Average homeowners insurance cost in New Hampshire

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The average cost of home insurance in New Hampshire is $1,286 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. Amica stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Both avoid asserting anything about financial ratings, claims service, or stability – they stay anchored to price, which is the one thing you know for sure.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Based on our data, homeowners insurance in New Hampshire costs an average of $1,286 per year.
Among all ZIP codes in New Hampshire, 3052 has the most affordable rates, averaging around $1,208 annually.
For the lowest insurer rates in New Hampshire, Amica comes in at an average annual premium of $809.

What is the average cost of homeowners insurance in New Hampshire?

Homeowners in New Hampshire pay an average of $1,286 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in New Hampshire? Cost by coverage level

Homeowners insurance in New Hampshire costs $1,286 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $1,580 per year for homeowners insurance in New Hampshire for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in New Hampshire for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$986	$82
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$998	$83
$300,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$1,286	$107
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$1,300	$108
$400,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$1,580	$132
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$1,596	$133
$600,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$2,143	$179
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$2,163	$180
$1,000,000 with $2,500 Deductible and $200,000 Liability and 2% Hurricane	$3,059	$255
$1,000,000 with $2,500 Deductible and $300,000 Liability and 2% Hurricane	$3,086	$257

Average home insurance cost in New Hampshire by insurer

Amica offers the most affordable homeowners insurance in New Hampshire, at an average annual premium of $809, followed by Vermont Mutual and Allstate.

You can save hundreds – if not thousands – of dollars each year by shopping around.

Below are the average annual and monthly insurance rates for New Hampshire homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Amica	$809	$67
Vermont Mutual	$821	$68
Allstate	$937	$78
State Farm	$1,222	$102
Auto-Owners	$1,299	$108
Nationwide	$1,735	$145
MMG Insurance	$1,865	$155
USAA*	$1,366	$114

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in New Hampshire.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in New Hampshire?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in New Hampshire

Most affordable ZIP codes for home insurance in New Hampshire

The lowest rates in New Hampshire are found in 3052, where homeowners pay an average of $1,208 per year.

Where you live in New Hampshire has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in New Hampshire.

ZIP code	Average annual rate	Average monthly rate
3052	$1,208	$101
3051	$1,209	$101
3581	$1,211	$101
3582	$1,214	$101
3082	$1,215	$101
3086	$1,216	$101
3570	$1,217	$101
3597	$1,218	$102
3076	$1,219	$102
3048	$1,220	$102

Most expensive ZIP codes for home insurance rates in New Hampshire

3842 has the highest rates in New Hampshire at an average of $1,477 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in New Hampshire for home insurance:

ZIP code	Average annual rate	Average monthly rate
3842	$1,477	$123
3871	$1,476	$123
3854	$1,462	$122
3862	$1,451	$121
3870	$1,440	$120
3844	$1,437	$120
3801	$1,377	$115
3217	$1,351	$113
3235	$1,347	$112
3840	$1,344	$112

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in New Hampshire by city

See rates in your city

Nashua

What’s the trend in home insurance rates for New Hampshire?

From the span of 2023 to 2025, New Hampshire saw home insurance rates increase by 9%, in line with how the state’s insurance market has been trending overall.

The table below breaks down the year-over-year rate changes going back to 2022:

2022 rates	2023 rates	2025 rates
$1,142	$1,176	$1,286

What are the best homeowners insurance companies in New Hampshire?

Our data points to Amica as the best overall pick in New Hampshire, thanks to its AM Best rating of A+ and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in New Hampshire compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
Amica	$809	A+	0.37	4.87
Allstate	$937	A+	1.26	4.81
Auto-Owners	$1,299	A+	0.39	4.81
Vermont Mutual	$821	A	0.06	4.79
State Farm	$1,222	A+	1.15	4.78
MMG Insurance	$1,865	A	0.84	4.62
Nationwide	$1,735	A	1.34	4.61
USAA*	$1,366	A++	0.46	4.9

*USAA is only available to military community members and their families.

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.