Who Has The Cheapest Renters Insurance Quotes in New Hampshire?

To see who has the cheapest and most expensive renters insurance rates in New Hampshire, we evaluated quotes for a sample property (a rental property with roughly 1,000 square feet of living space and $100,000 in liability coverage). The results showed that the most expensive renters insurance rates were 23% higher than the cheapest. Since we used one sample property, the rates have comparative value, but are not indicative of what all tenants can expect to pay for their renters insurance. Read more below, or enter your zip code above to begin searching for renters insurance quotes.

Cheapest Renters Insurance in New Hampshire

To find the cheapest renters insurance provided in New Hampshire, we studied the average annual rates of Allstate, Nationwide, Liberty Mutual, State Farm, and Amica using quotes for a sample rental property of 1,000 square-feet. For our sample renters policy, we found that Allstate had the cheapest average annual rate of $139, which is approximately 19% lower than the average annual rate for New Hampshire. Here are the average annual rates for five major carriers of insurance, ranked from most affordable to least affordable:

RankCheapest Renters Insurance CompanyAverage Annual Rates
1 Allstate $139
2 Amica 164
3 State Farm 181
4 Liberty Mutual 183
5 Nationwide 190
Average 171

The above rates were for a profiled property. To find the best rates for yourself, we recommend that you look up quotes from multiple companies and compare them. 

Best Renters Insurance Rates in New Hampshire: by City

The five places with the best renters insurance rates in New Hampshire are located throughout the state. Given that that the state is small and all of it is subject to similar claims, this was not surprising. In some states, such as Mississippi, the cheapest and most expensive places for renters insurance fall in different regions of the state. Lebanon had the cheapest renters insurance premiums in New Hampshire, with rates 9.12% lower than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Lebanon $155 -9.12%
2 Berlin 156 -9.06%
3 Hanover 156 -9.05%
4 Claremont 157 -8.24%
5 Laconia 157 -8.15%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Lebanon, NH

Lebanon has the best renters insurance rates in New Hampshire. The city was named after Lebanon, Connecticut and today has a population of about 13,100 residents. Reverend Eleazar Wheelock, who later went on to found Dartmouth College, was one of the early settlers in the city. Renters insurance premiums in Lebanon are 9.12% lower than the state average. 

Berlin, NH

The city of Berlin is located in northern New Hampshire and has a population of about 10,000 residents. The Atlantic and St. Lawrence railroad entered Berlin in 1851 and a number of industries, including the lumber industry, have operated there. Earl Silas Tupper, the man who invented Tupperware is from Berlin. The city also has some of the best renters insurance rates in New Hampshire, with premiums 9.06% lower than the state average.

Hanover, NH

Hanover is a town with just over 11,000 residents named after Hanover, Connecticut. The first settlers of the area arrived in 1765. In 2011, CNN and Money magazine named Hanover the sixth best town in the United States to live in. The town also is home to Dartmouth College, an Ivy League University annually ranked one of the best in the county. Some notable alumni include American poet Robert Frost, a number of professional athletes, scholars and politicians such former United States Secretary of the Treasury Timothy Geithner. Renters insurance premiums in Hanover are 9.05% lower than the state average.

Claremont, NH

Claremont was named after Claremont Castle, the estate of Thomas Pelham Holles, the Earl of Clare and cousin of colonial governor Benning Wentworth. It was at first inhabited by the settlers who built a dam across Sugar River, as well as a sawmill and gristmill. The city became an important industrial town for textile and paper in the 1800s. Today, the city maintains a number of historical sites and has cheap renters insurance. Renters insurance rates are 8.24% lower than the state average. 

Laconia, NH

With more than 15,000 residents, Laconia is known for its festivals. Two of the most popular are its annual motorcycle week ending on Father’s Day and a pumpkin festival. Renters insurance quotes in Laconia also are 8.15% lower than the state average. 

