Are Auto Insurance Rates Increasing in New Hampshire?

As anyone who drives a vehicle is probably aware, auto insurance costs tend to rise each year. But there's a lot that goes into pricing auto insurance policies — and not every region experiences the same rate trends.

Location is one of the rating factors insurance companies use to set rates. The state, city, and ZIP code in which a car is parked and operated are weighed when setting auto insurance rates — this comes down to state laws and the varying risks associated with insuring cars in different areas.

Because car insurance pricing is multi-faceted, yearly rate trends vary by state. Auto insurance rates might be rising annually in one state while they decrease in the next state over.

See below car insurance rate trends in New Hampshire. If your insurance isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's car insurance comparison engine generates auto insurance rates based on your specific profile — enter your ZIP below to get started.

Auto insurance price trends in New Hampshire

Average annual auto insurance premiums in New Hampshire went up by $47 over the past year. The usual driver in New Hampshire now pays an average premium of $1,105 per year.

The general trend in New Hampshire leans toward more expensive auto insurance costs. From 2015 to 2018, rates went up by an average of $32 per year. At the same time, insurance rates across the US have jumped in the past few years, climbing from $1,280 in 2015 to $1,470 in 2018.

Year Avg. Annual Premium — New Hampshire Yearly Change — New Hampshire Avg. Annual Premium — US Yearly Change — USA
2018 $1,105 $47 $1,470 $32
2017 $1,058 $18 $1,437 $69
2016 $1,040 -$33 $1,368 $88
2015 $1,073 $74 $1,280 $51
2014 $999 $146 $1,229 $34
2013 $853 $25 $1,195 -$80
2012 $828 $4 $1,276 $82

If your rates are rising faster than those in your state, consider shopping around for a better deal.

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How are car insurance rates trending in major New Hampshire cities?

Car insurance policies are priced at the ZIP code level with myriad variables influencing premiums in the area. That means drivers could see major differences in their insurance rates, based solely on their ZIP code or city. For example, Concord drivers endured a larger yearly rate increase (5.0%) than did drivers in Nashua (4.7%) between 2018 and 2017.

The below table shows annual auto insurance rate changes in New Hampshire's largest municipalities If your city is expensive — and moving isn't on the table — you can always shop around for a more affordable rate.

City Avg. Rate Increase — 2018 vs. 2017
Concord 5.0%
Nashua 4.7%
Dover 4.5%
Manchester 4.1%
Rochester 4.1%

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance