Best home insurance company in New Hampshire: Vermont Mutual
The best home insurance company in New Hampshire for 2026 is Vermont Mutual. Amica, Auto-Owners, State Farm, and Allstate are among the top home insurance companies in New Hampshire based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance company in New Hampshire: Vermont Mutual
Below are New Hampshire home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Our rate analysis shows that Vermont Mutual has the most affordable rates for all coverage limits.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Allstate | $753 | $981 | $1,252 | $1,610 | $3,090 |
| Amica | $658 | $861 | $1,093 | $1,530 | $2,265 |
| Auto-Owners | $1,010 | $1,284 | $1,607 | $2,240 | $2,957 |
| MMG Insurance | $1,392 | $2,004 | $2,615 | $3,838 | $5,501 |
| Nationwide | $1,350 | $1,792 | $2,243 | $3,167 | $4,625 |
| State Farm | $1,067 | $1,363 | $1,567 | $2,044 | $2,794 |
| Vermont Mutual | $693 | $834 | $991 | $1,307 | $1,845 |
| USAA | $1,057 | $1,363 | $1,640 | $2,154 | $2,853 |
*USAA only provides coverage to military members, veterans and their families.
Average home insurance cost in New Hampshire
The average cost of homeowners insurance in New Hampshire is $1,324 a year or $110 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible
- 2% hurricane deductible
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different New Hampshire homeowners insurance companies to get the best deal.
New Hampshire home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in New Hampshire to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see that area's average home insurance rate. You will also see the highest and lowest premiums from major home insurers. Comparing home insurance rates will give you an idea of how much you can save.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
The New Hampshire Insurance Department says...
Please remember, price should be only one consideration in the decision to purchase an insurance policy. The consumer should also consider coverage levels and offerings, the service(s) the insurance company provides, whether or not to use an independent agent or look for a company that sells directly to the consumer, whether to look for a company that sells over the internet, how the company handles claims, whether or not the insurance company uses the consumer's credit history in either their underwriting or pricing, and any other considerations of interest to the consumer.
- The New Hampshire Insurance DepartmentThe most expensive ZIP codes in New Hampshire for home insurance
New Hampshire homeowners insurance rates are the most expensive for ZIP code 03871, with an average annual cost of $1,526.
The most expensive ZIP codes in New Hampshire are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Rye Beach | 3871 | $1,526 |
| New Castle | 3854 | $1,508 |
| Hampton | 3842 | $1,507 |
| North Hampton | 3862 | $1,504 |
| Hampton Falls | 3844 | $1,488 |
| Rye | 3870 | $1,470 |
| Portsmouth | 3801 | $1,423 |
| New Hampton | 3256 | $1,390 |
| Greenland | 3840 | $1,389 |
| Ashland | 3217 | $1,388 |
The least expensive ZIP codes in New Hampshire for home insurance
The cheapest ZIP codes for home insurance in New Hampshire are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Litchfield | 3052 | $1,237 |
| Gorham | 3581 | $1,238 |
| Hudson | 3051 | $1,239 |
| Berlin | 3570 | $1,243 |
| Pittsburg | 3592 | $1,244 |
| Mount Washington | 3589 | $1,246 |
| Lancaster | 3584 | $1,247 |
| Groveton | 3582 | $1,248 |
| West Stewartstown | 3597 | $1,248 |
| Wilton | 3086 | $1,249 |
Compare homeowners insurance rates by city in New Hampshire
Home insurance rates vary significantly across cities, influenced by factors such as weather patterns and construction costs. Compare average rates by city below.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio, and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
Compare New Hampshire homeowners insurance rates with other states
