Average car insurance cost in New Hampshire
New Hampshire is one of the cheapest states in the country for car insurance, ranking #4 of 51. Drivers here pay about 36% less than the national average — roughly $888 a year back in your pocket compared with a typical American driver.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How New Hampshire compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in New Hampshire next to nearby states:
| State | Full coverage /mo | Difference vs NH |
|---|---|---|
| New Hampshire | $134 | — |
| Vermont | $128 | −$6/mo |
| Maine | $129 | −$5/mo |
| Massachusetts | $181 | +$47/mo |
New Hampshire car insurance FAQ
How much is car insurance in New Hampshire?
Full-coverage car insurance in New Hampshire averages $134 per month ($1,608 per year). A state-minimum liability policy averages $55 per month ($660 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in New Hampshire more expensive than average?
No. New Hampshire's full-coverage average of $134/month is about 36% below the U.S. average of $208/month, ranking #4 of 51 (1 = cheapest).
Is New Hampshire a no-fault state?
No. New Hampshire is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in New Hampshire?
Minimum liability in New Hampshire averages $55/month versus $134/month for full coverage — a gap of $79/month, or $948/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.