How much is car insurance in New Hampshire?
In New Hampshire, a full-coverage auto policy averaged $1,032 a year in 2023 (NAIC), 28% below the $1,439 national average (9th lowest in the US), or about $1,220 a year in New Hampshire today (about $100 a month as of August 2026). For New Hampshire drivers, insurance itself is optional for most drivers, but a policy must carry at least 25/50/25 liability, and liability-only coverage—the closest NAIC measure to a minimum policy—averaged $482 in 2023 (about $570 today).
What people pay in New Hampshire: 8th lowest average in the US
Typical New Hampshire full-coverage price today
about $1,220 a year in New Hampshire (about $100 a month)
New Hampshire's 2023 NAIC full-coverage average ($1,032) adjusted +19% to August 2026 using the US motor-vehicle insurance price index; your New Hampshire rate depends on your car, driving history, and coverage limits.
That $1,032 2023 full-coverage figure makes New Hampshire the 8th least expensive of the 50 states and DC (tied with Indiana) (against $1,439 nationally), with 47% going to liability ($482, 12th lowest in the US) and 53% covering physical damage to your own vehicle. Across all insured vehicles in New Hampshire (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $987 (16th lowest in the US, about $1,170 today)—only 4% ($45) below New Hampshire's $1,032 full-coverage benchmark.
How New Hampshire compares with Maine, Massachusetts, and Vermont
A typical policy in New Hampshire ($1,032 in 2023) costs more than in Maine and Vermont and less than in Massachusetts. Among New Hampshire's neighbors, Maine had the lowest 2023 average ($926, moving to New Hampshire is about $140 more a year) and Massachusetts had the highest ($1,413, moving to New Hampshire is about $510 less a year).
| State | 2023 average | Moving to New Hampshire from there |
|---|---|---|
| New Hampshire | $1,032 | Current state (New Hampshire) |
| Maine | $926 | About $140 more a year |
| Massachusetts | $1,413 | About $510 less a year |
| Vermont | $958 | About $100 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Indiana ($1,032 in 2023, about $1,220 today), Ohio ($1,038 in 2023, about $1,230 today), Iowa ($1,010 in 2023, about $1,200 today), and Wisconsin ($1,000 in 2023, about $1,190 today).
New Hampshire: insurance is optional for most drivers (25/50/25 when you buy a policy)
- New Hampshire liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in New Hampshire
- Not required
- Medical payments in New Hampshire
- Required
- No-fault system in New Hampshire
- No
- Uninsured motorist in New Hampshire
- Required
- Underinsured motorist in New Hampshire
- Required
Under RSA 259:61 (motor vehicle liability policy), New Hampshire does not require most drivers to buy an auto policy, but drivers still have to prove financial responsibility after an at-fault crash, and any New Hampshire policy sold must carry at least 25/50/25 liability plus medical payments coverage—without covering repairs to your own car.
Liability-only coverage in New Hampshire—the closest NAIC figure to what a New Hampshire minimum policy costs—averaged $482 in 2023 (about $570 in New Hampshire today), the 12th lowest of the 50 states and DC. That makes liability 47% of New Hampshire's full-coverage average ($1,032), while the remaining 53% goes toward collision and comprehensive coverage for your own car.
New Hampshire doesn't require most drivers to buy car insurance, but you're still on the hook for crash damages, and the state can require insurance after a crash or violation. If you do buy a policy, it must include at least $25,000/$50,000 for injuries, $25,000 for property damage, $1,000 of medical payments, and uninsured-motorist coverage (which also covers underinsured drivers).
Good to know: The "required" marks for uninsured, underinsured, and medical payments coverage apply only if you buy a policy, since most drivers don't have to. The insurance department's guide is from 2022; we confirmed the laws it relies on are current.
- Uninsured and underinsured motorist
- If you buy a policy, uninsured motorist coverage must be at least $25,000/$50,000, and it matches your liability limits if you buy more. New Hampshire counts underinsured drivers as uninsured, so this coverage handles both.
- History and recent checks
- RSA 259:61 last amended 2016; RSA 264:20 unchanged since 1982. No 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- RSA 259:61 (motor vehicle liability policy)
at least $25,000 on account of injury to or death of any one person ... at least $50,000 ... and at least $25,000 for damage to property of others
- NH Insurance Department, 2022 Automobile Insurance Consumer Guide
New Hampshire motor vehicle laws do not require you to carry auto insurance ... By law, you must buy at least $1,000 of Medical Payments Coverage.
- RSA 264:20 (amount of proof of financial responsibility)
in the amount of $25,000 because of bodily injury or death to any one person ... $50,000 ... $25,000 because of injury to and destruction of property
- RSA 264:15 (uninsured motorist coverage)
no policy shall be issued ... unless coverage is provided therein ... at least in amounts and limits prescribed for bodily injury or death for a liability policy
- RSA 259:117 (uninsured motor vehicle)
The term shall also include an insured motor vehicle if ... the applicable liability insurance limits are less than the limits of the uninsured motorist coverage
- RSA 264:16 (medical payments)
shall provide medical payments coverage ... in an amount equal to or greater than $1,000 per person
- RSA 259:61 (motor vehicle liability policy)
Adding a 16-year-old driver in New Hampshire: about $810 more a year
Adding a 16-year-old to a New Hampshire policy
about $810 more a year
About $70 a month (+66% over a typical New Hampshire adult policy of $1,220), bringing the combined New Hampshire family policy to roughly $1,500–$2,700 a year.
