How much does average New Hampshire car insurance cost? We break down the average cost per month on popular vehicles plus the cheapest vehicles to insure by segment.
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When compared to other northeastern states, New Hampshire ranks second out of 11 states for car insurance affordability and ranks fifth when compared to all U.S. states.
Cheap car insurance in New Hampshire is usually found in the compact SUV segment, on models like the Honda CR-V, Buick Envision, and Chevrolet Trailblazer.
How much does car insurance cost in New Hampshire?
The average annual cost of car insurance in New Hampshire is $1,944, which is 15.7% less than the national average rate of $2,276. Car insurance cost per month averages around $162 for full coverage.
Car insurance cost on some of the most popular vehicles in New Hampshire include the Honda CR-V at $1,658 per year, the Toyota Camry at $2,086 per year, the Honda Accord at $1,874 per year, and the Hyundai Tucson at $1,806 per year.
The chart below shows average car insurance rates in New Hampshire for 2024 model year vehicles and different driver ages and policy deductible amounts.
Figure 1: Average full-coverage car insurance premium in New Hampshire for different ages of drivers. Rates updated on October 24, 2025.
Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all New Hampshire Zip Codes.
Average Car Insurance Cost in New Hampshire
Driver Age
Deductible
Annual Premium
Cost Per Month
20
$1,000
$3,310
$276
$500
$3,910
$326
$250
$4,546
$379
30
$1,000
$1,738
$145
$500
$2,072
$173
$250
$2,424
$202
40
$1,000
$1,638
$137
$500
$1,944
$162
$250
$2,268
$189
50
$1,000
$1,456
$121
$500
$1,720
$143
$250
$2,000
$167
60
$1,000
$1,362
$114
$500
$1,612
$134
$250
$1,872
$156
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all New Hampshire Zip Codes. Updated October 24, 2025
The average cost of car insurance for the above data ranges from $1,362 per year for a 60-year-old driver with a high deductible policy to $4,546 per year for a 20-year-old driver that has a policy with low deductibles. Lower physical damage deductibles increase the cost of car insurance due to the insurance company having to pay more for a claim.
Teen driver car insurance rates
Teen drivers are notorious for having the highest car insurance quotes in New Hampshire, and you can expect to pay quite a bit if you are insuring a 16 to 19-year-old. Average insurance cost for teenage drivers ranges from $4,629 per year for a 19-year-old female driver up to as much as $6,920 per year for a 16-year-old male driver.
Average car insurance rates for 17-year-old and 18-year-old drivers in New Hampshire range from $6,426 to $6,704 per year for 17-year-olds and $5,547 to $6,009 per year for 18-year-olds.
Car insurance policy cost factors
Policy cost will vary considerably based on the age and model of the vehicle being insured, so the best way to know exactly how much you can expect to pay is to just get a few free New Hampshire car insurance quotes.
Some additional situations that could increase or decrease the cost of a car insurance policy include:
Minor traffic violations could increase the annual cost of auto insurance in New Hampshire by $516 for a 40-year-old driver.
Increasing physical damage deductibles from $100 to $1,000 could save $906 or more each year.
Having an at-fault accident could cause your car insurance rates to increase by as much as $806 each year.
Bundling your car and homeowners insurance with the same company could save an average of $250 per year.
Buying a vehicle with cheaper auto insurance rates can save a lot each year. For example, driving a Toyota Corolla instead of a Hyundai Elantra could save as much as $218 per year on car insurance.
How affordable is New Hampshire car insurance?
When compared to other northeastern states, New Hampshire car insurance rates are 6.3% more expensive than Maine, 31.7% cheaper than Massachusetts, 40.7% cheaper than Rhode Island, 33.1% cheaper than Connecticut, and 4.9% cheaper than Vermont.
For other parts of the country, the average cost of auto insurance in New Hampshire is 27.2% cheaper than Georgia, 16.9% lower than Illinois, 20.7% cheaper than Texas, 35.8% cheaper than Florida, and 21.2% cheaper than Oregon.
The chart below shows how well New Hampshire car insurance cost compares to other states in the northeastern part of the United States. New Hampshire ranks very well at second out of 11 states in the Northeast region for most affordable car insurance cost, and ranks fifth out of all 50 states.
