What's the Average Cost of Auto Insurance in New Hampshire?

The Zebra
Feb. 8, 2019

Car insurance is relatively cheap in New Hampshire. The average auto insurance rate in New Hampshire is $1,083 per year — 24.1% less than the US average.

But car insurance rates are dictated by more than just state lines. Car insurance rates price based on an array of factors, such as the insured party's marital status, driving history, credit rating, gender, and age.

We analyzed typical New Hampshire auto insurance rates by each of the significant rating qualifications. See below how much car insurance costs in your location — or enter your zip code to receive personalized quotes from popular car insurers.


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New Hampshire car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Mean Auto Insurance Costs in New Hampshire by Age

It's a common phenomenon: as you get older, your car insurance rates change. Generally speaking, auto insurance is more costly for young drivers, as underwriters view inexperienced motorists as more risky.

In New Hampshire, car insurance costs $6,193 per year for a 16-year-old driver, but only $946 annually for a driver between 50 and 59 years of age.


NEW HAMPSHIRE CAR INSURANCE PRICES BY AGE
AgeAverage Yearly Rate
16$6,192.65
17$5,298.13
18$4,553.43
19$2,742.62
20s$1,538.06
30s$1,055.32
40s$1,007.64
50s$946.46
60s$1,034.44
70s$1,341.96

If you're facing the frightful prospect of getting insurance for a teen driver, consider that New Hampshire is the 21st cheapest state in which to buy car insurance for a 16-year-old.




Average Car Insurance Rates in New Hampshire by Gender

While gender doesn’t have as large an impact on auto insurance rates as location or experience level, it is employed as a rating factor by insurance companies.


NEW HAMPSHIRE CAR INSURANCE RATES FOR MEN VS. WOMEN
GenderAverage Yearly Rate
Male$1,073.47
Female$1,054.22

If you're worried about getting the best possible value with your current car insurance company, the best course of action is to shop around.




Average Auto Insurance Premiums in New Hampshire by Marital Status

A pro of wedlock — in addition to the wedding gifts — is the price cut you typically receive on your auto insurance. In the state of New Hampshire, married motorists save $60 per year on car insurance. This is less than the US post-wedding price cut of $76.


NEW HAMPSHIRE CAR INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,073.47
Married$1,013.51
Divorced$1,073.47
Widowed$1,067.90

Car insurance coverage for divorced drivers in New Hampshire is the 43rd most expensive in the nation. If you are paying too much for your auto insurance policy, weigh your options. It never hurts to see what's out there!




Average Auto Insurance Costs in New Hampshire by Credit

Insurers use credit history as a way of determining how responsible a customer will be. Historical trends suggest drivers with excellent credit are more dependable auto insurance clients: they're less likely to file claims that cost auto insurance companies money.

In New Hampshire, a motorist boasting outstanding credit can save $980.91 per year on car insurance, compared to a driver saddled with a low credit score. Read more about how credit score can affect auto insurance rates:


NEW HAMPSHIRE CAR INSURANCE COSTS BY CREDIT SCORE
Credit ScoreAverage Annual Rate
Very Poor (300-579)$1,911.08
Fair (580-669)$1,622.93
Good (670-739)$1,360.92
Very Good (740-799)$1,120.15
Exceptional (800-850)$930.17

Finding cheap auto insurance when you have bad credit can be tricky. But we're here to help. Check out our guide to finding auto insurance with bad credit and start saving!




Median Car Insurance Premiums for High-Risk Drivers in New Hampshire

If you are defined as at fault in an accident or found guilty of a vehicular offense, your insurance costs are bound to rise. The more offenses you accumulate, the pricier your auto insurance gets.

In New Hampshire, your first minor at-fault incident results in a penalty of $608.95 per year in car insurance payments. A DUI — considered one of the most serious driving infractions — can boost your annual insurance expenditure in New Hampshire by as much as $766.13.


NEW HAMPSHIRE CAR INSURANCE RATES WITH TICKETS
AgeAverage Annual Rate
DUI or DWI$1,848.94
Reckless Driving$1,855.40
At-Fault Accident (<$1,000)$1,691.76
At-Fault Accident ($1,000-$2,000)$1,614.09
At-Fault Accident (>$2,000)$1,782.10
Open Container$1,763.70
Speeding (21-25 MPH > limit)$1,452.70
Speeding (16-20 MPH > limit)$1,389.42

If you are looking for a better deal on auto insurance, it's worth comparing options to find reasonably priced coverage that suits your needs.




Median Auto Insurance Costs by Coverage in New Hampshire

The amount you pay every month for auto insurance depends on how much coverage you carry. Liability-only coverage usually is less costly, while low-deductible comprehensive coverage costs more. In New Hampshire, the rate gap between liability-only coverage and full coverage with a $500 deductible is $657.


NEW HAMPSHIRE CAR INSURANCE COSTS BY COVERAGE TYPE
Coverage LevelAverage Yearly Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$617
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,136
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,273
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$550
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,069
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,206
State Minimum — Liability Only$492
State Minimum — $1,000 Comprehensive/Collision$1,011
State Minimum — $500 Comprehensive/Collision$1,149

If you're in need of affordable auto insurance, think about comparing options to find inexpensive insurance coverage that fits your budget.