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If you are looking for auto insurance in New Hampshire, knowing how much it will cost is a promising idea. 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.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in New Hampshire, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

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, which is true of every auto insurance company. When looking for car insurance rates in New Hampshire, it is a promising idea to get quotes from many firms.

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

The table below lists the other available car insurance companies which 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 best car insurance companies of 2022

Average cost of car insurance by coverage levels in New Hampshire

The amount of coverage you purchase has an impact on how much car insurance costs in New Hampshire. Your premium is determined by your liability limits, as well as 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 cost per year in New Hampshire is $441.

When you add more coverage to your policy, your insurance premium increases. As 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.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for 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.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive 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 a variety of 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 of the driver

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 the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again 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 month and 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

Cheapest cars to insure in New Hampshire

MakeModelAverage annual premium
HyundaiVenue SE$825
SubaruForester 2.5I$853
ChryslerVoyager LX$853
MazdaCX-30 S$860
ToyotaC-HR Limited$874
SubaruCrosstrek 2.0I$880
MazdaCX-5 S$892
SubaruOutback 2.5I$898
SubaruCrosstrek 2.5I Limited$899
KiaSeltos EX$900

Most expensive cars to insure in New Hampshire

MakeModelAverage annual premium
MaseratiLevante Trofeo$4,053
PorscheTaycan Turbo S$3,576
AudiRS6 Avant Quattro$3,474
PorschePanamera 4 E-Hybrid$3,314
AudiR8 5.2L V10 Quattro Performance$3,253
TeslaModel S Plaid$3,220
BMWM8 Competition XDrive$3,213
AudiRS E-tron GT$3,036
BMWM850i XDrive$2,974

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible. gathered data with the help of Quadrant Information Services from major insurance companies across New Hampshire. The rates are based on the profile of a 40-year-old male who drives a 2021 Honda Accord LX with a clean record and full coverage policy.

The coverage limit for a full coverage policy is 100/300/100 liability with a $500 comprehensive and collision deductible. The numbers 100/300/100 represent $100,000 coverage for bodily injury per person, $300,000 in bodily injury per accident and $100,000 for property damage.

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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