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.
New Hampshire car insurance rates by:
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 riskier.
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
| Age | Average 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
| Gender | Average 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 Status | Average 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. See more about how credit score can affect auto insurance rates:
NEW HAMPSHIRE CAR INSURANCE COSTS BY CREDIT SCORE
| Credit Score | 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 |
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
| Violation | Average 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 Level | Average 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.
Compare rates from top-rated insurance companies!
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.