New Hampshire Car Insurance Calculator
Calculate your auto insurance cost in New Hampshire. Compare with state averages and find savings.
$1,189
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$99
Full Coverage
$1,534
Min Coverage
$412
Uninsured Rate
6.1%
New Hampshire Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristRequired
Med Pay RequiredYes
Factors Affecting Car Insurance Rates in New Hampshire
No mandatory insurance lawLow populationWinter weather
Major Metro Areas in New Hampshire
ManchesterNashuaConcordDoverRochester
FAQ
New Hampshire Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in New Hampshire
The average annual car insurance premium in New Hampshire is $1,189, or about $99 per month. Full coverage averages $1,534 annually, while minimum coverage averages $412. Your actual rate depends on your age, driving record, vehicle, and coverage level.
New Hampshire requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage). Uninsured motorist coverage is also required.
Key factors affecting New Hampshire car insurance rates include: No mandatory insurance law, Low population, Winter weather. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 6.1% of drivers in New Hampshire are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your New Hampshire car insurance: 1) Compare quotes from multiple insurers like GEICO, State Farm, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in New Hampshire include: GEICO, State Farm, Progressive, Liberty Mutual, Allstate. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
NH Insurance Costs
Average premiums in New Hampshire:
- Annual Average$1,189
- Monthly Average$99
- Full Coverage$1,534
- Minimum Coverage$412
NH Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredNo
- UM RequiredYes
- Uninsured Rate6.1%
Top NH Insurers
Popular insurance companies:
- •GEICO
- •State Farm
- •Progressive
- •Liberty Mutual
- •Allstate