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 full coverage car insurance cost in New Hampshire is $1,650 annually, or $137 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: February 23, 2026 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 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in New Hampshire, you can expect to pay an average of around $137 per month for full coverage car insurance, or $1,650 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $37 monthly or $447 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. 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 012345 1 of 6 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 HampshireThe 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 nameAverage per month costAverage annual costThe Hanover$95$1,144GEICO$100$1,206Auto-Owners$115$1,377Nationwide$123$1,475MMG Insurance$134$1,606Progressive$155$1,859Allstate$159$1,904State Farm$190$2,280Farmers$232$2,784USAA*$86$1,036*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: 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 MinimumNA* Liability coverage$674/year Full Coverage$1,931/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 - + Note: 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 2021 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. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in New HampshireYour 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 limitsAverage annual costState minimum liability-only$447Liability only$486Full coverage$1,650Non-owner state minimum liability$379Powered 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 Average car insurance cost in New Hampshire by cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Manchester, Nashua or Rochester, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Keene or Lebanon pay significantly low insurance rates, on average between $1,532 and $1,550 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.CityAverage annual costKeene$1,532Lebanon$1,550Claremont$1,586Dover$1,588Concord$1,609Portsmouth$1,617Laconia$1,630Rochester$1,634Nashua$1,744Manchester$1,914Powered by:Average car insurance cost in New Hampshire by ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in New Hampshire for full coverage, depending on your age and gender.Average car insurance cost in New Hampshire for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In New Hampshire, 20-year-old male drivers pay an average of $3,617 per year for car insurance, while their female counterparts pay $3,020 for the same coverage.However, by age 25, average car insurance costs drop to about $2,096 per year for male drivers and $1,997 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,617$3,02021$2,772$2,45422$2,601$2,34723$2,383$2,20024$2,251$2,119Powered by:Average car insurance cost in New Hampshire for adult driversAn adult driver aged 25-60 in New Hampshire pays $1,702 per year for full coverage, or $142 each month. Female drivers of the same age pay $1,651 annually or $138 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,096$1,99730$1,836$1,75635$1,728$1,68740$1,663$1,63745$1,626$1,59550$1,585$1,55155$1,557$1,50060$1,540$1,481Powered by:Average car insurance cost in New Hampshire for senior driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $1,560 per year, and women pay $1,508.By age 70, those averages increase to $1,711 for men and $1,657 for women. At 75, premiums rise again, reaching $1,898 for male drivers and $1,816 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,560$1,50870$1,711$1,65775$1,898$1,816Powered by:Minimum car insurance requirements in New HampshireIn New Hampshire, drivers don’t have to carry auto insurance by law, but they must be able to pay for damages if they cause an accident. If you choose to buy insurance, the state’s minimum requirements are:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Alternatively, drivers can meet the financial responsibility requirement by depositing $100,000 in cash or securities with the state. But while these minimums are legal, it’s smart to consider higher liability limits and add coverages like collision and comprehensive insurance for better protection.Cheapest cars to insure in New HampshireThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Hyundai Venue is one of the cheapest cars to insure in New Hampshire, with an average premium of $1,338 per year. Honda HR-V has an average annual cost of $1,370.The table below shows the cars with the lowest average insurance rates.Make ModelAverage annual premiumHyundai Venue$1,338Honda HR-V$1,370Chevrolet TrailBlazer$1,387Buick Encore GX$1,432Honda CR-V$1,443Chevrolet Express$1,451Subaru Forester$1,452Hyundai Kona$1,469Subaru Outback$1,479Chrysler Voyager$1,480Powered by:Most expensive cars to insure in New HampshireMaserati Quattroporte stands out as the most expensive car to insure in New Hampshire, with an average annual cost of $4,961.The table below shows the most expensive vehicles to insure in New Hampshire along with their average annual insurance costs.Make ModelAverage annual premiumMaserati Quattroporte$4,961BMW M8 Gran Coupe$4,779Audi e-tron GT$4,736BMW M8$4,602Porsche 911 Turbo$4,600Maserati Ghibli$4,581Nissan GT-R$4,574Mercedes-AMG G63$4,474Porsche Taycan$4,433Mercedes-AMG EQS$4,412Powered by:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull 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 limitsLiability-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:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing 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. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in New HampshireCheapest 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 ageMinimum 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 (844) 645-3330