Compare average insurance rates in Portsmouth for 2026
🏠
Home
$1064
/year
🚗
Auto
$1232
/year
🏥
Health
$387
/month
💰
Life
$21
/month
🏢
Renters
$15
/month
💡 Are you overpaying? Most Portsmouth residents pay 15-30% more than they should.
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Home Insurance in Portsmouth, NH
The average cost of homeowners insurance in Portsmouth, New Hampshire is $1,064 per year in 2026. This compares to the state average of $950 per year.
$1,064per year (avg in Portsmouth)
$672NH avg: $950$1568
Factors Affecting Home Insurance in Portsmouth
🏠
Home Value Average: $410,000
🌪
Weather Risk low
🌊
Flood Zone 4% of properties
📈
Cost Index 1.12 (100 = national avg)
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$328,000
$164,000
$100,000
$798
Standard (HO-3)
$410,000
$205,000
$300,000
$1,064
Premium (HO-5)
$512,500
$307,500
$500,000
$1,436
Auto Insurance in Portsmouth, NH
The average annual cost of auto insurance in Portsmouth is $1,232, compared to the New Hampshire state average of $1,100.
$1,232per year (avg in Portsmouth)
$784NH avg: $1,100$1792
📋
Minimum Coverage in New Hampshire: 25/50/25
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$677
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,232
Premium
250/500/250
$250 deductible
$250 deductible
$1,601
Health Insurance in Portsmouth, NH
The average monthly health insurance premium in Portsmouth is $387 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$387per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$278
$7,000
$9,100
Healthy, low usage
Silver
$387
$4,500
$9,100
Moderate usage
Gold
$483
$1,650
$8,700
Regular medical needs
Platinum
$580
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Portsmouth
💰 Life Insurance
$21
per month (20-year term, $500K)
Life insurance rates in New Hampshire are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $21/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$15
per month (avg in Portsmouth)
Renters insurance in Portsmouth covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Portsmouth
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Portsmouth, NH is $1,064 per year for a standard HO-3 policy. Rates range from $672 to $1,568 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Portsmouth is $1,232 per year for full coverage. Liability-only coverage averages around $554 per year. New Hampshire requires minimum coverage of 25/50/25.
Insurance costs in Portsmouth are above the national average (cost index: 1.12). Home insurance averages $1,064/yr and auto insurance $1,232/yr. Higher costs are driven by moderate natural disaster risk.
Key factors include: local cost of living (index: 1.12), moderate natural disaster risk, average home values ($410,000), your personal claims history, credit score, and at-fault insurance laws in New Hampshire.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Portsmouth residents can potentially save $459+ per year.
New Hampshire requires minimum auto liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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