Figure 2: Average cost of car insurance in New Hampshire compared to other Northeast region states. Rates updated on October 24, 2025.
Average Car Insurance Cost in New Hampshire Compared to Northeast Region
Northeast Region States
Average Annual Premium
Cost Difference
Maine
$1,826
-$118
New Hampshire
$1,944
--
Vermont
$2,042
$98
Maryland
$2,394
$450
Pennsylvania
$2,450
$506
Massachusetts
$2,676
$732
Connecticut
$2,716
$772
Delaware
$2,756
$812
New York
$2,796
$852
New Jersey
$2,886
$942
Rhode Island
$2,936
$992
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all New Hampshire Zip Codes. Updated October 24, 2025
Average car insurance rates by vehicle segment
The chart below shows average car insurance rates in New Hampshire for each of the different vehicle segments. As a whole, rates tend to be cheapest on compact and midsize vehicles, with luxury and sports car models having higher average rates.
Figure 3: Car insurance average cost by automotive segment in New Hampshire. Rates updated on October 24, 2025.
Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all New Hampshire Zip Codes.
Car Insurance Rates by Automotive Segment in New Hampshire
Automotive Segment
Annual Premium
Cost Per Month
Compact SUV
$1,784
$149
Midsize SUV
$1,916
$160
Compact Car
$1,918
$160
Minivan
$1,922
$160
Midsize Pickup
$1,960
$163
Midsize Car
$1,982
$165
Compact Luxury SUV
$2,106
$176
Compact Luxury Car
$2,138
$178
Large SUV
$2,146
$179
Half-ton Pickup
$2,154
$180
Heavy Duty Pickup
$2,236
$186
Midsize Luxury SUV
$2,304
$192
Midsize Luxury Car
$2,384
$199
Sports Car
$2,670
$223
Large Car
$2,794
$233
Large Luxury SUV
$3,004
$250
Large Luxury Car
$3,110
$259
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all New Hampshire Zip Codes. Updated October 24, 2025
What is the cheapest car insurance in New Hampshire?
The models with the cheapest average auto insurance prices in New Hampshire tend to be compact SUVs like the Kia Soul, Subaru Crosstrek, and Hyundai Venue.
Average auto insurance quotes for those vehicles cost $132 or less per month for full coverage.
Other vehicles that are highly ranked in our insurance cost comparison are the Ford Bronco Sport, Buick Envista, Toyota GR Corolla, and Volkswagen Tiguan. The average rates are somewhat higher for those models than the ones at the top of list, but they still have average rates of $1,688 or less per year, or about $141 per month in New Hampshire.
If luxury models are your preference, some of the cheaper luxury cars and SUVs to insure in New Hampshire are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Acura RDX, Lexus NX 250, and Cadillac XT4.
Rates for those luxury models start at around $1,728 per year in New Hampshire, which is about the equivalent of $144 per month.
The table below shows the top 75 cheapest vehicles to insure in New Hampshire from the 2024 model year.
Top 75 Cheapest Car Insurance Rates in New Hampshire
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all New Hampshire Zip Codes. Updated October 24, 2025
Top 75 cheapest vehicles to insure in New Hampshire with the Subaru Crosstrek ranking first at $1,434 per year
Average car insurance rates for popular vehicles
The charts below show average car insurance rates for five popular models in the full-size pickup, compact car, midsize SUV, midsize car, and sports car segments. The models included for analysis are the Ford F150, Toyota Corolla, Honda Pilot, Toyota Camry, and Ford Mustang.
Ford F150 insurance rates (full-size pickup)
Ford F-150 insurance in New Hampshire costs an average of $2,174 per year and ranges from $1,804 to $5,020 per year for the sample driver risk profiles shown in the chart below. Average car insurance cost per month for the Ford F-150 is $181 per month in New Hampshire.
Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in New Hampshire includes all Zip Codes and vehicle trim levels.
