Average Renters Insurance Cost in New Hampshire

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In New Hampshire, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $160 annually or $13 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.

Key Takeaways

The average cost of renters insurance in New Hampshire is $160 per year or $13 per month.
Amica provides the least expensive renters insurance in New Hampshire at an average rate of $95 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in New Hampshire.

Average renters insurance cost in New Hampshire per month

In New Hampshire, the average cost of renters insurance is $13 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.

Average renters ins cost per month	Difference compared to national average
$13	$11 less

Average renters insurance cost in New Hampshire by company

Renters in New Hampshire can find the most budget-friendly insurance with Amica, which has an average annual cost of $95, according to our data. Other affordable options include Vermont Mutual and MMG Insurance.

It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.

Below are the average annual and monthly renters insurance rates from various insurers in New Hampshire.

Company	Average annual rate	Average monthly rate
Amica	$95	$8
Vermont Mutual	$100	$8
MMG Insurance	$150	$13
State Farm	$152	$13
Nationwide	$173	$14
Auto-Owners	$184	$15
Allstate	$190	$16
USAA*	$172	$14

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

Renters insurance calculator in New Hampshire

$148/year

Estimated renters insurance rates in New Hampshire

$12

Monthly renters insurance cost in New Hampshire

-45%

Compared to national average

Average cost of renters insurance in New Hampshire by coverage level

On average, New Hampshire renters pay $160 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in New Hampshire to $126 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.

Below are the average annual renters insurance costs in New Hampshire for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$121	$10
$20,000 with $500 Deductible and $300,000 Liability	$134	$11
$20,000 with $1,000 Deductible and $100,000 Liability	$114	$9
$20,000 with $1,000 Deductible and $300,000 Liability	$126	$10
$40,000 with $500 Deductible and $100,000 Liability	$158	$13
$40,000 with $500 Deductible and $300,000 Liability	$171	$14
$40,000 with $1,000 Deductible and $100,000 Liability	$148	$12
$40,000 with $1,000 Deductible and $300,000 Liability	$160	$13
$60,000 with $500 Deductible and $100,000 Liability	$195	$16
$60,000 with $500 Deductible and $300,000 Liability	$209	$17
$60,000 with $1,000 Deductible and $100,000 Liability	$181	$15
$60,000 with $1,000 Deductible and $300,000 Liability	$195	$16

Average cost of renters insurance in New Hampshire by city

Renters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in New Hampshire and find the best fit for your budget.

Renters insurance rates in New Hampshire by city

See rates in your city

Nashua

Average cost of renters insurance in New Hampshire by ZIP code

Renters insurance costs in New Hampshire vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.

Most affordable ZIP codes for renters insurance in New Hampshire

In New Hampshire, your ZIP code plays a major role in determining your premiums. Based on our data, 3601 is the most affordable ZIP code for renters insurance, with an average annual cost of $153.

Comparing quotes from multiple insurers in New Hampshire is a smart way to find the best renters insurance rates for your ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
3601	Acworth	$153	$13
3602	Alstead	$153	$13
3603	Charlestown	$153	$13
3743	Claremont	$153	$13
3745	Cornish	$153	$13
3746	Cornish Flat	$153	$13
3604	Drewsville	$153	$13
3751	Georges Mills	$153	$13
3752	Goshen	$153	$13
3753	Grantham	$153	$13

Least affordable ZIP codes for renters insurance in New Hampshire

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in New Hampshire is 3870, with an average cost of $181 a year or $15 monthly.

We analyzed quotes from multiple insurance providers across every ZIP code in New Hampshire. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
3870	Rye	$181	$15
3871	Rye Beach	$180	$15
3842	Hampton	$179	$15
3862	North Hampton	$179	$15
3874	Seabrook	$178	$15
3854	New Castle	$177	$15
3840	Greenland	$176	$15
3844	Hampton Falls	$175	$15
3801	Portsmouth	$175	$15
3885	Stratham	$175	$15

Final thoughts: Average renters insurance in New Hampshire

Renters insurance is a must-have for renters in New Hampshire. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.

To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.

Shivani Gite

Contributing Writer

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.