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If you’re a driver in New Hampshire, you probably know the importance of having car insurance. But finding the right coverage at a price that fits your budget isn’t always easy. That’s where our New Hampshire car insurance calculator comes in.

Our auto insurance calculator estimates your average annual and monthly costs in New Hampshire based on your vehicle’s make and model, helping you make smarter coverage decisions.

How to use our car insurance calculator to estimate your rates in New Hampshire

Get a fast, personalized car insurance estimate with our calculator. Enter a few details, and you’ll see your potential rates in minutes – making it easy to compare options and choose coverage with confidence.

  • Step 1: Choose the model year of your car
  • Step 2: Choose the make and model of your car
  • Step 3: Choose your state
  • Step 4: Click on the “Get My Rates” button to get a car insurance estimat
  • Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices
Data last refreshed in 2025
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How much does your vehicle model affect car insurance rates in New Hampshire?

Car insurance rates in New Hampshire vary widely based on your vehicle’s make and model. Insurance companies consider multiple factors, including the make and model of your car, to determine premiums.

A full coverage car insurance policy in New Hampshire for a Honda Accord LX costs $1,769 annually, whereas a Honda CR-V costs $1,443 to insure in New Hampshire – a difference of $326.

Does your car’s model year affect insurance rates in New Hampshire?

In New Hampshire – as in many other states – a car’s model year can impact your insurance rates. For instance, the annual premium for a 2023 Honda Accord LX is around $2,699, while insuring the 2024 model costs $1,752.

Our agents make it hassle-free to get the right quote.

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How your car’s trim affects insurance rates in New Hampshire

Your car’s trim is one of the factors insurers use to calculate premiums in New Hampshire. Insurance companies take into account the car’s value, safety features, repair expenses and theft rates. As a result, trims with luxury features or powerful engines tend to be more costly to insure.

Full coverage car insurance for a 2023 Honda Accord LX in New Hampshire is about $2,699 per year. On the other hand, the 2023 Honda Accord EX-L trim costs $2,261, which is $438 annually.

Higher-end trims often come with expensive features like luxury interiors or advanced infotainment systems, which make the vehicle more costly to replace. Performance trims with bigger engines may also carry higher premiums due to the added risk associated with faster driving.

What drivers pay for car insurance in New Hampshire

In New Hampshire, the average cost of full coverage car insurance is $1,650 per year, or $137 per month. Your rate may be higher or lower depending on the coverage you choose.

Below, you’ll find estimates for different coverage levels in New Hampshire, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.

Coverage levelAverage annual rateAverage monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,650$137
Liability Only – 50/100/50 BI/PD$486$41
State Minimum BI/PD$447$37
Non-Owners$379$32
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How car insurance prices compare across New Hampshire cities

Car insurance premiums in New Hampshire can vary widely from one city to another. Insurers consider congestion, accident statistics, weather risks, and crime rates when setting premiums. For example, full coverage costs $1,914 per year in Manchester, compared to $1,511 in Bartlett.

Top 20 cities with cheapest car insurance rates in New Hampshire

CityAvg. Annual PremiumAvg. Monthly Premium
Bartlett$1,511$126
Glen$1,522$127
Conway$1,525$127
Rumney$1,527$127
Swanzey$1,530$127
Silver Lake$1,531$128
Keene$1,532$128
Madison$1,535$128
Eaton Center$1,540$128
Grafton$1,540$128
Twin Mountain$1,540$128
Cornish Flat$1,541$128
Moultonborough$1,542$128
New London$1,542$129
Georges Mills$1,545$129
Bristol$1,546$129
Chocorua$1,546$129
Freedom$1,548$129
Lebanon$1,550$129
Hill$1,554$129
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Top 20 cities with most expensive car insurance in rates New Hampshire

CityAvg. Annual PremiumAvg. Monthly Premium
Manchester$1,914$159
East Hampstead$1,835$153
Kingston$1,832$153
Atkinson$1,831$153
Newton$1,817$151
Plaistow$1,816$151
Salem$1,812$151
Hampstead$1,808$151
Pelham$1,807$151
Derry$1,805$150
Windham$1,804$150
Newton Junction$1,781$148
Hudson$1,770$147
Bedford$1,762$147
Goffstown$1,761$147
Londonderry$1,760$147
Sandown$1,760$147
Auburn$1,752$146
Danville$1,750$146
Northwood$1,745$145
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Want to know what you’ll pay? Use our New Hampshire car insurance calculator

Our car insurance calculator for New Hampshire factors in your location, vehicle make, and model year to provide an estimate tailored to your situation. Actual quotes may vary, so shop around and compare multiple quotes to get the best deal.

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
Washington, D.C.$3,394/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
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Shivani Gite
Contributing Writer

 
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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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