- The average cost of car insurance in New Hampshire is $1,265 a year or $105 per month, based on our data analysis.
- Minimum liability coverage in New Hampshire costs around $397 annually for limits of 25/50/25, while liability-only coverage costs $416 per year for limits of 50/100/50.
- Auto-Owners provides the most affordable annual rates for full coverage car insurance in New Hampshire, costing $803 per year.
- In New Hampshire, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 33%, a DUI raising rates by 69%, and an at-fault accident by up to 46%.
Car insurance costs in New Hampshire vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Auto-Owners offers the cheapest annual rates for full coverage car insurance in New Hampshire at $803 annually.
This comprehensive guide to buying car insurance for New Hampshire drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in New Hampshire works and how much insurance you need.
How much is car insurance in New Hampshire?
CarInsurance.com data found that drivers in New Hampshire pay $105 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in New Hampshire based on driver profile:
- Teen drivers in New Hampshire pay the most — about $345 a month or $4,141 a year.
- Young drivers in their 20s pay an average of $176 monthly or $2,115 annually, for car insurance.
- Senior drivers pay around $110 monthly or $1,315 a year.
- A speeding ticket can increase your rates to $144 monthly or $1,733 annually.
- An at-fault accident increases car insurance rates to $163 a month or $1,959 a year.
- Poor credit drivers usually see their car insurance costs increase to $217 monthly or $2,599 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 | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $33 | $397 |
| Liability Only – 50/100/50 BI/PD | $35 | $416 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $105 | $1,265 |
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 $397 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 $416 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
In New Hampshire, you can expect to pay around $1,265 per year for full coverage car insurance 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in New Hampshire
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in New Hampshire pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
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!
Calculate the cost of car insurance in New Hampshire
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in New Hampshire have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
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)
Estimate car insurance in New Hampshire by car model
New Hampshire car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car 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 $1,245 annually.
Car insurance for drivers aged 16-19 costs $2,896 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 $4,141 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,029 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,245 per year in New Hampshire.
- For senior drivers: Drivers age 65 and older can expect to pay $1,315 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 69% as insurers perceive you as a high-risk driver.
If you get caught speeding in New Hampshire, your car insurance rates will increase by 33% 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 33% increase
- DUI conviction: 69% increase
- At-fault accident (bodily injury and property damage): 46% 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 |
|---|---|---|---|
| Auto-Owners | $222 | $255 | $803 |
| The Hanover | $191 | $227 | $1,027 |
| MMG Insurance | $242 | $255 | $1,038 |
| Nationwide | $686 | $626 | $1,145 |
| State Farm | $306 | $349 | $1,155 |
| GEICO | $361 | $395 | $1,212 |
| Progressive | $417 | $434 | $1,343 |
| Farmers | $507 | $499 | $1,954 |
| Allstate | $808 | $857 | $2,123 |
| USAA | $232 | $259 | $852 |
Car insurance rates by city in New Hampshire
Manchester is the most expensive city in New Hampshire, with an average car insurance rate of $1,436 a year. Swanzey is the cheapest city for New Hampshire drivers at an average rate of $1,178 annually.
Car insurance rates vary by city in New Hampshire for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in New Hampshire.
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?
The average cost of a full-coverage car insurance policy in New Hampshire costs $105 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $33 |
| Liability Only – 50/100/50 BI/PD | $35 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $105 |
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 September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
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.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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