to insure. On the contrary, luxury and sports cars usually have higher insurance costs.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $2,134 |
| Electric | $2,108 |
| Hatchback | $1,430 |
| Hybrid | $1,710 |
| Luxury Car | $2,279 |
| Luxury SUV | $1,939 |
| Minivan | $1,486 |
| Performance SUV | $2,449 |
| Sedan | $1,517 |
| Sports Car | $2,462 |
| Station Wagon | $1,836 |
| SUV | $1,406 |
| Truck | $1,536 |
| Van | $1,263 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
Use the car insurance calculator below to estimate your rates in New Hampshire by make and model.
Insurance rates by car model
Speak with a friendly agent and get your quote in minutes!
New Hampshire car insurance estimates for used cars
Car insurance estimates for used cars in New Hampshire are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in New Hampshire.
Use the calculator below to determine your car insurance rates for used cars in New Hampshire, depending on your vehicle’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple steps
FAQ: How to estimate car insurance rates before buying a car in New Hampshire
How much auto insurance do I need in New Hampshire?
How much car insurance you need depends on several factors, including financial circumstances, the car’s value and your risk tolerance. If your vehicle is leased or financed, the lender will likely require you to secure comprehensive and collision coverage, commonly known as full coverage, when combined with liability.
Every state has different minimum car insurance coverage requirements. But the minimum requirements usually don’t provide enough protection if you’re involved in an accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in New Hampshire per month?
New Hampshire car insurance estimate for full coverage comprises collision, comprehensive and liability with 100/300/100 and cost $105 per month. For the state minimum liability, it’s $33, and $35 for a liability policy with limits of 50/100/50.
Does your age impact how much you pay for insurance in New Hampshire?
Young drivers often pay more for car insurance in New Hampshire due to their lack of driving experience and statistically higher risk of getting into accidents. Insurance companies use this data to calculate risk, and this factor is built into the premiums that young drivers pay.
Additionally, young drivers are more likely to engage in risky behaviors such as speeding and distracted driving, further increasing the cost of their car insurance.
Calculate car insurance rates in your neighboring states
Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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