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Average cost of car insurance in New Hampshire in 2024

Car insurance in New Hampshire costs an annual average of $1,635 for full coverage and $414 for minimum coverage.

Updated Feb 21, 2024
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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 $2,542 per year for a full coverage policy, whereas New Hampshire drivers pay an average of $1,635 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 $2,682 and the average cost in Connecticut is $2,122. But states like Massachusetts and Vermont pay average annual premiums similar to New Hampshire’s — $1,683 and $1,347, 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 $1,625 per year for a full coverage policy and $414 for a minimum coverage policy.
  • Derry 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.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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.

Age 16*
Avg. monthly full coverage premium in New Hampshire
$322
Avg. annual full coverage premium in New Hampshire
$3,859
Age 18
Avg. monthly full coverage premium in New Hampshire
$482
Avg. annual full coverage premium in New Hampshire
$5,786
Age 20
Avg. monthly full coverage premium in New Hampshire
$352
Avg. annual full coverage premium in New Hampshire
$4,227
Age 25
Avg. monthly full coverage premium in New Hampshire
$196
Avg. annual full coverage premium in New Hampshire
$2,355
Age 30
Avg. monthly full coverage premium in New Hampshire
$149
Avg. annual full coverage premium in New Hampshire
$1,786
Age 40
Avg. monthly full coverage premium in New Hampshire
$139
Avg. annual full coverage premium in New Hampshire
$1,668
Age 50
Avg. monthly full coverage premium in New Hampshire
$125
Avg. annual full coverage premium in New Hampshire
$1,496
Age 60
Avg. monthly full coverage premium in New Hampshire
$121
Avg. annual full coverage premium in New Hampshire
$1,457
Age 70
Avg. monthly full coverage premium in New Hampshire
$137
Avg. annual full coverage premium in New Hampshire
$1,646
Age 40
Avg. monthly full coverage premium in New Hampshire
$139
Avg. annual full coverage premium in New Hampshire
$1,668
Age 50
Avg. monthly full coverage premium in New Hampshire
$125
Avg. annual full coverage premium in New Hampshire
$1,496
Age 60
Avg. monthly full coverage premium in New Hampshire
$121
Avg. annual full coverage premium in New Hampshire
$1,457
Age 70
Avg. monthly full coverage premium in New Hampshire
$137
Avg. annual full coverage premium in New Hampshire
$1,646
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Avg. monthly full coverage premium in New Hampshire
$278
Avg. annual full coverage premium in New Hampshire
$3,339
Age 18
Avg. monthly full coverage premium in New Hampshire
$394
Avg. annual full coverage premium in New Hampshire
$4,733
Age 20
Avg. monthly full coverage premium in New Hampshire
$278
Avg. annual full coverage premium in New Hampshire
$3,339
Age 25
Avg. monthly full coverage premium in New Hampshire
$167
Avg. annual full coverage premium in New Hampshire
$2,009
Age 30
Avg. monthly full coverage premium in New Hampshire
$142
Avg. annual full coverage premium in New Hampshire
$1,707
Age 40
Avg. monthly full coverage premium in New Hampshire
$135
Avg. annual full coverage premium in New Hampshire
$1,625
Age 50
Avg. monthly full coverage premium in New Hampshire
$123
Avg. annual full coverage premium in New Hampshire
$1,481
Age 60
Avg. monthly full coverage premium in New Hampshire
$119
Avg. annual full coverage premium in New Hampshire
$1,433
Age 70
Avg. monthly full coverage premium in New Hampshire
$135
Avg. annual full coverage premium in New Hampshire
$1,619
Age 40
Avg. monthly full coverage premium in New Hampshire
$135
Avg. annual full coverage premium in New Hampshire
$1,625
Age 50
Avg. monthly full coverage premium in New Hampshire
$123
Avg. annual full coverage premium in New Hampshire
$1,481
Age 60
Avg. monthly full coverage premium in New Hampshire
$119
Avg. annual full coverage premium in New Hampshire
$1,433
Age 70
Avg. monthly full coverage premium in New Hampshire
$135
Avg. annual full coverage premium in New Hampshire
$1,619
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: Gender is factored into car insurance rates in most states, including New Hampshire — although some states ban this practice. As mentioned, men tend to experience slightly higher average premiums due to their risk profile. No matter your gender, keeping a clean driving record, taking advantage of discounts and enrolling in a telematics program may help lower your rate.

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.

Caret Down
Age 16*
Avg. annual premium for drivers in NH
$3,599
Age 17
Avg. annual premium for drivers in NH
$3,383
Age 18
Avg. annual premium for drivers in NH
$3,094
Age 19
Avg. annual premium for drivers in NH
$2,693
Age 20
Avg. annual premium for drivers in NH
$2,585
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in NH
$5,259
Age 19
Avg. annual premium for drivers in NH
$4,032
Age 20
Avg. annual premium for drivers in NH
$3,783
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 85 percent more
Age 19 57 percent more
Age 20 54 percent more

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

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.

Clean driving record
Avg. annual premium* in New Hampshire
$1,646
Percentage increase from New Hampshire avg. annual premium*
0%
Avg. annual premium* in New Hampshire
$1,958
Percentage increase from New Hampshire avg. annual premium*
19%
Avg. annual premium* in New Hampshire
$2,343
Percentage increase from New Hampshire avg. annual premium*
42%
Avg. annual premium* in New Hampshire
$2,640
Percentage increase from New Hampshire avg. annual premium*
60%
*The table above compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates. *The rates reflected are for full coverage policies.

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.

Avg. annual premium* in New Hampshire
$3,380
Percentage difference from New Hampshire avg. annual premium*
105%
Average
Avg. annual premium* in New Hampshire
$1,825
Percentage difference from New Hampshire avg. annual premium*
11%
Avg. annual premium* in New Hampshire
$1,646
Percentage difference from New Hampshire avg. annual premium*
0%
Excellent
Avg. annual premium* in New Hampshire
$1,342
Percentage difference from New Hampshire avg. annual premium*
-18%
*Rates reflect full coverage policies.

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:

Avg. annual premium* in New Hampshire
$1,646
Avg. annual premium* in New Hampshire
$1,486
Avg. annual premium* in New Hampshire
$1,378
BMW 330i
Avg. annual premium* in New Hampshire
$2,132
Toyota Prius
Avg. annual premium* in New Hampshire
$1,707
*Rates reflect full coverage policies.

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.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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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.

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Methodology

Bankrate utilizes Quadrant Information Services to analyze 2024 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).

Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.

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Written by
Lara Vukelich
Insurance Contributor

Lara Vukelich is a freelance writer who has written for Bankrate, Huffington Post and Quiet Revolution to Expedia, Travelocity, and MyMove. She is based in San Diego, California.

Edited by Editor, Insurance