Minimum car insurance requirements in New Hampshire
New Hampshire requires drivers to carry a minimum amount of insurance coverage to legally operate a vehicle, with liability limits of 25/50/25. Liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. helps pay for injuries and property damage you cause to others after an accident.
The table below outlines minimum car insurance requirements in New Hampshire.
| State Minimum Requirements | 25/50/25 |
| State minimum car insurance | $447 |
| Liability-only car insurance | $486 |
| Full coverage car insurance | $1,650 |
Average cost of car insurance in New Hampshire
Car insurance in New Hampshire costs around $1,650 annually for full coverage with 100/300/100 limits and $500 deductibles. Minimum coverage costs about $447 per year.
Rates change based on company, location, vehicle, driving history, and coverage choices.
| Average annual premium | $1,650 |
| Average monthly premium | $137 |
Cheapest car insurance companies in New Hampshire
The Hanover has the cheapest average full coverage car insurance in New Hampshire.
Different companies calculate risk differently, so prices can vary significantly for the same driver. Comparing multiple companies can help drivers find lower prices and better coverage.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| The Hanover | $197 | $235 | $1,144 |
| GEICO | $340 | $371 | $1,206 |
| Auto-Owners | $294 | $335 | $1,377 |
| Nationwide | $737 | $712 | $1,475 |
| MMG Insurance | $262 | $275 | $1,606 |
| Progressive | $552 | $589 | $1,859 |
| Allstate | $723 | $782 | $1,904 |
| State Farm | $643 | $726 | $2,280 |
| Farmers | $647 | $640 | $2,784 |
| USAA | $267 | $296 | $1,036 |
New Hampshire car insurance rates by age group
Age plays a role in car insurance rates. In New Hampshire, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in New Hampshire based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $5,545 |
| Young Adults (20-24) | $2,578 |
| Adults (25-60) | $1,676 |
| Seniors (65-75) | $1,692 |
New Hampshire car insurance costs by coverage level
Generally, New Hampshire minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare New Hampshire car insurance costs based on coverage level below.
| State minimum car insurance | $447 |
| Liability-only car insurance | $486 |
| Full coverage car insurance | $1,650 |
Cheapest car insurance companies in New Hampshire by driver profile
If you have a violation or accident on your record, you can expect to pay more for car insurance in New Hampshire. The highest rates in New Hampshire are for drivers with Bad Credit. If you have a DUI, several accidents, or a history of reckless driving, your insurance rates will be much higher.
Comparing quotes becomes especially important for high-risk drivers because insurers apply rate increases differently.
| Profile | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-Fault Accident | $1,650 | $2,553 | $904 | 55% |
| Bad Credit | $1,650 | $3,388 | $1,738 | 105% |
| Careless driving | $1,650 | $2,269 | $619 | 38% |
| Claims | $1,650 | $1,860 | $210 | 13% |
| DUI | $1,650 | $2,608 | $959 | 58% |
| Reckless driving | $1,650 | $2,611 | $961 | 58% |
| Speeding | $1,650 | $2,260 | $610 | 37% |
| Texting ticket | $1,650 | $2,175 | $525 | 32% |
How much does car insurance cost in New Hampshire per month?
The average monthly cost of car insurance in New Hampshire depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage Level | Average monthly premium | Average annual cost |
|---|---|---|
| State Minimum BI/PD | $37 | $447 |
| Liability Only - 50/100/50 BI/PD | $41 | $486 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $137 | $1,650 |
Car insurance discounts in New Hampshire
The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in New Hampshire, savings can be very different from one company to another.
Common car insurance discounts include:
- Multi-policy discount
- Safe driver discount
- Good student discount
- Defensive driving discount
- Multi-vehicle discount
- Anti-theft device discount
- Telematics discount
- Paperless billing discount
Ask about all available discounts before purchasing coverage.
