New Hampshire vs Wisconsin Car Insurance

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

Quick Verdict

More Affordable

New Hampshire is $230/yr cheaper on average.

Fewer Uninsured

New Hampshire has a lower uninsured rate (6.1% vs 8.5%).

Rate & Coverage Comparison

Attribute	New Hampshire	Wisconsin
Avg Annual Premium	$1,050	$1,280
Min Liability	$340	$420
Full Coverage	$1,050	$1,280
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	6.1%	8.5%
Registered Vehicles	1,129,960	4,833,080
Accidents/Year	16,949	72,496
Population	1,378,000	5,894,000

Minimum Coverage Requirements

New Hampshire

25/50 / 25 liability

Wisconsin

25/50 / 10 liability

Premium Comparison

New Hampshire$340 – $1,050

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

Wisconsin$420 – $1,280

Liability: $420Avg: $1,280Full: $1,280

New HampshireFull rates, age breakdown, requirements →WisconsinFull 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 Wisconsin?

New Hampshire has cheaper car insurance, with an average annual premium of $1,050 compared to $1,280 in Wisconsin - a difference of $230 per year.

How do New Hampshire and Wisconsin compare on fault systems?

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

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

New Hampshire requires 25/50 / 25 liability. Wisconsin requires 25/50 / 10 liability. Minimum liability costs $340/yr in New Hampshire and $420/yr in Wisconsin.

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

Wisconsin has a higher uninsured driver rate at 8.5%, compared to 6.1% in New Hampshire. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the New Hampshire vs Wisconsin 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

Wisconsin

Avg Annual Premium

$1,050

$1,280

Min Liability

$340

$420

Full Coverage

$1,050

$1,280

Fault System

At-Fault (Tort)

Uninsured Rate

6.1%

8.5%

Registered Vehicles

1,129,960

4,833,080

Accidents/Year

16,949

72,496

Population

1,378,000

5,894,000