Average Car Insurance Cost in New Hampshire (2025)
Drivers in New Hampshire pay an average of $69 per month for car insurance.
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Car insurance in New Hampshire costs an average of $69 per month. New Hampshire has some of the cheapest insurance rates in the nation.[?] Even though costs have increased over the last couple of years, insurance premiums in the Granite State are still much lower than the national average of $138 per month.
New Hampshire’s low number of uninsured drivers and strict fraud regulations may contribute to the state’s low rates. But your costs can fluctuate depending on your driving record, ZIP code, age, and other factors. Here’s how to get the best insurance coverage in New Hampshire.
Quick Facts
The average cost of minimum-coverage car insurance in New Hampshire is $53 per month, and the average cost of full-coverage car insurance is $85.
New Hampshire has some of the lowest rates for car insurance — only a handful of states are cheaper.
GEICO, State Farm, and Safeco have some of the cheapest car insurance rates in the state.
How much is car insurance in New Hampshire?
Car insurance in New Hampshire costs an average of $826 per year, or $69 per month. If you need only liability coverage, you’ll pay less — $636 per year, or $53 per month. Liability coverage meets the state-minimum requirements, but it won’t pay to repair your vehicle if you cause an accident.
Full-coverage car insurance costs more — an average of $1,015 per year, or $85 per month, in New Hampshire — but it includes comprehensive and collision coverage, which protect your vehicle.
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Average New Hampshire car insurance rates by city
New Hampshire car insurance rates vary depending on where you live. Rates are usually cheaper if you live in a rural area since there’s often less vandalism and fewer accidents. If you live in a major city like Manchester, you’ll typically pay more.
Even small details, like where you park your car, can affect the price you pay. Insurance companies usually charge less if you park in a garage instead of on the street.[?]
The table below shows average car insurance costs for New Hampshire cities.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Rochester | $58 | $95 |
| Nashua | $67 | $93 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average New Hampshire car insurance rates by age and gender
Car insurance companies use demographic data to determine rates. For example, female drivers tend to have fewer and less severe accidents than male drivers, so their rates are often lower.
Young drivers, especially teen drivers, pay more for car insurance because they have less experience and more accidents than any other age group.[?] Car insurance costs decrease as you age, but you might experience a slight increase when you reach age 70, as age-related changes contribute to higher crash rates.[?]
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $129 | $261 |
| 18 | $112 | $227 |
| 20 | $76 | $154 |
| 25 | $63 | $128 |
| 30 | $51 | $102 |
| 40 | $50 | $102 |
| 50 | $45 | $89 |
| 60 | $48 | $97 |
| 70+ | $54 | $109 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $119 | $241 |
| 18 | $104 | $209 |
| 20 | $70 | $142 |
| 25 | $59 | $118 |
| 30 | $47 | $94 |
| 40 | $46 | $94 |
| 50 | $41 | $83 |
| 60 | $44 | $89 |
| 70+ | $50 | $101 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost to insure popular vehicles in New Hampshire
Car insurance companies consider your vehicle’s make and model when calculating rates. More expensive cars usually cost more to insure. Other factors insurers consider include whether your vehicle has higher repair costs or theft rates.
Pickup trucks and midsize SUVs are among the most popular vehicles in New Hampshire — practical picks for a rural state. Car insurance costs for these vehicles tend to be slightly higher than the state average.
The chart below shows the most popular vehicles in New Hampshire, according to Edmunds, and the average monthly cost to insure them.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $117 |
| Toyota RAV4 | $115 |
| Chevrolet Silverado | $125 |
| GMC Sierra | $126 |
| Honda CR-V | $105 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in New Hampshire
If you’re a driver with a clean record — no accidents, DUIs, or speeding tickets — you’ll typically pay less for car insurance. Once you have a violation, it’s riskier for insurers to offer you an insurance policy. To compensate for the risk, companies charge more.
The severity of the violation also affects how much more you pay. Drivers pay about 65% more in New Hampshire after an at-fault accident. Your rates will increase even more if you have a speeding ticket or DUI.
The following table shows average insurance rates for a driver with an accident, speeding ticket, or DUI on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $150 | 65% |
| With speeding ticket | $184 | 102% |
| With DUI | $168 | 85% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurance companies can use credit-based insurance scores when determining rates in New Hampshire.[?] These scores differ from credit scores, but similar factors, like debt ratio, payment history, and credit mix, affect your credit-based insurance score.
A higher score may indicate that you’re less likely to file a claim, and as a result, insurers may charge less for coverage. The reverse is also true. If you have a low score, you’ll pay about 50% more for the same coverage.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $49 $98 Good $55 $111 Fair $59 $119 Poor $73 $147 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in New Hampshire
You can take the following steps to lower your insurance costs in New Hampshire:[?]
New Hampshire average car insurance cost FAQs
Car insurance in New Hampshire is often cheaper than the national average. Get answers to common questions about insurance in the Granite State.
The average annual cost of car insurance in New Hampshire is $826. Liability-only coverage costs an average of $636 per year, and the average for full coverage is $1,015 per year.
Safeco is the cheapest car insurance company in New Hampshire. GEICO, State Farm, and USAA also have cheap auto insurance. Comparing quotes can help you find good coverage at a low rate.
Car insurance in New Hampshire costs an average of $69 per month. Your age, ZIP code, driving record, vehicle, and other factors affect how much you pay.
The best auto insurance companies in New Hampshire depend on what you’re looking for. Safeco is the best for cheap car insurance. State Farm is a solid pick for discounts, and GEICO is a good option for teen drivers.
Drivers in New Hampshire must meet financial responsibility requirements, but the state doesn’t require car insurance to do so.[?] If you do buy insurance, you must have the following minimum coverage:
$25,000 per person and $50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
$1,000 in medical payments coverage
$25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage
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