Find Cheaper New Hampshire Car Insurance Rates in 2024
Enter your New Hampshire zip code below to view companies that have cheap auto insurance rates.
Average auto insurance rates in New Hampshire for 2024 are $1,014 annually for full coverage insurance. Comprehensive insurance, collision insurance, and liability coverage cost around $226, $412, and $262, respectively. Manchester, Pinardville, and South Hooksett tend to have higher auto insurance rates, and the three companies who insure the most vehicles in New Hampshire are Geico, State Farm, and Progressive.
Average rate for full coverage: $1,014
Price estimates for individual coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Average Price Range for Car Insurance in New Hampshire
For a driver around age 40, New Hampshire insurance prices range from as cheap as $310 for just the minimum liability insurance to a high rate of $2,188 for a high-risk insurance policy.
These price ranges illustrate why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than using rates averaged for all U.S. states.
Use the form below to get accurate rates for your location.
Enter your New Hampshire zip code below to view companies that have cheap auto insurance rates.
Recommended Companies for Cheap New Hampshire Insurance
The chart estimates New Hampshire car insurance prices for various situations. The cheapest price with discounts is $582. Drivers choosing higher $1,000 deductibles will pay about $870. The average price for a driver age 40 with no violations using $500 deductibles is $1,014. Using lower $100 deductibles for physical damage coverage could cause an increase to $1,294. If you have multiple accidents and violations you could be charged at least $2,188. The policy rate for full coverage for a 16-year-old driver can get as high as $3,726.
Insurance prices in New Hampshire are also quite variable based on the make and model of your vehicle, your risk profile, and deductibles and policy limits.
Your choice of vehicle has a significant impact on the price of car insurance in New Hampshire. Choosing to drive a more affordable and safer vehicle will save money on insurance because of lower cost for replacement parts and lower severity of accident injuries. The next table shows auto insurance estimates for the best selling vehicles insured in New Hampshire.
| Make and Model | Premium | % to Avg |
|---|---|---|
| Chevrolet Silverado | $1,072 | 5.4% |
| Dodge Ram | $1,102 | 8% |
| Ford Escape | $844 | -20.1% |
| Ford Focus | $980 | -3.5% |
| Ford Fusion | $1,074 | 5.6% |
| Ford F-150 | $952 | -6.5% |
| GMC Acadia | $932 | -8.8% |
| GMC Sierra | $1,052 | 3.6% |
| Honda Accord | $944 | -7.4% |
| Honda Civic | $1,108 | 8.5% |
| Honda CR-V | $822 | -23.4% |
| Honda Pilot | $962 | -5.4% |
| Hyundai Sonata | $1,030 | 1.6% |
| Kia Optima | $1,050 | 3.4% |
| Nissan Altima | $1,042 | 2.7% |
| Nissan Rogue | $1,020 | 0.6% |
| Toyota Camry | $1,032 | 1.7% |
| Toyota Corolla | $1,010 | -0.4% |
| Toyota Prius | $942 | -7.6% |
| Toyota RAV4 | $954 | -6.3% |
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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The company you buy your policy from definitely affects the cost of coverage. In each state, every insurer has a slightly different rate calculation, and prices can range greatly based on indivdual risk characteristics.
In New Hampshire, auto insurance prices range from $698 with Concord to as high as $6,010 with Nationwide. Other companies like Travelers, Patriot, and USAA generally fall somewhere towards the middle. Those most likely are not the exact rates you would pay, as your vehicle make and model, your driving history, and your location in New Hampshire have to be factored in.
| Rank | Company | Market Share | Average Rate |
|---|---|---|---|
| 1 | Geico | 12.90% | $1,414 |
| 2 | State Farm | 12.88% | $1,122 |
| 3 | Progressive | 12.07% | $1,064 |
| 4 | Liberty Mutual | 12.07% | $1,371 |
| 5 | Allstate | 9.70% | $1,813 |
| 6 | USAA | 5.10% | $837 |
| 7 | Amica Mutual | 3.69% | $898 |
| 8 | Concord | 3.45% | $698 |
| 9 | Metropolitan | 3.08% | $1,266 |
| 10 | The Hanover | 2.64% | $2,127 |
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $3,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $1,200 to $1,600 additional each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $430 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $236 more each year. View Rates by Deductible or Liability Limit
The area you live in plays a big part in determining prices for auto insurance rates. Areas with less traffic congestion may have rates around $800 a year, while Manchester and Pinardville may have prices as high as $1,400. Geographically different areas within a few miles of each other in the same city can have a wide range of rates.
These geographic rate differences emphasize the significance of getting rates based on where you live in New Hampshire.
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and rates may be quite different between companies.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,726 |
| 20 | $2,340 |
| 30 | $1,062 |
| 40 | $1,014 |
| 50 | $924 |
| 60 | $908 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,294 |
| $250 | $1,164 |
| $500 | $1,014 |
| $1,000 | $870 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,014 |
| 50/100 | $1,066 |
| 100/300 | $1,132 |
| 250/500 | $1,302 |
| 100 CSL | $1,093 |
| 300 CSL | $1,237 |
| 500 CSL | $1,342 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,326 |
| 20 | $3,716 |
| 30 | $2,240 |
| 40 | $2,188 |
| 50 | $2,084 |
| 60 | $2,066 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $54 |
| Multi-vehicle | $52 |
| Homeowner | $14 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $48 |
| Advance Quote | $51 |
| Online Quote | $72 |
| Total Discounts | $432 |
Discounts are estimated and may not be available from every company or in every state.
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