- 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 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 Auto-Owners offers the most affordable car insurance at $803 per year.
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 get a clear idea of how car insurance in New Hampshire works and how much coverage you need.
How much is car insurance in New Hampshire?
According to CarInsurance.com data, drivers in New Hampshire pay about $105 per month for full coverage car insurance.
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 $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
In New Hampshire, the cost of car insurance can vary depending on how much coverage you purchase. New Hampshire drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in New Hampshire, but it doesn’t offer adequate protection.
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.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in New Hampshire for 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.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
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.
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.
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 ( Liability - Minimum)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in New Hampshire by car model
Car insurers in New Hampshire use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less 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 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
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Car insurance companies know teen drivers are less experienced and riskier to insure. New Hampshire drivers aged 30 to 60 have the lowest average auto insurance rates at $1,245 annually.
New Hampshire drivers aged 16-19 pay $2,896 more for insurance premiums than 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
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In New Hampshire, a DUI conviction lead to increased rates and you may see a rate hike of up to 69% as insurers categorize 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 is how much your car insurance rate increases in New Hampshire after driving incidents:
- Speeding ticket: Up to 33% increase
- DUI conviction: 69% increase
- At-fault accident (bodily injury and property damage): 46% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in New Hampshire for high-risk drivers
In New Hampshire, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and 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
Drivers in New Hampshire can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
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 New Hampshire’s most expensive city for car insurance at an average cost of $1,436 annually. Swanzey is the state’s least expensive city, with an average car insurance 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.
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 $105 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.
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.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in New Hampshire.
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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