Average insurance rates across 13 cities in New Hampshire
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Nashua | 245,209 | $1,064 | $1,232 | $387/mo | $15/mo |
| Manchester | 169,097 | $1,064 | $1,232 | $387/mo | $15/mo |
| Portsmouth | 96,146 | $1,064 | $1,232 | $387/mo | $15/mo |
| Dover | 74,554 | $1,064 | $1,232 | $387/mo | $15/mo |
| Concord | 44,049 | $1,064 | $1,232 | $387/mo | $15/mo |
| Rochester | 32,573 | $1,064 | $1,232 | $387/mo | $15/mo |
| Keene | 22,907 | $1,064 | $1,232 | $387/mo | $15/mo |
| Laconia | 16,898 | $1,064 | $1,232 | $387/mo | $15/mo |
| Lebanon | 14,515 | $1,064 | $1,232 | $387/mo | $15/mo |
| Claremont | 13,018 | $1,064 | $1,232 | $387/mo | $15/mo |
| Somersworth | 11,994 | $1,064 | $1,232 | $387/mo | $15/mo |
| Berlin | 9,485 | $1,064 | $1,232 | $387/mo | $15/mo |
| Franklin | 8,746 | $1,064 | $1,232 | $387/mo | $15/mo |
New Hampshire residents pay an average of $950 per year for home insurance and $1,100 for auto insurance. New Hampshire follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in New Hampshire averages $380 per month for an individual Silver marketplace plan. The weather risk level is low, with moderate natural disaster risk. Top insurance providers in New Hampshire include Amica, USAA, State Farm.
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Policygenius The ZebraThe average home insurance cost in New Hampshire is $950 per year. Rates range from $600 to $1,400 depending on home value, location, and coverage level.
Auto insurance in New Hampshire averages $1,100 per year for full coverage. The state minimum coverage is 25/50/25.
New Hampshire has below-average insurance costs, with home insurance at $950/yr and auto at $1,100/yr compared to national averages of $2,300 and $1,800 respectively.
New Hampshire requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.