New Hampshire drivers pay about $984 per year for full coverage car insurance and $518 for minimum coverage, based on a 40-year-old driver with good credit and no driving violations. Your rates will vary depending on your unique profile.
Average Cost of Car Insurance in New Hampshire
Updated: August 19, 2025
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Key Takeaways
Depending on driver profile, coverage and location, car insurance costs can be between $518 and $5,262 per year on average in New Hampshire.
With rankings of 13th for minimum coverage and fiftth for full coverage, New Hampshire offers some of the most budget-friendly car insurance rates in the nation.
To secure the cheapest car insurance in New Hampshire, start by deciding your coverage requirements, then research various companies before comparing quotes extensively.
Average Car Insurance Cost In New Hampshire
| Full Coverage | $82 | $984 |
| Minimum Coverage | $43 | $518 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Average New Hampshire Car Insurance Cost by Category
Car insurance varies widely depending on your unique characteristics, location and car. Here are average rates for common categories of drivers so you can see how pricing can vary.
| Young Drivers | $115 | $222 |
| Adult Drivers | $43 | $81 |
| Senior Drivers | $61 | $106 |
| Drivers With An Accident | $62 | $118 |
| Drivers With A DUI | $78 | $146 |
| Drivers With A Speeding Ticket | $51 | $97 |
| Drivers With Bad Credit | $119 | $259 |
| Drivers With Low Income | $74 | $160 |
| Drivers With Newer Cars | $56 | $107 |
| Drivers With Old Cars | $40 | $76 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that specific violation.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
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Personalized Average New Hampshire Car Insurance Costs
General driver categories give you a starting point, but your costs are unique. Our filterable table below shows personalized rates based on your specific profile.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100 Full Cov. w/$1,000 Ded. | 295 | 3545 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).
Average New Hampshire Car Insurance Cost by City
Your location in New Hampshire plays a big role in your car insurance costs. Annual full coverage rates start at $479 in Keene and go up to $1,220 in Manchester. Below you can compare both full and minimum coverage rates for your city and all other residential areas in the state.
Data filtered by:Results filtered by:
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City:Acworth
| Full Coverage | $78 | $936 |
| Minimum Coverage | $42 | $499 |
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Is New Hampshire Car Insurance Expensive?
New Hampshire ranks 13th for minimum coverage and 5th for full coverage affordability among the 50 states and Washington, D.C., making it one of the most affordable states for car insurance in 2025. This reflects statewide averages, and affordability rankings for your city differ from the rest of the United States.
Why Is Car Insurance More Expensive In New Hampshire?
What makes New Hampshire car insurance so affordable? Here are the main reasons:
Unique "Live Free or Die" insurance laws
New Hampshire is the only state that doesn't mandate car insurance for most drivers, following its "Live Free or Die" motto. Instead, drivers must demonstrate financial responsibility to cover damages if they cause an accident. However, drivers with certain violations like DUI or at-fault accidents while uninsured are required to carry insurance and file SR-22 certificates for at least three years.
Mandatory coverage requirements for policy holders
While insurance isn't required, drivers who choose to buy coverage must meet specific minimum requirements: 25/50/25 liability coverage, mandatory uninsured motorist coverage equal to liability limits and at least $1,000 in medical payments coverage. These requirements ensure that voluntary insurance buyers have comprehensive protection, making New Hampshire policies more robust than many states' minimum requirements.
Financial responsibility law consequences
New Hampshire's Motor Vehicle Financial Responsibility Law means uninsured at-fault drivers face severe consequences including license suspension, car registration suspension and personal liability for all damages. A 2021 amendment expanded the law's reach to accidents occurring outside New Hampshire, increasing liability exposure for New Hampshire residents driving in other states.
Lower overall insurance costs
New Hampshire drivers benefit from below-average insurance rates, with full coverage averaging $1,741 annually compared to the national average of $2,680. The state's relatively low population density, lower crime rates and fewer uninsured drivers (approximately 6.1% are uninsured) contribute to these competitive rates. However, rates vary by city, with Manchester having the highest rates among populated areas.
Severe winter weather risks
New Hampshire's harsh winters create significant driving hazards, with 24% of weather-related crashes occurring on snowy, icy pavement and 15% during snowfall. The state's mountainous terrain adds to winter driving risks, making comprehensive coverage valuable for weather-related damage from ice, snow and falling tree branches. Winter conditions also increase the likelihood of single-car accidents sliding into ditches or hitting trees.
Strict DUI penalties and insurance requirements
New Hampshire has severe DUI consequences, with first-time offenders facing fines of $500 to $1,200 and license suspension for nine months to two years. DUI convictions require SR-22 insurance filing and stay on driving records for 10 years. The state's strict enforcement and long-term consequences make DUI prevention important for maintaining affordable insurance rates.
Comprehensive coverage requirements
New Hampshire requires more comprehensive mandatory coverages than many states for drivers who choose insurance. Unlike states that only require basic liability, New Hampshire mandates uninsured motorist coverage and medical payments coverage. This comprehensive approach means drivers pay more for minimum coverage but receive better protection against uninsured drivers and medical expenses.
Low uninsured motorist rates
New Hampshire maintains one of the nation's lowest uninsured motorist rates at approximately 6.1%, well below the national average. This low rate benefits insured drivers through reduced claim costs and fewer uninsured motorist claims. The state's unique approach to insurance requirements and strong enforcement of financial responsibility laws contribute to this favorable statistic.
Rural vs. urban rate variations
New Hampshire's insurance rates vary between rural and urban areas, with Manchester having the highest rates among the state's populated cities. Rural areas benefit from lower crime rates, reduced traffic congestion and fewer accidents, while urban areas face higher theft rates and accident frequency. The state's relatively small size means rate variations are less extreme than in larger states.
How To Lower Car Insurance Costs In New Hampshire
Even with New Hampshire's affordable rates, you can save more. Here's how to lower your car insurance costs:
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.
- 2
Research costs and discounts
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies to find the best deal possible. Use different means of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in New Hampshire: Bottom Line
New Hampshire car insurance costs are among the most affordable in the United States, but smart shopping can still help you save even more. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.
Cost of Car Insurance in New Hampshire: FAQ
Below are answers to frequently asked questions about New Hampshire car insurance costs:
How much is New Hampshire car insurance per month?
New Hampshire car insurance costs $43 for minimum coverage and $82 for full coverage policies. Rates range from $40 to $259 monthly, depending on your unique driver profile and coverage choice.
What factors affect New Hampshire car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or those who are young face higher rates, while rural areas cost less than urban ones. Car type, coverage amounts, credit score and annual mileage also impact premiums, along with factors like gender and marital status in some states.
Why is New Hampshire car insurance so expensive?
New Hampshire uniquely doesn't mandate insurance for most drivers, following its "Live Free or Die" motto. However, drivers who choose coverage must meet comprehensive requirements including uninsured motorist coverage and medical payments. The state has one of the lowest uninsured rates at 6.1% and maintains below-average costs at $984 annually. Strict DUI penalties require SR-22 filing for up to 10 years.
How expensive is New Hampshire car insurance?
With rankings of 13th for minimum coverage affordability and fifth for full coverage, New Hampshire stands out as one of the more budget-friendly destinations for auto insurance across the U.S.
How We Determined New Hampshire Car Insurance Costs
We used the following profile and modifications of this profile to determine New Hampshire auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.