New Hampshire car insurance calculator

Why you can trust Insure.com

Quality Verified

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.

If you’re driving in New Hampshire, it’s important to know how crucial it is to have car insurance that meets the state’s minimum requirements. But finding the right coverage that also fits your budget can be a bit tricky. That’s where our New Hampshire car insurance calculator comes in handy.

Use our car insurance calculator to figure out how much you might pay each year and month for auto insurance in New Hampshire. Just enter your car’s make and model, and it’ll help you make smart choices about your coverage.

New Hampshire car insurance calculator

Select Year

Vehicle Make

Vehicle Model

State

Reset

Vehicle already present. Please select a different vehicle.

Matching results for your car

Year

State

State Minimum Coverage

Liability Coverage

Full Coverage

Reset

*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.

How much is vehicle model important in calculating car insurance in New Hampshire

Car insurance rates in New Hampshire can be significantly influenced by the make and model of your vehicle. Insurers take into account a range of factors, including the specific make and model of your car, when calculating premiums.

Let’s take a look at the costs. If you have a 2022 Acura ILX 2.4L, you might pay $1,049 each year for full coverage. On the other hand, if you have a Toyota 4Runner Limited in New Hampshire, the yearly insurance might be $1,033. So, it’s $16 less compared to the Acura ILX 2.4L.

How insurers calculate car insurance in New Hampshire using car model year

In New Hampshire and many other places, a car’s model year can influence how much you pay for car insurance. For example, someone with a 2021 Chevrolet Blazer 2LT pays around $768 a year for insurance, whereas the car insurance rate for a 2022 Chevrolet Blazer 2LT is $1,045 per year.

Does the cost of car insurance in New Hampshire decrease as a vehicle gets older?

Usually, in New Hampshire, car insurance becomes cheaper for older car models. As a car gets older, its value goes down because of depreciation. Because car insurance is meant to cover the repair or replacement costs, the insurance company’s responsibility decreases with an older vehicle. This leads to lower car insurance premiums in New Hampshire.

People driving a 2020 Honda Accord LX in New Hampshire usually pay $87 per month for full coverage car insurance. On the other hand, car insurance for the 2022 Honda Accord LX costs $86 each month in New Hampshire, which is $1 less than the 2020 model.

Older vehicles might not be as tempting to thieves as newer ones with fancy security features. The lower risk of theft can also mean lower insurance costs.

You might find interesting

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 city

Car insurance cost estimate in New Hampshire

The average premium for car insurance in New Hampshire is $1,307 per year or $109 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in New Hampshire for different coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$441	$1,307	$300	$411

The bottom line: New Hampshire car insurance calculator

The car insurance calculator for New Hampshire calculates your rates using details like where you live and the year, make, and model of your vehicle. Simply input your information, and the calculator will give you estimated quotes. Keep in mind that rates can differ, so it’s a good idea to get quotes from different insurers to find the best deal that suits your needs.