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.
- Minimum liability coverage in New Hampshire costs around $397 per year, based on CarInsurance.com’s data analysis.
In New Hampshire, estimating the cost of car insurance depends on factors like your age, driving history, ZIP code, and the type of vehicle you own, all of which significantly impact your rates.
With CarInsurance.com’s car insurance calculator, you can get an estimate based on your basic details for three coverage options in New Hampshire: Full coverage with limits of 100/300/100, liability only with limits of 50/100/50 and state minimum coverage. Use the tool below to see your average insurance rates.
Car insurance calculator New Hampshire: How to get auto insurance estimates
When it comes to shopping for a policy, CarInsurance.com editors recommend that you get quotes from three different companies around renewal time – every six months – or annually. Get estimates for car insurance by using an online quoting tool.
Why? Because insurance companies have proprietary rating systems, each insurer rates factors like age or driving record differently. So, if you get a ticket, one company might penalize you 5%, while another company could penalize you 20%.
What factors affect car insurance estimates in New Hampshire?
Insurance costs vary a lot from state to state, mainly due to different laws. Some states follow tort insurance law, while others use “no-fault” insurance law. In states with tort law, the driver who caused the accident is responsible for paying for the damages. This often leads to legal disputes to figure out who is at fault and how much they should pay.
On the other hand, no-fault insurance laws in some U.S. states simplify the process by requiring each driver’s insurance to pay for their own injuries, no matter who is at fault for 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.”
Find out your estimated car insurance rates in New Hampshire by using the calculator below based on your vehicle’s 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
Insuring a used car in New Hampshire typically costs less than insuring a newer vehicle due to the car’s depreciation value, which affects the replacement cost. The premiums may vary based on your car’s age, make, model and driving history, but it’s recommended that you compare multiple insurance quotes to find the best rate.
Use the car insurance calculator below to estimate your rates in New Hampshire for used cars by 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?
The amount of car insurance you require is based on your financial situation, the value of your car and your risk tolerance. For financed or leased vehicles, your lender may ask you to purchase comprehensive and collision coverage, which, when combined with liability, is known as full coverage.
Each state, including New Hampshire, has different minimum insurance requirements. However, these minimums provide only basic coverage and often fail to offer sufficient financial protection in the event of a severe car 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?
In New Hampshire, the full coverage car insurance comprises collision, comprehensive and liability with the limits of 100/300/100 and cost $105 a month. On the other hand, state minimum coverage costs $33 and liability policy with limits 50/100/50 is $35 monthly.
Does your age impact how much you pay for insurance in New Hampshire?
Young drivers in New Hampshire typically face higher car insurance rates due to their limited driving experience and a higher likelihood of being involved in accidents. Insurance companies factor this increased risk into their premium calculations, leading to higher costs for younger drivers.
In addition, young drivers are more prone to risky behaviors like speeding and distracted driving, which further raises 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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