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Car insurance rates in New Hampshire

Written by:
March 31, 2025
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This story was produced by Way and reviewed and distributed by Stacker Media.

Car insurance rates in New Hampshire

The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.

- Hanover provides the cheapest liability coverage at $14 per month in New Hampshire.
- Hanover offers the cheapest rates for full coverage insurance in New Hampshire at $53 per month.
- At $102 per month, Keene is the cheapest city for car insurance in New Hampshire.

Read on to learn more about car insurance price trends in New Hampshire. More car insurance rate data is available in the original article at Way.com.

Cheapest liability insurance in New Hampshire

For drivers looking to meet New Hampshire minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.

Cheapest liabiility insurance in New Hampshire
#1. Hanover: $14
#2. Safety Group: $24
#2. Vermont Mutual: $24
#4. USAA: $26
#5. MAPFRE: $27

Cheap full coverage in New Hampshire

Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.

Cheapest full coverage insurance in New Hampshire
#1. Hanover: $53
#1. Safety Group: $53
#1. Vermont Mutual: $53
#4. MAPFRE: $56
#5. Concord Group: $62

Impact of traffic violations on New Hampshire auto insurance rates

In New Hampshire, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in New Hampshire may differ from the national average due to regional risks and rules.

Here's a breakdown of average auto insurance rates in New Hampshire after common driving violations.

- No violation: $119
- Not-at-fault accident: $119
- Failure to wear a seat belt: $132
- Speeding 6 - 10 MPH over limit: $137
- Speeding 21 - 25 MPH over limit: $141
- DUI: $219
- Reckless driving: $212
- Driving with a suspended license: $217
- Leaving scene of an accident/hit and run: $224

Car insurance rates across New Hampshire's top cities

Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.

Cities with the cheapest average monthly premium in New Hampshire
#1. Keene: $102
#1. Hanover: $102
#1. West Swanzey: $102
#4. Ashuelot: $103
#4. Meriden: $103

Cities with the most expensive average monthly premium in New Hampshire
#1. East Hampstead: $127
#2. Hudson: $126
#3. Derry: $125
#3. Newton Junction: $125
#5. Pinardville: $124

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