Car insurance calculator for teens in New Hampshire

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Car insurance for teens in New Hampshire costs more than it does for older drivers, but the price depends on factors like age, gender, coverage limits, and the insurer you choose. Knowing the state averages can help you budget, compare quotes, and figure out what’s realistic for your family.

Use our calculator to estimate what you might pay to insure your teen in New Hampshire. Getting a personalized estimate can help you budget with confidence, compare against state averages, and decide which coverage and insurer are the best fit.

Car insurance calculator for state teens

State

New Hampshire

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Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

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Average annual rates for state teen drivers

$5,519 Average rate

$9,376 Highest
rate

$2,172 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Farmers	$9,376
Progressive	$8,817
USAA	$6,518

Least expensive companies for auto insurance in ()

Company	Average annual rate
Auto-Owners	$2,172
The Hanover	$2,268
MMG Insurance	$3,363

Average car insurance costs for teens in New Hampshire

Car insurance costs an average of $4,141 per year for teen drivers in New Hampshire with coverage limits of 100/300/100-that’s $100,000 for one person’s injuries, $300,000 for all injuries in an accident, and $100,000 for property damage-plus $500 deductibles for collision and comprehensive coverage.

Teen drivers face higher car insurance rates than young adults or older drivers because they lack experience on the road. Insurers see them as higher risk, which leads to steeper premiums.

Insurance rates in New Hampshire also vary based on the coverage limits you choose, the type of car you drive, and the ZIP code you live in. New Hampshire families can lower costs by taking advantage of good student discounts, enrolling teens in a driving program and adding teens to an existing family policy rather than buying a separate one.

Teen car insurance costs in New Hampshire, by age

Premiums drop as teens gain experience. For example, a 16-year-old in New Hampshire with full coverage pays an average of $5,233 per year. By 19, the average rate is $2,922.

Though still higher than adult premiums, the steady decline shows how added years of driving lead to more affordable coverage.

See the table below for average teen car insurance costs in New Hampshire by age.

Average teen car insurance costs in New Hampshire, by gender

In most states, car insurance rates differ by gender, though California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania prohibit the practice. In New Hampshire, a 16-year-old male pays about $5,519 per year, compared to $4,948 for a female of the same age – a difference of $571.

According to the most recent data from the Insurance Institute for Highway Safety, a total of 3,048 teenagers ages 13-19 lost their lives in motor vehicle crashes in 2023, with two of every three teenagers who died in crashes in 2023 being males.

These crash trends help explain why teen boys usually face higher insurance costs than girls. Because young men are more likely to be in serious accidents, insurers factor that added risk into their rates.

The table below shows car insurance rates for teens by gender in New Hampshire.

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Cheapest car insurance companies for teen drivers in New Hampshire

Car insurance for teen drivers is expensive, but some insurers offer more affordable rates than others, which is why comparing quotes from multiple insurers is the best way to find the cheapest coverage for your teen.

In New Hampshire, Auto-Owners offers the lowest rates for drivers ages 16-19, averaging $1,840 per year for full coverage with 100/300/100 limits and $500 deductibles for collision and comprehensive.

The second-cheapest option for teen drivers in New Hampshire is The Hanover, with an average annual premium of $1,860.

The table below highlights the cheapest car insurance companies for teens in New Hampshire.

Smart ways to save on car insurance for your teen

There’s no avoiding the fact that insuring a teen driver costs more, but you can take steps to manage the expense while keeping them safe on the road:

• Check state averages. Knowing what families typically pay in your state gives you a ballpark figure to budget and compare against quotes.
• Choose the right car. A safe, reliable sedan is far cheaper to insure than a luxury or sports car.
• Consider full coverage. Liability is cheaper, but full coverage offers better protection against accidents, injuries, and costly repairs.
• Ask about discounts. Many insurers reward good grades, defensive driving courses, or low mileage with lower rates.
• Talk with your teen. Driving isn’t just freedom – it’s responsibility. Open conversations about risks and safety can encourage habits that save lives.
• Review your rates each year. Premiums usually drop as your teen gains experience and keeps a clean record, so it’s worth checking annually.

Helping your teen start off safely on the road

Adding a teen to your policy will raise your rates at first, but those costs don’t stay high forever. With each year of safe driving, premiums generally go down.

You can lower expenses by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules – it’s about protecting your finances and giving your young driver a safe, confident start on the road.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

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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