Auto Insurance in New Hampshire
The average car insurance cost in New Hampshire is $1,095 per year for full coverage. New Hampshire requires minimum liability coverage of 25/50/25. The state's uninsured driver rate is 5.5%, which is below the national average of 12.6%.
Top auto insurers in New Hampshire: GEICO, State Farm, Amica. We recommend comparing quotes from at least 5 companies, as rates can vary by 50% or more between insurers for the same driver profile.
Home Insurance in New Hampshire
Homeowners insurance in New Hampshire averages $1,280 per year for $300,000 in dwelling coverage. This is below the national average of $1,820/year. Rates are influenced by natural disaster risk, construction costs, and local claim frequency in the Northeast region.
Health Insurance in New Hampshire
The average individual health insurance premium in New Hampshire is approximately $480/month before subsidies through the ACA marketplace. Many New Hampshire residents qualify for premium tax credits that reduce this cost to $50-$200/month.
Minimum Insurance Requirements
New Hampshire requires all drivers to carry minimum liability insurance of 25/50/25. This means: $25,000 per person for bodily injury, $50,000 per accident total for bodily injury, and $25,000 for property damage per accident. While these minimums are legally sufficient, most financial advisors recommend 100/300/100 coverage.
Top Insurance Companies in New Hampshire
The largest and most popular insurance companies in New Hampshire include:
- GEICO — Market leader in New Hampshire
- State Farm — Competitive rates and strong service
- Amica — Popular choice with good coverage options