New Hampshire Car Insurance Calculator: Estimate Your Car Insurance Costs

ByMark Fitzpatrick
ByMark Fitzpatrick

Updated: May 2, 2023

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MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.


Rates updated:

Jun 13, 2024

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There are various methods to get car insurance quotes in New Hampshire, but some may take longer than others. MoneyGeek's car insurance calculator can help you get a quick car quote for New Hampshire.

MoneyGeek researched several companies in New Hampshire to help you navigate the different factors affecting car insurance premiums.

New Hampshire Car Insurance Calculator: How it Gets You an Instant, Free Estimate

To get an accurate car insurance estimate, you will need to provide personal information. Car insurance quotes in New Hampshire usually take 10–15 minutes to get.

Your insurance cost estimate, using MoneyGeek's New Hampshire car insurance cost calculator, may be based on your age, driving record, vehicle type and coverage levels.

The key factors that determine your car insurance rates in New Hampshire include adding a teen driver to your policy, the age of the driver and the level of coverage you purchase.

The cheapest car insurance company in New Hampshire for you is determined by a number of factors. Our calculator can provide you with a close estimate. GEICO charges our sample driver $473 per year for car insurance, making it the most affordable widely-available company.

In addition to considering costs, you should also look for a company that provides excellent customer service and the coverages you need.

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If you're curious about what your premiums will be, you may use our car insurance calculator or go through our directory of New Hampshire insurers with the cheapest rates.

MoneyGeek examined the average cost of car insurance in New Hampshire to see how the state stacks up against others. We also ranked the best car insurance providers in New Hampshire that offer a good mix between pricing and quality service.

How Car Insurance Premiums are Calculated in New Hampshire

New Hampshire's car insurance providers take various factors into account when calculating rates. When determining your auto insurance rates, your age, how much coverage you need, and whether you have a teen driver in your household are all essential considerations.

The biggest factor insurers use when calculating your premium in New Hampshire is adding a teen driver. A teen driver might increase your car insurance premiums by 3.5x.

How Much Adding a Teen Driver Matters in Calculating Car Insurance in New Hampshire

Customers who add a teen driver to their insurance plans pay higher premiums. This is because insurance companies see teenagers as high-risk since they are still inexperienced on the road. Because of their lack of experience, teen drivers have a higher risk of accident involvement.

Adding a teen driver to your coverage in New Hampshire might increase your premiums by 3.5 times.

How Much Age of Driver Matters in Calculating Car Insurance in New Hampshire

The driver’s age is critical when calculating car insurance rates in New Hampshire.

Younger drivers tend to make more mistakes than older drivers and are more likely to be involved in an accident. As a result, they have to pay more for car insurance.

Your premium will be much higher if you are between the ages of 19 and 20 than if you are, say, 40.

In New Hampshire, the driver's age may increase your car insurance rates by as much as 2.4 times.

How Much Coverage Levels Matters in Calculating Car Insurance in New Hampshire

The amount of coverage you purchase directly impacts the price of your car insurance. To get more coverage, you'll have to pay higher rates.

State minimum liability coverage in New Hampshire is the cheapest variable, while full coverage with a $500 deductible and 100/300/100 liability is the most expensive. Full coverage can cost twice as much as the state's minimum insurance.

How Much Credit Score Matters in Calculating Car Insurance in New Hampshire

Cheap rates New Hampshire auto insurance depend on excellent credit, so you’re more likely to be offered lower car insurance premiums if you have a high credit rating. Cheaper New Hampshire auto insurance is more likely if you have a clean driving record with no history of tickets or accidents.

If you have a lower credit score, you may expect to pay up to twice as much for auto insurance in New Hampshire.

How Much Car Model Matters in Calculating Car Insurance in New Hampshire

Your insurance premiums will be affected by the make and model of your car. Premiums for luxury cars are higher because they are more costly to repair and have a higher replacement value.

Additionally, specific car models are more vulnerable to theft and damage than others, necessitating additional security measures. This is also true for sports cars, unlike SUVs and sedans, which are cheaper to insure.

If you drive an expensive car, you might spend as much as twice as much for your insurance.

How to Calculate How Much Car Insurance You Need in New Hampshire

The level of coverage you choose has a significant impact on your car insurance rates in New Hampshire. Knowing how much coverage you need makes it easy to find the right balance of cost and protection.

In New Hampshire, you are required to have bodily injury liability insurance, property damage liability insurance and uninsured/underinsured motorist insurance. You may want to consider adding comprehensive and collision coverage depending on your circumstances.

Understand New Hampshire Car Insurance Requirements

Knowing New Hampshire's minimum auto insurance requirements may help determine how much coverage you need.

The state minimum coverage requirements require protection for $25,000 bodily injury liability per person and $50,000 bodily injury liability per crash. Increase your coverage levels if you want more protection.

New Hampshire does not mandate comprehensive or collision insurance which cover property and vehicle damage.

Consider Purchasing Additional Liability Insurance

To protect yourself financially in case of a crash, you may need to purchase liability insurance that exceeds the state's minimum.

It costs an average of $482 a year in New Hampshire to insure yourself for $300,000 in bodily injury liability per accident, compared to $408 for the state's minimum coverage.

Decide Whether or Not To Buy Comprehensive and Collision Insurance

In New Hampshire, comprehensive and collision coverage are optional. However, if you are leasing or financing your car, your lender may require you to carry them.

If you want extra coverage, you may need to buy full coverage, which can protect you financially from many kinds of loss or damage.

In New Hampshire, adding comprehensive and collision coverage with a $1,000 deductible costs an average of $273 per year. Keep in mind that an inexpensive car may not need hundreds of dollars in yearly insurance costs.

Consider Buying Additional Protection Besides These Core Coverages

New Hampshire requires you to carry uninsured/underinsured motorist coverage. This will protect you in the event of a collision with a driver who does not have insurance or has insufficient coverage.

Uninsured drivers account for around 6.1% of all drivers in New Hampshire. Drivers in New Hampshire are required by law to buy at least $1,000 medical payments coverage.

PIP/medical payments can compensate drivers in New Hampshire for up to $1,000 in medical payments coverage.

Frequently Asked Questions About How Car Insurance is Calculated in New Hampshire

Here are some frequently asked questions about car insurance in New Hampshire. Knowing the factors that affect your rates can help you make educated choices about your car insurance.

How can I estimate how much my car insurance costs in New Hampshire?
What are the most important factors companies use to calculate insurance costs in New Hampshire?
How do I calculate how much car insurance I need?


MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across New Hampshire. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.