New Hampshire Car Insurance Quotes & Average Rates
Full coverage car insurance in New Hampshire is estimated at $1,286 a year, or $107 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $423 a year. New Hampshire is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 14 New Hampshire cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — New Hampshire
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in New Hampshire
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $977 | $81 | -24% | Military members and families only |
| Geico | $1,055 | $88 | -18% | Usually cheapest for clean records |
| State Farm | $1,132 | $94 | -12% | Strong for young and student drivers |
| Progressive | $1,222 | $102 | -5% | Competitive after a ticket or accident |
| Travelers | $1,247 | $104 | -3% | Good multi-policy discounts |
| Nationwide | $1,286 | $107 | 0% | Mid-market, wide availability |
| Allstate | $1,466 | $122 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $1,556 | $130 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in New Hampshire. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
New Hampshire car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $3,474 | $1,142 | $290 |
| 18 years old | $2,930 | $963 | $244 |
| 20 years old | $2,427 | $797 | $202 |
| 22 years old | $2,016 | $662 | $168 |
| 25 years old | $1,538 | $505 | $128 |
| 30 years old | $1,326 | $436 | $111 |
| 40 years old | $1,246 | $410 | $104 |
| 50 years old | $1,193 | $392 | $99 |
| 60 years old | $1,180 | $388 | $98 |
| 65 years old | $1,233 | $405 | $103 |
| 70 years old | $1,353 | $444 | $113 |
| 75 years old | $1,578 | $518 | $131 |
Estimated premiums by age in New Hampshire, clean record, sedan.
How violations change your New Hampshire premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,286 | — |
| 1 speeding ticket | $1,582 | +23% |
| 1 at-fault accident | $1,891 | +47% |
| DUI / DWI | $2,431 | +89% |
What a violation costs a 35-year-old in New Hampshire. Surcharges normally stay on the policy for three to five years.
A DUI in New Hampshire usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
New Hampshire minimum insurance requirements
| Required coverage in New Hampshire | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $25,000 |
| Liability not mandatory; if purchased, these limits apply | Required |
| Medical payments $1,000 | Required |
| Uninsured motorist | Required |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the New Hampshire Department of Insurance before you buy.
Coverage levels in New Hampshire
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $423 | $35 |
| Full coverage (100/300/100 + comp & collision) | $1,286 | $107 |
| Full coverage, high limits + low deductible | $1,531 | $128 |
Coverage level comparison for New Hampshire.
Car insurance rates in New Hampshire cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 14 New Hampshire cities we price.