Average Car Insurance Cost in New Hampshire (2024)

Drivers in New Hampshire pay $94 per month, or $1,131 per year, for car insurance, which is less than the national average of $153 per month, or $1,840 per year.

Granite State drivers may see cheaper car insurance premiums because it’s the only state that doesn’t make insurance mandatory.^[1] And less demand for car insurance means more affordable insurance policies. Plus, with New Hampshire’s small population and low crime rates, insurers can keep their prices low.

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What’s the average cost of car insurance in New Hampshire?

New Hampshire car insurance costs an average of $61 per month, or $738 per year, for liability coverage and $127 per month, or $1,523 per year, for full coverage.

However, your personal rates may vary by ZIP code, driving history, age, and more. Depending on your unique driver profile, different insurance companies may offer you different rates, which is why you should always compare quotes.

Here are the average monthly quotes from various auto insurance companies in New Hampshire.

Average New Hampshire car insurance rates by age

Teens and drivers younger than 25 usually face the highest rates due to inexperience and a higher risk of car accidents. Meanwhile, drivers 26 and older may see their prices drop as they gain more experience. On the other hand, adults 70 and older experience slight rate increases due to age-related conditions that may impair their driving abilities.^[2]

The chart below shows how average New Hampshire car insurance quotes vary based on driver age.

How gender affects car insurance rates in New Hampshire

Women generally have cheaper car insurance rates than men, as more men than women die in car accidents every year. Male drivers are more likely to engage in risky behaviors on the road, increasing their risk of a car accident and increasing their rates.^[3]

Here’s how age and gender affect average New Hampshire car insurance quotes.

How your driving record affects car insurance rates in New Hampshire

Drivers with clean records are cost-effective for insurance companies because they’re less likely to file a claim. So good drivers tend to pay the lowest average rates. On the other hand, insurers consider drivers with traffic violations as more likely to file claims. So auto insurers may increase their premiums to offset this risk.

As illustrated in the table below, drivers in New Hampshire with a DUI pay 56% more on average for liability-only car insurance than drivers with a clean record.

Average New Hampshire car insurance rates by marital status

If you’re married in New Hampshire, you can expect to pay slightly less than single drivers for auto insurance coverage. Married couples tend to have more than one car, so tapping into multi-car discounts can lower their overall cost.

Also, if your spouse has a clean driving record and you add them to your insurance policy, it could lower your rates. In contrast, if your spouse is a high-risk driver, adding them to your policy may increase your rates.

Here’s how average auto insurance quotes in New Hampshire vary among married and single drivers.

Average New Hampshire car insurance rates by credit tier

Car insurance companies in New Hampshire can use your credit history when determining your premiums.^[1]

Insurance companies may see you as less likely to file a claim if you have good credit, which translates to lower car insurance rates. In contrast, New Hampshire drivers with poor credit usually pay more expensive premiums.

Based on the table below, drivers with poor credit scores pay about 77% more than those with excellent credit scores.

New Hampshire car insurance FAQs