Who Has the Cheapest Homeowners Insurance Quotes in New Hampshire?

Find the Cheapest Homeowners Insurance Quotes in Your Area

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New Hampshire has the 21st most affordable homeowners insurance rates in the United States according to a recent study done by the Insurance Information Institute. In order to take that further, the team at ValuePenguin decided to study the homeowners insurance rates inside of New Hampshire to see how different areas of the state compared to one another. The nine areas we looked at were: Nashua, Manchester, Keene, South Rural NH, Concord, Lebanon, Portsmouth, Berlin, and North Rural NH. Our study will detail which of these areas in NH were the cheapest and most expensive, in addition to showing you which companies had the most affordable rates in 'The Granite State'. Read more below, or get started on finding homeowners insurance quotes with our quote tool.

Cheapest Homeowners Insurance Companies in New Hampshire

As part of our study we looked at 33 different home insurance underwriters (grouped into 26 parent companies) operating throughout NH in order to compare which insurers had the best rates statewide. The average annual cost for our sample property came out to $926, with Safeco, Patriot Insurance, York Insurance, Citizens Insurance, and MetLife placing as the best home insurance companies with the cheapest rates. Safeco ranked with the cheapest average home insurance rates of $472 a year for our example house, and the most expensive was Commerce Insurance at $1,953.

ValuePenguin found the carrier with the best homeowners insurance rates in new Hampshire was Safeco.

Find the Cheapest Homeowners Insurance Quotes in Your Area

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Best Homeowners Insurance Rates in New Hampshire: by City

New Hampshire's cheapest areas for homeowners insurance are located in southern NH and are the first and second largest cities in the state.


New Hampshire's 2nd largest city and nicknamed "The Gate City", Nashua is home to almost 90,000 people who enjoy the town's close proximity to the White Mountains, the Atlantic Ocean, and Boston. Because of this, Nashua was even named the #1 Place To Live in the country in 1987 and 1997, and still garners top votes to this day. Nashua residents will also be happy to know that their home insurance costs are the lowest in the state with homeowners paying an average of $861 per year for their coverage.


The Queen City of Manchester, NH is located right off I-93 about 18 miles north of our first place finisher, Nashua. Manchester, amongst other things, is the largest city in New Hampshire with more than 110,000 residents. The city is known for being a tax friendly town (ranked 2nd by Kiplinger behind Anchorage, AK) and for its incredibly cheap cost of living. Our study shows that when it comes to the cost of insuring your home you'll also be happy you live in Manchester because rates are the 2nd cheapest in the state at $914 annually.

Most Expensive Homeowners Insurance in New Hampshire

The two most expensive areas of NH to insure your home both sit in the northern half of the state and away from NH's larger cities.

North Rural New Hampshire

We wanted to not only look at cities in New Hampshire but smaller rural areas that were representative of the vast land outside city centers. Our study looked at a typical rural town in the southern half of the state and one in the northern half of the state. In this case, the towns in northern rural NH ended up being the priciest places to buy a homeowners insurance policy. Average rates in areas like Jackson, NH were $958 per year making them the most expensive in New Hampshire.


This city of 10,000+ is located in Coos County and is nicknamed "The City That Trees Built" because of the cities dependence on its greatest natural resource. Berlin is also the northernmost city that we looked at in our study. Citizens of the town have the 2nd highest home insurance rates in New Hampshire at $951 per year or an average of $79 per month.

Average Cost of Homeowners Insurance in New Hampshire: by City

As part of our study we looked at 7 cities and both a small northern and southern rural town. The prices depending on where you live and if you're living in an old house or new house vary from $743 to $1,091.

A study by ValuePenguin found the place with the best motorcycle insurance rates in New Hampshire was Nashua.

Map of New Hampshire

Below we have a map of New Hampshire with all 9 areas numbered from least expensive (Nashua) to most expensive (North Rural NH). You'll notice the two cheapest cities are in Hillsborough County while the two most expensive areas are much further north.

Map of New Hampshire

Home Insurance Costs in New Hampshire: New vs. Old.

Our analysis of New Hampshire home insurance companies looked at 33 insurers operating within the state. Below these companies are listed from cheapest (Safeco) to most expensive (Commerce Insurance). Further, we've looked at quotes for both a "New" home and an "Old" home to show you the difference in pricing. Details on what constitutes "New" and "Old" can be found in the Methodology below the table.

Insurance Company

New HomeOld HomeAverage

Safeco Ins Co Of Amer


Interins Exch Of The Automobile Club


Patriot Ins Co


Vermont Mut Ins Co


Citizens Ins Co Of Amer


York Ins Co of ME


Concord Gen Mut Ins Co


NGM Ins Co


Metropolitan Prop & Cas Ins Co


Massachusetts Bay Ins Co


Metropolitan Grp Prop & Cas Ins Co


Middlesex Mut Assur Co


MT WA Assur Corp


MMG Ins Co


Nationwide Prop & Cas Ins Co


Liberty Ins Corp


New England Guar Ins Co Inc


Phenix Mut Fire Ins Co


Amica Mut Ins Co


Nationwide Mut Fire Ins Co


Union Mut Fire Ins Co


Vigilant Ins Co


Travelers Home & Marine Ins Co


USAA Cas Ins Co


United Serv Automobile Assn


Standard Fire Ins Co


Merrimack Mut Fire Ins Co


Allstate Prop & Cas Ins Co


Cambridge Mut Fire Ins Co


Foremost Ins Co Grand Rapids MI


State Farm Fire & Cas Co


Co Operative Ins Co


Commerce Ins Co


Our Methodology

The quotes we put together averaged the premiums from two different house types: a single family wood frame house, built in 1985 (New) and a single family wood frame house, built in 1890 (Old). The newer home's replacement value is $200,000 and the full replacement value for its contents is $140,000. The older home's replacement value is $300,000 and full replacement value for its contents is $150,000. Insurance rates were analyzed for 33 separate insurance companies

Surveyed homeowners insurance costs in New Hampshire are for illustrative purposes only and actual quotes will vary based on your physical residence, claims history, and other factors.

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