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 In New Hampshire, a full-coverage car insurance policy runs $1,689 a year, or $141 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onAugust 5, 2026 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. Full coverage car insurance in New Hampshire runs about $141 a month, or $1,689 a year, for the average driver. If you stick to your state’s minimum required liability coverage instead, that average drops to $47 a month, or $567 a year. Keep in mind these are statewide averages – your personal rate could be higher or lower.Your actual premium depends on several factors – where you live, your age, your driving history, your credit score, and the type of vehicle you drive. Insurers also factor in state-level risks, such as accident frequency, repair and medical costs, theft rates, and weather patterns. That’s part of why drivers in busy cities pay more than drivers in rural areas. Not everything is out of your hands. Keeping a clean driving record, building your credit score, bundling your policies, or shopping around for quotes can all help bring your rate down. Average annual cost $1,689 Average per month cost $141 Average cost for state minimum coverage $608 / Year Cheapest car insurance company GEICO$1,216 / Year Average cost for young drivers $3,124 / Year Average cost for Senior drivers $1,842 / Year 012345 1 of 6 How much does car insurance cost in New Hampshire?Full coverage in New Hampshire costs drivers $141 a month, or $1,689 a year, on average, while state minimum coverage averages $47 a month, or $567 a year.Check the table below for a breakdown of average rates in New Hampshire, based on different coverage levels. Since these numbers are statewide averages, your own premium may differ.Liability onlyFull coverageNon-owner state minimum liabilityState minimum liability-only$608$1,689$437$567Powered by:What does each coverage type include?State minimum coverage: Meets your state’s legal requirements, covering liability only. It’s the cheapest option, but leaves you with minimal protection in a serious accident.Liability only: Covers damage and injuries you cause to others, but not your own vehicle or injuries.Comprehensive coverage: Pays for damage to your car from non-collision events, like theft, fire, or weather.Collision coverage: Pays to repair or replace your car after an accident, regardless of who’s at fault.Full coverage: Combines liability with comprehensive and collision coverage, protecting your own vehicle too. It costs more, but offers the most complete protection.Non owners: Made for drivers without a vehicle of their own who borrow cars now and then and need liability coverage in place.See what you’d actually payAverages are a starting point, not your actual rate. Follow these four steps to get closer to your real number:Enter your vehicle’s yearSelect your stateChoose your vehicle’s makeChoose your vehicle’s modelYou’ll get instant estimates covering state minimum, liability only, and full coverage. New Hampshire car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra New Hampshire Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State New Hampshire Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$548/year Liability coverage$648/year Full Coverage$1,848/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Ways to bring your rate down in New Hampshire:Shop at least three insurers before deciding, since the first quote rarely turns out to be the best oneCombine your home and auto coverage with one insurer to often unlock savingsAsk about every discount you might be eligible forStay violation-free, since a clean record signals lower risk and keeps premiums in checkPay out of pocket for minor damage instead of filing a claim, which helps protect your rate from rising How much car insurance coverage do you need in New Hampshire?In New Hampshire, drivers aren’t legally required to carry auto insurance but must demonstrate financial responsibility in case of an accident. For those choosing to buy coverage, the state minimums include:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Alternatively, drivers can satisfy the financial responsibility requirement by depositing $100,000 in cash or securities with the state. While these minimums meet legal standards, you should consider getting higher liability limits and additional coverages, such as collision and comprehensive insurance, for better financial protection. Who has the cheapest car insurance in New Hampshire?Drivers in New Hampshire tend to find the best rates with GEICO, which averages $1,216 a year, or $101 a month, for full coverage with 100/300/100 limits and $500 collision and comprehensive deductibles.Auto-Owners follows closely with affordable premiums of its own, averaging $123 a month, or $1,470 a year.While both insurers rank among the cheapest in New Hampshire, your actual rate depends on your own profile – it’s worth comparing quotes before you decide. Affordable car insurance providers in New Hampshire Graph Table Company GroupAvg. Annual PremiumAvg. Monthly PremiumGEICO$1,216$101Auto-Owners$1,470$123Nationwide$1,480$123Progressive$1,548$129Safety Insurance$1,587$132MMG Insurance$1,606$134Allstate$1,920$160State Farm$2,307$192Farmers$2,656$221Powered by: Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now How much does car insurance cost by city in New Hampshire?Car insurance rates shift noticeably by city across New Hampshire. In Keene and Lebanon, drivers pay between $1,620 and $1,645 a year, while Nashua, Manchester, and Concord come in well above that.That’s because insurers price risk based on location. Cities with dense traffic, elevated accident rates, or more frequent theft and vandalism carry higher premiums, while quieter, less populated areas with fewer claims tend to stay cheaper.CityAverage annual