Maryland vs New Hampshire Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

New Hampshire is $820/yr cheaper on average.

Fewer Uninsured

New Hampshire has a lower uninsured rate (6.1% vs 12.2%).

Rate & Coverage Comparison

Attribute	Maryland	New Hampshire
Avg Annual Premium	$1,870	$1,050
Min Liability	$610	$340
Full Coverage	$1,870	$1,050
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	12.2%	6.1%
Registered Vehicles	5,065,140	1,129,960
Accidents/Year	75,977	16,949
Population	6,177,000	1,378,000

Minimum Coverage Requirements

Maryland

30/60 / 15 liability

New Hampshire

25/50 / 25 liability

Premium Comparison

Maryland$610 – $1,870

Liability: $610Avg: $1,870Full: $1,870

New Hampshire$340 – $1,050

Liability: $340Avg: $1,050Full: $1,050

MarylandFull rates, age breakdown, requirements →New HampshireFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Maryland or New Hampshire?

New Hampshire has cheaper car insurance, with an average annual premium of $1,050 compared to $1,870 in Maryland - a difference of $820 per year.

How do Maryland and New Hampshire compare on fault systems?

Maryland uses a at-fault (tort) system while New Hampshire uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Maryland vs New Hampshire?

Maryland requires 30/60 / 15 liability. New Hampshire requires 25/50 / 25 liability. Minimum liability costs $610/yr in Maryland and $340/yr in New Hampshire.

Which state has more uninsured drivers, Maryland or New Hampshire?

Maryland has a higher uninsured driver rate at 12.2%, compared to 6.1% in New Hampshire. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Maryland vs New Hampshire insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Maryland

New Hampshire

Avg Annual Premium

$1,870

$1,050

Min Liability

$610

$340

Full Coverage

$1,870

$1,050

Fault System

At-Fault (Tort)

Uninsured Rate

12.2%

6.1%

Registered Vehicles

5,065,140

1,129,960

Accidents/Year

75,977

16,949

Population

6,177,000

1,378,000