| Discount type | Premium before discount | Premium after discount | $ Saving | % Saving |
|---|---|---|---|---|
| Air Bags | $1,650 | $1,630 | $20 | 1% |
| Anti-Theft Device | $1,650 | $1,622 | $28 | 2% |
| Comp and Coll Deductibles | $1,650 | $1,284 | $366 | 22% |
| Daily Commute | $1,650 | $1,496 | $154 | 9% |
| Days Advanced Purchase | $1,650 | $1,480 | $170 | 9% |
| Days Per Week Driven | $1,650 | $1,530 | $119 | 7% |
| Education | $1,650 | $1,549 | $100 | 6% |
| Electronic Funds Transfer | $1,650 | $1,558 | $92 | 5% |
| Electronic Signature | $1,650 | $1,484 | $165 | 10% |
| Homeowner | $1,650 | $1,558 | $92 | 6% |
| Lower Annual Mileage | $1,650 | $1,577 | $72 | 4% |
| Loyalty - Years Renewal With Company | $1,650 | $1,541 | $108 | 7% |
| Marital Status | $1,650 | $1,483 | $166 | 11% |
| Multi Policy | $1,650 | $1,480 | $170 | 11% |
| Paperless/Electornic Documents | $1,650 | $1,570 | $80 | 4% |
| Payment Type | $1,650 | $1,540 | $109 | 7% |
| Primary Use | $1,650 | $1,525 | $125 | 7% |
| Profession | $1,650 | $1,431 | $219 | 13% |
| Safety Devices | $1,650 | $1,589 | $60 | 3% |
| Telematics | $1,650 | $1,495 | $155 | 10% |
| Years Insured | $1,650 | $1,290 | $360 | 18% |
| Years Licensed | $1,650 | $1,388 | $262 | 16% |
How to lower car insurance costs in New Hampshire
You can lower your car insurance premiums in New Hampshire by comparing quotes from multiple insurers, choosing a higher deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim., and maintaining a clean driving record.
Ways to save on car insurance include:
- Compare quotes from multiple insurers
- Raise deductibles
- Maintain a clean driving record
- Bundle insurance policies
- Drive a vehicle with lower repair costs
- Ask about available discounts
- Reduce optional coverage on an older vehicle
Review your policy regularly to ensure it continues to provide the right level of coverage at competitive rates.
Car insurance rates in New Hampshire by model year
The vehicle you drive also affects New Hampshire car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect New Hampshire car insurance rates below.
Compare Accord insurance rates by state
| Company | Average annual premium |
|---|---|
| Nationwide | $2,278 |
| State Farm | $2,294 |
| Travelers | $2,520 |
| UAIC | $2,680 |
| GEICO | $3,072 |
| Mercury Insurance | $3,808 |
| Allstate | $4,208 |
| Farmers | $4,559 |
| Progressive | $4,588 |
| AIG | $5,738 |
Compare auto insurance rates by city in New Hampshire
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in New Hampshire will impact what you pay. Below, we've gathered New Hampshire car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Berlin | $1,279 |
Claremont | $1,212 |
Concord | $1,218 |
Manchester | $1,914 |
Nashua | $1,744 |
Rochester | $1,239 |
Car insurance premium trends in New Hampshire
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in New Hampshire to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Car insurance rates are based on a sample driver profile with the following characteristics:
- 40-year-old driver
- Honda Accord LX
- Good credit
- Clean driving record
- 12-mile daily commute
- 10,000 annual miles driven
Full coverage rates are based on:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 collision deductible
- $500 comprehensive deductible
Additional rate data includes:
- State minimum coverage limits
- Teen, young adult, adult and senior drivers
- Poor, fair and excellent credit tiers
- Speeding tickets
- DUI convictions
- At-fault accidents
Rates are sourced from Quadrant Information Services and analyzed across multiple ZIP codes and insurers.
Car insurance in New Hampshire: FAQ
How much is car insurance in New Hampshire?
Car insurance in New Hampshire costs an average of $1,650 annually for full coverage and $447 per year for minimum coverage policies.
Which company has the cheapest car insurance in New Hampshire?
The Hanover offers the cheapest average car insurance rates in New Hampshire.
What does full coverage car insurance include?
Full coverage insurance includes liability insurance and all coverage required by New Hampshire law, plus collision and comprehensive coverage for damage to your own vehicle.
Why does car insurance cost more after a DUI or accident?
Car insurance in New Hampshire costs an average of $1,650 annually for full coverage and $447 per year for minimum coverage policies.
Compare New Hampshire car insurance rates with other states
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