Cheapest car insurance in New Hampshire

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According to Insure.com’s analysis, Auto-Owners has the cheapest car insurance rates for most drivers in New Hampshire at $803 annually. However, your rates may be higher or lower based on personal factors such as your driving record, ZIP code and vehicle type.

To comply with New Hampshire’s car insurance laws, drivers must carry at least the minimum liability coverage required. It consists of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

However, many vehicle owners prefer to invest in full-coverage car insurance for better coverage and added protection.

Below, you’ll find which insurance companies are the most affordable for different categories.

Cheapest overall: Auto-Owners

$803/year

National avg. rate

Cheapest for at-fault accident: Auto-Owners

$1,154/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: Auto-Owners

$921/year

Avg. rate after speeding ticket

Cheap car insurance companies in New Hampshire

Auto-Owners offers New Hampshire’s most affordable car insurance rates, at $803 per year, 37% less than the state’s annual cost. However, your rate may differ based on personal factors like your driving history, ZIP code and vehicle type.

When looking for auto insurance, make sure to compare quotes from at least three different companies to ensure you’re getting the best coverage.

The table below shows the most affordable car insurance companies and their average annual premiums.

How we choose the cheapest car insurance companies in New Hampshire

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in New Hampshire

In New Hampshire, the 3431 ZIP code has the most affordable car insurance rates at $1,167. The table below shows the cheapest ZIP codes for car insurance rates.

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Cheapest car insurance in New Hampshire by age

Teen drivers in New Hampshire pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. A 16-year-old driver pays $3,968 more than a 40-year-old driver in New Hampshire, based on Insure.com’s analysis.

The table below shows the cheapest car insurance rates for drivers of different ages:

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Cheapest car insurance in New Hampshire by driver history

Your driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.

Cheapest car insurance after a speeding ticket in New Hampshire

Below is a list of the top three companies that provide affordable car insurance for drivers with a speeding ticket.

• Auto-Owners: $921 per year
• Progressive: $1,772 per year
• Nationwide: $1,909 per year

A single speeding ticket in New Hampshire can cause your insurance rates to go up by 37%, or $469, according to Insure.com’s analysis.

Dealing with a speeding ticket can be a hassle, as it involves paying a fine and facing increased insurance rates. However, there are some insurers who offer affordable premiums to drivers with a speeding ticket on their record.

Cheapest car insurance after an accident in New Hampshire

Here are the top three companies that offer cheap car insurance after an accident:

• Auto-Owners: $1,154 per year
• State Farm: $1,271 per year
• The Hanover: $1,603 per year

Auto-Owners offers the cheapest car insurance rates to drivers after an at-fault accident at about $1,154 a year.

If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.

Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

Cheapest car insurance after a DUI conviction in New Hampshire

Here are the top three insurers that provide affordable car insurance rates after a DUI conviction.

• Auto-Owners: $1,400 per year
• The Hanover: $1,484 per year
• State Farm: $1,513 per year

A DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.

The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.

Average car insurance cost in New Hampshire

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in New Hampshire is $630 less than the national average car insurance rates in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.

What is full coverage car insurance in New Hampshire?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in New Hampshire, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

Final thoughts

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to get the cheapest coverage in New Hampshire.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in New Hampshire. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.