🏠 Home insurance cost in New Hampshire (2026)
The estimated average is $1,265 per year — below the national average (-45% vs. the U.S. average of $2,300).
New Hampshire is home to about 1.4 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Manchester typically differ from smaller towns.
Estimate your home insurance in New Hampshire
New Hampshire home insurance estimator
Starts from the New Hampshire average. Estimate only — get quotes to confirm.
Home insurance cost in New Hampshire cities
| City | Population | Est. home insurance |
|---|---|---|
| Manchester | 115,644 | $1,265 |
| Nashua | 91,322 | $1,214 |
| Concord | 44,008 | $1,214 |
New Hampshire home insurance FAQ
How much is home insurance in New Hampshire?
The estimated average home insurance in New Hampshire is $1,265 per year, which is below the national average (-45% vs. the U.S. average of $2,300). New Hampshire ranks 48 of 51 states from most to least expensive.
Why is home insurance cheaper in New Hampshire?
Home insurance pricing in New Hampshire reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Northeast.
How can I save on home insurance in New Hampshire?
Compare at least three quotes from insurers active in New Hampshire, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.