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Amica Mutual is the best homeowners insurance company in New Hampshire, based on a 2023 analysis by Insurance.com, with an overall rating of 4.81. Auto-Owners is the second-best home insurance company in New Hampshire, with an overall rating of 4.63.

Amica Mutual also offers the cheapest home insurance in New Hampshire at $791 a year.

With so many options out there, it is not easy to choose a homeowners insurance company in New Hampshire. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, read on.

Key takeaways

  • The average cost of homeowners insurance in New Hampshire is $1,144 a year or $95 a month.
  • The cheapest homeowners insurance company in New Hampshire is Amica, which offers home insurance at an average of $791 a year.
  • Amica ranked as the best insurance company in New Hampshire based on rates, complaints, and financial stability.

Average home insurance cost in New Hampshire

The average cost of homeowners insurance in New Hampshire is $1,144 a year or $95 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, 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.

Best home insurance companies in New Hampshire

The best home insurance company in New Hampshire for 2023 is Amica, followed by Auto-Owners and Vermont Mutual.

Below is a full list of the top New Hampshire insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in New Hampshire
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
Amica MutualA+$ 7910.264.81
Auto-OwnersA++$ 1,0730.194.63
Vermont MutualA$ 8470.514.45
USAAA++$ 1,2530.414.27
FarmersA$ 1,0800.334.24
State FarmA++$ 1,2101.073.95
NationwideA+$ 1,4530.753.67
AllstateA+$ 1,0802.043.42

*USAA only provides coverage to military members, veterans and their families.

Cheapest home insurance companies in New Hampshire

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. Based on our rate analysis, you’ll see Amica has the most affordable rates in every category

Cheapest home insurance rates in New Hampshire by coverage level
Company$200,000$300,000$400,000$500,000$600,000
Amica Mutual$ 598$ 791$ 1,006$ 1,231$ 1,445
Vermont Mutual$ 701$ 847$ 1,012$ 1,176$ 1,340
Auto-Owners$ 859$ 1,073$ 1,316$ 1,566$ 1,784
Allstate$ 796$ 1,080$ 1,415$ 1,647$ 1,874
Farmers$ 820$ 1,080$ 1,341$ 1,617$ 1,959
State Farm$ 934$ 1,210$ 1,423$ 1,718$ 1,976
USAA$ 913$ 1,253$ 1,572$ 1,874$ 2,147
Nationwide$ 1,084$ 1,453$ 1,830$ 2,223$ 2,623
MMG Insurance$ 1,306$ 1,863$ 2,424$ 2,985$ 3,546

*USAA only provides coverage to military members, veterans and their families.

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 the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

HOME INSURANCE CALCULATOR

Average home insurance rates in CALIFORNIA

$200,000
$1,000
$100,000
94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $797

HIGHEST RATE: $1,179 LOWEST RATE: $496

Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92325Crestline$1,450
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
94086Sunnyvale$742
94085Sunnyvale$743
94087Sunnyvale$743
95051Santa Clara$743

The most expensive ZIP codes in New Hampshire for home insurance

New Hampshire homeowners insurance rates are the most expensive for ZIP code 03870 with an average annual cost of $1,567.

The most expensive ZIP codes in New Hampshire are:

ZIP codeAverage annual rates
3870$ 1,567
3874$ 1,538
3862$ 1,351
3842$ 1,305
3854$ 1,284
3871$ 1,275

The least expensive ZIP codes in New Hampshire for home insurance

The cheapest ZIP codes for home insurance in New Hampshire are:

ZIP codeAverage annual rates
3060$ 1,139
3062$ 1,142
3440$ 1,144
3063$ 1,144
3110$ 1,145
3054$ 1,146

Compare homeowners insurance rates by city in New Hampshire

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in New Hampshire.

CityAnnual insurance premium
Franklin
$883
Keene
$874
Laconia
$889
Lebanon
$878
Manchester
$863
Nashua
$843
Peterborough
$852
Portsmouth
$913
Rochester
$898
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