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How Much is New Hampshire Auto Insurance?

Enter your New Hampshire zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2019

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Deciding which company quotes the cheapest insurance rates in New Hampshire calls for a little more work than just quoting one company’s rates. Every car insurance company has a unique formula to determine premium rates, so let’s take a look at the insurance companies that tend to be cheaper in New Hampshire.

We do need to point out that New Hampshire insurance rates are calculated based on many things which can substantially change the price of your policy. Getting older, moving across town, or getting a driving violation may prompt premium changes that can now make some companies cheaper than competitors.

Enter your zip code below to view companies that have cheap auto insurance rates.

Concord may offer some of the cheapest car insurance rates in New Hampshire at around $684 annually. Travelers, Patriot, USAA, and Vermont Mutual would also be considered some of the best New Hampshire car insurance companies.

As illustrated above, if you are a customer of USAA and switched to Concord, you might achieve savings of upwards of $161. Policyholders with Vermont Mutual might save as much as $180 a year, and Amica insureds might lower prices by $232 a year.

Bear in mind that those estimates are averaged across all ages of drivers and types of vehicles and are not factoring in a price discount in New Hampshire. So the insurer that fits your needs best may not even be in the above rate chart. That underscores the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cost and performance of the vehicle to be insured is one of the main factors when shopping around for New Hampshire auto insurance. Vehicles with high performance, a lack of safety features, or a track record of large liability claims will cost much more to insure than more economical and safe models.

The next lists showcases insurance premiums for the more affordable automobiles to insure.

Insurance Rates for Popular Cars in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $748 $374 $62
Ford Focus SES 4-Dr Sedan $778 $389 $65
Honda Accord EX 4-Dr Sedan $632 $316 $53
Hyundai Elantra GLS 4-Dr Sedan $794 $397 $66
Hyundai Sonata GLS 4-Dr Sedan $796 $398 $66
Kia Optima LX $796 $398 $66
Nissan Altima 2.5 4-Dr Sedan $748 $374 $62
Toyota Corolla XRS $810 $405 $68
Volkswagen Jetta SE 4-Dr Sedan $810 $405 $68
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in your specific New Hampshire location which can increase or decrease coverage prices greatly.

Auto Insurance Rates for Popular SUVs and Crossovers in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Buick Enclave XL 2WD $810 $405 $68
Chevrolet Suburban LTZ 4WD $828 $414 $69
Chevrolet Traverse LTZ AWD $710 $355 $59
Ford Escape XLT 2WD $632 $316 $53
Ford Explorer XLT AWD $702 $351 $59
GMC Acadia SLT 2WD $748 $374 $62
Honda CR-V EX 4WD $648 $324 $54
Honda Pilot Touring 2WD $764 $382 $64
Jeep Grand Cherokee Laredo 2WD $748 $374 $62
Jeep Patriot Sport 2WD $686 $343 $57
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $810 $405 $68
Lexus RX 350 2WD $922 $461 $77
Toyota Highlander SE 4WD $828 $414 $69
Toyota RAV4 Limited 2WD $748 $374 $62
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in your specific New Hampshire location which can modify premiums significantly.

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Insurance Rates for Popular Pickup Trucks in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT 2WD $670 $335 $56
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $844 $422 $70
Chevrolet Silverado LT Regular Cab $796 $398 $66
Dodge Ram Quad Cab SLT 4WD $812 $406 $68
Ford F-150 XL Regular Cab 2WD $642 $321 $54
Ford F-250 Lariat Super Cab 2WD $922 $461 $77
Ford F-350 Super Cab Harley Turbo Diesel 2WD $890 $445 $74
GMC Sierra 3500HD SLE Regular Cab 4WD $966 $483 $81
GMC Sierra SLE Extended Cab 4WD $810 $405 $68
Toyota Tundra Limited Crew MAX 4WD $876 $438 $73
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in vehicle garaging location which can alter premium rates substantially.

