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Home Insurance and Car Insurance in New Hampshire

New Hampshire residents have several options to choose from when they need home and auto coverage. But where should you start when shopping for coverage? And, more importantly, how do you find the best rates?
SelectQuote knows that buying insurance can sometimes feel stressful, but it shouldn’t when you work with us. This guide explores the basics of home and auto insurance in New Hampshire, including how to maximize your savings by bundling home and auto policies with one of our trusted partner carriers.

Homeowners Insurance in New Hampshire

Home insurance is important for New Hampshire homeowners. In addition to protecting your investment, it offers peace of mind that your home or personal property will be replaced if a catastrophe, such as a fire or windstorm, causes damage. Home insurance policies are not required by the law, but most mortgage companies will require proof of insurance as part of the conditions for approving your home loan.
Let’s walk through what purchasing home insurance looks like in New Hampshire, including the types of coverage available and what you might expect to pay each month for your policy.

Homeowners Insurance Coverage Options in New Hampshire

Most home insurance policies in New Hampshire will include basic protections to help repair or rebuild your home. They’ll also factor in the cost of replacing or repairing personal property. Many insurance policies are subject to coverage limits—how much the carrier will pay—and deductibles, which are a set amount you must pay before the policy kicks in.
One distinction to make between insurance policies is to know whether you have a cash value or full replacement cost policy. Cash value policies typically only pay a set amount for what property or a dwelling is appraised at. Full replacement cost, however, will pay the full cost to replace your home, regardless of an increase in labor or materials costs.
The most common types of home insurance coverage include:
  • Dwelling coverage: This coverage helps pay for repairs or to rebuild a home if it’s damaged by a covered peril like a fire or windstorm.
  • Personal property coverage: This covers the contents of your home, such as furniture and electronics, if they’re stolen or damaged.
  • Liability protection: This coverage protects you if someone is injured on your property and decides to sue.
  • Guest medical protection: If a guest is injured at your home, this coverage can help pay for their medical expenses.
  • Additional living expenses: If your home is uninhabitable due to a covered loss, this coverage can help pay for temporary living costs.

Common Causes of Loss in New Hampshire

Because of its New England location, New Hampshire sees its fair share of windstorms, snow and freezing temperatures. It’s no wonder that these are the biggest sources of damage for homeowners in the state. Luckily, most home insurance policies cover damage to your structure and belongings—up to your policy’s limits, of course.

Additional Coverage Options Recommended for New Hampshire Homeowners

While you may be tempted to purchase basic home insurance for your New Hampshire home, you might want to consider additional coverage that goes above and beyond. Commonly recommended coverage types for residents of New Hampshire includes:
  • Flood insurance: Flooding is New Hampshire’s most common natural disaster, but it isn’t covered by standard home insurance policies. Instead, you must buy a separate flood insurance policy from your carrier or through the National Flood Insurance Program (NFIP).
  • Water backup and sewer coverage: Standard home policies don’t cover drain lines or sewer backups. You can, however, add this coverage as an endorsement.
  • Earthquake insurance: Earthquakes are another natural disaster not covered by most home insurance policies. While rare, you might want to protect against costly damages due to a seismic event.

Our Home Insurance Partners in New Hampshire

SelectQuote only works with highly rated carriers in New Hampshire and other states to ensure you find quality insurance coverage that meets your needs. Our partner home and auto insurance companies offer competitive rates and excellent customer service.

What is the average home insurance cost in New Hampshire?

The average monthly home insurance premium in New Hampshire is $97.92+. That number might differ, however, based on several factors. These include, but aren’t limited to:
  • The age and condition of your home
  • Your location
  • Your coverage limit
  • Your deductible
  • Your credit score
  • Applicable discounts for coverage

Homeowners Insurance Discounts in New Hampshire

New Hampshire home insurance customers have access to several discounts that can help them save on their insurance coverage. Many of the following discounts can stack, which adds up over time to create massive savings:
  • Paid-in-full discounts for paying premiums for an entire year ahead of time
  • New home or new construction discounts
  • Claims-free discounts
  • Safety discounts for smoke detectors, burglar alarms or sprinkler systems
  • Customer loyalty discounts
  • Profession based discounts
  • Bundled home and auto policies

Bundle Your Home and Auto Insurance to Save Money

Bundling your home and auto coverage with one carrier is one of the best ways to save money on coverage. SelectQuote makes it simple by comparing bundled insurance rates from several of the best carriers in New Hampshire and other states. We do the hard work and pass the savings onto you.
Get My Bundled Quote

Average Home and Auto Insurance Rates in New Hampshire

The following table shows average monthly home and auto insurance rates for real SelectQuote customers in select New Hampshire cities, as well as how much those customers pay for bundled home and auto insurance policies. Your rates will likely vary based on factors like location, previous claims filed, deductibles and the value of your home and vehicle(s).
CityAvg. Monthly Home Insurance RateAvg. Monthly Auto Insurance RateAvg. Monthly Rate of Bundled Policies
Laconia
$230.42
$119.00
$354.08
Manchester
$69.64
$69.88
$108.95
Nashua
$115.78
$139.10
$267.34
Rochester
$65.00
$79.12
$144.12
Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.

Auto Insurance in New Hampshire

New Hampshire is an interesting state because, unlike most other locations, car insurance isn’t a requirement. But that doesn’t mean you shouldn’t shop for coverage. Having auto insurance can help protect your finances if you’re involved in an accident with another vehicle. It also helps pay for any repairs that occur as a result of damage due to weather or other circumstances.

