New Hampshire isn't in Insurify's current free data set, so this average is a representative estimate (not sourced). See
methodology.
The one thing that sets New Hampshire apart
Insurance NOT mandatory — but you must prove ability to pay if at fault.
Minimum vs. full coverage in New Hampshire
What each coverage level costs on the New Hampshire average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $480 | $40 |
| Liability Only | $750 | $62 |
| Full | $1,360 | $113 |
| Full Low Deductible | $1,660 | $138 |
Minimum coverage saves about $880/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
New Hampshire car insurance FAQ
- What's the minimum car insurance required in New Hampshire?
- New Hampshire's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $480/yr but leaves you exposed above those caps.
- How much is full coverage in New Hampshire?
- Representative full coverage averages $1,360/yr (about $113/mo), ranking New Hampshire #6 of 51 states for cost.
- Why is New Hampshire car insurance priced the way it is?
- Insurance NOT mandatory — but you must prove ability to pay if at fault.