- New Hampshire car insurance rates average $1,218 per year for full coverage, or about $102 per month.
- 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 Subaru Forester, Mazda CX-5, and Subaru Crosstrek.
How much does car insurance cost in New Hampshire?
The average annual cost of car insurance in New Hampshire is $1,218, which is 34.6% less than the national average rate of $1,728. Car insurance cost per month averages around $102 for full coverage.
Car insurance cost on some of the most popular vehicles in New Hampshire include the Honda CR-V at $1,034 per year, the Toyota Camry at $1,160 per year, the Honda Accord at $1,232 per year, and the Hyundai Tucson at $1,118 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.
The average cost of car insurance for the above data ranges from $922 per year for a 60-year-old driver with a high deductible policy to $2,818 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 $3,070 per year for a 19-year-old female driver up to as much as $4,368 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 $3,630 to $4,082 per year for 17-year-olds and $3,310 to $3,814 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 $324 for a 40-year-old driver.
- Increasing physical damage deductibles from $100 to $1,000 could save $562 or more each year.
- Having an at-fault accident could cause your car insurance rates to increase by as much as $504 each year.
- Bundling your car and homeowners insurance with the same company could save an average of $160 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 $188 per year on car insurance.
How affordable is New Hampshire car insurance?
When compared to other northeastern states, New Hampshire car insurance rates are 10.2% more expensive than Maine, 46.7% cheaper than Massachusetts, 58.5% cheaper than Rhode Island, 48.8% cheaper than Connecticut, and 8.2% cheaper than Vermont.
For other parts of the country, the average cost of auto insurance in New Hampshire is 40.7% cheaper than Georgia, 26.2% lower than Illinois, 31.7% cheaper than Texas, 58.5% cheaper than Florida, and 32.1% 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.
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.
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 $81 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 $1,034 or less per year, or about $86 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 $1,094 per year in New Hampshire, which is about the equivalent of $91 per month.
The table below shows the top 75 cheapest vehicles to insure in New Hampshire from the 2023 model 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 $1,240 per year and ranges from $1,030 to $2,792 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 $103 per month in New Hampshire.
Other popular full-size pickup models include the Ram Truck, Toyota Tundra, Chevrolet Silverado, Nissan Titan, and GMC Sierra.
Toyota Corolla insurance rates (compact car)
Toyota Corolla car insurance rates in New Hampshire range from $950 to $2,578 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $1,146 per year, or around $96 per month, in New Hampshire.
Additional popular compact car models include the Nissan Sentra, Hyundai Elantra, Honda Civic, Volkswagen Jetta, and Chevrolet Cruze.
Honda Pilot insurance rates (midsize SUV)
The chart below shows average Honda Pilot insurance rates in New Hampshire. Annual cost ranges from $974 to $2,682 per year for the default driver risk profiles, with average cost being $1,172 per year, or about $98 per month.
Other popular midsize SUV models in New Hampshire include the Ford Edge, Kia Sorento, Jeep Grand Cherokee, Toyota Highlander, and Kia Telluride.
Toyota Camry insurance rates (midsize car)
Average Toyota Camry insurance rates in New Hampshire range from $964 to $2,626 per year, with the average cost being $1,160 per year, or about $97 per month.
Other popular midsize sedan models include the Hyundai Sonata, Kia K5, Honda Accord, Chevrolet Malibu, and Nissan Altima.
Ford Mustang insurance rates (sports car)
The average cost for Ford Mustang insurance in New Hampshire is $1,322 per year, or around $110 per month. The average rates in the chart below range from $1,096 to $2,982 per year.
Other popular sports car models in New Hampshire include the Nissan 370Z, Subaru BRZ, Chevrolet Corvette, Toyota Supra, and Chevrolet Camaro.
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.
- Manchester Car Insurance - $1,372 per year or $114 per month
- Nashua Car Insurance - $1,268 per year or $106 per month
- Concord Car Insurance - $1,146 per year or $96 per month
- Dover Car Insurance - $1,226 per year or $102 per month
- Rochester Car Insurance - $1,178 per year or $98 per month
- Keene Car Insurance - $1,172 per year or $98 per month
- Portsmouth Car Insurance - $1,224 per year or $102 per month