Best and cheapest renters insurance in New Hampshire

Best renters insurance companies in New Hampshire

Vermont Mutual, Amica Mutual and MMG Insurance are our 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 third-party ratings. Among the carriers surveyed, Vermont Mutual is the best renters insurance company in New Hampshire. It earned a score of 5 and has an average renters insurance rate of $101.

In addition to rates, we also got scores and rating from sources like the National Association of Insurance Commissioners (NAIC) and AM Best for 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.

Company	Average annual premium	AM Best	NAIC	Insurance.com rating
Vermont Mutual	$101	A+	0.07	5.00
Amica Mutual	$89	A+	0.23	4.95
MMG Insurance	$150	A	0.61	4.50
State Farm	$151	A++	0.95	3.78
Nationwide	$155	A+	0.87	3.75
Allstate	$160	A+	0.90	3.68
Auto-Owners	$233	A++	0.33	3.66
Farmers	$224	A	0.54	3.38
Plymouth Rock Assurance	$198	A-	1.38	2.72

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Cheapest renters insurance in New Hampshire

Amica Mutual is the cheapest renters insurance company in New Hampshire based on our rate analysis with an average annual premium of $89.

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 cheapest renters insurance companies in New Hampshire and their average annual premiums.

Company name	Average annual premium
Amica Mutual	$89
Vermont Mutual	$101
MMG Insurance	$150
State Farm	$151
Nationwide	$155
Allstate	$160
Plymouth Rock Assurance	$198
Farmers	$224
Auto-Owners	$233
USAA	$154

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How much is renters insurance in New Hampshire

The average cost of renters insurance in New Hampshire is $160 a year, 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 may differ from your neighbors 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	$160
Average monthly premium	$13

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New Hampshire renters insurance: The most expensive ZIP codes

Where you live in New Hampshire affects how much you pay for renters insurance. The most expensive ZIP code in New Hampshire for renters insurance is 3870, where the average annual rate is $184 which is $24 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	$184
3862	$183
3874	$181
3871	$180
3844	$177
3854	$176
3801	$176
3032	$172
3101	$170
3855	$167

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New Hampshire renters insurance: The least expensive ZIP codes

Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in New Hampshire is 3609, and its average annual rate is $151.

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

ZIP code	Average annual rate
3609	$151
3440	$160
3110	$164
3076	$165
3852	$167
3815	$167
3291	$171
3037	$172
3854	$176
3844	$177

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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

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Methodology

Insurance.com compared renters insurance rates 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. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) which provides the best practices for the U.S. insurance industry. These factors were used along with rates to find the best companies overall.