Average Car Insurance Cost in New Hampshire (2025 Rates)

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25 Years of insurance experience

78.5M Quotes reviewed

170 Insurance providers evaluated

34.5K ZIP codes analyzed

A full coverage car insurance policy costs around $1,650 a year or $137 per month for New Hampshire drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $447 a year.

Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium.

Average annual cost
$1,650

Average per month cost
$137

Average cost for state minimum coverage
$486 / Year

Cheapest car insurance company
The Hanover($1,144 / Year)

Average cost for young drivers
$2,578 / Year

Average cost for Senior drivers
$1,692 / Year

Average car insurance cost in New Hampshire

If you’re a resident of New Hampshire, full coverage car insurance typically costs about $137 per month, adding up to $1,650 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $37, or $447 annually.

The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.

Cheapest car insurance companies in New Hampshire

The Hanover has the cheapest rates, at an average annual cost of $1,144 or $95 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

GEICO also stands out for its affordable premiums, with an average cost of $100 per month or $1,206 annually.

While these insurance companies have some of the lowest average rates in New Hampshire, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance.

Affordable car insurance providers in New Hampshire

Graph

Table

Company name	Average per month cost	Average annual cost
The Hanover	$95	$1,144
GEICO	$100	$1,206
Auto-Owners	$115	$1,377
Nationwide	$123	$1,475
MMG Insurance	$134	$1,606
Progressive	$155	$1,859
Allstate	$159	$1,904
State Farm	$190	$2,280
Farmers	$232	$2,784
USAA*	$86	$1,036

*USAA is only available to military community members and their families.

Updated with latest data

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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 Hampshire

Your car insurance premium is determined by the coverage limits you choose.

If you purchase only the state’s minimum liability limits, you’ll pay $37 per month or $447 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.

If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.

In New Hampshire, drivers typically pay $137 per month or $1,650 annually for full coverage car insurance.

Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.

Coverage limits	Average annual cost
State minimum liability-only	$447
Liability only	$486
Full coverage	$1,650
Non-owner state minimum liability	$379

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Average car insurance cost in New Hampshire by city

Car insurance rates can vary widely depending on where you live, even within New Hampshire.

Cities like Manchester, Nashua, or Rochester tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.

On the other hand, car insurance is generally more affordable in cities like Keene or Lebanon, with average annual premiums between $1,532 and $1,550.

This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.

City	Average annual cost
Keene	$1,532
Lebanon	$1,550
Claremont	$1,586
Dover	$1,588
Concord	$1,609
Portsmouth	$1,617
Laconia	$1,630
Rochester	$1,634
Nashua	$1,744
Manchester	$1,914

Average car insurance cost in New Hampshire by age

Insurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.

Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.

Let’s take a closer look at how much you might pay in New Hampshire for a full coverage policy based on your age and gender.

Average car insurance cost in New Hampshire for young drivers

If you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.

For instance, 20-year-old male drivers in New Hampshire pay an average of $3,617 per year for car insurance, while females of the same age pay $3,020.

But by the time you turn 25, insurance premiums drop to $2,096 a year on average for male drivers and $1,997 for female drivers.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
20	$3,617	$3,020
21	$2,772	$2,454
22	$2,601	$2,347
23	$2,383	$2,200
24	$2,251	$2,119

Average car insurance cost in New Hampshire for adult drivers

On average, an adult male driver in New Hampshire pays $1,702 a year for full coverage or $142 per month. Women pay $1,651 a year or $138 per month for the same coverage.

However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
25	$2,096	$1,997
30	$1,836	$1,756
35	$1,728	$1,687
40	$1,663	$1,637
45	$1,626	$1,595
50	$1,585	$1,551
55	$1,557	$1,500
60	$1,540	$1,481

Average car insurance cost in New Hampshire for senior drivers

If you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $1,560 per year, while women pay $1,508. But by age 70, average premiums rise to $1,711 for men and $1,657 annually for women. At 75, rates increase even further – $1,898 for male drivers and $1,816 for female drivers.

Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,560	$1,508
70	$1,711	$1,657
75	$1,898	$1,816

Minimum car insurance requirements in New Hampshire

In New Hampshire, drivers aren’t legally required to carry auto insurance, but they must be able to prove financial responsibility if they cause an accident. For those who choose to purchase coverage, the state minimum requirements are:

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Property damage liability: $25,000

Drivers can also meet the financial responsibility requirement by depositing $100,000 in cash or securities with the state. But while the minimum requirements are legal, it’s worth considering higher liability limits and adding coverages like collision and comprehensive for stronger financial protection.

Cheapest cars to insure in New Hampshire

Insurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.

Hyundai Venue has the lowest premium, at an average of $1,338 a year, closely followed by Honda HR-V, with an average annual car insurance cost of $1,370.

The table below shows the cheapest cars to insure and their average annual rates.

Make Model	Average annual premium
Hyundai Venue	$1,338
Honda HR-V	$1,370
Chevrolet TrailBlazer	$1,387
Buick Encore GX	$1,432
Honda CR-V	$1,443
Chevrolet Express	$1,451
Subaru Forester	$1,452
Hyundai Kona	$1,469
Subaru Outback	$1,479
Chrysler Voyager	$1,480

Most expensive cars to insure in New Hampshire

Maserati Quattroporte tops the list as the most expensive car to insure in New Hampshire, at an average annual cost of $4,961. Below is a list of the most expensive vehicles to insure in New Hampshire and their average annual premiums.

Make Model	Average annual premium
Maserati Quattroporte	$4,961
BMW M8 Gran Coupe	$4,779
Audi e-tron GT	$4,736
BMW M8	$4,602
Porsche 911 Turbo	$4,600
Maserati Ghibli	$4,581
Nissan GT-R	$4,574
Mercedes-AMG G63	$4,474
Porsche Taycan	$4,433
Mercedes-AMG EQS	$4,412

Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.

Methodology

Insure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. 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 different coverage limits, including

Full coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.
State minimum limits
Liability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.

We also collected average car insurance rates for drivers of different age groups:

Young drivers aged 20-24
Adult drivers aged 25-60
Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Colorado$3,222/Year

Connecticut$2,726/Year

Delaware$3,097/Year

Florida$3,852/Year

Georgia$2,739/Year

Hawaii$1,721/Year

Iowa$2,228/Year

Idaho$1,791/Year

Illinois$1,901/Year

Indiana$1,856/Year

Kansas$2,410/Year

Kentucky$2,976/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oklahoma$2,705/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Tennessee$2,214/Year

Texas$2,631/Year

Utah$2,250/Year

Virginia$1,837/Year

Vermont$1,504/Year

Washington$2,175/Year

Wisconsin$2,026/Year

West Virginia$2,557/Year

Wyoming$1,984/Year

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.