Best and cheapest homeowners insurance in New Hampshire for 2024

Best home insurance companies in New Hampshire: Amica Mutual

The best home insurance company in New Hampshire for 2024 is Amica Mutual. Auto-Owners, State Farm, Farmers, Allstate and Nationwide are among the top home insurance companies in New Hampshire based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

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Best home insurance in New Hampshire
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Amica Mutual	A+	0.35	4.85	$796
Auto-Owners	A++	0.37	4.75	$1,047
State Farm	A++	0.83	4.04	$1,148
Farmers	A	0.67	3.27	$1,055
Allstate	A+	1.46	3.27	$848
Nationwide	A+	1.05	3.01	$1,611

Data updated in 2024

Cheapest home insurance companies in New Hampshire: Vermont Mutual

Below are New Hampshire home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Our rate analysis shows that Vermont Mutual has the most affordable rates for all coverage limits except $200,000 dwelling coverage. Amica Mutual is the most affordable for $200,000 coverage limits at $607 annually.

Cheapest home insurance in New Hampshire
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Vermont Mutual	$630	$757	$899	$1,184	$1,754
Amica Mutual	$607	$796	$1,006	$1,433	$2,317
Allstate	$658	$848	$1,075	$1,372	$1,967
Auto-Owners	$851	$1,047	$1,275	$1,711	$2,552
Farmers	$802	$1,055	$1,309	$1,926	$3,316
State Farm	$902	$1,148	$1,312	$1,705	$2,405
Plymouth Rock Assurance	$1,082	$1,262	$1,446	$2,043	$2,893
USAA*	$1,056	$1,363	$1,641	$2,159	$3,122
Nationwide	$1,237	$1,611	$1,992	$2,794	$4,319
MMG Insurance	$1,327	$1,896	$2,468	$3,613	$5,901

*USAA only provides coverage to military members, veterans and their families.

Data updated in 2024

Average home insurance cost in New Hampshire

The average cost of homeowners insurance in New Hampshire is $1,221 a year or $102 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.
2% hurricane deductible

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different New Hampshire homeowners insurance companies to get the best deal.

New Hampshire home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in New Hampshire to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see that area's average home insurance rate. You will also see the highest and lowest premiums from major home insurers. Comparing home insurance rates will give you an idea of how much you can save.

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Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

The New Hampshire Insurance Department says...

Please remember, price should be only one consideration in the decision to purchase an insurance policy. The consumer should also consider coverage levels and offerings, the service(s) the insurance company provides, whether or not to use an independent agent or look for a company that sells directly to the consumer, whether to look for a company that sells over the internet, how the company handles claims, whether or not the insurance company uses the consumer's credit history in either their underwriting or pricing, and any other considerations of interest to the consumer.

- The New Hampshire Insurance Department

The most expensive ZIP codes in New Hampshire for home insurance

New Hampshire homeowners insurance rates are the most expensive for ZIP code 03870 with an average annual cost of $1,699.

The most expensive ZIP codes in New Hampshire are:

ZIP code	Average annual rates
03870	$1,699
03874	$1,682
03842	$1,507
03871	$1,444
03844	$1,443
03862	$1,443

Data updated in 2024

The least expensive ZIP codes in New Hampshire for home insurance

The cheapest ZIP codes for home insurance in New Hampshire are:

ZIP code	Average annual rate
03051	$1,211
03052	$1,211
03458	$1,215
03084	$1,215
03082	$1,216
03086	$1,216

Data updated in 2024

Compare homeowners insurance rates by city in New Hampshire

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in New Hampshire.