Best and cheapest renters insurance in New Hampshire

Best renters insurance companies in New Hampshire

When choosing the best renters insurance company in New Hampshire, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in New Hampshire. Below is our list of best renters insurance companies in New Hampshire based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

Company	Average rating(out of 5)
Nationwide	4
Allstate	3.5
USAA	3.5
State Farm	3
Farmers	2.5

Compare the best renters insurance companies in New Hampshire

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money’s worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for New Hampshire residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, Nationwide is the best renters insurance company in New Hampshire. It earned 852 out of 1000 from J.D. Power and has an average renters insurance rate of $155.

The table below offers a detailed comparison of renters insurance companies in New Hampshire.

Company	J.D. Power Score	Average Annual Premium	AM Best Ratings
Nationwide	852	$155	A+
Allstate	835	$160	A+
USAA	894	$134	A++
State Farm	844	$207	A++
Farmers	842	$224	A

How much is renters insurance in New Hampshire

New Hampshire residents pay an average of $155 a year for renters insurance, and the average monthly cost is $13. That’s for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance will not be the same as a neighbor’s price because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

“The number one thing that’s most important is to get good liability. A renter’s policy will default to $100,000 liability,” Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. “It costs next to nothing to go from $100,000 to $500,000. I want to say it’s probably 10 bucks a year. It’s really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that’s, at its core, what insurance is all about: the worst-case scenario.”

Average Annual Premium	Average Monthly Premium
$155	$13

Most expensive ZIP codes in New Hampshire for renters insurance

Several factors affect your renters insurance coverage cost in New Hampshire, including your location and the coverage you buy. The most expensive ZIP code in New Hampshire for renters insurance is 3870, where the average annual rate is $178 which is $23 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in New Hampshire for renters insurance.

ZIP code	Average Annual Rate
3870	$178
3862	$177
3842	$176
3874	$175
3871	$174
3844	$171
3854	$169
3840	$168
3833	$167
3042	$166

Least expensive ZIP codes in New Hampshire for renters insurance

Renters insurance rates in New Hampshire are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in New Hampshire is 3603, and its average annual rate is $149.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP code	Average Annual Rate
3603	$149
3462	$150
3465	$151
3282	$152
3304	$153
3218	$154
3062	$157
3440	$159
3070	$160
3852	$162

Compare renters insurance rates by city in New Hampshire

Renters 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 renters insurance for your specific city in New Hampshire.

City	Annual insurance premium
Claremont	$149
Concord	$152
Dover	$163
Keene	$149
Laconia	$151
Lebanon	$151
Manchester	$164
Nashua	$157
Portsmouth	$168
Rochester	$163

Cheap renters insurance in New Hampshire by company

There are a lot of companies offering renters insurance in New Hampshire. Among the carriers surveyed by Insurance.com, Amica Mutual is the cheapest renters insurance company in New Hampshire; its average annual premium is $88.

Renters insurance prices can vary drastically between companies. That’s why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the best cheap renters insurance companies in New Hampshire and their average annual premiums.

Company Name	Average Annual Premium
Vermont Mutual	$101
USAA	$134
MMG Insurance	$150
Nationwide	$155
Allstate	$160
State Farm	$207
Farmers	$224
Auto-Owners	$240
Amica Mutual	$88

Methodology

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. Content was updated in 2023.