Average Car Insurance Cost in New Hampshire (2025)
Drivers in New Hampshire pay an average of $86 per month for car insurance.
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Written byTaylor Milam-Samuel
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
Car insurance in New Hampshire costs an average of $86 per month. New Hampshire has some of the cheapest insurance rates in the nation.[1] Even though costs have increased over the last couple of years, insurance premiums in the Granite State are still much lower than the national average of $150 per month.
New Hampshire’s low number of uninsured drivers and strict fraud regulations may contribute to the state’s low rates. But your costs can fluctuate depending on your driving record, ZIP code, age, and other factors. Here’s how to get the best insurance coverage in New Hampshire.
Quick Facts
The average cost of minimum-coverage car insurance in New Hampshire is $59 per month, and the average cost of full-coverage car insurance is $113.
New Hampshire has some of the lowest rates for car insurance — only a handful of states are cheaper.
GEICO, State Farm, and Safeco have some of the cheapest car insurance rates in the state.
How much is car insurance in New Hampshire?
Car insurance in New Hampshire costs an average of $1,034 per year, or $86 per month. If you need only liability coverage, you’ll pay less — $709 per year, or $59 per month. Liability coverage meets the state-minimum requirements, but it won’t pay to repair your vehicle if you cause an accident.
Full-coverage car insurance costs more — an average of $1,358 per year, or $113 per month, in New Hampshire — but it includes comprehensive and collision coverage, which protect your vehicle.
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Average New Hampshire car insurance rates by city
New Hampshire car insurance rates vary depending on where you live. Rates are usually cheaper if you live in a rural area since there’s often less vandalism and fewer accidents. If you live in a major city like Manchester, you’ll typically pay more.
Even small details, like where you park your car, can affect the price you pay. Insurance companies usually charge less if you park in a garage instead of on the street.[2]
The table below shows average car insurance costs for New Hampshire cities.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Rochester | $56 | $95 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in New Hampshire (2025)
Average New Hampshire car insurance rates by age and gender
Car insurance companies use demographic data to determine rates. For example, female drivers tend to have fewer and less severe accidents than male drivers, so their rates are often lower.
Young drivers, especially teen drivers, pay more for car insurance because they have less experience and more accidents than any other age group.[3] Car insurance costs decrease as you age, but you might experience a slight increase when you reach age 70, as age-related changes contribute to higher crash rates.[4]
Age  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $129 | $261 |
| 18 | $112 | $227 |
| 20 | $76 | $154 |
| 25 | $63 | $128 |
| 30 | $51 | $102 |
| 40 | $50 | $102 |
| 50 | $45 | $89 |
| 60 | $48 | $97 |
| 70+ | $54 | $109 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $119 | $241 |
| 18 | $104 | $209 |
| 20 | $70 | $142 |
| 25 | $59 | $118 |
| 30 | $47 | $94 |
| 40 | $46 | $94 |
| 50 | $41 | $83 |
| 60 | $44 | $89 |
| 70+ | $50 | $101 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost to insure popular vehicles in New Hampshire
Car insurance companies consider your vehicle’s make and model when calculating rates. More expensive cars usually cost more to insure. Other factors insurers consider include whether your vehicle has higher repair costs or theft rates.
Pickup trucks and midsize SUVs are among the most popular vehicles in New Hampshire — practical picks for a rural state. Car insurance costs for these vehicles tend to be slightly higher than the state average.
The chart below shows the most popular vehicles in New Hampshire, according to Edmunds, and the average monthly cost to insure them.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $117 |
| Toyota RAV4 | $115 |
| Chevrolet Silverado | $125 |
| GMC Sierra | $126 |
| Honda CR-V | $105 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in New Hampshire
If you’re a driver with a clean record — no accidents, DUIs, or speeding tickets — you’ll typically pay less for car insurance. Once you have a violation, it’s riskier for insurers to offer you an insurance policy. To compensate for the risk, companies charge more.
The severity of the violation also affects how much more you pay. Drivers pay about 65% more in New Hampshire after an at-fault accident. Your rates will increase even more if you have a speeding ticket or DUI.
The following table shows average insurance rates for a driver with an accident, speeding ticket, or DUI on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $150 | 65% |
| With speeding ticket | $184 | 102% |
| With DUI | $168 | 85% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurance companies can use credit-based insurance scores when determining rates in New Hampshire.[5] These scores differ from credit scores, but similar factors, like debt ratio, payment history, and credit mix, affect your credit-based insurance score.
A higher score may indicate that you’re less likely to file a claim, and as a result, insurers may charge less for coverage. The reverse is also true. If you have a low score, you’ll pay about 50% more for the same coverage.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $49 $98 Good $55 $111 Fair $59 $119 Poor $73 $147 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in New Hampshire
You can take the following steps to lower your insurance costs in New Hampshire:[6]
Compare rates
Get quotes from multiple insurers to compare pricing. Even if you buy the same coverage, rates are different for every company. Compare quotes whenever you need new coverage. If you already have insurance, shop rates at least once a year or when your policy renews to ensure you get the best deal.
Increase your deductible
Consider increasing your deductible to lower your monthly premium. Your deductible is the amount you pay when you file a claim through your insurer. A higher deductible equates to a lower premium. The only potential downside is that you need to be able to afford your deductible if you need to file a claim.
Lower your coverage
If you have a car that isn’t worth much, it often makes sense to reduce your coverage. In some cases, it costs less than the deductible to repair a car.
Buy strategically
Your vehicle’s make and model affect how much you pay for insurance. When you’re shopping for a new car, compare quotes for different vehicles so you can see the difference before you buy.
Research discounts
Insurers offer good student discounts, discounts for safe driving, discounts for military members, and more. Asking about discounts and bundling your policies can help you get cheap coverage.
New Hampshire average car insurance cost FAQs
Car insurance in New Hampshire is often cheaper than the national average. Get answers to common questions about insurance in the Granite State.
The average annual cost of car insurance in New Hampshire is $1,034. Liability-only coverage costs an average of $709 per year, and the average for full coverage is $1,358 per year.
Safeco is the cheapest car insurance company in New Hampshire. GEICO, State Farm, and USAA also have cheap auto insurance. Comparing quotes can help you find good coverage at a low rate.
Car insurance in New Hampshire costs an average of $86 per month. Your age, ZIP code, driving record, vehicle, and other factors affect how much you pay.
The best auto insurance companies in New Hampshire depend on what you’re looking for. Safeco is the best for cheap car insurance. State Farm is a solid pick for discounts, and GEICO is a good option for teen drivers.
Drivers in New Hampshire must meet financial responsibility requirements, but the state doesn’t require car insurance to do so.[7] If you do buy insurance, you must have the following minimum coverage:
$25,000 per person and $50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
$1,000 in medical payments coverage
$25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- New Hampshire Insurance Department. "New Report Shows New Hampshire Among the Most Affordable States for Auto Insurance."
- Insurance information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- Insurance Information Institute. "Background on: Older drivers."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- New Hampshire Insurance Department. "2022 Automobile Insurance Consumer Frequently Asked Questions."
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Taylor Milam-Samuel
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Taylor has been a contributor at Insurify since February 2023.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.