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.
- Auto-Owners provides the most affordable annual rates for full coverage car insurance in New Hampshire, costing $803 per year.
- In New Hampshire, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- 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.
- 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%.
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 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.
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.
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 laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for 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 be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in New Hampshire
Liability-only car insurance costs $416 in New Hampshire for coverage limits of 50/100/50, according to CarInsurance.com data.
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 $1,265 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
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.
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.
New Hampshire car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
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
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In New Hampshire, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in New Hampshire can increase your premiums by up to 69% because insurers see you as a risky 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.
| Company Name | Insurance Rates |
|---|---|
| Auto-Owners | $1,154 |
| USAA | $1,255 |
| State Farm | $1,271 |
| The Hanover | $1,603 |
| Nationwide | $1,934 |
| Progressive | $2,146 |
| Geico | $2,390 |
| Allstate | $3,105 |
| Farmers | $3,578 |
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.
Start your search for the best car insurance policy in New Hampshire by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in New Hampshire and 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 priciest city in New Hampshire for car insurance, costing an average of $1,436 annually. On the other hand, Swanzey is the most affordable city, where drivers pay an average of $1,178 per year for car insurance.
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.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
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.
| Company Name | Insurance Rates |
|---|---|
| USAA | $855 |
| Auto-Owners | $888 |
| MMG Insurance | $979 |
| The Hanover | $1,116 |
| Nationwide | $1,130 |
| Geico | $1,201 |
| State Farm | $1,207 |
| Progressive | $1,528 |
| Farmers | $1,817 |
| Allstate | $2,068 |
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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
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 March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 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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