Home Renters insurance Renters insurance cost Average renters insurance cost in New Hampshire Average renters insurance cost in New Hampshire Discover the average cost of renters insurance in New Hampshire and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 3, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance costs in New Hampshire vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in New Hampshire pay $173 per year or $14 per month for a policy that includes $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 $173 per year or $14 per month.Amica Mutual provides the least expensive renters insurance in New Hampshire at an average rate of $93 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 monthIn New Hampshire, the average cost of renters insurance is $14 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 monthDifference compared to national average$14$8 lessPowered by:Average renters insurance cost in New Hampshire by companyAccording to our data, Amica Mutual provides the most affordable renters insurance in New Hampshire, with an average annual rate of $93, followed by Vermont Mutual and MMG Insurance.Getting quotes from multiple renters insurance companies in New Hampshire is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in New Hampshire.CompanyAverage annual rateAverage monthly rateAmica Mutual$93$8Vermont Mutual$103$9MMG Insurance$150$13State Farm$151$13Nationwide$160$13Allstate$193$16Plymouth Rock Assurance$215$18Auto-Owners$235$20Farmers$236$20USAA*$172$14*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in New Hampshire Select your state New Hampshire Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $160/year Estimated renters insurance rates in New Hampshire $13 Monthly renters insurance cost in New Hampshire -35% Compared to national average Get quotes Average cost of renters insurance in New Hampshire by coverage levelThe average annual cost of renters insurance in New Hampshire is $173, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $131 a year for renters insurance in New Hampshire. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows the average annual renters insurance costs in New Hampshire for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$128$11$20,000 with $500 Deductible and $300,000 Liability$141$12$20,000 with $1,000 Deductible and $100,000 Liability$118$10$20,000 with $1,000 Deductible and $300,000 Liability$131$11$40,000 with $500 Deductible and $100,000 Liability$175$15$40,000 with $500 Deductible and $300,000 Liability$188$16$40,000 with $1,000 Deductible and $100,000 Liability$160$13$40,000 with $1,000 Deductible and $300,000 Liability$173$14$60,000 with $500 Deductible and $100,000 Liability$219$18$60,000 with $500 Deductible and $300,000 Liability$235$20$60,000 with $1,000 Deductible and $100,000 Liability$200$17$60,000 with $1,000 Deductible and $300,000 Liability$215$18Powered by:Average cost of renters insurance in New Hampshire by cityRenters 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 citySee rates in your cityNashuaAverage cost of renters insurance in New Hampshire by ZIP codeThe cost of renters insurance in New Hampshire varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in New Hampshire.Most affordable ZIP codes for renters insurance in New HampshireIn New Hampshire, your ZIP code plays a major role in determining your premiums. Based on our data, 3609 is the most affordable ZIP code for renters insurance, with an average annual cost of $164.Comparing quotes from multiple insurers in New Hampshire is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate3609North Walpole$164$143604Drewsville$164$143280Washington$164$143464Stoddard$164$143456Marlow$164$143457Munsonville$164$143462Spofford$164$143608Walpole$164$143466West Chesterfield$164$143602Alstead$165$14Powered by:Least affordable ZIP codes for renters insurance in New Hampshire3870 is the most expensive ZIP code for renters insurance in New Hampshire, at an average cost of $197 annually or $16 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in New Hampshire. The table below shows the average annual renters insurance rates by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate3870Rye$197$163862North Hampton$196$163842Hampton$196$163874Seabrook Beach$194$163871Rye Beach$193$163844Hampton Falls$190$163854New Castle$189$163801Portsmouth$189$163840Greenland$188$163041East Derry$188$16Powered by:Final thoughts: Average renters insurance in New HampshireRenters 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 GiteContributing 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in New HampshireBest and cheapest homeowners insurance companies in New HampshireCost of Living in New Hampshire in 2025How much does condo insurance cost in New Hampshire in 2025? 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Most Americans don’t 1/1 Related Articles Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey Homeowners insurance rates by state By Jake Safane Mobile home insurance cost and coverage in 2026 By Chris Kissell Cost of living calculator By Nupur Gambhir On this page Average renters insurance cost in New Hampshire per monthAverage renters insurance cost in New Hampshire by companyAverage cost of renters insurance in New Hampshire by coverage levelAverage cost of renters insurance in New Hampshire by cityAverage cost of renters insurance in New Hampshire by ZIP codeFinal thoughts: Average renters insurance in New Hampshire ZIP Code Please enter valid ZIP See rates (844) 761-9316