Average cost of car insurance in New Hampshire in 2025

How much is car insurance in New Hampshire?

New Hampshire drivers pay less for car insurance than the average American driver. The average cost of car insurance in the U.S. is $2,697 per year for a full coverage policy, whereas New Hampshire drivers pay an average of $1,694 annually. New Hampshire's average rates are cheaper than some nearby states, as well. For instance, the average car insurance cost in Rhode Island is $2,991 and the average cost in Connecticut is $2,753. But states like Massachusetts and Vermont pay average annual premiums similar to New Hampshire’s — $2,096 and $1,610, respectively.

Bankrate uses data from Quadrant Information Services to analyze quoted car insurance premiums nationwide. Our team of experts researched overall rates and then broke them down by factors like age, gender and vehicle type below.

Key takeaways

• The average cost of car insurance in New Hampshire is $1,694 per year for a full coverage policy and $466 for a minimum coverage policy.
• Manchester has the highest average full coverage rates of New Hampshire’s most populous cities.
• 18-year-old drivers in New Hampshire face higher average rates than any other age demographic in the state.
• Drivers with poor credit pay more than double the state average for full coverage.

New Hampshire car insurance rates by city

How much car insurance costs in New Hampshire may vary significantly based on your city. Urban areas typically face higher premiums because congested streets translate into a greater likelihood of getting into an accident. In the table below, we include the average rates for full coverage car insurance in some of the largest cities in New Hampshire by population. You can also use the table to compare how each city’s average rate compares to the statewide average.

Average car insurance costs by age and gender in New Hampshire

Your age and gender may also be used to determine your insurance rate in New Hampshire. Young drivers typically pay higher rates than older drivers because they have less experience behind the wheel and are more likely to cause accidents and file claims. Likewise, males tend to face higher average rates as they are statistically more likely to engage in risky driving behaviors, per the Insurance Institute for Highway Safety.

The tables below outline average New Hampshire car insurance rates by age and gender for drivers on their own policies.

Cost considerations for young drivers in New Hampshire

Drivers under 18 cannot take out their own car insurance policies; they must be added to an adult’s. But even when a young driver can get their own insurance, it’s typically far more expensive than if they remain on their parents’ policy. The table below compares rates between young drivers on their parents’ policy and those on their own.

How does driving record impact the cost of car insurance in New Hampshire?

When you apply for car insurance, the insurer looks at your driving record to determine your level of risk. Drivers with a history of violations usually pay the highest rates. Keep in mind that not all providers will extend coverage to high-risk drivers —particularly those with a DUI conviction — so it’s important to shop around and speak to a licensed agent to figure out your options. After you incur certain infractions, usually after your license is suspended for a period of time, you may have to file an SR-22 form to reinstate your license. This form tells the state that your coverage meets the legally required minimums.

The table below highlights average annual premiums for drivers in New Hampshire with one speeding ticket, one accident or one DUI on their record.

Car insurance rates in New Hampshire by credit tier

Creditworthiness is factored into premiums by car insurance companies in most states, including New Hampshire. Credit standing has a statistical correlation to claims filing according to actuarial data, whereby drivers with lower credit scores are more likely to file a claim. Insurers often consider credit-based insurance scores in their rating algorithms, leading to higher rates for drivers in lower credit tiers. New Hampshire drivers with poor credit pay more than twice as much for full coverage, on average, as drivers with good credit.

New Hampshire car insurance rates by vehicle type

The type of vehicle you drive can have a big impact on your car insurance rates in New Hampshire. The make and model of your car influences things like crash ratings, cost of repairs, safety features and more. All of these variables can impact your rates. The table below outlines the difference in average rates between several common vehicles:

Estimate your car insurance cost in New Hampshire

There are many different factors involved when insurance companies calculate the cost of your policy. It can be difficult to gauge what you’ll end up paying. That’s why Bankrate created a trusty calculator, found below. After you input your personal information, the tool will give you a rough estimate of your insurance premium. While this isn’t an exact car insurance quote, it can help you figure out what to expect from a real quote and budget accordingly.

How to save on car insurance in New Hampshire

Drivers who are looking for the cheapest car insurance in New Hampshire can benefit from shopping around and comparing quotes from multiple providers. But there are other strategies to help save money on your policy, too. Here are some suggestions:

• Look for discounts: Most car insurance companies offer discounts that can help drivers get a lower premium. Typical discounts include savings for being a good student, remaining claims-free and having certain safety equipment in your vehicle.
• Improve your credit: Drivers with poor credit pay higher car insurance rates on average due to their heightened risk level. Raising your credit score can help you get a lower premium.
• Raise your deductible: Raising your deductible can reduce your premium, but it also means taking on more financial responsibility in the event of a covered incident (like an accident you cause, vehicle theft, vandalism or weather-related damage, among other situations). So, before increasing your deductible, make sure you’re comfortable paying more out of pocket should you need to file a claim.
• Pay your premium in full: Drivers who can afford to pay their annual insurance premium up front and in full, rather than in monthly installments, often qualify for a lower rate.

Frequently asked questions

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