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.
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.
Car insurance calculator New Hampshire: How to get auto insurance estimates
CarInsurance.com editors recommend comparing quotes from at least three different car insurance companies when your policy is up for renewal. You can use online quoting tools to find car insurance estimates.
Every insurance company uses its own unique rating system, meaning they assess factors like age or driving history differently. For example, if you get a ticket, one insurer might raise your premium by 5%, while another could increase it by 20%.
What factors affect car insurance estimates in New Hampshire?
Insurance estimates vary between states because of different insurance laws. In tort insurance states, the driver who caused the accident is responsible for covering the damages, and this often involves litigation to determine fault and damage costs.
Unlike tort laws, no-fault insurance laws in several U.S. states streamline the process by having each party’s insurance cover their own injury costs, regardless of who caused the accident.
Learn about 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
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 need depends on various factors, including your financial situation, the value of your vehicle, and your risk tolerance. If your car is leased or financed, your lender may require comprehensive and collision coverage when paired with liability, this is known as full coverage.
Each state has different minimum insurance requirements, including New Hampshire. But keep in mind that minimums are merely that – and are rarely enough financial protection in the event of a serious 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?
The monthly cost of full coverage car insurance in New Hampshire, including collision, comprehensive, and 100/300/100 liability, is $105. For state minimum liability, it’s $33 per month, while liability coverage with 50/100/50 limits costs $35 monthly.
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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