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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New Hampshire car insurance

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.

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 August 12, 2023
Average Car Insurance Cost in New Hampshire
Average Car Insurance Cost in New Hampshire
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,056$171
$500$2,426$202
$250$2,818$235
30$1,000$1,078$90
$500$1,286$107
$250$1,502$125
40$1,000$1,028$86
$500$1,218$102
$250$1,418$118
50$1,000$938$78
$500$1,110$93
$250$1,288$107
60$1,000$922$77
$500$1,092$91
$250$1,266$106

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.

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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$1,100-$118
New Hampshire$1,218--
Vermont$1,322$104
Maryland$1,676$458
Pennsylvania$1,732$514
Massachusetts$1,960$742
Connecticut$2,004$786
Delaware$2,044$826
New York$2,084$866
New Jersey$2,178$960
Rhode Island$2,224$1,006

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 August 12, 2023
New Hampshire Car Insurance Rates by Vehicle Segment
New Hampshire Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,110$93
Midsize Pickup$1,152$96
Midsize SUV$1,188$99
Minivan$1,194$100
Compact Car$1,214$101
Midsize Car$1,244$104
Compact Luxury SUV$1,318$110
Half-ton Pickup$1,322$110
Large SUV$1,332$111
Compact Luxury Car$1,344$112
Heavy Duty Pickup$1,402$117
Midsize Luxury SUV$1,416$118
Large Car$1,418$118
Midsize Luxury Car$1,548$129
Sports Car$1,666$139
Large Luxury SUV$1,792$149
Large Luxury Car$1,884$157

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.

Top 75 Cheapest Car Insurance Rates in New Hampshire
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$922$77
2Subaru Crosstrek$930$78
3Nissan Kicks$934$78
4Honda Passport$948$79
5Nissan Rogue Sport$950$79
6Mazda CX-5$958$80
7Buick Encore$970$81
8Buick Envision$974$81
9Kia Seltos$988$82
10Subaru Ascent$992$83
11Hyundai Venue$996$83
12Subaru Impreza$1,008$84
13Ford Maverick$1,014$85
14Honda HR-V$1,014$85
15Chevrolet Colorado$1,016$85
16Acura RDX$1,018$85
17Hyundai Kona$1,022$85
18Subaru Forester$1,030$86
19Ford Edge$1,032$86
20Honda CR-V$1,034$86
21Mazda CX-30$1,036$86
22Ford Explorer$1,038$87
23Volkswagen Atlas$1,042$87
24Nissan Murano$1,046$87
25Chevrolet Trax$1,048$87
26Subaru Outback$1,048$87
27Nissan Frontier$1,054$88
28Volkswagen Tiguan$1,058$88
29Ford Bronco Sport$1,060$88
30Fiat 500X$1,082$90
31Ford Ranger$1,084$90
32GMC Terrain$1,084$90
33Kia Soul$1,086$91
34Mitsubishi Eclipse Cross$1,086$91
35Volkswagen Atlas Cross Sport$1,088$91
36Lexus RX 350$1,092$91
37Acura Integra$1,094$91
38Chevrolet Equinox$1,098$92
39Cadillac XT4$1,100$92
40Toyota Corolla Cross$1,100$92
41Volkswagen Taos$1,106$92
42GMC Canyon$1,108$92
43Mazda CX-50$1,112$93
44Toyota Tacoma$1,112$93
45Toyota Venza$1,112$93
46Honda Odyssey$1,114$93
47Volkswagen Jetta$1,114$93
48Hyundai Tucson$1,118$93
49Kia Sorento$1,118$93
50Ford Escape$1,120$93
51Nissan Rogue$1,122$94
52Subaru Legacy$1,122$94
53Volvo XC40$1,122$94
54Mazda MX-5 Miata$1,126$94
55Infiniti QX50$1,128$94
56Hyundai Palisade$1,130$94
57Toyota RAV4$1,130$94
58Kia Niro$1,132$94
59Mazda MX-30$1,132$94
60Nissan Sentra$1,132$94
61Hyundai Santa Cruz$1,134$95
62Lexus UX 250h$1,140$95
63Mini Cooper$1,140$95
64Chevrolet Tahoe$1,142$95
65Toyota 4Runner$1,142$95
66Jeep Compass$1,144$95
67Toyota Corolla$1,146$96
68Volkswagen Golf$1,146$96
69Toyota Prius$1,150$96
70Cadillac XT5$1,158$97
71Mini Cooper Clubman$1,160$97
72Toyota Camry$1,160$97
73GMC Acadia$1,162$97
74Chevrolet Traverse$1,166$97
75Mazda 3$1,170$98

    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 August 11, 2023
    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 $1,240 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.

    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 August 12, 2023
    Ford F150 Insurance Cost in New Hampshire
    2023 Ford F150 Insurance Cost in New Hampshire
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,792$233
    Safe Driver Age 20$2,450$204
    At-fault Accidents Age 40$1,740$145
    Low Deductibles Age 40$1,614$135
    Safe Driver Age 30$1,306$109
    Safe Driver Age 40$1,240$103
    Safe Driver Age 50$1,128$94
    Safe Driver Age 60$1,106$92
    High Deductibles Age 40$1,044$87
    Discount Rate Age 40$1,030$86

    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.

    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 August 11, 2023
    Toyota Corolla Insurance Cost in New Hampshire
    2023 Toyota Corolla Insurance Cost in New Hampshire
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,578$215
    Safe Driver Age 20$2,262$189
    At-fault Accidents Age 40$1,612$134
    Low Deductibles Age 40$1,476$123
    Safe Driver Age 30$1,202$100
    Safe Driver Age 40$1,146$96
    Safe Driver Age 50$1,040$87
    Safe Driver Age 60$1,020$85
    High Deductibles Age 40$976$81
    Discount Rate Age 40$950$79

    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.

    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 August 12, 2023
    Honda Pilot Insurance Cost in New Hampshire
    2023 Honda Pilot Insurance Cost in New Hampshire
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,682$224
    Safe Driver Age 20$2,350$196
    At-fault Accidents Age 40$1,656$138
    Low Deductibles Age 40$1,544$129
    Safe Driver Age 30$1,240$103
    Safe Driver Age 40$1,172$98
    Safe Driver Age 50$1,068$89
    Safe Driver Age 60$1,050$88
    High Deductibles Age 40$982$82
    Discount Rate Age 40$974$81

    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.

    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 August 12, 2023
    Toyota Camry Insurance Cost in New Hampshire
    2023 Toyota Camry Insurance Cost in New Hampshire
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,626$219
    Safe Driver Age 20$2,304$192
    At-fault Accidents Age 40$1,632$136
    Low Deductibles Age 40$1,516$126
    Safe Driver Age 30$1,222$102
    Safe Driver Age 40$1,160$97
    Safe Driver Age 50$1,054$88
    Safe Driver Age 60$1,036$86
    High Deductibles Age 40$974$81
    Discount Rate Age 40$964$80

    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.

    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 August 11, 2023
    Ford Mustang Insurance Cost in New Hampshire
    2023 Ford Mustang Insurance Cost in New Hampshire
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,982$249
    Safe Driver Age 20$2,612$218
    At-fault Accidents Age 40$1,860$155
    Low Deductibles Age 40$1,712$143
    Safe Driver Age 30$1,392$116
    Safe Driver Age 40$1,322$110
    Safe Driver Age 50$1,202$100
    Safe Driver Age 60$1,178$98
    High Deductibles Age 40$1,120$93
    Discount Rate Age 40$1,096$91

    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.