New Hampshire Car Insurance Cost for 2023

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 $1,182, which is 29.9% less than the national average rate of $1,685. Car insurance cost per month averages around $99 for full coverage.

Car insurance cost on some of the most popular vehicles in New Hampshire include the Honda CR-V at $1,000 per year, the Toyota Camry at $1,122 per year, the Honda Accord at $1,192 per year, and the Hyundai Tucson at $1,080 per year.

The chart below shows average car insurance rates in New Hampshire for 2023 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 2023 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 December 30, 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$1,990$166
$500$2,350$196
$250$2,730$228
30$1,000$1,042$87
$500$1,244$104
$250$1,452$121
40$1,000$998$83
$500$1,182$99
$250$1,374$115
50$1,000$908$76
$500$1,074$90
$250$1,248$104
60$1,000$892$74
$500$1,056$88
$250$1,226$102

The average cost of car insurance for the above data ranges from $892 per year for a 60-year-old driver with a high deductible policy to $2,730 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 $2,976 per year for a 19-year-old female driver up to as much as $4,230 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 $3,514 to $3,956 per year for 17-year-olds and $3,206 to $3,694 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 $312 for a 40-year-old driver.
  • Increasing physical damage deductibles from $100 to $1,000 could save $542 or more each year.
  • Having an at-fault accident could cause your car insurance rates to increase by as much as $484 each year.
  • Bundling your car and homeowners insurance with the same company could save an average of $154 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 $182 per year on car insurance.

How affordable is New Hampshire car insurance?

When compared to other northeastern states, New Hampshire car insurance rates are 11.3% more expensive than Maine, 38.5% cheaper than Massachusetts, 45.9% cheaper than Rhode Island, 39.9% cheaper than Connecticut, and 7.7% cheaper than Vermont.

For other parts of the country, the average cost of auto insurance in New Hampshire is 34.4% cheaper than Georgia, 23.5% lower than Illinois, 27.8% cheaper than Texas, 46.2% cheaper than Florida, and 28.3% 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.

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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$1,062-$120
New Hampshire$1,182--
Vermont$1,280$98
Maryland$1,638$456
Pennsylvania$1,694$512
Massachusetts$1,922$740
Connecticut$1,966$784
Delaware$2,008$826
New York$2,042$860
New Jersey$2,136$954
Rhode Island$2,186$1,004

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 2023 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 December 30, 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$1,072$89
Midsize Pickup$1,114$93
Midsize SUV$1,152$96
Minivan$1,158$97
Compact Car$1,176$98
Midsize Car$1,206$101
Compact Luxury SUV$1,276$106
Half-ton Pickup$1,280$107
Large SUV$1,290$108
Compact Luxury Car$1,300$108
Heavy Duty Pickup$1,356$113
Large Car$1,370$114
Midsize Luxury SUV$1,372$114
Midsize Luxury Car$1,500$125
Sports Car$1,614$135
Large Luxury SUV$1,734$145
Large Luxury Car$1,822$152

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 Nissan Kicks, Chevrolet Trailblazer, and Buick Envision.

Average auto insurance quotes for those vehicles cost $79 or less per month for full coverage.

Other vehicles that are highly ranked in our insurance cost comparison are the Subaru Ascent, Hyundai Kona, Honda CR-V, and Hyundai Venue. The average rates are somewhat higher for those models than the ones at the top of list, but they still have average rates of $1,000 or less per year, or about $83 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, Acura TLX, Acura RDX, Lexus RX 350, and Cadillac XT4.

Rates for those luxury models start at around $1,060 per year in New Hampshire, which is about the equivalent of $88 per month.

The table below shows the top 75 cheapest vehicles to insure in New Hampshire from the 2023 model year.

