Auto Insurance in New Hampshire — Average Cost 2026
Average auto insurance in New Hampshire: $1,180/year ($98/month). New Hampshire ranks #5 out of 51 states — below the national average.
Average annual
$1,180
Average monthly
$98
National rank
#5
of 51 states
vs national avg
-33.7%
New Hampshire vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Auto insurance in New Hampshire
New Hampshire sits 34% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in New Hampshire tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save New Hampshire drivers hundreds of dollars annually.