New Hampshire Car Insurance Cost for 2021

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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How much does car insurance cost in New Hampshire?

The average annual cost of car insurance in New Hampshire is $1,100, which is 27.8% less than the national average rate of $1,523. Car insurance cost per month averages around $92 for full coverage.

Car insurance cost on some of the most popular vehicles in New Hampshire include the Honda CR-V at $828 per year, the Toyota Camry at $1,100 per year, the Honda Accord at $1,062 per year, and the Hyundai Tucson at $942 per year.

The chart below shows average car insurance rates in New Hampshire for 2021 model year vehicles and different driver ages and policy deductible amounts.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average New Hampshire car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all New Hampshire zip codes.
Average Car Insurance Cost in New Hampshire
Average Car Insurance Cost in New Hampshire
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,854$155
$500$2,186$182
$250$2,536$211
30$1,000$972$81
$500$1,158$97
$250$1,352$113
40$1,000$930$78
$500$1,100$92
$250$1,278$107
50$1,000$848$71
$500$1,000$83
$250$1,162$97
60$1,000$832$69
$500$982$82
$250$1,140$95

The average cost of car insurance for the above data ranges from $832 per year for a 60-year-old driver with a high deductible policy to $2,536 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 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 $2,768 per year for a 19-year-old female driver up to as much as $3,944 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 $3,276 to $3,684 per year for 17-year-olds and $2,988 to $3,442 per year for 18-year-olds.

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 $290 for a 40-year-old driver.
  • Increasing physical damage deductibles from $100 to $1,000 could save $502 or more each year.
  • Having an at-fault accident could cause your car insurance rates to increase by as much as $450 each year.
  • Bundling your car and homeowners insurance with the same company could save an average of $140 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 $282 per year on car insurance.

How affordable is New Hampshire car insurance?

When compared to other northeastern states, New Hampshire car insurance rates are 14.6% more expensive than Maine, 13.5% less than Massachusetts, 39% less than Rhode Island, 33.7% less than Connecticut, and 4.6% more than Vermont.

For other parts of the country, the average cost of auto insurance in New Hampshire is 29.8% cheaper than Georgia, 2% higher than Illinois, 25.3% cheaper than Texas, 46.2% cheaper than Florida, and 18% 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 third out of 11 states in the Northeast region for most affordable car insurance cost, and ranks tenth of all 50 states. Only Maine and Vermont have cheaper average car insurance rates in the Northeast region.

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New Hampshire Car Insurance Cost Compared to Northeast Region
Average Car Insurance Cost in New Hampshire Compared to Northeast Region
Northeast Region States Average Insurance Cost Annual Difference
Maine$960-$140
Vermont$1,052-$48
New Hampshire$1,100--
Massachusetts$1,272$172
Pennsylvania$1,338$238
Maryland$1,400$300
New Jersey$1,472$372
Delaware$1,644$544
Connecticut$1,658$558
New York$1,682$582
Rhode Island$1,804$704

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average New Hampshire car insurance cost by segment is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all New Hampshire Zip Codes.
New Hampshire Car Insurance Rates by Vehicle Segment
New Hampshire Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$990$83
Midsize Truck$998$83
Large Van$1,002$84
Midsize Minivan$1,024$85
Midsize SUV$1,072$89
Midsize Van$1,080$90
Small Car$1,104$92
Large Truck$1,114$93
Midsize Car$1,128$94
Large SUV$1,138$95
Small Luxury SUV$1,154$96
Large Car$1,196$100
Heavy Duty Truck$1,238$103
Midsize Luxury SUV$1,238$103
Small Luxury Car$1,278$107
Midsize Luxury Car$1,456$121
Large Luxury SUV$1,484$124
Sports Car$1,606$134
Large Luxury Car$1,698$142
Exotic Car$2,260$188

What is the cheapest car insurance in New Hampshire?