For drivers in New Hampshire, one of the largest criteria that are used to help calculate the cost of insurance is your zip code in New Hampshire. Areas with a lot of weather claims or more people like Manchester, South Hooksett, and Derry are more likely to pay higher prices, whereas less populated areas benefit from lower rates.

The illustration below sorts the most expensive places in New Hampshire to purchase a policy in.

Car insurance prices in New Hampshire
Rank City Annual Premium
1 Manchester $1,289
2 Pinardville $1,213
3 South Hooksett $1,204
4 Hudson $1,154
5 Derry $1,152
6 Berlin $1,140
7 Nashua $1,137
8 Londonderry $1,125
9 Claremont $1,114
10 Durham $1,113
11 Hampton $1,112
12 Exeter $1,111
13 Portsmouth $1,106
14 Laconia $1,098
15 Milford $1,096
16 Somersworth $1,094
17 Rochester $1,087
18 Newmarket $1,083
19 Lebanon $1,072
20 Franklin $1,069
21 Dover $1,068
22 Hanover $1,041
23 Suncook $1,035
24 Concord $1,016
25 Keene $984
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Rate information is approximated as zip code location can decrease or increase premiums noticeably.

How violations and accidents impact rates

The recommended way to obtain New Hampshire auto insurance is to be a good driver and avoid getting tickets or having accidents. The illustration below highlights how speeding tickets and at-fault accidents can increase insurance premiums for different age groups. Data assumes a married male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

The chart shows that the average cost of auto insurance in New Hampshire per year with no accidents and a clean driving record is $1,073. Factor in one speeding ticket and the average cost surges to $1,230, an increase of $157 each year. Now include one accident along with the one speeding ticket and the 12-month cost of insurance in New Hampshire jumps again to an average of $1,671. That’s an increase of $598, or $50 per month, just for not driving safely!

Difference between liability only and full coverage rates

Paying less for insurance is the goal of the majority of people, and one of the fastest ways to save on the cost of insurance in New Hampshire is to not pay for full coverage. The illustration below shows the comparison of yearly insurance costs when comparing full coverage to liability only. The costs are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

If the expense is averaged for all age categories, physical damage insurance costs $1,336 per year more than carrying just liability coverage. That amount may make you wonder when is it a good idea to stop buying full coverage. There is no clear-cut rule to delete physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s say your vehicle’s settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after you pay the deductible. If it’s costing you more than $300 a year for full coverage, then you may want to consider only buying liability coverage.

Compare rates to save

New Hampshire insurance rates are impacted by many factors that can increase the price of coverage. Simply improving your credit, having a teen driver, or having an accident may prompt premium changes that may make certain companies cheaper than competitors. Not only may things change on your end, but insurance companies change rates multiple times each year to adjust for heavy claims or excess profits. Higher than usual claims can cause rate hikes, while a better claims history may cause lower-priced New Hampshire car insurance rates.

For example, the graph below shows which company has the cheapest car insurance in New Hampshire for a 40-year-old male driver with no accidents, a clean driving record, and good credit. Based on his current situation, Concord offers the most affordable car insurance rates in New Hampshire at $705 per year. This is $825 less than the average rate paid by New Hampshire drivers of $1,530. Travelers, Patriot, USAA, and Vermont Mutual are the remainder of the best New Hampshire auto insurance companies.

The next chart shows rates after we give the driver in the first example a couple of claims, a lower credit rating, and a couple of points charged on his driving record. Due to the fact that every auto insurer has their own formula to set policy rates, getting updated rate quotes most likely will result in a different list of affordable New Hampshire car insurance companies as shown below.

Travelers now has the lowest car insurance rate in New Hampshire with Encompass, MMG Insurance, Progressive, and Patriot also being competitive. This example proves why it is critical to do a thorough rate comparison to find affordable auto insurance rates in New Hampshire.

Rates are made up of many different factors and can increase or decrease at any time, so the most economical option six months ago may now be quite expensive.

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

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