Car Insurance in New Hampshire
New Hampshire drivers spend an average of $987 a year on auto insurance according to the NAIC — ▼ −23% versus the national average of $1,282, ranking 36th most expensive of 51. The state requires 25/50/25 liability coverage and follows an at-fault system.
Average car insurance cost in New Hampshire
The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $482 for liability, $391 for collision and $158 for comprehensive ($1,032 combined, versus $1,439 nationally). That average expenditure is 12% higher than the NAIC's previous data year ($881). Comprehensive coverage is cheaper than average here, a sign of lower weather and theft losses.
Minimum car insurance requirements in New Hampshire
New Hampshire's minimum is written as 25/50/25: $25,000 per person / $50,000 per accident in bodily injury liability and $25,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $585 a year here, $185 more than the minimum.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — New Hampshire does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Every auto liability policy includes uninsured/underinsured motorist coverage at the same limits as the liability coverage. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Underinsured protection is included with uninsured motorist coverage at the policy's liability limits. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | Yes | $1,000 Policies issued in New Hampshire include at least $1,000 of medical payments coverage. | Medical bills for you and your passengers |
New Hampshire does not require drivers to buy auto insurance, but drivers must be able to pay for damages they cause; proof of insurance can be required after a conviction, crash or administrative action. The limits shown apply to any policy that is purchased.
Compare with another state
Is New Hampshire a no-fault state?
No — New Hampshire is an at-fault (tort) state. New Hampshire is an at-fault (tort) state: the driver responsible for a crash, or their insurer, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.
Uninsured drivers in New Hampshire
The Insurance Research Council estimates 10.0% of New Hampshire drivers are uninsured — 40th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 10 on the road. New Hampshire requires uninsured motorist coverage, which pays your injury costs when the at-fault driver has no insurance.
SR-22 requirements in New Hampshire
New Hampshire uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. When the DMV requires proof of insurance, the SR-22 filing lasts three years from the conviction, crash or administrative action.
By our model, a driver in their 30s with a DUI would pay about $770 a year for minimum coverage in New Hampshire, versus $400 with a clean record. What is SR-22 insurance?
Estimate your premium in New Hampshire
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Car insurance by city in New Hampshire
We cover 8 New Hampshire cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Keene ($1,080) and the highest in Nashua ($1,295).
- ManchesterPop. 116,386 · Hillsborough County$1,280+13% vs state
- NashuaPop. 91,851 · Hillsborough County$1,295+14% vs state
- ConcordPop. 44,674 · Merrimack County$1,155+2% vs state
- DoverPop. 33,909 · Strafford County$1,185+4% vs state
- RochesterPop. 33,598 · Strafford County$1,185+4% vs state
- KeenePop. 23,036 · Cheshire County$1,080−5% vs state
- PortsmouthPop. 22,938 · Rockingham County$1,200+6% vs state
- LaconiaPop. 17,310 · Belknap County$1,095−4% vs state
Estimated cost by driver profile in New Hampshire
Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.7× what a driver in their 30s pays for the same full coverage in New Hampshire.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,105 | $1,605 | $3,115 | $260 |
| Young adult (22) | $645 | $935 | $1,810 | $151 |
| Adult in their 30s | $400 | $585 | $1,135 | $95 |
| Adult in their 50s | $370 | $535 | $1,040 | $87 |
| Senior (72) | $450 | $655 | $1,270 | $106 |
| 30s, one at-fault accident | $585 | $845 | $1,640 | $137 |
| 30s, DUI on record | $745 | $1,080 | $2,095 | $175 |
By coverage level
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $400 | $34 | $330–$475 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $585 | $49 | $480–$690 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,135 | $94 | $930–$1,335 |
Cheapest and most expensive cars to insure in New Hampshire
Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $2,490 a year here.