Models that have the cheapest car insurance rates in their segments are the Volkswagen Golf at $880 per year, the Mazda 6 at $1,022 per year, the Ford Edge at $874 per year, the Kia Cadenza at $1,118 per year, the Toyota Sequoia at $1,088 per year, the Toyota Tacoma at $928 per year, and the Ford F150 at $1,048 per year.

For luxury cars, the cheapest auto insurance rates in New Hampshire can be found on the Mercedes-Benz A220 at $1,080 per year, the Acura ILX at $1,028 per year, and the Volvo S90 at $1,200 per year.

The cheapest luxury SUVs to insure in New Hampshire are all made by Volvo: the Volvo XC40 at $908 per year, the Volvo V60 at $1,040 per year, and the Volvo XC90 at $1,058 per year.

The table below shows the top 75 cheapest vehicles to insure in New Hampshire from the 2021 model year.

Top 75 Cheapest Car Insurance Rates in New Hampshire
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$816$68
2Honda CR-V$828$69
3Ram Promaster City$862$72
4Mazda CX-3$866$72
5Kia Sportage$872$73
6Toyota C-HR$872$73
7Ford Edge$874$73
8Volkswagen Golf$880$73
9Mazda CX-5$888$74
10Subaru Crosstrek$898$75
11Chevrolet Spark$906$76
12Volvo XC40$908$76
13Hyundai Venue$916$76
14Volkswagen Atlas$922$77
15Kia Soul$926$77
16Subaru Impreza$926$77
17Hyundai Kona$928$77
18Kia Telluride$928$77
19Toyota Tacoma$928$77
20Chevrolet Blazer$930$78
21Jeep Compass$934$78
22Kia Rio5$934$78
23Kia Sedona$934$78
24Subaru Outback$934$78
25Chevrolet Colorado$936$78
26Honda Passport$936$78
27Mazda CX-30$936$78
28Mitsubishi Eclipse Cross$938$78
29Nissan Kicks$938$78
30Subaru Ascent$938$78
31Ford Escape$940$78
32Hyundai Tucson$942$79
33Nissan Frontier$946$79
34Acura RDX$948$79
35Honda Pilot$950$79
36Volkswagen Tiguan$950$79
37Ford Ecosport$956$80
38Toyota Corolla$956$80
39Buick Envision$960$80
40Kia Seltos$964$80
41Nissan Rogue Sport$970$81
42Chevrolet Trax$976$81
43Chevrolet Trailblazer$978$82
44Cadillac XT4$980$82
45Buick Encore$986$82
46Chevrolet Express$988$82
47Nissan Rogue$990$83
48Jeep Renegade$992$83
49Chevrolet Equinox$994$83
50Nissan Murano$994$83
51Nissan NV$994$83
52Ford Transit Connect$1,002$84
53Chrysler Pacifica$1,004$84
54Fiat 500X$1,008$84
55Mazda MX-5 Miata$1,008$84
56GMC Savana$1,010$84
57Hyundai Palisade$1,020$85
58Ford Ranger$1,022$85
59GMC Terrain$1,022$85
60Mazda 6$1,022$85
61Acura ILX$1,028$86
62Honda Insight$1,028$86
63Jeep Gladiator$1,028$86
64Honda Civic$1,032$86
65Subaru Legacy$1,032$86
66Honda HR-V$1,038$87
67Volvo V60$1,040$87
68Acura MDX$1,042$87
69Cadillac XT5$1,042$87
70Kia Rio$1,046$87
71Ford F150$1,048$87
72Toyota 4Runner$1,048$87
73Mazda 3$1,050$88
74Ram Promaster$1,052$88
75Lexus NX 300$1,054$88

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New Hampshire.
    Top 75 Cheapest Car Insurance Rates in New Hampshire

    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 $1,048 per year and ranges from $872 to $2,380 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 $87 per month in New Hampshire.

