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

The Zebra
Oct. 11, 2018

Car insurance policies are typically inexpensive in New Hampshire. The average car insurance premium in New Hampshire is $1,083 annually — 24.1% less than the US average.

Your car insurance costs are impacted by more than just the state in which you live. Auto insurance premiums take into account myriad factors, such as a driver's age, credit rating, driving history, gender, and marital status.

We reviewed mean New Hampshire auto insurance rates by all of the primary rating components. Read on to see how much car insurance costs in your state — or submit your zip code to receive unique rates from leading insurers.


Average Car Insurance Prices in New Hampshire by Age Bracket

It's impossible to avoid: as you age, your car insurance premiums change. Generally speaking, auto insurance is pricier for young drivers and teens, as insurers consider inexperienced motorists as less responsible.

In New Hampshire, car insurance costs $6,193 per year for a 16-year-old driver, and only $946 per annum for a driver aged from 50 to 60.


NEW HAMPSHIRE CAR INSURANCE COSTS BY AGE BRACKET
Age Average Annual 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



Average Auto Insurance Costs in New Hampshire by Gender

While gender doesn’t carry as sizable an impact on car insurance rates as a driver's location or experience level, it is used as a rating factor. Women pay less than do men for car insurance in New Hampshire, but the gap is only $19.25 annually.

NEW HAMPSHIRE AUTO INSURANCE PREMIUMS BY GENDER
Gender Average Annual Rate
Male $1,073.47
Female $1,054.22



Mean Auto Insurance Rates in New Hampshire by Marital Status

One benefit of getting married — aside from the wedding gifts — is the price cut you typically receive on car insurance. In New Hampshire, married motorists save $60 per year on car insurance. This is a smaller discount than the national post-wedding price break of $76.


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



Mean Auto Insurance Rates in New Hampshire by Credit Score

Insurers use credit history as a prediction of how reliable a client will be. Historical data show drivers with excellent credit are usually more dependable auto insurance clients: they less commonly file claims insurance companies are compelled to repay.

In the state of New Hampshire, a driver boasting unblemished credit saves $980.91 per year in car insurance premiums, versus a driver saddled with a bad credit rating. Read more about how credit history may impact car insurance costs:


NEW HAMPSHIRE AUTO INSURANCE RATES BY CREDIT LEVEL
Credit Tier Average 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



Average Auto Insurance Costs for Bad Drivers in New Hampshire

If you've been discovered to be at fault after an accident or convicted of a driving infraction, your insurance costs are bound to climb. The more red flags you rack up, the more expensive your auto insurance gets.

In New Hampshire, your first minor at-fault accident will cost $608.95 annually in auto insurance premiums. A DUI — among the most serious driving violations — could raise your yearly insurance rates in New Hampshire by an average of $766.13.


NEW HAMPSHIRE CAR INSURANCE PRICES AFTER INFRACTIONS
Age Average Yearly Premium
DUI/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 your policy is more costly than the state average, it's worth policy shopping to find affordable insurance coverage that meets your requirements.


Compare rates from top-rated insurance companies!

Don't forget to share!