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: May 27, 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
Finding the most affordable home insurance is key, but don't forget to look at how well the company helps its customers and what they cover. To assist you, we've crafted a guide to the best home insurance companies in New Hampshire, so you can get a full picture and choose wisely.
Cheapest New Hampshire Home Insurance Rates by Category
While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while Amica is typically the cheapest overall, Amica offers the best rates for newer homes. To help, we’ve outlined the 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:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Claims History:Claim free for 5+ years
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Credit Tier:Good
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Home Age: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
Risk factors for insurers vary by location, making some providers more affordable than others. For example, Amica offers the cheapest rates in Manchester. However, in other cities, different providers might have better deals. It's essential to 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
Finding affordable home insurance in New Hampshire can be challenging, but you can significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.
- 1
Determine 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.
- 2
Research home insurance cost information
Enjoy cost benefits by bundling property and vehicle insurance in New Hampshire.
- 3
Bundle your policies
When you bundle your home insurance policy with another type of policy, you can save a lot of money by staying with the same provider. In the Lone Star State, you can save up to x% on home insurance when bundling with auto policies.
- 4
Compare multiple companies apples to apples
Once you know your coverage levels and type, compare quotes from different companies for that coverage to get the best deal. We recommend gathering as many quotes as possible using different methods to get your best rate.
Cheap Home Insurance New Hampshire: Bottom Line
Amica, Concord Group Insurance, and State Farm are New Hampshire's most affordable home insurance providers. Denied coverage? State programs offer low-cost policies. Remember to compare multiple companies, research costs, and understand your coverage needs before deciding.
Cheapest Home Insurance New Hampshire: FAQ
Below are answers to frequently asked questions about the cheapest home insurance in New Hampshire.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.