| Model | Segment | Est. / year |
|---|---|---|
| GMC Acadia | Midsize SUV | $740 |
| Chevrolet Traverse | Midsize SUV | $750 |
| Subaru Forester | Small SUV | $820 |
| Subaru Crosstrek | Small SUV | $830 |
| Subaru Outback | Wagon | $840 |
| Honda Pilot | Midsize SUV | $840 |
| Honda CR-V | Small SUV | $845 |
| MINI Cooper | Subcompact car | $860 |
| Acura RDX | Luxury SUV | $895 |
| Ford Bronco | Midsize SUV | $895 |
| Model | Segment | Est. / year |
|---|---|---|
| BMW M4 | Luxury sports car | $3,230 |
| BMW M3 | Luxury car | $3,205 |
| Lamborghini Urus | Luxury SUV | $3,025 |
| BMW 7 Series | Luxury car | $2,755 |
| Mercedes-Benz S-Class | Luxury car | $2,225 |
| Lucid Air | Luxury car | $2,140 |
| Audi RS 7 | Luxury car | $1,855 |
| Mercedes-Benz G-Class | Luxury SUV | $1,840 |
| Porsche Taycan | Luxury sports car | $1,755 |
| Mercedes-Benz SL-Class | Luxury sports car | $1,715 |
Cheap car insurance in New Hampshire: how to lower your rate
- Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $80 a year on a typical New Hampshire full-coverage policy.
- Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $885 to $585.
- Drive less, pay less. Low-mileage and usage-based programs can save around $80 a year if you drive under 7,500 miles.
- Protect your record. A single speeding ticket adds roughly $245 a year in our model; an at-fault accident adds much more.
- Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles. The New Hampshire Insurance Department publishes a rate comparison tool.
- Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.
Complaints and help: New Hampshire Insurance Department
The New Hampshire Insurance Department licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.
- Website
- www.insurance.nh.gov
- File a complaint
- Consumer complaint page
- Consumer helpline
- 1-800-852-3416
- Rate comparison
- Official premium comparison
New Hampshire vs. neighboring states
| State | NAIC avg. | Minimums | System | Uninsured |
|---|---|---|---|---|
| New Hampshire | $987 | 25/50/25 | At-fault (tort) | 10.0% |
| Maine | $856 | 50/100/25 | At-fault (tort) | 5.7% |
| Massachusetts | $1,326 | 25/50/30 | No-fault | 7.9% |
| Vermont | $893 | 25/50/10 | At-fault (tort) | 11.8% |
Frequently asked questions
How much is car insurance in New Hampshire?
NAIC data puts the average New Hampshire auto insurance expenditure at $987 a year, 23% less than the national average of $1,282 (rank 36 of 51, where 1 is the most expensive). Our estimate for full coverage for a driver in their 30s with a clean record is about $1,135 a year ($94 a month); state-minimum liability is about $400.
What is the minimum car insurance required in New Hampshire?
New Hampshire requires at least 25/50/25 liability coverage: $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage, plus uninsured motorist coverage and underinsured motorist coverage.
Is New Hampshire a no-fault state?
No. New Hampshire is an at-fault (tort) state: the driver responsible for a crash, or their insurer, pays for the other party's injuries and property damage.
How many drivers in New Hampshire are uninsured?
The Insurance Research Council estimates that about 10.0% of New Hampshire drivers are uninsured, ranking 40th in the nation (national estimate: 15.4%).
Does New Hampshire require SR-22 insurance?
Yes, New Hampshire uses the SR-22 certificate for drivers who must prove financial responsibility, typically for about 3 years. When the DMV requires proof of insurance, the SR-22 filing lasts three years from the conviction, crash or administrative action.
Which New Hampshire city has the cheapest car insurance?
Among the 8 cities we cover, Keene has the lowest full-coverage estimate at about $1,080 a year, while Nashua is the highest at about $1,295. Differences come from population density, commute length and local weather risk.
How much does car insurance cost for a teen driver in New Hampshire?
An 18-year-old on their own full-coverage policy would pay roughly $3,115 a year in New Hampshire by our estimate, or about $1,105 for minimum coverage. Joining a parent's policy usually costs less.
How do I file a complaint against a car insurance company in New Hampshire?
Contact the New Hampshire Insurance Department (consumer line 1-800-852-3416). It handles consumer complaints about claims, cancellations and rates at no cost.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- New Hampshire Insurance Department: Automobile Insurance Consumer Guide
- New Hampshire Insurance Department: Automobile Insurance
- NH RSA 264:15 (uninsured motor vehicle coverage)
- NH DMV: Insurance Requirements / SR-22
- New Hampshire Insurance Department: Auto Cost (premium comparison)
- New Hampshire Insurance Department: Filing a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau: population estimates and American Community Survey
- FEMA National Risk Index