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Average cost of car insurance in New Hampshire for 2023

Updated Mar 09, 2023
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New Hampshire is one of the only states that does not require car insurance, but purchasing coverage is a good idea anyway. The average cost of car insurance in New Hampshire is $1,275 per year for a full coverage policy and $389 for a minimum coverage policy, according to Bankrate’s study of quoted annual premiums.

How much does car insurance cost in New Hampshire?

Car insurance rates depend on the state you live in. For instance, the average annual car insurance rate in New Hampshire is cheaper than the average annual car insurance premium in Rhode Island. New Hampshire drivers pay less for car insurance than the average American driver. For comparison, the average cost of car insurance in the U.S. is $1,674 per year for a full coverage policy.

In addition, the average car insurance rates in New Hampshire are based on a number of personal factors. Your ZIP code, age, credit score, claim history, driving record, insurance company and coverage limit impact car insurance rates in New Hampshire. Because of that, every driver will pay a different rate for coverage.

New Hampshire car insurance rates by company

When you are shopping for car insurance in New Hampshire, it is important to look at the average rates from multiple providers, as every provider charges a different premium. In the table below, you can see the New Hampshire auto insurance rates from some of the best car insurance companies.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $526 $2,012
Amica $250 $1,063
Geico $359 $1,093
MetLife $468 $1,352
MMG $208 $725
Nationwide $389 $851
Progressive $876 $2,351
State Farm $287 $958
The Hanover $890 $3,315
USAA $186 $681

New Hampshire car insurance rates by city

New Hampshire car insurance rates can vary significantly based on your city. In the table below, we included the average rates for full coverage car insurance in the top 20 cities in New Hampshire by population, and how the average rate compares to the statewide average.

City Average annual premium for full coverage % increase from state average annual premium
Manchester $1,513 19%
Nashua $1,334 5%
Concord $1,197 -6%
Dover $1,245 -2%
Rochester $1,244 -2%
Keene $1,161 -9%
Derry $1,388 9%
Portsmouth $1,231 -3%
Laconia $1,259 -1%
Claremont $1,218 -4%
Somersworth $1,238 -3%
Londonderry $1,363 7%
Durham $1,250 -2%
Hampton $1,250 -2%
Berlin $1,277 0%
Lebanon $1,226 -4%
Hanover $1,227 -4%
Franklin $1,237 -3%
Milford $1,292 1%
Hudson $1,362 7%

New Hampshire car insurance rates by age

Another factor that will impact the cost of your car insurance premium in New Hampshire is your age. Young drivers typically pay higher rates than older drivers because they have less experience behind the wheel. The table below outlines the average annual premiums in New Hampshire for various ages.

Age Average annual premium in New Hampshire
Age 16* $1,735
Age 18 $3,935
Age 20 $2,797
Age 25 $1,512
Age 30 $1,284
Age 40 $1,275
Age 50 $1,509
Age 60 $1,046
Age 70 $1,196

*16-year-old calculated on parent’s policy disclosure; 18- and 20-year-old are renters

New Hampshire car insurance rates by driving record

When you apply for car insurance, the insurance company looks at your driving record to determine your level of risk. Drivers with a history of violations usually pay the highest rates. Here are the average annual premiums for drivers in New Hampshire with one speeding ticket, one accident and one DUI on their record.

Driving incident Average annual full coverage premium in New Hampshire % increase of average annual premium
Speeding ticket $1,348 6%
Accident $1,596 25%
DUI $1,859 46%

How to save on car insurance in New Hampshire

Drivers who are looking for the cheapest car insurance in New Hampshire should shop around and compare quotes from multiple providers. Additionally, there are some other ways that drivers can save money and get a lower rate. Here are some suggestions for getting cheap car insurance in New Hampshire:

  • 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, being claim-free and having certain safety equipment in your vehicle.
  • Improve your credit score: Drivers with poor credit pay the highest car insurance rates, and vice versa. Raising your credit score can help you get a lower premium.
  • Raise your deductible: Raising your deductible means paying a lower monthly rate. Just make sure you can afford to pay a higher deductible out of pocket in the event of a claim.
  • Pay your premium in full: Drivers who can afford to pay their annual insurance premium upfront and in full, rather than in monthly installments, often qualify for a lower rate.

Estimate your car insurance cost in New Hampshire

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Why we're asking

Frequently asked questions


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner.

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

Written by
Elizabeth Rivelli
Insurance Contributor

Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, and NextAdvisor, among others

Edited by Insurance Editor