Car insurance in New Hampshire
Drivers in New Hampshire paid $1,032 a year for full coverage in 2023, 28% below the national average. With prices up since, figure on about $1,220 today. In New Hampshire, insurance itself is optional for most drivers, but a policy must carry at least 25/50/25 liability.
What people pay in New Hampshire
A typical yearly price today
about $1,220 a year (about $100 a month)
New Hampshire's average full-coverage cost in 2023 was $1,032, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,220.
That makes New Hampshire the 8th least expensive of the 50 states and DC (tied with Indiana). Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
New Hampshire next to its neighbors
A typical policy in New Hampshire costs more than in Maine and Vermont and less than in Massachusetts.
| State | Typical price, 2023 | Moving to New Hampshire from there |
|---|---|---|
| New Hampshire | $1,032 | Not a move |
| Maine | $926 | About $150 more a year |
| Massachusetts | $1,413 | About $520 less a year |
| Vermont | $958 | About $100 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance New Hampshire's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP)
- Not required
- Medical payments
- Required
- No-fault
- No
- Uninsured motorist
- Required
- Underinsured motorist
- Required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $482 in New Hampshire in 2023 (about $570 today, brought up the same rough way), the 12th lowest of the 50 states and DC. That's about 47% of the full-coverage price; the rest pays to fix or replace 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.
- Checked
- September 22, 2026
A new teen driver in New Hampshire
Adding a 16-year-old to a typical policy
about $810 more a year
About $70 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,500–$2,700 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $3,510 a year in New Hampshire (roughly $2,650–$5,000).
What adding a teen costs comes from California's published prices, so the range is wide, and New Hampshire may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
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. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,220 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$720 a year | $3,130 a year |
| 2022 Subaru Outback | +$720 a year | $3,140 a year |
| 2022 Subaru Crosstrek | +$730 a year | $3,150 a year |
| 2022 Honda CR-V | +$780 a year | $3,370 a year |
| 2022 Toyota RAV4 | +$790 a year | $3,430 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in New Hampshire (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: New Hampshire's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.