Updated: January 13, 2026
Advertising & Editorial Disclosure
Amica offers New Hampshire's cheapest homeowners insurance rates at $742 annually.
Amica, State Farm, Concord Group, Main Street America and Allstate cost 2% to 36% below the $1,151 state average.
Bundle your home and auto insurance policies to save 10% to 25% on premiums — one of the biggest discounts New Hampshire insurers offer.
Amica is the cheapest home insurance company in New Hampshire at $742 per year. State Farm ranks second at $1,009 annually and covers all New Hampshire residents. The five most affordable insurers save homeowners between $23 and $409 compared to the state average.
| Amica | $62 | $742 | -36% |
| State Farm | $84 | $1,009 | -12% |
| Concord Group Insurance | $85 | $1,015 | -12% |
| Main Street America Insurance | $91 | $1,094 | -5% |
| Allstate | $98 | $1,175 | 2% |
*The rates above are for homeowners ages 41 to 60 with good credit and no claims history. Quotes are for a home built in 2000 insured for $250,000 in dwelling coverage, $125,000 in personal property coverage and $200,000 in liability coverage with a $1,000 deductible.
According to our cost research, Amica offers New Hampshire's lowest home insurance rates across all categories. Newer homes average $558 annually with Amica, while larger homes cost $1,121.
| Older Homes | Amica | $733 |
| Newer Homes | Amica | $558 |
| Young Homeowners | Amica | $743 |
| Senior Homeowners | Amica | $737 |
| High-Risk Fire Homes | Amica | $831 |
| Smaller Homes | Amica | $934 |
| Larger Homes | Amica | $1,121 |
When comparing home insurance options, don't focus solely on price. Service and coverage quality are equally critical for your long-term satisfaction. Check out our guide to the best home insurance companies in New Hampshire for comprehensive comparisons across all key factors.
Risk factors differ by location, so insurers price policies differently across New Hampshire. Amica offers the cheapest home insurance rates in cities like Contoocook and Dover.
| Contoocook | Amica | $691 |
| Dover | Amica | $691 |
| Manchester | Amica | $819 |
| Walpole | Amica | $691 |
Your coverage needs determine which insurer offers the best rate. Amica provides the lowest premiums for basic $100,000 dwelling, $50,000 personal property and $100,000 liability coverage at $445 annually. It also delivers the most affordable rates for mid-range and high-value homes. State Farm is the cheapest provider at the premium $1 million dwelling, $500,000 personal property and $1 million liability level.
| Amica | $37 | $445 |
| Main Street America Insurance | $48 | $578 |
| State Farm | $49 | $590 |
| Allstate | $49 | $593 |
| Farmers | $50 | $596 |
New Hampshire homeowners can cut their insurance costs by hundreds of dollars annually through discounts, higher deductibles and smart home improvements.
Combine your home and auto insurance with the same company to save 10% to 25% on both policies. State Farm, Allstate and Progressive offer bundle discounts to New Hampshire homeowners.
Raise your deductible to lower your annual premium, though you'll pay more out of pocket when filing a claim. Choose a deductible amount you can afford if you need to file a claim.
New Hampshire allows insurers to use credit-based insurance scores when setting rates. Improving your credit score can save you hundreds of dollars annually on your home insurance premium.
Filing multiple claims within three years triggers rate increases. Use homeowners insurance for major losses rather than small repairs you can afford.
Contact your insurer to find all discounts you qualify for beyond bundling. Review your policy annually to add new discounts as your situation changes.
Frequently asked questions about the cheapest home insurance in New Hampshire:
Standard homeowners insurance in New Hampshire covers tornado damage to your home and belongings. New Hampshire isn't considered a high tornado risk area, so most policies include this protection without special riders or exclusions.
Flood insurance isn't required statewide in New Hampshire, but your mortgage lender will require it if you're in a FEMA high-risk flood zone. Even if not required, it's worth considering since regular homeowners insurance doesn't cover flood damage, which can be financially devastating.
Replacement cost coverage pays the full amount to rebuild or replace your property without factoring in wear and tear. Actual cash value coverage deducts depreciation, giving you less money based on your property's current worth. Most New Hampshire lenders require replacement cost coverage.
You can cancel your New Hampshire home insurance anytime, though some insurers charge cancellation fees. You'll get a refund for unused premium, but be careful about timing since your lender requires proof of continuous coverage.
Our rate analysis reflects what most New Hampshire homeowners need: standard coverage for a typical single-family home built within the past 25 years.
We collected quotes from major insurers using a consistent homeowner profile across New Hampshire. This approach shows how each company prices the same coverage by removing variables that make direct comparisons difficult. The base profile represents the most common home insurance scenario in New Hampshire.
Standard Coverage Profile:
For specialty scenarios like older homes, high-value properties and rural locations, we adjusted variables from this base profile while keeping other factors constant. This shows how specific characteristics affect your rate compared to the standard homeowner.
These figures are estimates based on statewide averages. Your actual premium depends on your home's location, age, construction type and your claims history. Compare quotes from at least three insurers to find your lowest rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
