Amica is the cheapest home insurance option for most homeowners in New Hampshire, with an average monthly savings of $440. Below is a summary of the most affordable providers in the state.
Cheapest Home Insurance in New Hampshire
Updated: December 4, 2025
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Key Takeaways
Amica offers the cheapest homeowners insurance in New Hampshire if you own a new home or have bad credit.
Customers can find savings of up to 92% from the cheapest overall provider in New Hampshire: Amica.
If you live in a high-fire-risk area, Amica is the cheapest provider for home insurance in New Hampshire.
What is the Cheapest Home Insurance in New Hampshire?
| Amica | $59 | $713 | 31% |
| Concord Group Insurance | $70 | $838 | 19% |
| State Farm | $88 | $1,056 | -2% |
| Allstate | $89 | $1,063 | -3% |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU
Affordable home insurance matters, but customer service and coverage quality matter too. Our guide to New Hampshire's best home insurance companies gives you the full picture for smart choosing.
Cheapest New Hampshire Home Insurance Rates by Category
The cheapest options listed work for most homeowners but may not match your situation. Amica typically costs least overall and delivers the best newer home rates. Cheapest companies on average for common categories:
| Amica | Older Homes | $59 |
| Amica | Newer Homes | $36 |
| Amica | Homes in High Risk Fire Areas | $59 |
| Amica | Bad Credit | $100 |
*Rates are modified based on our methodology’s base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.
Compare Personalized Cheap New Hampshire Home Insurance
The companies listed above typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Claim free for 5+ years
Good
Older Homes
| Amica | $59 | $713 |
| Concord Group Insurance | $74 | $887 |
| State Farm | $88 | $1,056 |
| Main Street America Insurance | $93 | $1,114 |
| Farmers | $95 | $1,136 |
Cheapest New Hampshire Home Insurance By City
Location affects insurer risk factors, making some providers cheaper than others. Amica charges the least in Manchester. Other cities get better deals from different providers. Compare options in your area to find the best rate.
| Manchester | Amica | $69 |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
How To Find the Cheapest New Hampshire Home Insurance for You
Affordable New Hampshire home insurance takes effort but cuts costs significantly. Maximize policy savings with these core recommendations:
- 1Determine your coverage needs
Having your coverage limits in mind before buying can keep you from being oversold on coverage. Make sure you determine your home insurance coverage needs beforehand and understand the types of home insurance coverage to get what you need.
- 2Research home insurance cost information
Enjoy cost benefits by bundling property and vehicle insurance in New Hampshire.
- 3Bundle your policies
Bundling your home insurance with another policy saves money by staying with one provider. New Hampshire homeowners save up to x% bundling home and auto policies.
- 4Compare multiple companies
Know your coverage levels and type, then compare quotes from different companies for that coverage. Gather multiple quotes using different methods for your best rate.
Cheap Home Insurance New Hampshire: Bottom Line
New Hampshire's most affordable home insurance comes from Amica, Concord Group Insurance and State Farm. Denied coverage? State programs provide low-cost policies. Compare multiple companies, research costs and understand your coverage needs before deciding.
Cheapest Home Insurance New Hampshire: FAQ
We answer questions about New Hampshire's cheapest home insurance:
What is the cheapest home insurance company in New Hampshire?
Amica offers the lowest rates for newer homes in New Hampshire at $36 per month or $429 per year. However, homeowners with older properties or higher fire protection needs may find better rates with Amica or Amica.
How expensive is home insurance in New Hampshire?
New Hampshire has the 34th-highest home insurance rates in the U.S.
How much is home insurance in New Hampshire?
To determine the right amount of home insurance, you'll need sufficient dwelling coverage to rebuild your home, which lenders require if you're mortgaged. Additionally, factor in the worth of personal items, local hazards, and high-value possessions.
While not mandated by law, without a mortgage, home insurance should be substantial enough to cover the cost of rebuilding your home and replacing all contents inside. Consider potential local threats and the value of unique assets in selecting your policy.
How much home insurance do I need?
To determine the right amount of home insurance, you'll need sufficient dwelling coverage to rebuild your home, which lenders require if you're mortgaged. Additionally, factor in the worth of personal items, local hazards, and high-value possessions.
While not mandated by law, without a mortgage, home insurance should be substantial enough to cover the cost of rebuilding your home and replacing all contents inside. Consider potential local threats and the value of unique assets in selecting your policy.
How We Found the Cheapest Home Insurance Companies in New Hampshire
To determine the cheapest home insurance companies in New Hampshire, we assumed the following base profile:
- $250K dwelling coverage
- $125K personal property coverage
- $200K liability coverage
- Home built in 2000
- Frame construction
- Composition roof
- $1,000 all perils deductible
- No claims in the past 5+ years
- 3-class fire protection
All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.