New Hampshire Car Insurance Cost for 2022

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 $920, which is 40.7% less than the national average rate of $1,551. Car insurance cost per month averages around $77 for full coverage.

Car insurance cost on some of the most popular vehicles in New Hampshire include the Honda CR-V at $804 per year, the Toyota Camry at $902 per year, the Honda Accord at $962 per year, and the Hyundai Tucson at $854 per year.

The chart below shows average car insurance rates in New Hampshire for 2022 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 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all New Hampshire zip codes.Data last updated on May 19, 2022
Average Car Insurance Cost in New Hampshire
Average Car Insurance Cost in New Hampshire
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,550$129
$500$1,824$152
$250$2,116$176
30$1,000$814$68
$500$970$81
$250$1,130$94
40$1,000$778$65
$500$920$77
$250$1,066$89
50$1,000$710$59
$500$838$70
$250$970$81
60$1,000$696$58
$500$820$68
$250$950$79

The average cost of car insurance for the above data ranges from $696 per year for a 60-year-old driver with a high deductible policy to $2,116 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 $2,310 per year for a 19-year-old female driver up to as much as $3,292 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 $2,734 to $3,074 per year for 17-year-olds and $2,492 to $2,872 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 $240 for a 40-year-old driver.
  • Increasing physical damage deductibles from $100 to $1,000 could save $416 or more each year.
  • Having an at-fault accident could cause your car insurance rates to increase by as much as $376 each year.
  • Bundling your car and homeowners insurance with the same company could save an average of $120 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 $132 per year on car insurance.

How affordable is New Hampshire car insurance?

When compared to other northeastern states, New Hampshire car insurance rates are 12.7% more expensive than Maine, 26.2% less than Massachusetts, 48.8% less than Rhode Island, 37.7% less than Connecticut, and 9.1% more than Vermont.

For other parts of the country, the average cost of auto insurance in New Hampshire is 37.5% cheaper than Georgia, 25.3% higher than Illinois, 35.9% cheaper than Texas, 58.7% cheaper than Florida, and 28% 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 #1 out of 11 states in the Northeast region for most affordable car insurance cost, and ranks second out of all 50 states. Only Ohio has cheaper average car insurance rates.

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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
New Hampshire$920--
Vermont$1,012$92
Maine$1,054$134
Massachusetts$1,246$326
Pennsylvania$1,282$362
Maryland$1,374$454
New Jersey$1,438$518
Connecticut$1,476$556
Delaware$1,550$630
New York$1,620$700
Rhode Island$1,796$876

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 2022 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.Data last updated on April 12, 2022
New Hampshire Car Insurance Rates by Vehicle Segment
New Hampshire Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$862$72
Midsize Pickup$880$73
Minivan$926$77
Midsize SUV$932$78
Compact Car$946$79
Midsize Car$958$80
Half-ton Pickup$998$83
Compact Luxury SUV$1,034$86
Large SUV$1,038$87
Compact Luxury Car$1,044$87
Large Car$1,062$89
Heavy Duty Pickup$1,094$91
Midsize Luxury SUV$1,110$93
Midsize Luxury Car$1,216$101
Sports Car$1,298$108
Large Luxury SUV$1,390$116
Large Luxury Car$1,454$121

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 Chevrolet Trailblazer, Mazda CX-5, and Nissan Rogue Sport.

Average auto insurance quotes for those vehicles cost $64 or less per month for full coverage.

Other vehicles that are highly ranked in our insurance cost comparison are the Hyundai Venue, Hyundai Kona, Mazda MX-5 Miata, and Buick Envision. The average rates are somewhat higher for those models than the ones at the top of list, but they still have average rates of $798 or less per year, or about $67 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 ILX, Mercedes-Benz A220, BMW 330i, Acura RDX, Cadillac XT4, and Volvo XC40.

Rates for those luxury models start at around $846 per year in New Hampshire, which is about the equivalent of $71 per month.

The table below shows the top 75 cheapest vehicles to insure in New Hampshire from the 2022 model year.

