Published car-insurance premium data for New Hampshire (2024)
The lowest single filed rate anywhere in this survey is $322 and the highest is $8,514 — 26.4× apart, for defined hypothetical drivers.
New Hampshire Insurance Department · rates effective 1 August 2024 · annual premiums · 2,025 filed rates · retrieved 9 August 2026 · source document
These rates are 24 months old
New Hampshire Insurance Department last published this survey with rates effective 1 August 2024. The market has moved since. For the direction of prices now, see the US car-insurance price index.
- Driver profiles published
- 7
- Rating territories published
- 9
- Filed rates behind these pages
- 2,025
- Policy term
- annual
What NHID publishes, and why it looks like this
The New Hampshire Insurance Department publishes 7 rating examples across 9 rating territories, with a large carrier panel and a per-company effective date on every row.
One of the rating examples buys a different set of liability limits from the other six and is not comparable with them; its definition says so on its own page. Twenty carrier and example pairs carry an effective date but no premium, meaning those companies did not submit for that example, and they are excluded from the counts. Rates are annual.
What these figures are, and what they are not
Each figure is computed from the premiums insurers filed with New Hampshire Insurance Department for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.
Full coverage. All examples include the following unless otherwise noted: Bodily injury liability limit is $100,000 per person, $300,000 per occurrence.; Property damage liability is $100,000.; Deductibles are $500 collision and $250 comprehensive.; Medical payments are $5,000.; Premium is for a 12 month period and for new business.; Premiums are not considered for multi-policy or package discounts.; If insurer sells Single Limit Liability coverage only, premiums reflect a; The insured had prior insurance with a standard carrier at the same limits,; If the company considers credit in calculating premium, they assumed that; Vehicles do not have anti-theft, anti-lock or other safety devices unless noted. NHID publishes a rate-effective date PER COMPANY as well as the survey's own filing date — the per-company dates in this edition span 2015-09-24 to 2024-08-01, while the survey includes rate filings effective as of 2024-08-01. Rating Example 6 departs from the shared limits — that driver buys 25/50 bodily injury and $25,000 property damage — and its definition says so. NHID's own host 403s every scripted client, so this edition was retrieved byte-for-byte from the Internet Archive's unmodified capture of https://mm.nh.gov/files/uploads/nhid/documents/auto-insurance-premium-comparison-example.pdf. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.
Every driver profile NHID publishes
| Driver profile | Combinations | Lowest filed | Median range | Highest filed |
|---|---|---|---|---|
| Rating Example 1 Married couple, both age 44, home owners. Husband drives a 2010 Toyota Camry 4 Dr Sedan (VIN# 4T1BF3EK&A) five miles each way to… | 9 | $956 | $2,048–$3,112 | $7,069 |
| Rating Example 2 Married couple, both age 35, home owners. Husband drives a 2011 Ford Explorer XLT 4x4 (VIN# 1FMHK8D8&B) twelve miles each way to… | 9 | $670 | $1,387–$1,836 | $3,043 |
| Rating Example 3 Single male, renter, age 23. He drives a 2008 Ford F-150 Supercab XLT 4x4 (VIN# 1FTPX14V&8) ten miles each way to work, five days… | 9 | $680 | $1,241–$1,646 | $4,284 |
| Rating Example 4 Married couple, home owners, the husband is 72 and the wife is 68. They drive a 2007 Buick LaCrosse CXL (VIN# 2G4WD582&7) for… | 9 | $326 | $661–$896 | $1,628 |
| Rating Example 5 Single female, age 19. She drives a 2006 Honda Civic LX Coupe (VIN# 2HGFG116&6) six miles each way to a post-secondary school,… | 9 | $804 | $1,680–$2,200 | $5,257 |
| Rating Example 6 Single male, renter, age 30. He drives a 2008 Jeep Grand Cherokee Laredo Sport Utility 4x4 (VIN# 1J8GR48K&8) five miles each way… | 9 | $597 | $1,794–$2,472 | $8,514 |
| Rating Example 7 Single female, renter, age 35. She drives a 2011 Chrysler 200 convertible (VIN# 1C3BC2EG&B) eighteen miles each way to work 5… | 9 | $322 | $908–$1,204 | $2,193 |
The other dimension of this survey
NHID rates 9 rating territories as well. Every one of them appears on the pages above, as a row inside each driver profile page. The transposed pages — one page per rating territory, carrying every driver profile — are a later batch, and are named here rather than linked because they do not exist yet.
- Nashua (ZIP 03063)
- South Rural (ZIP 03070)
- Manchester (ZIP 03102)
- Concord (ZIP 03301)
- Keene (ZIP 03431)
- Berlin (ZIP 03570)
- Lebanon (ZIP 03766)
- Portsmouth (ZIP 03801)
- North Rural (ZIP 03846)
What New Hampshire requires by statute
These filed rates are for the coverage the survey defines, which is not the same thing as the state’s legal minimum. Car-insurance requirements in New Hampshire sets out what the statute obliges a driver to carry, with the citation and the effective date.
Questions about this data
- Are these car-insurance quotes for New Hampshire?
- No. They are rates insurers filed with New Hampshire Insurance Department for driver profiles the regulator defined. They are not offers and not what any individual pays.
- Why is there no single average figure for New Hampshire?
- Because a single figure hides the spread, and the spread is the finding. Across this survey the lowest filed rate is $322 and the highest is $8,514, both for defined hypothetical drivers.
- Are these annual premiums?
- New Hampshire Insurance Department publishes annual premiums. This site never converts between the two terms and never places one state's figures beside another's.
Source: New Hampshire Insurance Department, rates effective 1 August 2024. Retrieved 9 August 2026. 2,025 filed rates aggregated into 63 published distributions; no per-insurer figure is stored or shown.