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The average premium for car insurance in New Hampshire is $1,307 per year or $109 per month. While the national average is $1,682. There is a difference of $375 less between the national average and the state average.

There are a range of factors that affect car insurance rates, including age group, gender, driving history, credit score, and where you live.

Read on to learn more about the average rate of full coverage, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in New Hampshire, and car insurance rates by age group.

Summary of average car insurance cost in New Hampshire
Average annual cost
Average per month cost
Average cost for state minimum coverage
$411 / Year
Cheapest car insurance company
($735/ Year)
Average cost for young drivers
$2,433 / Year
Average cost for senior drivers
$1,301 / Year

Key Takeaways

  • The average car insurance cost in New Hampshire is $1,307 per year, based on’s analysis.
  • In New Hampshire, the average premium for car insurance is $109 per month.
  • USAA has the cheapest car insurance rates in New Hampshire, at an average annual rate of $735 a year.

Average car insurance cost in New Hampshire per month

In New Hampshire, the average premium for car insurance is $109 per month.

The price for the same coverage may differ between companies. When looking for car insurance rates in New Hampshire, get quotes from many insurers.

As per the rate analysis conducted by, the company that offers the cheapest car insurance premiums in New Hampshire is USAA. The average annual cost is $735, while the average monthly cost is $61. The second-best option available isAuto-Owners, offering insurance at an average per month cost of $65.

The table below lists the other available car insurance companies that offer car insurance in New Hampshire, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
State Farm$70$837
Mapfre Insurance$91$1,091
Farmers Insurance$140$1,676
The Hanover$314$3,771

Read our guide to the best car insurance companies

Average cost of car insurance by coverage levels in New Hampshire

The amount of coverage you purchase impacts how much car insurance costs in New Hampshire. Your premium is determined by your liability limits and whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average annual cost in New Hampshire is $441.

When you add more coverage to your policy, your insurance premium increases. The insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in New Hampshire is $1,307 per year.

Non-owner state minimum liability coverage is best suited for someone who does not own the car but frequently rents a car. It is like liability-only coverage and covers property damage and bodily injury caused to another driver. In New Hampshire, the average annual cost for non-owner state minimum liability only is $300.

Those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage to be able to drive legally in the state. The state minimum liability only coverage costs $411 per year in New Hampshire.

Coverage limitsAverage annual cost
50/100/50 Liability Only$441
100/300/100 Liability with $500 Comp/Coll Deductible$1,307
Non-Owner State Minimum Liability Only$300
State Minimum Liability Only$411

Average car insurance cost in New Hampshire by city

Your car insurance premium is determined by various factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in New Hampshire:

CityAverage annual cost

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in New Hampshire by city

Average car insurance cost in New Hampshire by age

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in New Hampshire is $2,433, while for seniors is $1,301. Here, the rate for young drivers is $1,132 more than for senior drivers.

Young drivers are more likely to be in a vehicle accident than experienced drivers. As a result, they are deemed high-risk and costly to insure. However, premiums start to rise again at about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in New Hampshire for young drivers

The average car insurance cost for female young drivers in New Hampshire is $2,266 per year or $189 per monthand rate for a male young driver is $2,600 per year or $217 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

Average car insurance cost in New Hampshire for senior drivers

In New Hampshire, the cost of car insurance for senior female driver is $1,298 per year or $108 per month and cost of car insurance for male senior driver is $1,303 per year or $109 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

Read more about senior car insurance

Minimum car insurance requirements in New Hampshire

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the New Hampshire Department of Insurance, the following are the required coverages and minimum coverage limits in New Hampshire:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Personal property coverage per person: $25,000

Cheapest cars to insure in New Hampshire

The Hyundai Venue SE has the lowest average annual insurance premium at $825, followed closely by the Chrysler Voyager LX at $853. The difference in the cost of insuring these two models is $28 annually.

Make Model Average annual premium
Hyundai Venue SE $825
Subaru Forester 2.5I $853
Chrysler Voyager LX $853
Mazda CX-30 S $860
Toyota C-HR Limited $874
Subaru Crosstrek 2.0I $880
Mazda CX-5 S $892
Subaru Outback 2.5I $898
Subaru Crosstrek 2.5I Limited $899
Kia Seltos EX $900

Most expensive cars to insure in New Hampshire

The most expensive car to insure on the list is the Maserati Levante Trofeo, which has an average annual premium of $4,053. However, the difference between the cheapest and most expensive cars to insure is $3,228 annually.

Make Model Average annual premium
Maserati Levante Trofeo $4,053
Porsche Taycan Turbo S $3,576
Audi RS6 Avant Quattro $3,474
Porsche Panamera 4 E-Hybrid $3,314
Maserati Quattroporte $3,302
Audi R8 5.2L V10 Quattro Performance $3,253
Tesla Model S Plaid $3,220
BMW M8 Competition XDrive $3,213
Audi RS E-tron GT $3,036
BMW M850i XDrive $2,974

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

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 a full coverage policy with limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision/comprehensive deductible

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

How much is car insurance in other states

North Carolina$1,368/Year
North Dakota$1,419/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
New York$2,020/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
West Virginia$1,610/Year
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