New Hampshire Auto Insurance Laws and Requirements

New Hampshire drivers are not legally required to purchase auto insurance, but that doesn’t mean you’re automatically off the hook for any accidents you cause. Because New Hampshire is an “at-fault” state, you must show the ability to pay for any injuries or damages that result from a car accident you’re found liable for.
If you’re going to purchase auto insurance in New Hampshire, it typically will include the following types of auto insurance coverage:
  • Bodily injury liability: This covers any expenses relating to the injury or death of another driver or pedestrian. New Hampshire requires this policy to have a $25,000 limit per person or $50,000 per accident.
  • Property damage liability: This covers expenses for damage of someone’s property, including homes, vehicles, buildings and other structures when you’re at fault. New Hampshire’s required limit is $25,000.
  • Uninsured motorist: Uninsured motorist coverage helps pay for your medical expenses if you’re in an accident and the other driver is found at fault, but doesn’t have insurance. Its limits are $25,000 per person or $50,000 per accident for medical coverage and $25,000 for property damage.
  • Underinsured motorist: This coverage helps cover expenses if you’re in an accident and the other driver is at fault and doesn’t have enough liability coverage.
  • Medical payments: If you or your passengers are hurt in an accident, it covers medical or funeral expenses. New Hampshire’s requirement for this policy is $1,000.
  • Collision: Collision coverage isn’t required in New Hampshire for any policy, but it’s still a good purchase. It covers damages that occur as a result of a collision with another vehicle or structure.
  • Comprehensive: Like collision coverage, it’s not required. But comprehensive coverage helps pay for replacement or repair for your vehicle if it is stolen or damaged by storms or vandalism.
Types of Coverage
Minimum State Requires
Bodily Injury Liability
$30,000 limit per person/$60,000 limit per accident
Property Damage Liability
$25,000 limit
Uninsured MotoristNot required
Underinsured MotoristNot required
Personal Injury ProtectionNot required
CollisionNot required
ComprehensiveNot required
Gap Insurance
Not Required

New Hampshire Teen Driving Laws

Teens can start learning to drive from the age of 15½ but must be at least 16 years old to apply for a driver’s license. Any person over 16 years old and under 21 years old who meets the requirements for a New Hampshire driver license will be issued a Youth Operator.1
During the first six months of holding the youth operator license, there are certain restrictions applicable for those under 18. One of these restrictions includes not operating a vehicle with more than one passenger less than 25 years of age who is not a member of the driver’s family unless accompanied by an adult. Moreover, unsupervised nighttime driving is not allowed for teens under the age of 16.2
Understanding these laws is crucial as they directly relate to auto insurance and coverage in New Hampshire. It’s important for consumers to be aware of how these laws affect their insurance policies and what requirements they need to meet.

New Hampshire Car Registration Information

In New Hampshire, registering a vehicle involves several key steps and requirements. When purchasing a vehicle in a private sale, a properly assigned title certificate must be presented to the town or city clerk where the resident resides.
The fee for vehicle registration in New Hampshire is based on the vehicle’s model year, the original factory list price of the vehicle, and the expiration date. If a replacement is needed, there is a fee of $4.00 per plate.
If you’re new to the state, you must obtain a New Hampshire Automobile Registration (plates) and Driver’s License within 60 days of moving into the state. For any questions or concerns regarding the Motor Vehicle Registration process, residents can email or call their local office.
When registering a vehicle, you will need a current New Hampshire driver’s license or out-of-state driver’s license and a utility bill or a rent/lease agreement. Registrations in New Hampshire are renewed every 12 months.
To apply for vehicle title and registration, you must be at least 18 years of age, present a valid driver’s license or non-driver photo ID, and apply in person.3,4

What is the average car insurance cost in New Hampshire?

Car insurance customers in New Hampshire who shop with SelectQuote pay an average monthly premium of $107.99+. That number, of course, can vary based on many factors. What you pay greatly depends on your driving record, location, type of vehicle(s) owned, annual usage and credit score.

Our Auto Insurance Partners in New Hampshire

SelectQuote partners with highly rated insurance companies in New Hampshire and other states to help you find the right kind of car insurance to meet your needs. We’ll compare rates from several companies at once and show you the best price available for your vehicle(s).

New Hampshire Home and Auto Insurance Frequently Asked Questions

Shopping for insurance to protect your home or vehicles may feel complicated, and it’s common to have questions about the process. Let’s walk through some of the most common insurance-related inquiries we hear.

How should I shop for homeowners insurance in New Hampshire?

The best way to shop for home and auto coverage in New Hampshire is to find someone to help you compare rates for both types of policies—or to bundle them together—at once. SelectQuote helps customers by comparing quotes from several different insurance providers in New Hampshire based on your coverage needs. We’ll present the lowest prices from carriers you can trust.

Do you need car insurance in New Hampshire?

In New Hampshire, car insurance is not legally required. However, drivers are expected to show proof of financial responsibility if found liable for causing damage or injury to another party in an accident. The state’s Motor Vehicle Financial Responsibility Law encourages the purchase of liability insurance as a way of demonstrating this financial responsibility.

Is New Hampshire a no-fault state for auto insurance?

New Hampshire is an “at-fault” state or auto insurance, which means drivers who are found responsible for causing a car accident are also responsible for any resulting harm. It is worth noting that New Hampshire is the only state that doesn’t mandate car insurance requirements. You do, however, have to demonstrate that you have sufficient funds to meet the state’s Motor Vehicle Financial Responsibility Requirements.5

SelectQuote Can Shop New Hampshire Home or Auto Insurance to Help Save You Time and Money

When shopping for home and auto insurance to protect your home or car in New Hampshire, you have plenty of options. SelectQuote can help you narrow them down and save you time and money. Let us compare rates from several of the best insurance companies in the state to find a bundled home and auto policy that meets your needs.
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