Average renters insurance cost in New Hampshire
New Hampshire is one of the cheapest states in the country for renters insurance, ranking #5 of 50. At $17 a month, coverage here runs about 26% below the national average — protecting everything you own costs less than a streaming subscription.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
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How New Hampshire compares with its neighbors
| State | Monthly rate | Difference vs NH |
|---|---|---|
| New Hampshire | $17 | — |
| Vermont | $17 | +$0/mo |
| Maine | $17 | +$0/mo |
| Massachusetts | $18 | +$1/mo |
New Hampshire renters insurance FAQ
How much is renters insurance in New Hampshire?
Renters insurance in New Hampshire averages $17 per month — about $204 per year — for a typical policy with roughly $30,000 in personal property coverage and $100,000 in liability. Your exact rate depends on your coverage limits, deductible, claims history and, in most states, your credit-based insurance score.
Is renters insurance required in New Hampshire?
No state law requires renters insurance in New Hampshire — but landlords can and frequently do require it as a lease condition. Even when it's optional, going without it means one apartment fire or burglary could cost you everything you own, against a premium of roughly $17 a month.
How can I pay less than $17/month in New Hampshire?
Three moves reliably beat the state average: bundle renters with your auto policy (typically the single biggest discount), raise your deductible from $250 to $1,000 if you can absorb it, and compare quotes — carrier pricing for identical coverage varies widely, with the cheapest national carriers averaging around $14/month.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
Compare renters insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.