On a separate New Hampshire policy of their own with the same car, a 16-year-old in New Hampshire would pay about $3,510 a year (roughly $2,650–$5,000), so sharing a parent's New Hampshire policy saves about $2,700 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to New Hampshire's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in New Hampshire
In New Hampshire, the 2022 Subaru Forester and Outback come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $720 more a year on a New Hampshire policy, versus about $1,220 more a year for the 2022 Tesla Model 3 at the top of New Hampshire's list.
| 2022 model | Added to a New Hampshire policy | Own New Hampshire policy |
|---|---|---|
| 2022 Subaru Forester | +$720 in New Hampshire | $3,130 in New Hampshire |
| 2022 Subaru Outback | +$720 in New Hampshire | $3,140 in New Hampshire |
| 2022 Subaru Crosstrek | +$730 in New Hampshire | $3,150 in New Hampshire |
| 2022 Honda CR-V | +$780 in New Hampshire | $3,370 in New Hampshire |
| 2022 Toyota RAV4 | +$790 in New Hampshire | $3,430 in New Hampshire |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in New Hampshire
In New Hampshire, a 45-year-old with full coverage pays from about $1,380 a year for a 2024 Acura RDX to about $2,170 for a 2024 Mercedes-Benz C-Class on these New Hampshire sample models.
| Car | 45-year-old in New Hampshire | Adding a teen in New Hampshire |
|---|---|---|
| 2024 BMW 330i | about $2,050 a year | +$1,350 a year |
| 2024 BMW X3 | about $1,840 a year | +$1,220 a year |
| 2024 BMW X5 | about $1,940 a year | +$1,280 a year |
| 2024 Mercedes-Benz C-Class | about $2,170 a year | +$1,430 a year |
| 2024 Mercedes-Benz GLC-Class | about $1,780 a year | +$1,180 a year |
| 2024 Audi Q5 | about $1,860 a year | +$1,230 a year |
| 2024 Acura MDX | about $1,460 a year | +$960 a year |
| 2024 Acura RDX | about $1,380 a year | +$910 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in New Hampshire
- How much is car insurance in New Hampshire?
- In New Hampshire, full-coverage car insurance averaged $1,032 a year in 2023 (the 8th least expensive of the 50 states and DC (tied with Indiana) per NAIC), or about $1,220 a year ($100 a month) in New Hampshire as of August 2026. New Hampshire liability-only coverage averaged $482 in 2023 (47% of New Hampshire's full-coverage figure, or about $570 today), and New Hampshire drivers spent $987 per insured car across all policies.
- What are the minimum car insurance limits in New Hampshire?
- Under RSA 259:61 (motor vehicle liability policy), buying a policy is optional for most New Hampshire drivers, but any New Hampshire auto policy must carry at least $25,000 per person / $50,000 per crash for bodily injury and $25,000 for property damage (25/50/25). RSA 259:61 last amended 2016; RSA 264:20 unchanged since 1982. No 2024-2026 change found.
- How much does adding a 16-year-old teen driver cost in New Hampshire?
- Adding a 16-year-old to a parent's full-coverage policy in New Hampshire adds about $810 more a year ($70 a month), bringing the New Hampshire household policy to roughly $1,500–$2,700 a year versus about $3,510 a year (roughly $2,650–$5,000) on a standalone New Hampshire teen policy.
- Is New Hampshire a no-fault car insurance state?
- No—New Hampshire is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and New Hampshire does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in New Hampshire: If you buy a policy, uninsured motorist coverage must be at least $25,000/$50,000, and it matches your liability limits if you buy more. New Hampshire counts underinsured drivers as uninsured, so this coverage handles both.
- How does New Hampshire's car insurance cost compare with Maine?
- New Hampshire averaged $1,032 for full coverage in 2023 (NAIC) against $926 in Maine (11% more than Maine), and moving a sample policy from Maine to New Hampshire today is about $140 more a year. Other bordering states averaged $1,413 in Massachusetts and $958 in Vermont in 2023.
Sources for New Hampshire
- New Hampshire average premiums ($1,032 full coverage, $482 liability-only, $987 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- New Hampshire minimum coverage statutes (RSA 259:61 (motor vehicle liability policy); NH Insurance Department, 2022 Automobile Insurance Consumer Guide; RSA 264:20 (amount of proof of financial responsibility); RSA 264:15 (uninsured motorist coverage); RSA 259:117 (uninsured motor vehicle); RSA 264:16 (medical payments)), checked September 22, 2026. Page updated for New Hampshire. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.