Average Cost of Car Insurance Rates in New Hampshire (2022)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in New Hampshire.

Enter your zipcode to get started

Facebook following



Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


Full starFull starFull starFull starFull star
3690 Reviews

Insurify is rated 4.8 out of 5 based on 3690 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!

Last Updated: January 2022

How Much Does Car Insurance Cost In New Hampshire?

On average, car insurance rates for drivers in New Hampshire are $134 per month, and $1606 per year. The average rates make New Hampshire the 49th most expensive state in the country for car insurance rates and 67% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $13450%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best New Hampshire Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in New Hampshire and has selected the following providers and quotes as the best rates for drivers in New Hampshire.

Cheapest Companies

New Hampshire Car Insurance Rates by City

For drivers in New Hampshire, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in New Hampshire.

What Is the Average Cost of Car Insurance in New Hampshire by Age?

If you’re a teenager in New Hampshire who just got their license, you’ll likely have to pay almost double the state average for car insurance. Young adults in their 20s see their average rates go down dramatically to $158, just $24 above the state average.

If you’re in your 30s or 40s, chances are you’ll pay right around the state average. From there, your insurance rates will continue to go down. Average prices hit their lowest for drivers in their 70s, who pay only $89 per month for car insurance.


What Is the Average Cost of Car Insurance in New Hampshire by Gender?

In New Hampshire, the difference that gender makes on your car insurance rate is minor. Men pay an average of $137 per month, while women pay a reasonable $132 per month.


Does Marital Status Influence the Average Cost of Car Insurance in New Hampshire?

New Hampshire drivers are already lucky enough to pay affordable car insurance rates. But for those who’ve gotten hitched, car insurance rates are even lower. On average, married drivers in New Hampshire pay $123 per month, which is $11 below the state average. Meanwhile, single drivers pay $139 per month, just a few dollars above the state average.

Marital Status

What Are the Minimum Car Insurance Requirements in New Hampshire?

In New Hampshire, the state motto is “Live free or die.” So naturally, the state doesn’t make you buy car insurance. But to minimize the legal repercussions of an unexpected accident, New Hampshire recommends drivers purchase insurance just in case. Here are New Hampshire's recommended minimum liability car insurance limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $25,000 uninsured/underinsured motorist property damage coverage
  • $1,000 medical payments

Those bodily injury and property damage limits are fairly standard compared to other states. While many states don’t require uninsured/underinsured motorist coverage, adding this to your policy can protect you if you’re involved in an accident with a driver who doesn’t have insurance or has low policy limits that the accident’s costs exceed.


How Does Credit History Affect New Hampshire Car Insurance Rates?

New Hampshire allows car insurance companies to consider your credit score when determining your car insurance rates. So as you can imagine, drivers with an excellent credit history pay much less on car insurance ($109 per month) than those with a poor credit history ($165 per month). Those drivers with a good credit history pay the same as those with an excellent credit history as well.

Credit History

What Is the Average Cost of Car Insurance in New Hampshire for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in New Hampshire will pay $32 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $23. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving History
No Violation$126
At-Fault Accident$149

Tips for Researching New Hampshire Car Insurance Rates

When it comes to car insurance rates, you never quite know what you’re going to get. Prices fluctuate wildly between companies, based on a whole host of factors. With many trusted carriers offering their services in New Hampshire, drivers in the Granite State will want to make sure they’re comparing rates so that they can find the right policy for their budget.

Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

FAQs - New Hampshire Car Insurance

Why is car insurance so expensive in New Hampshire?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in New Hampshire?

Auto insurance costs will vary between locations and insurance carriers, depending on the county New Hampshire. Insurify analyzed the latest data for the five most populous cities in New Hampshire to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in New Hampshire?

The way to find the carrier with the best auto insurance ratings in New Hampshire and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in New Hampshire?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.