Top 75 Cheapest Car Insurance Rates in New Hampshire
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$698$58
2Nissan Kicks$716$60
3Chevrolet Trailblazer$720$60
4Honda Passport$736$61
5Subaru Crosstrek$738$62
6Chevrolet Colorado$756$63
7Buick Encore$760$63
8Toyota C-HR$760$63
9Nissan Rogue Sport$766$64
10Hyundai Venue$780$65
11Buick Envision$782$65
12Kia Seltos$782$65
13Acura RDX$788$66
14Ford Maverick$788$66
15Subaru Ascent$788$66
16Toyota Corolla Cross$788$66
17Subaru Forester$794$66
18Hyundai Kona$796$66
19Subaru Impreza$796$66
20Mazda MX-5 Miata$798$67
21Volkswagen Tiguan$798$67
22Chevrolet Spark$800$67
23Honda CR-V$804$67
24Cadillac XT4$808$67
25Mazda CX-30$812$68
26Ford Ranger$816$68
27Honda HR-V$826$69
28Ford Edge$828$69
29Ford Ecosport$832$69
30Chevrolet Trax$842$70
31Subaru Outback$842$70
32Acura ILX$846$71
33GMC Terrain$848$71
34Mitsubishi Eclipse Cross$848$71
35Hyundai Tucson$854$71
36Nissan Murano$854$71
37Toyota Tacoma$854$71
38Honda Odyssey$856$71
39Chevrolet Bolt$858$72
40Toyota Venza$858$72
41Chevrolet Equinox$860$72
42Volkswagen Taos$862$72
43Ford Explorer$864$72
44Fiat 500X$866$72
45Toyota RAV4$868$72
46Kia Sorento$870$73
47Kia Soul$870$73
48Nissan Frontier$878$73
49Hyundai Palisade$882$74
50Volkswagen Golf$882$74
51GMC Canyon$884$74
52Hyundai Santa Cruz$884$74
53Volvo XC40$884$74
54Mazda MX-30$886$74
55Ford F150$888$74
56Volkswagen Atlas$888$74
57Subaru Legacy$890$74
58Jeep Compass$892$74
59Kia Niro$892$74
60Honda Insight$894$75
61Honda Ridgeline$894$75
62Volkswagen Jetta$894$75
63Nissan Sentra$896$75
64Toyota 4Runner$896$75
65Nissan Rogue$900$75
66Jeep Gladiator$902$75
67Toyota Camry$902$75
68Cadillac XT5$904$75
69Ford Escape$904$75
70Kia K5$904$75
71Mercedes-Benz A220$904$75
72Toyota Corolla$904$75
73Kia Rio$906$76
74Volkswagen Passat$906$76
75Honda Civic$910$76

    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.Data last updated on March 24, 2022
    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 $888 per year and ranges from $736 to $2,010 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 $74 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 2022 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.Data last updated on May 19, 2022
    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$2,010$168
    Safe Driver Age 20$1,758$147
    At-fault Accidents Age 40$1,254$105
    Low Deductibles Age 40$1,148$96
    Safe Driver Age 30$934$78
    Safe Driver Age 40$888$74
    Safe Driver Age 50$810$68
    Safe Driver Age 60$794$66
    High Deductibles Age 40$754$63
    Discount Rate Age 40$736$61

    Toyota Corolla insurance rates (compact car)

    Toyota Corolla car insurance rates in New Hampshire range from $750 to $2,026 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $904 per year, or around $75 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 2022 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.Data last updated on May 19, 2022
    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$2,026$169
    Safe Driver Age 20$1,774$148
    At-fault Accidents Age 40$1,280$107
    Low Deductibles Age 40$1,122$94
    Safe Driver Age 30$938$78
    Safe Driver Age 40$904$75
    Safe Driver Age 50$824$69
    Safe Driver Age 60$806$67
    High Deductibles Age 40$790$66
    Discount Rate Age 40$750$63

    Honda Pilot insurance rates (midsize SUV)

    The chart below shows average Honda Pilot insurance rates in New Hampshire. Annual cost ranges from $774 to $2,130 per year for the default driver risk profiles, with average cost being $932 per year, or about $78 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 2022 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.Data last updated on May 19, 2022
    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$2,130$178
    Safe Driver Age 20$1,866$156
    At-fault Accidents Age 40$1,316$110
    Low Deductibles Age 40$1,228$102
    Safe Driver Age 30$984$82
    Safe Driver Age 40$932$78
    Safe Driver Age 50$852$71
    Safe Driver Age 60$836$70
    High Deductibles Age 40$780$65
    Discount Rate Age 40$774$65

    Toyota Camry insurance rates (midsize car)

    Average Toyota Camry insurance rates in New Hampshire range from $752 to $2,048 per year, with the average cost being $902 per year, or about $75 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 2022 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.Data last updated on May 19, 2022
    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$2,048$171
    Safe Driver Age 20$1,796$150
    At-fault Accidents Age 40$1,272$106
    Low Deductibles Age 40$1,180$98
    Safe Driver Age 30$954$80
    Safe Driver Age 40$902$75
    Safe Driver Age 50$822$69
    Safe Driver Age 60$806$67
    High Deductibles Age 40$760$63
    Discount Rate Age 40$752$63

    Ford Mustang insurance rates (sports car)

    The average cost for Ford Mustang insurance in New Hampshire is $970 per year, or around $81 per month. The average rates in the chart below range from $804 to $2,178 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 2022 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.Data last updated on May 19, 2022
    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$2,178$182
    Safe Driver Age 20$1,910$159
    At-fault Accidents Age 40$1,354$113
    Low Deductibles Age 40$1,270$106
    Safe Driver Age 30$1,024$85
    Safe Driver Age 40$970$81
    Safe Driver Age 50$882$74
    Safe Driver Age 60$864$72
    High Deductibles Age 40$812$68
    Discount Rate Age 40$804$67

    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.