Top 75 Cheapest Car Insurance Rates in New Hampshire
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$892$74
2Subaru Crosstrek$902$75
3Nissan Kicks$904$75
4Honda Passport$918$77
5Nissan Rogue Sport$922$77
6Mazda CX-5$926$77
7Buick Encore$942$79
8Buick Envision$944$79
9Kia Seltos$956$80
10Subaru Ascent$960$80
11Hyundai Venue$962$80
12Ford Maverick$980$82
13Honda HR-V$980$82
14Subaru Impreza$980$82
15Chevrolet Colorado$982$82
16Acura RDX$986$82
17Hyundai Kona$990$83
18Subaru Forester$994$83
19Ford Edge$1,000$83
20Honda CR-V$1,000$83
21Mazda CX-30$1,004$84
22Ford Explorer$1,006$84
23Volkswagen Atlas$1,008$84
24Chevrolet Trax$1,012$84
25Nissan Murano$1,014$85
26Subaru Outback$1,016$85
27Nissan Frontier$1,020$85
28Volkswagen Tiguan$1,026$86
29Ford Bronco Sport$1,028$86
30Fiat 500X$1,046$87
31Ford Ranger$1,048$87
32GMC Terrain$1,048$87
33Kia Soul$1,048$87
34Mitsubishi Eclipse Cross$1,054$88
35Volkswagen Atlas Cross Sport$1,054$88
36Lexus RX 350$1,056$88
37Acura Integra$1,060$88
38Chevrolet Equinox$1,062$89
39Cadillac XT4$1,066$89
40Toyota Corolla Cross$1,066$89
41Volkswagen Taos$1,070$89
42GMC Canyon$1,072$89
43Mazda CX-50$1,076$90
44Toyota Venza$1,076$90
45Toyota Tacoma$1,078$90
46Volkswagen Jetta$1,078$90
47Honda Odyssey$1,080$90
48Hyundai Tucson$1,080$90
49Kia Sorento$1,082$90
50Ford Escape$1,084$90
51Nissan Rogue$1,086$91
52Volvo XC40$1,086$91
53Subaru Legacy$1,088$91
54Mazda MX-5 Miata$1,092$91
55Infiniti QX50$1,094$91
56Mazda MX-30$1,094$91
57Toyota RAV4$1,094$91
58Hyundai Santa Cruz$1,096$91
59Kia Niro$1,096$91
60Nissan Sentra$1,096$91
61Hyundai Palisade$1,098$92
62Lexus UX 250h$1,104$92
63Mini Cooper$1,104$92
64Chevrolet Tahoe$1,106$92
65Jeep Compass$1,106$92
66Toyota 4Runner$1,106$92
67Toyota Corolla$1,108$92
68Volkswagen Golf$1,110$93
69Toyota Prius$1,114$93
70Cadillac XT5$1,122$94
71Mini Cooper Clubman$1,122$94
72Toyota Camry$1,122$94
73GMC Acadia$1,126$94
74Chevrolet Traverse$1,128$94
75Mazda 3$1,130$94

    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 December 29, 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 $1,202 per year and ranges from $996 to $2,708 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 $100 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 2023 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 December 30, 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$2,708$226
    Safe Driver Age 20$2,370$198
    At-fault Accidents Age 40$1,688$141
    Low Deductibles Age 40$1,562$130
    Safe Driver Age 30$1,266$106
    Safe Driver Age 40$1,202$100
    Safe Driver Age 50$1,092$91
    Safe Driver Age 60$1,070$89
    High Deductibles Age 40$1,014$85
    Discount Rate Age 40$996$83

    Toyota Corolla insurance rates (compact car)

    Toyota Corolla car insurance rates in New Hampshire range from $920 to $2,498 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $1,108 per year, or around $92 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 2023 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 December 30, 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$2,498$208
    Safe Driver Age 20$2,188$182
    At-fault Accidents Age 40$1,562$130
    Low Deductibles Age 40$1,428$119
    Safe Driver Age 30$1,164$97
    Safe Driver Age 40$1,108$92
    Safe Driver Age 50$1,008$84
    Safe Driver Age 60$990$83
    High Deductibles Age 40$942$79
    Discount Rate Age 40$920$77

    Honda Pilot insurance rates (midsize SUV)

    The chart below shows average Honda Pilot insurance rates in New Hampshire. Annual cost ranges from $944 to $2,598 per year for the default driver risk profiles, with average cost being $1,134 per year, or about $95 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 2023 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 December 30, 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$2,598$217
    Safe Driver Age 20$2,274$190
    At-fault Accidents Age 40$1,604$134
    Low Deductibles Age 40$1,496$125
    Safe Driver Age 30$1,200$100
    Safe Driver Age 40$1,134$95
    Safe Driver Age 50$1,038$87
    Safe Driver Age 60$1,018$85
    High Deductibles Age 40$952$79
    Discount Rate Age 40$944$79

    Toyota Camry insurance rates (midsize car)

    Average Toyota Camry insurance rates in New Hampshire range from $934 to $2,542 per year, with the average cost being $1,122 per year, or about $94 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 2023 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 December 30, 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$2,542$212
    Safe Driver Age 20$2,228$186
    At-fault Accidents Age 40$1,580$132
    Low Deductibles Age 40$1,470$123
    Safe Driver Age 30$1,182$99
    Safe Driver Age 40$1,122$94
    Safe Driver Age 50$1,022$85
    Safe Driver Age 60$1,002$84
    High Deductibles Age 40$946$79
    Discount Rate Age 40$934$78

    Ford Mustang insurance rates (sports car)

    The average cost for Ford Mustang insurance in New Hampshire is $1,280 per year, or around $107 per month. The average rates in the chart below range from $1,062 to $2,886 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 2023 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 December 30, 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$2,886$241
    Safe Driver Age 20$2,532$211
    At-fault Accidents Age 40$1,800$150
    Low Deductibles Age 40$1,656$138
    Safe Driver Age 30$1,346$112
    Safe Driver Age 40$1,280$107
    Safe Driver Age 50$1,162$97
    Safe Driver Age 60$1,140$95
    High Deductibles Age 40$1,084$90
    Discount Rate Age 40$1,062$89

    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.