State risk profile
New Hampshire
AutoRiskIQ explains the location-level forces that influence auto insurance pressure across New Hampshire. Scores are informational and focus on relative risk, not individual outcomes.
Score status
57
/ 100
Percentile-based relative to national average.
Updated 2025-12-30.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for New Hampshire
Accident & Exposure Risk
Crash frequency, severity, and traffic density exposure relative to national patterns.
Weather & Environmental Risk
Severe weather exposure is near the national midpoint based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are near the national midpoint, with inflation pressure above the national distribution.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is above the national distribution, complaint severity is near the national midpoint, litigation environment is near the national midpoint.
Theft & Fraud Exposure
Vehicle theft rates are below the national distribution.
Market Structure Context
Market structure signals show rate filing activity is near the national midpoint, market concentration is below the national distribution.
Live traffic context
Active incident feeds in New Hampshire
State DOT 511 feeds offer a near-term view of disruptions that can raise short-term claim and repair pressure.
Counts reflect active incidents reported by public traffic systems, not a full crash census.
Risk spotlight
Cost Pressure & Repair Economics in New Hampshire
We highlight the highest-pressure risk signal in New Hampshire and show the public inputs that drive the score.
74
/ 100
Repair cost levels are near the national midpoint, with inflation pressure above the national distribution.
Repair cost level
Baseline repair cost levels using CPI index levels, regional price parity, and repair wage benchmarks.
Sources: BLS CPI (auto repair), BEA RPP, BLS OEWS wages
Repair cost inflation
Year-over-year repair inflation with local labor cost multipliers.
Sources: BLS CPI (auto repair), Industry repair indices
Vehicle mix risk
Luxury and EV share with repair cost modifiers.
Sources: State vehicle registration summaries
Premium pressure context
How premiums compare with risk in New Hampshire
This context index uses public NAIC average premium data to show how pricing pressure compares with the risk baseline. It is not a quote or a recommendation.
16
/ 100
Average combined premium: $1,032
Premium pressure sits below the current risk baseline, which can reflect competitive or timing effects.
Why this can happen
- Rate adjustments can lag current loss experience and risk shifts.
- Market structure and competition can push premiums above or below modeled risk.
- Repair costs, litigation pressure, or catastrophe load can amplify pricing beyond baseline risk signals.
State context
Data-backed context for New Hampshire
This section summarizes the strongest public signals behind the state score, highlights trend direction, and flags shifts in claim friction and repair pressure.
Leading signals
Cost & Repair Pressure
Repair cost levels are near the national midpoint, with inflation pressure above the national distribution.
Weather & Environmental Risk
Severe weather exposure is near the national midpoint based on FEMA hazard signals.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is above the national distribution, complaint severity is near the national midpoint, litigation environment is near the national midpoint.