Car Insurance in New Hampshire
Figures updated
The legal minimum, what New Hampshire drivers pay, and who is cheapest.
- Full coverage averages $92 a month.
- 25/50/25.the lowest liability limits.
- 46th of 51.the most expensive state (1st = highest).
How much car insurance costs in New Hampshire
Full coverage costs the average New Hampshire driver $1,103 each year, or about $92 monthly. Policies with only legal minimum coverage average $517 each year. That runs 32% under the US average, which is $1,613 a year.
| Coverage in New Hampshire | Per year | Per month |
|---|---|---|
| Liability | $517 | $43 |
| Collision | $405 | $34 |
| Comprehensive | $181 | $15 |
| Full coverage (all three) | $1,103 | $92 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Minimum coverage rules in New Hampshire
New Hampshire requires 25/50/25 liability coverage at minimum. It provides $25,000 per injured person and $50,000 for all people injured in one crash, plus $25,000 for damage to others' property.
In New Hampshire, the at-fault rule makes the crash-causing driver pay through their liability cover.
You aren't required to carry uninsured motorist cover, but in most states insurers have to offer it.
Source: New Hampshire Insurance Department, Auto Insurance Guide (PDF).
How many drivers in New Hampshire have no insurance
In 2023, about 10% of New Hampshire drivers had no car insurance. That was the 40th highest share among the 51. If one of them hits you, uninsured motorist cover pays your bills.
More about car insurance in New Hampshire
First written on