Car insurance premiums in New Hampshire can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in New Hampshire by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in New Hampshire
In New Hampshire, Hyundai Venue and Honda HR-V have the cheapest car insurance rates, followed by Chevrolet TrailBlazer and Buick Encore GX, based on our research.
The table below highlights the most affordable vehicles to insure in New Hampshire, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Hyundai Venue | $669 |
| Honda HR-V | $685 |
| Chevrolet TrailBlazer | $693 |
| Buick Encore GX | $716 |
| Honda CR-V | $722 |
| Chevrolet Express | $725 |
| Subaru Forester | $726 |
| Hyundai Kona | $735 |
| Subaru Outback | $740 |
| Chrysler Voyager | $740 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in New Hampshire
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in New Hampshire
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $779. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Versa ranks second on our list with an insurance cost of $813, followed by Volkswagen Jetta, which costs $846 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in New Hampshire and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $779 |
| Nissan Versa | $813 |
| Volkswagen Jetta | $846 |
| Kia Forte | $850 |
| Chevrolet Malibu | $869 |
| Nissan Sentra | $870 |
| Mazda 3 Sedan | $878 |
| Hyundai Elantra | $883 |
| Honda Accord | $884 |
| Honda Civic Sedan | $885 |
| Toyota Corolla | $893 |
| Mitsubishi Mirage G4 | $899 |
| Toyota Camry | $901 |
| Kia K5 | $926 |
| Nissan Altima | $928 |
| Volkswagen Jetta GLI | $937 |
| Hyundai Sonata | $949 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in New Hampshire
The Honda HR-V and Chevrolet TrailBlazer have the lowest car insurance rates, at $685 and $693, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $685 |
| Chevrolet TrailBlazer | $693 |
| Buick Encore GX | $716 |
| Honda CR-V | $722 |
| Subaru Forester | $726 |
| Hyundai Kona | $735 |
| Subaru Crosstrek | $744 |
| Mazda CX-5 | $745 |
| Mazda CX-30 | $750 |
| Volkswagen Tiguan | $751 |
| Toyota Corolla Cross | $752 |
| Ford Escape | $753 |
| Kia Seltos | $756 |
| Kia Sportage | $762 |
| Chevrolet Trax | $763 |
| Chevrolet Equinox | $767 |
| Volkswagen Taos | $767 |
| Jeep Wrangler | $769 |
| Kia Soul | $773 |
| Hyundai Tucson | $776 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in New Hampshire
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Mazda MX-5 Miata is one of the most inexpensive models on our list, with an average cost of $832.
See the table below for average full coverage car insurance rates of different sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $832 |
| Chevrolet Camaro | $1,015 |
| Honda Civic Si | $1,018 |
| Subaru WRX | $1,120 |
| Toyota GR Supra | $1,124 |
| Toyota GR86 | $1,149 |
| Ford Mustang | $1,172 |
| Subaru BRZ | $1,183 |
| Toyota GR Corolla | $1,222 |
| BMW Z4 | $1,236 |
| Porsche 718 Boxster | $1,256 |
| Chevrolet Corvette | $1,301 |
| Honda Civic Type R | $1,315 |
| Porsche 718 Cayman | $1,331 |
| Chevrolet Camaro ZL1 | $1,499 |
| Nissan Z | $1,655 |
| Jaguar F-Type | $1,749 |
| Chevrolet Corvette Z06 | $1,766 |
| Porsche 911 | $1,995 |
| Porsche 911 GT3 | $2,064 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in New Hampshire
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $847 for a full coverage six-month policy. It is followed by the Volvo XC40 ($877) and Cadillac XT4 ($888).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $847 |
| Volvo XC40 | $877 |
| Cadillac XT4 | $888 |
| Audi Q3 | $896 |
| Lincoln Corsair | $911 |
| Mercedes-Benz GLB-Class | $917 |
| Mercedes-Benz GLA-Class | $928 |
| Cadillac XT5 | $930 |
| Acura MDX | $936 |
| Lexus RX | $939 |
| Lexus NX | $949 |
| Mercedes-Benz GLC-Class | $962 |
| Alfa-Romeo Tonale | $967 |
| Cadillac XT6 | $977 |
| BMW X3 | $982 |
| Acura Integra | $991 |
| BMW X1 | $1,002 |
| Cadillac CT4 | $1,016 |
| BMW X2 | $1,021 |
| Infiniti QX50 | $1,026 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in New Hampshire
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,442 annually, which breaks down to $204 monthly.
The table below highlights the most affordable EVs to insure in New Hampshire, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Hyundai Kona Electric | $821 |
| Mini Cooper Electric | $826 |
| Kia Niro EV | $861 |
| Volkswagen ID.4 | $883 |
| Chevrolet Silverado EV | $898 |
| Nissan Leaf | $930 |
| Subaru Solterra | $964 |
| Hyundai Ioniq 5 | $977 |
| Ford F-150 Lightning | $1,017 |
| Toyota bZ4X | $1,018 |
| Hyundai Ioniq 6 | $1,020 |
| Audi Q4 e-tron | $1,041 |
| Kia EV6 | $1,046 |
| Genesis Electrified GV70 | $1,050 |
| Chevrolet Blazer EV | $1,052 |
| Ford Mustang Mach-E | $1,059 |
| Mercedes-Benz EQB | $1,103 |
| Volvo XC40 Recharge | $1,112 |
| Toyota Mirai | $1,129 |
| Volvo C40 Recharge | $1,132 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in New Hampshire
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $2,422 to insure a Chevrolet TrailBlazer, while insuring a Hyundai Venue costs $2,433 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in New Hampshire?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Hyundai Kona Electric costs $821, whereas the cost of insuring a Mini Cooper Electric is $826 for the same coverage.
Which SUVs are the cheapest to insure in New Hampshire?
In New Hampshire, insuring a Honda HR-V SUV costs about $685 for six months, making it one of the most affordable options. The Chevrolet TrailBlazer and Buick Encore GX also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in New Hampshire?
The Chevrolet TrailBlazer, Hyundai Venue, Honda HR-V and Subaru Forester are some of the cheapest cars to insure for an 18-year-old driver in New Hampshire. On the other hand, Maserati Quattroporte, BMW M8 Gran Coupe and BMW M8 are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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