The type of vehicle you own in New Hampshire can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in New Hampshire for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in New Hampshire
Our analysis shows that the Hyundai Venue and the Honda HR-V have the lowest average insurance costs in New Hampshire, with Chevrolet TrailBlazer and Buick Encore GX close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in New Hampshire and their average six-month full coverage insurance 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
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in New Hampshire
Our data shows that Subaru Legacy is the most affordable sedan to insure in New Hampshire. Its average six-month full coverage cost is $779 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Nissan Versa takes the second spot at $813, while the Volkswagen Jetta comes in third with an average cost of $846.
The table below shows the cheapest sedans to insure in New Hampshire and their average full coverage six-month costs.
| 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
In New Hampshire, the Honda HR-V and Chevrolet TrailBlazer are some of the most affordable SUVs to insure with an average six-month full coverage cost of $685 and $693 respectively. See the table below for the complete list of affordable SUVs to insure.
| 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 vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $847, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Volvo XC40 at $877 and the Cadillac XT4 at $888.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| 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
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $2,442 annually, or $204 monthly.
The table below lists the most affordable EVs to insure in New Hampshire and their six-month average full coverage rates.
| 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
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Chevrolet TrailBlazer is $2,422, while insuring a Hyundai Venue costs $2,433 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in New Hampshire?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $821 for a six-month full coverage policy to insure the Hyundai Kona Electric, and you can expect to pay an average of $826 for the Mini Cooper Electric 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 18-year-olds in New Hampshire. However, insuring models such as the Maserati Quattroporte, BMW M8 Gran Coupe and BMW M8 can be significantly more expensive due to higher risk factors.
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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