- The average cost of car insurance in New Hampshire is $1,689 a year or $141 per month, based on our data analysis.
- Minimum liability coverage in New Hampshire costs around $673 annually for limits of 25/50/25, while liability-only coverage costs $722 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in New Hampshire, costing $1,216 per year.
- In New Hampshire, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 39%, a DUI raising rates by 66%, and an at-fault accident by up to 61%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that GEICO offers the most affordable car insurance at $1,216 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in New Hampshire. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in New Hampshire and how much you need.
How much is car insurance in New Hampshire?
In New Hampshire, drivers pay an average of $141 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in New Hampshire based on driver profile:
- Teen drivers in New Hampshire pay the most – about $522 a month or $6,258 a year.
- Young drivers in their 20s pay an average of $260 monthly or $3,124 annually, for car insurance.
- Senior drivers pay around $154 monthly or $1,842 a year.
- A speeding ticket can increase your rates to $195 monthly or $2,343 annually.
- An at-fault accident increases car insurance rates to $227 a month or $2,722 a year.
- Poor credit drivers usually see their car insurance costs increase to $289 monthly or $3,462 annually.
Average cost of auto insurance in New Hampshire by coverage level
Car insurance costs in New Hampshire can differ based on the coverage limit. To legally drive, New Hampshire residents must adhere to the minimum liability limits of 25/50/25.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the New Hampshire car insurance costs for three different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $56 | $673 |
| Liability Only – 50/100/50 BI/PD | $60 | $722 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $141 | $1,689 |
State minimum car insurance in New Hampshire
New Hampshire’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
The state minimum car insurance cost in New Hampshire is $673 a year. However, this basic coverage only offers limited protection. New Hampshire drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in New Hampshire must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in New Hampshire
According to CarInsurance.com data, liability-only car insurance costs $722 in New Hampshire for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in New Hampshire
On average, premiums for full coverage car insurance in New Hampshire cost $1,689 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in New Hampshire
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of New Hampshire have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in New Hampshire
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in New Hampshire by car model
In New Hampshire, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle make and model in New Hampshire.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in New Hampshire
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. New Hampshire drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,695 annually.
Car insurance for drivers aged 16-19 costs $4,563 more annually than New Hampshire drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,258 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,976 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,695 per year in New Hampshire.
- For senior drivers: Drivers age 65 and older can expect to pay $1,842 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in New Hampshire
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In New Hampshire, a DUI conviction often results in higher premiums and you may see an increase of up to 66% as insurers perceive you as a high-risk driver.
If you get caught speeding in New Hampshire, your car insurance rates will increase by 39% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in New Hampshire following driving incidents:
- Speeding ticket: Up to 39% increase
- DUI conviction: 66% increase
- At-fault accident (bodily injury and property damage): 61% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in New Hampshire for high-risk drivers
In New Hampshire, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in New Hampshire
In New Hampshire, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in New Hampshire by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in New Hampshire, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $396 | $436 | $1,216 |
| Auto-Owners | $401 | $452 | $1,470 |
| Nationwide | $1,023 | $974 | $1,480 |
| Progressive | $624 | $668 | $1,548 |
| Safety Insurance | $615 | $688 | $1,587 |
| MMG Insurance | $356 | $375 | $1,606 |
| Allstate | $870 | $943 | $1,920 |
| State Farm | $1,111 | $1,252 | $2,307 |
| Farmers | $814 | $790 | $2,656 |
Car insurance rates by city in New Hampshire
Nashua is the priciest city in New Hampshire for car insurance, costing an average of $1,842 annually. On the other hand, Keene is the most affordable city, where drivers pay an average of $1,620 per year for car insurance.
Car insurance premiums differ across cities in New Hampshire and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for New Hampshire’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in New Hampshire per month?
Car insurance in New Hampshire costs an average of $141 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $56 |
| Liability Only – 50/100/50 BI/PD | $60 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $141 |
Final thoughts on choosing car insurance in New Hampshire
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in New Hampshire. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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