Average car insurance cost in New Hampshire (2026)
Drivers in New Hampshire pay an average of $85 a month for full coverage and $52 a month for liability only.
Full coverage / month
$85
Liability only / month
$52
Full coverage / year
$1,020
Liability only / year
$624
Cost rank
#51 of 51
1 = most expensive. Liability-only rank: #50.
Averages are a starting point. Estimate your cost in New Hampshire
How New Hampshire compares
The full-coverage average of $85 is 51% below the average across states ($174), and the liability-only average of $52 is 47% below the average across states ($98). It is the lowest in our table, $216 a month below Maryland.
Full coverage vs liability only in New Hampshire
Full coverage costs $33 more per month than liability only in New Hampshire, or $396 more per year. That gap is narrower than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to New Hampshire by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Wyoming | $94 | $50 | +$9 |
| Alaska | $97 | $59 | +$12 |
| Idaho | $107 | $64 | +$22 |
| Iowa | $111 | $56 | +$26 |
| North Carolina | $113 | $69 | +$28 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the New Hampshire averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $85 | $52 |
| Same driver, age 20-24 | $123 | $75 |
| Same driver, one ticket | $104 | $63 |
| Same driver, one at-fault accident | $121 | $74 |
| Same driver, sports car | $111 | $68 |
Frequently asked questions
How much does car insurance cost in New Hampshire?
The average in New Hampshire is $85 a month ($1,020 a year) for full coverage and $52 a month ($624 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in New Hampshire expensive compared with other states?
New Hampshire ranks 51st highest of the 50 states and D.C. for full coverage. Its full-coverage average is 51% below the average across states of $174 a month.
How much more does full coverage cost than liability only in New Hampshire?
On average, full coverage costs $33 more per month in New Hampshire, or $396 more per year. That is 63% more than the liability-only average.
How much could an at-fault accident change an estimate in New Hampshire?
With our illustrative 1.42 factor, a baseline full-coverage estimate in New Hampshire rises from $85 to about $121 a month, or about $36 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.