Most Expensive Renters Insurance in New Hampshire

Unlike the five cheapest places for rentes insurance in New Hampshire, the five most expensive places are located in the southeast corner of the state. Pelham has the most expenesive premiums, with rates 11.5% higher than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Pelham $191 11.50%
2 Windham 190 11.06%
3 Conway 188 10.18%
4 Nashua 188 10.08%
5 Hampton 187 9.38%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Pelham, NH

Pelham was originally part of Old Dunstable but separated from it in 1741. The town was named after Henry Pelham, a Prime Minister of the United Kingdom. Premiums for renters insurance are 11.50% higher in Pelham than the state average.

Windham, NH

In 1719, Scottish immigrants became the first Europeans to settle in Windham. The town of was named in honor of Sir Charles Wyndham, the 2nd Earl of Egremont. Today, the town is full of municipal recreational activities such as a golf course, tennis courts and other outdoor pursuits. Windham Renters insurance rates in Windham are 11.06% higher than the state average. 

Conway, NH

Originally named Darby Field in 1642, permanent settlers arrived in 1764 and renamed the town Conway after Henry Seymour Conway, the Commander in Chief of the British Army. Today it is a popular place for tourists interested in the scenery and outdoor activities of the White Mountain National Forest. Renters insurance premiums in Conway are 10.18% higher than the average in the state. 

Nashua, NH

The city of Nashua has more than 86,000 residents and is served by the Nashua Municipal Airport. The Boston Express provides bus transportation to Boston. The city was built on the textile industry, which has since departed, but others have filled the void and Bashua was recently ranked one of the best places to live in the U.S. Quotes for the study sample property were 10.08% higher than the state average. 

Hampton, NH

Reverend Stephen Bachiler and a group of parishioners first settled the area in 1638 and named it after Hampton, England. The first railroad in the 1850s made the coastal town more accessible and sparked its attraction as a beach town. Renters insurance rates in Hampton are some of the most expensive in the state. Premiums are 9.38% higher than the state average.

Average Cost of Renters Insurance in New Hampshire: by City

Our comparative study of renters insurance premiums in New Hampshire was done by gathering and analyzing quotes from five major carriers across 28 cities in the state. Our analysis showed premiums from the most expensive place were 23% higher than the cheapest place in the state. That difference between the cheapest and the most expensive premiums is far from dramatic in comparison to other states. For example, the most expensive city in Delaware is only 7% more expensive that the cheapest, while the difference in the state of Texas is 74%. 

Study Methodology

Our study examined renters insurance quotes for a 1,000-square-foot residence with at least $25,000 in personal property coverage and $100,000 in liability coverage. We then collected quotes for that sample residence from five of the major carriers that offer a renters insurance product in the state of New Hampshire. We averaged rates for the sample home in each city as a benchmark to show which cities are relatively cheaper or more expensive. Those comparative values are not indicative of what tenants can expect to pay for an annual renters insurance premium.

RankCityAverage Annual Rate% Difference vs State Average
7 Amherst $163 -4.47%
2 Berlin 156 -9.06%
4 Claremont 157 -8.24%
17 Concord 174 1.53%
26 Conway 188 10.18%
9 Derry 164 -4.19%
20 Dover 181 5.88%
21 Durham 181 5.98%
8 Exeter 163 -4.39%
18 Goffstown 181 5.66%
24 Hampton 187 9.38%
3 Hanover 156 -9.05%
6 Hooksett 158 -7.47%
12 Hudson 164 -3.88%
16 Keene 173 1.30%
5 Laconia 157 -8.15%
1 Lebanon 155 -9.12%
14 Londonderry 165 -3.34%
19 Manchester 181 5.68%
11 Merrimack 164 -4.02%
25 Nashua 188 10.08%
28 Pelham 191 11.50%
22 Portsmouth 182 6.26%
15 Raymond 171 0.21%
13 Rochester 165 -3.77%
23 Salem 182 6.34%
10 Somersworth 164 -4.19%
27 Windham 190 11.06%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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