2024 Ford F150 Insurance Cost in New Hampshire
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,020
$418
Safe Driver Age 20
$4,396
$366
At-fault Accidents Age 40
$3,084
$257
Low Deductibles Age 40
$2,848
$237
Safe Driver Age 30
$2,320
$193
Safe Driver Age 40
$2,174
$181
Safe Driver Age 50
$1,924
$160
High Deductibles Age 40
$1,828
$152
Discount Rate Age 40
$1,804
$150
Safe Driver Age 60
$1,802
$150
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated October 24, 2025
Toyota Corolla insurance rates (compact car)
Toyota Corolla car insurance rates in New Hampshire range from $1,574 to $4,338 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $1,894 per year, or around $158 per month, in New Hampshire.
Figure 5: Average 2024 Toyota Corolla insurance premiums in New Hampshire for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in New Hampshire includes all Zip Codes and vehicle trim levels.
2024 Toyota Corolla Insurance Cost in New Hampshire
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,338
$362
Safe Driver Age 20
$3,786
$316
At-fault Accidents Age 40
$2,686
$224
Low Deductibles Age 40
$2,428
$202
Safe Driver Age 30
$2,012
$168
Safe Driver Age 40
$1,894
$158
Safe Driver Age 50
$1,686
$141
High Deductibles Age 40
$1,616
$135
Safe Driver Age 60
$1,576
$131
Discount Rate Age 40
$1,574
$131
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated October 24, 2025
Honda Pilot insurance rates (midsize SUV)
The chart below shows average Honda Pilot insurance rates in New Hampshire. Annual cost ranges from $1,570 to $4,376 per year for the default driver risk profiles, with average cost being $1,892 per year, or about $158 per month.
Figure 6: Average 2024 Honda Pilot insurance premiums in New Hampshire for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in New Hampshire includes all Zip Codes and vehicle trim levels.
2024 Honda Pilot Insurance Cost in New Hampshire
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,376
$365
Safe Driver Age 20
$3,834
$320
At-fault Accidents Age 40
$2,680
$223
Low Deductibles Age 40
$2,504
$209
Safe Driver Age 30
$2,022
$169
Safe Driver Age 40
$1,892
$158
Safe Driver Age 50
$1,674
$140
High Deductibles Age 40
$1,580
$132
Discount Rate Age 40
$1,570
$131
Safe Driver Age 60
$1,568
$131
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Pilot trim levels. Updated October 24, 2025
Toyota Camry insurance rates (midsize car)
Average Toyota Camry insurance rates in New Hampshire range from $1,734 to $4,802 per year, with the average cost being $2,086 per year, or about $174 per month.
Figure 7: Average 2024 Toyota Camry insurance premiums in New Hampshire for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in New Hampshire includes all Zip Codes and vehicle trim levels.
2024 Toyota Camry Insurance Cost in New Hampshire
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,802
$400
Safe Driver Age 20
$4,206
$351
At-fault Accidents Age 40
$2,942
$245
Low Deductibles Age 40
$2,772
$231
Safe Driver Age 30
$2,232
$186
Safe Driver Age 40
$2,086
$174
Safe Driver Age 50
$1,844
$154
High Deductibles Age 40
$1,736
$145
Discount Rate Age 40
$1,734
$145
Safe Driver Age 60
$1,726
$144
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated October 24, 2025
Ford Mustang insurance rates (sports car)
The average cost for Ford Mustang insurance in New Hampshire is $2,134 per year, or around $178 per month. The average rates in the chart below range from $1,772 to $4,890 per year.
Figure 8: Average 2024 Ford Mustang insurance premiums in New Hampshire for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Ford Mustang with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Mustang car insurance cost in New Hampshire includes all Zip Codes and vehicle trim levels.
2024 Ford Mustang Insurance Cost in New Hampshire
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,890
$408
Safe Driver Age 20
$4,268
$356
At-fault Accidents Age 40
$3,018
$252
Low Deductibles Age 40
$2,778
$232
Safe Driver Age 30
$2,276
$190
Safe Driver Age 40
$2,134
$178
Safe Driver Age 50
$1,898
$158
High Deductibles Age 40
$1,804
$150
Safe Driver Age 60
$1,772
$148
Discount Rate Age 40
$1,772
$148
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford Mustang trim levels. Updated October 24, 2025
Average rates in select cities
Average annual and monthly auto insurance rates are shown below for some of the larger New Hampshire cities. Visit any page for detailed rate information, including the cheapest models to insure in each city.
