Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in New Hampshire Average car insurance cost in New Hampshire The average premium for car insurance in New Hampshire is $1,265 per year or $105 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Updated on: September 9, 2024 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 51M Quotes reviewed 167 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re looking for car insurance rates in New Hampshire, the average annual premium is $1,265, per year or $105 monthly. This contrasts with the national average of $1,682, highlighting a variation of $630. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in New Hampshire, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget. Average annual cost $1,265 Average per month cost $105 Average cost for state minimum coverage $397 / Year Cheapest car insurance company Auto-Owners($803 / Year) Average cost for young drivers $2,115 / Year Average cost for Senior drivers $1,315 / Year Key TakeawaysThe average car insurance cost in New Hampshire is $1,265 per year, based on Insure.com’s analysis.In New Hampshire, the average premium for car insurance is $105 per month.Auto-Owners has the cheapest car insurance rates in New Hampshire, at an average annual rate of $803 a year.Average car insurance cost in New Hampshire per monthIn New Hampshire, the monthly rate for car insurance is $105.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in New Hampshire, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in New HampshireAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in New Hampshire is Auto-Owners, with an average annual cost of $803 and a monthly average of $67. Following closely is The Hanover, providing coverage at an average monthly rate of $86.The following table lists additional car insurance companies operating in New Hampshire and their respective average monthly and annual costs. Affordable car insurance providers in New Hampshire Graph Table Company nameAverage per month costAverage annual costAuto-Owners$67$803The Hanover$86$1,027MMG Insurance$86$1,038Nationwide$95$1,145State Farm$96$1,155Geico$101$1,212Progressive$112$1,343Farmers$163$1,954Allstate$177$2,123USAA$71$852 Read our guide to cheap car insurance companies New Hampshire car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State New Hampshire Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $1,574/Year OR $131/month New Hampshire Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in New HampshireThe extent of coverage you select determines car insurance costs in New Hampshire. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in New Hampshire amounts to $416.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in New Hampshire stands at $1,265.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In New Hampshire, the average annual cost for non-owner state minimum liability coverage stands at $318.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $397 in New Hampshire. 1State minimum:$3972Liability only:$4163Full coverage:$1,2654Non-owners:$318 Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in New Hampshire by cityConcordDoverManchesterNashuaRochesterAverage car insurance cost in New Hampshire by cityYour car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.The table below depicts the top popular cities in New Hampshire:CityAverage annual costClaremont$1,212Concord$1,218Dover$1,249Keene$1,181Laconia$1,243Lebanon$1,202Manchester$1,436Nashua$1,317Portsmouth$1,230Rochester$1,239Average car insurance cost in New Hampshire by age of the driverAge is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in New Hampshire, the average annual rate for young drivers is $2,115, whereas for seniors, it’s $1,315. Notably, the rate for young drivers surpasses that of senior drivers by $800.Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.Average car insurance cost in New Hampshire for young driversIn New Hampshire, female young drivers typically pay an average annual car insurance cost of $2,014 and $168 per month.Conversely, male young drivers pay an average annual rate of $2,215, or $185 per month.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$2,836$2,52421$2,350$2,12822$2,093$1,91823$1,963$1,80924$1,835$1,693Average car insurance cost in New Hampshire for senior driversIn New Hampshire, senior female drivers pay an annual car insurance cost of $1,298, equating to $108 per month. Similarly, male senior drivers face an average yearly expense of $1,333, or $111 per month.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,201$1,17570$1,322$1,29875$1,475$1,423Read more about senior car insurance.Minimum car insurance requirements in New HampshireEvery state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the New Hampshire Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in New Hampshire:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $25,000Cheapest cars to insure in New HampshireThe Hyundai Venue is most affordable average annual insurance premium, standing at $1,143, with the Chevrolet TrailBlazer trailing closely behind at $1,150. The annual difference in insurance costs between these two models amounts to $7.MakeModelAverage annual premiumHyundaiVenue$1,143ChevroletTrailBlazer$1,150HondaHR-V$1,166MazdaCX-30$1,174BuickEncore GX$1,204KiaSeltos$1,208HyundaiKona$1,228FordMaverick$1,237SubaruForester$1,249SubaruCrosstrek$1,255Most expensive cars to insure in New HampshireTopping the list as the most expensive car to insure is the Maserati Quattroporte Trofeo, at an average annual premium of $4,312. Notably, the annual difference between the least and most expensive cars to insure amounts to $3,169.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$4,312PorscheTaycan Turbo$4,280MaseratiQuattroporte$4,252BMWM8$4,159PorschePanamera Turbo S E-Hybrid$4,075MaseratiGhibli Trofeo$4,036AudiR8 Performance$4,019AudiE-Tron GT$3,933AudiR8$3,901PorscheTaycan GTS$3,896MethodologyThe Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary. 57M Quotes reviewed 136 No. of carriers analyzed 34.5K ZIP codes analyzed How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in New-Hampshire Non-owner auto insurance in New Hampshire Average renters insurance cost in New Hampshire Average homeowners insurance cost in New Hampshire Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in New Hampshire per monthCheapest car insurance companies in New HampshireAverage cost of car insurance by coverage levels in New HampshireAverage car insurance cost in New Hampshire by cityAverage car insurance cost in New Hampshire by age of the driverMinimum car insurance requirements in New HampshireCheapest cars to insure in New HampshireMost expensive cars to insure in New HampshireMethodology ZIP Code Please enter valid ZIP See rates