Car Insurance in New Hampshire (NH)
The average car insurance premium in New Hampshire is $1,200 per year ($100/month), making it the #47 most expensive state for car insurance. This is $700 (37%) below the national average of $1,900. At-fault state. No mandatory insurance requirement (financial responsibility only). Low crime and rural character keep rates low. Within New Hampshire, rates range from $1,200/yr in Concord to $1,350/yr in Manchester.
Car Insurance Rates by City in New Hampshire
The table below shows average car insurance premiums for 3 major cities in New Hampshire, sorted by cost from highest to lowest. Urban areas typically have higher rates than the state average due to increased traffic congestion, higher theft rates, and more frequent accidents.
| City | Avg. Annual | Avg. Monthly | vs. State Avg | vs. National Avg |
|---|---|---|---|---|
| Manchester Highest | $1,350 | $113 | +$150 | -$550 |
| Nashua | $1,300 | $108 | +$100 | -$600 |
| Concord Lowest | $1,200 | $100 | Same | -$700 |
How New Hampshire Compares to Other States
Below is a comparison of New Hampshire with five states that have similar average car insurance premiums. This helps illustrate where New Hampshire stands relative to comparable states.
| State | Avg. Annual | Monthly | Min Coverage | Full Coverage |
|---|---|---|---|---|
| New Hampshire (NH) | $1,200 | $100 | $600 | $1,560 |
| Hawaii (HI) | $1,200 | $100 | $600 | $1,560 |
| Ohio (OH) | $1,200 | $100 | $600 | $1,560 |
| Iowa (IA) | $1,300 | $108 | $650 | $1,690 |
| Vermont (VT) | $1,100 | $92 | $550 | $1,430 |
| Wisconsin (WI) | $1,300 | $108 | $650 | $1,690 |
Frequently Asked Questions About Car Insurance in New Hampshire
How much is car insurance in New Hampshire?
The average car insurance premium in New Hampshire is $1,200 per year, or about $100 per month. This is $700 below the national average of $1,900/year. Minimum coverage averages $600/year, while full coverage averages $1,560/year. Your actual rate will depend on your driving record, age, vehicle, and coverage level.
Is New Hampshire a no-fault or at-fault insurance state?
New Hampshire is an at-fault insurance state. This means that the driver who caused the accident is responsible for paying damages through their liability coverage. At-fault states generally have lower premiums than no-fault states because they don't require mandatory Personal Injury Protection (PIP) coverage. However, other factors like uninsured driver rates, urban density, and weather conditions also affect rates.
What is the cheapest car insurance in New Hampshire?
The cheapest option in New Hampshire is minimum liability coverage, which averages $600 per year ($50/month). However, minimum coverage only pays for damage you cause to others and does not cover your own vehicle. To get the cheapest rates, maintain a clean driving record, increase your deductible, ask about discounts (bundling, good student, safe driver), and compare quotes from at least 3-5 insurers. Among major cities, Concord has the lowest average at $1,200/year.
Which city in New Hampshire has the highest car insurance rates?
Manchester has the highest average car insurance premium in New Hampshire at $1,350 per year ($113/month). This is $150 more than the state average. Urban areas like Manchester typically have higher rates due to increased traffic congestion, higher crime rates, and more frequent accidents.
How can I lower my car insurance rate in New Hampshire?
To lower your car insurance in New Hampshire: (1) Compare quotes from at least 3-5 insurance companies, as rates vary significantly between insurers. (2) Increase your deductible from $500 to $1,000 or higher to lower your premium. (3) Ask about discounts -- bundling home and auto, good student, safe driver, low mileage, and military discounts can save 5-25% each. (4) Maintain a clean driving record, as accidents and tickets can increase rates 20-50%. (5) Improve your credit score, as most states allow credit-based insurance scoring. (6) Consider usage-based insurance programs that track your driving habits for additional savings.
Find Your Car Insurance Rate
Use our car insurance rate lookup tool to find average rates for your specific city in New Hampshire, or browse all 50 states to compare car insurance costs across the country. Remember that individual rates vary based on driving record, age, vehicle, and coverage level -- these are state-level averages for general comparison.