New Hampshire vs Virginia Car Insurance

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

Quick Verdict

More Affordable

New Hampshire is $530/yr cheaper on average.

Fewer Uninsured

New Hampshire has a lower uninsured rate (6.1% vs 9.6%).

Rate & Coverage Comparison

Attribute	New Hampshire	Virginia
Avg Annual Premium	$1,050	$1,580
Min Liability	$340	$520
Full Coverage	$1,050	$1,580
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	6.1%	9.6%
Registered Vehicles	1,129,960	7,077,420
Accidents/Year	16,949	106,161
Population	1,378,000	8,631,000

Minimum Coverage Requirements

New Hampshire

25/50 / 25 liability

Virginia

30/60 / 20 liability

Premium Comparison

New Hampshire$340 – $1,050

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

Virginia$520 – $1,580

Liability: $520Avg: $1,580Full: $1,580

New HampshireFull rates, age breakdown, requirements →VirginiaFull 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, New Hampshire or Virginia?

New Hampshire has cheaper car insurance, with an average annual premium of $1,050 compared to $1,580 in Virginia - a difference of $530 per year.

How do New Hampshire and Virginia compare on fault systems?

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

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

New Hampshire requires 25/50 / 25 liability. Virginia requires 30/60 / 20 liability. Minimum liability costs $340/yr in New Hampshire and $520/yr in Virginia.

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

Virginia has a higher uninsured driver rate at 9.6%, compared to 6.1% in New Hampshire. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the New Hampshire vs Virginia 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

New Hampshire

Virginia

Avg Annual Premium

$1,050

$1,580

Min Liability

$340

$520

Full Coverage

$1,050

$1,580

Fault System

At-Fault (Tort)

Uninsured Rate

6.1%

9.6%

Registered Vehicles

1,129,960

7,077,420

Accidents/Year

16,949

106,161

Population

1,378,000

8,631,000