How much does new car dealer insurance cost in New Hampshire? (2026)

Recent rate-filing activity — 1 state filings across 1 commercial line

Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting new car dealer operations, each cited to the regulator or bureau filing it came from.

Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.

National context — New Car Dealer insurance overview

A franchised new-car dealership insures a lot full of high-value inventory and a stream of test drives, which is why our own quote data shows buyers here requesting commercial auto and a package more than almost any trade. Three dealer-specific lines carry it: garage liability for injuries and damage from dealership operations including test drives and on-lot incidents, garagekeepers for a customer's vehicle in your care, custody or control for service, and dealers open lot for the inventory itself against theft, weather and vandalism. (For a used lot, see used car dealer insurance — a franchised store adds manufacturer requirements and F&I exposure.)

As an industry-typical estimate, dealers commonly carry garage liability around $1,000,000/$2,000,000, garagekeepers of $50,000–$250,000 per customer vehicle, and open-lot limits matched to peak on-lot inventory value. No insurance bureau publishes dealership premiums, so every dollar here is an estimate; each fact is sourced to a named authority (IRMI, III). Use the calculator below, then get a real quote in 5 minutes.

Industry-typical market ranges (national)

Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form

Coverage lines a new-car dealership typically carries (industry-typical estimates):

• Garagekeepers: a customer's vehicle damaged while in your care for service or a test drive. IRMI garagekeepers.
• Dealers open lot: your inventory on the lot against theft, hail and vandalism — matched to peak on-lot value. IRMI care, custody or control.
• Commercial (garage) auto & liability: test drives, dealer plates and on-lot injuries. III commercial auto.
• Workers' compensation: mandatory for sales and service staff in nearly every state. III workers comp.

Inventory value, service-department size and franchise/manufacturer requirements are primary rating factors.

For New Hampshire-specific direction, see the filed-rate table above.

Get your actual New Hampshire quote in 5 minutes

The data above is regulator-filed direction. Your actual New Hampshire quote depends on class code, payroll, experience modifier, and the LCM each carrier files.

More New Hampshire rate-filing detail

• All New Hampshire commercial rate filings (every line, every recent filing) — the broader rate-data view for New Hampshire
• Rate filings by state — directory of all 47+ states with active filings
• National Rate Change Tracker — every filing across every state, sortable

Get a real New Hampshire quote for new car dealer

The data above shows the regulator-filed direction for New Hampshire. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.

Related guides

• Used Car Dealer insurance
• General Liability glossary entry
• Our sourcing methodology

Sources cited (national context above)

1. Garagekeepers Insurance — International Risk Management Institute (IRMI), 2024
2. Care, Custody, or Control — International Risk Management Institute (IRMI), 2024
3. Commercial Auto Insurance — Insurance Information Institute (III), 2024
4. Workers Compensation Insurance — Insurance Information Institute (III), 2024