    Other popular full-size pickup models include the Ram Truck, Toyota Tundra, Chevrolet Silverado, Nissan Titan, and GMC Sierra.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Ford F150 Insurance Cost in New Hampshire
    Ford F150 Insurance Cost in New Hampshire
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,380$198
    Safe Driver Age 20$2,082$174
    At-fault Accidents Age 40$1,484$124
    Low Deductibles Age 40$1,354$113
    Safe Driver Age 30$1,102$92
    Safe Driver Age 40$1,048$87
    Safe Driver Age 50$954$80
    Safe Driver Age 60$940$78
    High Deductibles Age 40$890$74
    Discount Rate Age 40$872$73

    Toyota Corolla insurance rates (compact car)

    Toyota Corolla car insurance rates in New Hampshire range from $796 to $2,160 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $956 per year, or around $80 per month, in New Hampshire.

    Additional popular compact car models include the Nissan Sentra, Hyundai Elantra, Honda Civic, Volkswagen Jetta, and Chevrolet Cruze.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Toyota Corolla Insurance Cost in New Hampshire
    Toyota Corolla Insurance Cost in New Hampshire
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,160$180
    Safe Driver Age 20$1,890$158
    At-fault Accidents Age 40$1,344$112
    Low Deductibles Age 40$1,238$103
    Safe Driver Age 30$1,004$84
    Safe Driver Age 40$956$80
    Safe Driver Age 50$870$73
    Safe Driver Age 60$854$71
    High Deductibles Age 40$810$68
    Discount Rate Age 40$796$66

    Honda Pilot insurance rates (midsize SUV)

    The chart below shows average Honda Pilot insurance rates in New Hampshire. Annual cost ranges from $792 to $2,142 per year for the default driver risk profiles, with average cost being $950 per year, or about $79 per month.

    Other popular midsize SUV models in New Hampshire include the Ford Edge, Kia Sorento, Jeep Grand Cherokee, Toyota Highlander, and Kia Telluride.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Honda Pilot Insurance Cost in New Hampshire
    Honda Pilot Insurance Cost in New Hampshire
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,142$179
    Safe Driver Age 20$1,878$157
    At-fault Accidents Age 40$1,328$111
    Low Deductibles Age 40$1,256$105
    Safe Driver Age 30$1,008$84
    Safe Driver Age 40$950$79
    Safe Driver Age 50$866$72
    Safe Driver Age 60$850$71
    High Deductibles Age 40$794$66
    Discount Rate Age 40$792$66

    Toyota Camry insurance rates (midsize car)

    Average Toyota Camry insurance rates in New Hampshire range from $914 to $2,496 per year, with the average cost being $1,100 per year, or about $92 per month.

    Other popular midsize sedan models include the Hyundai Sonata, Kia K5, Honda Accord, Chevrolet Malibu, and Nissan Altima.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Toyota Camry Insurance Cost in New Hampshire
    Toyota Camry Insurance Cost in New Hampshire
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,496$208
    Safe Driver Age 20$2,186$182
    At-fault Accidents Age 40$1,548$129
    Low Deductibles Age 40$1,438$120
    Safe Driver Age 30$1,162$97
    Safe Driver Age 40$1,100$92
    Safe Driver Age 50$1,002$84
    Safe Driver Age 60$984$82
    High Deductibles Age 40$924$77
    Discount Rate Age 40$914$76

    Ford Mustang insurance rates (sports car)

    The average cost for Ford Mustang insurance in New Hampshire is $1,232 per year, or around $103 per month. The average rates in the chart below range from $1,024 to $2,796 per year.

    Other popular sports car models in New Hampshire include the Nissan 370Z, Subaru BRZ, Chevrolet Corvette, Toyota Supra, and Chevrolet Camaro.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Ford Mustang Insurance Cost in New Hampshire
    Ford Mustang Insurance Cost in New Hampshire
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,796$233
    Safe Driver Age 20$2,448$204
    At-fault Accidents Age 40$1,730$144
    Low Deductibles Age 40$1,628$136
    Safe Driver Age 30$1,304$109
    Safe Driver Age 40$1,232$103
    Safe Driver Age 50$1,122$94
    Safe Driver Age 60$1,100$92
    High Deductibles Age 40$1,028$86
    Discount Rate Age 40$1,024$85

    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.