costKeene$1,620Lebanon$1,645Laconia$1,664Rochester$1,680Claremont$1,706Dover$1,706Portsmouth$1,711Concord$1,719Manchester$1,789Nashua$1,842Powered by:How does age affect car insurance rates in New Hampshire?Few factors influence your premium as much as age. Premiums tend to run highest for teens, drop once drivers hit 25, remain fairly flat through adulthood, and shoot back up in the early 70s. That pattern reflects how insurers assess risk – younger drivers lack experience, while older drivers may face slower reaction times and changes in vision.Below is a closer look at what New Hampshire drivers might pay by age and gender.Car insurance rates for young drivers in New HampshireIf you’re a young driver, expect to pay more than average – insurers see less experience behind the wheel as more risk, and price accordingly.For example, a 20-year-old male driver in New Hampshire pays $4,566 a year, while a 20-year-old female driver pays $3,895. That changes by age 25, when average rates fall to $2,331 a year for men and $2,137 for women.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,566$3,89521$3,226$2,77522$3,186$2,80823$2,997$2,65824$2,729$2,332Powered by:Car insurance rates for adults in New HampshireIn New Hampshire, the average adult male driver pays $1,786 a year, or $149 a month, for full coverage, while adult female drivers average $1,738 a year, or $145 a month. Adults typically land lower rates than teens, who lack experience, and seniors, who may face slower reaction times, since insurers view them as the lower-risk group.That said, individual rates can vary quite a bit, so it pays to compare quotes and find the best deal for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,331$2,13730$1,889$1,86235$1,758$1,73840$1,693$1,68545$1,654$1,64650$1,674$1,64255$1,655$1,60260$1,645$1,591Powered by:Car insurance rates for senior drivers in New HampshireSenior drivers typically see their premiums rise with age, since insurers consider older drivers higher risk – slower reaction times and vision changes can both increase accident risk.Men pay about $1,692 a year on average at 65, compared to $1,650 for women. That climbs to $1,848 for men and $1,803 for women by 70, and further still by 75, to $2,061 for men and $2,000 for women.Rates rising doesn’t mean you’re out of options – a clean driving record and senior discounts can both help offset the increase.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,692$1,65070$1,848$1,80375$2,061$2,000Powered by:Which cars are the cheapest and most expensive to insure in New Hampshire?In New Hampshire, Jeep Wrangler is the cheapest car to insure at $1,432 a year, while BMW M5 Touring is the most expensive at $5,217 a year. The type of car you drive has a big impact on your premium – vehicles with strong safety ratings, affordable repair costs and fewer claims cost less to insure, while cars that are pricier to repair, more frequently stolen, or more often involved in accidents cost more.Cheapest cars to insure in New HampshireJeep Wrangler has the lowest average premium in New Hampshire at $1,432 a year, closely followed by Subaru Crosstrek at $1,445 a year. Here are the cheapest cars to insure and their average annual rates:Make ModelAvg. Annual PremiumJeep Wrangler$1,432Subaru Crosstrek$1,445Chevrolet TrailBlazer$1,472Honda CR-V$1,474Honda HR-V$1,483Subaru Outback$1,494Jeep Gladiator$1,496Hyundai Kona$1,497Hyundai Venue$1,497Buick Encore GX$1,501Powered by:Most expensive cars to insure in New HampshireBMW M5 Touring is the most expensive car to insure in New Hampshire, averaging $5,217 a year. Here are the most expensive vehicles to insure and their average annual premiums:Make ModelAvg. Annual PremiumBMW M5 Touring$5,217BMW M8 Gran Coupe$5,211Mercedes-Maybach S-Class$5,170BMW M5$5,133BMW M8$5,059Audi RS7$5,058Audi e-tron GT$4,970Audi RS6$4,957Mercedes-AMG EQS$4,952Porsche 911 Turbo$4,872Powered by:MethodologyTo determine average premiums, Insure.com commissioned Quadrant Information Services for 2026 car insurance data. Our team of data analysts and editors analyzed quotes from 195 insurance companies across 34,595 ZIP codes.Rates are based on a sample profile of 40-year-old male and female drivers driving a Honda Accord LX with a clean driving record and a good insurance score. We gathered quotes across three coverage levels:Full coverage: limits of $100,000 per person for bodily injury, $300,000 per accident, and $100,000 for property damage per accident.State minimum: the lowest coverage your state legally allows.Liability only: limits of $50,000 per person for bodily injury, $100,000 per accident, and $100,000 for property damage per accident.Additionally, we collected average rates for drivers across four age groups:Teen drivers (16-19)Young drivers (20-24)Adult drivers (25-26)Senior drivers (65-75)To compare costs across vehicles, we also analyzed rates for 1,549 make and model combinations, based on a 40-year-old male driver with the same coverage level (100/300/100 limits with a $500 collision/comprehensive deductible), a 12-mile commute, and 10,000 annual mileage.The national average comes to $2,578. These rates are for comparison purposes, and your own rates may vary.65.7MQuotes reviewed195No. of carriers analyzed34.5KZIP codes analyzed How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Carolina$2,638/YearNorth Dakota$2,439/YearNebraska$2,095/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTennessee$2,235/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How much does car insurance cost in New Hampshire?How much car insurance coverage do you need in New Hampshire?Who has the cheapest car insurance in New Hampshire?How much does car insurance cost by city in New Hampshire?How does age affect car insurance rates in New Hampshire?Which cars are the cheapest and most expensive to insure in New Hampshire?Methodology ZIP Code Please enter valid ZIP See rates 1-833-708-5453