New Hampshire auto insurance averages - $986.84 per year in 2023, ranked #36 of 51 states. NAIC Auto Insurance Database (June 2025 release).
New Hampshire sits below the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $986.84 ▲12.0% | $482 |
| 2022 | $880.82 ▲4.5% | $444 |
| 2021 | $843.18 ▼0.6% | $430 |
| 2020 | $848.30 ▼1.9% | $431 |
| 2019 | $864.76 | $443 |
Evidence lead: Year-by-year shape
New Hampshire's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Year-by-year shape
New Hampshire has 2 declining annual steps and 2 rising steps in the four comparisons. The latest change is +12.0% from 2022 to 2023; the largest absolute step is +12.0% in 2023. The endpoint result should therefore be read as an uneven sequence, not a steady trend.
Five-year movement
From 2019 to 2023, New Hampshire changed +14.1%, ranking #37 of 51 for growth in average expenditure. The state moved more slowly than the central cohort. A slower statewide change does not imply a particular resident's renewal was stable; the source tracks an aggregate across the market.
2023 cost position
At $986.84, New Hampshire ranks #36 of 51 by 2023 average expenditure. That puts the state in the lower-cost portion of this particular NAIC measure. The ordering is comparative only; it does not control for driver history, limits, deductibles, vehicle choice, or the share of residents purchasing optional coverages.
Coverage-component signature
New Hampshire's most distinctive 2023 component is comprehensive: $158.20, or 36.5% below the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Moderate registry context
In the linked NAIC-derived registry, New Hampshire has 6,166 complaints distributed across 46 companies. The two coverage ranks are #27 and #27 of 51, a middle-lower footprint. Read those denominators with the complaint profile itself; neither count is a normalized complaint rate or evidence about why average auto expenditure moved.
Nearest expenditure peers. By average expenditure, New Hampshire's closest peers in this dataset are Nebraska ($980.31) and Montana ($975.01), both within a few dollars of New Hampshire's own $986.84.
Note on state comparisons: These averages reflect the mix of coverages purchased in New Hampshire, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
