Average Cost of Car Insurance in New Hampshire

There are many reasons to purchase an auto insurance policy in New Hampshire, even though you don’t technically need one. Auto insurance protects you in the event of any accident that incurs costs, including medical bills and property damage.¹ Read on to see what you should expect to pay for an auto insurance policy if you live or garage your insured vehicle in New Hampshire.

By Age

In general — and in New Hampshire — teenagers pay more for auto insurance than any other age group. Teen drivers pay more for auto insurance because they have little driving experience, which results in higher risk and more accidents.

By Gender

It is legal to determine car insurance rates based on sex in New Hampshire, and men typically pay more.

By Marital Status

Young, single people tend to pay higher rates for auto insurance.² When you get married, your auto insurance rate may decrease; plus, some auto insurance companies offer discounts for married couples.

By Coverage Level

How much you pay for auto insurance is dependent upon how much coverage you purchase. Learn more about full coverage versus liability coverage here.

By Credit Score

A poor credit score can more than double your auto insurance rate in New Hampshire. Most insurance companies consider credit score, unless you use a telematics or pay-per-mile auto insurance provider.

By Violation

Safe driving can keep your auto insurance premium from skyrocketing. Don’t speed, don’t drive recklessly, and don’t drive under the influence.

By Company

Rates vary based on your auto insurance provider, which is why you should always compare auto insurance quotes when you shop for a policy.

If you want the best cheap car insurance policy, check the chart below to find the best fit for your circumstances.

Car insurance in New Hampshire is quite cheap, but if you want to make sure you’re getting the best deal, then consider the following:

• Raise your deductible
• Lower your limits
• Drop coverages
• Ask for car insurance discounts
• Bundle your policies

The state does not have a car insurance requirement, but your financial responsibility requirements equal the following liability limits:

• $25,000 per person for bodily injury
• Up to $50,000 if two or more persons are hurt
• Up to $25,000 for property damage liability

In New Hampshire, if you buy auto insurance for personal use, you must also buy at least $1,000 of medical payments coverage and uninsured motorist coverage equal to your auto liability coverage.

New Hampshire is an at-fault state, meaning the driver who causes an accident pays for the other party’s property damages and bodily injuries — whether through their auto insurance policy or out of pocket. The victim can sue the at-fault party for monetary damages, provided the victim is less than 50 percent responsible for the accident.

While New Hampshire doesn’t require proof of insurance for the average driver, the DMV might require it if the court suspends or revokes your license. To file this proof of insurance with the DMV, you must go through your insurance carrier to submit an SR-22 certificate. Convictions that require filing an SR-22 are DWI, leaving the scene of an accident, and a subsequent/second reckless driving offense.³

You can drive at your own risk in New Hampshire — but don’t write off getting a policy. New Hampshire’s fault laws could leave you paying for damages out of pocket if you don’t have coverage.

We use a combination of proprietary data and industry research, including New Hampshire’s insurance requirements and driving laws, to build our state guides.