As automotive insurance coverage costs go up, New Hampshire drivers ought to examine completely different coverage choices to seek out the most cost effective protection. Our critiques crew has researched the most effective automotive insurance coverage firms nationwide. We fastidiously examined the status, buyer satisfaction, protection choices, and common premiums of every supplier.
In this overview, we are going to present you the highest strategies to avoid wasting money on insurance coverage and the place to seek out essentially the most inexpensive automotive insurance coverage in New Hampshire that matches your driving profile.
Key Points
- Hanover is the most cost effective automotive insurance coverage firm in New Hampshire total, with a median price of $17 per 30 days for minimal protection and $134 per 30 days for full protection.
- USAA and Auto-Owners additionally provide inexpensive automotive insurance coverage charges for a lot of driver profiles.
- If you’re beneath 25 or have site visitors violations in your file, your automotive insurance coverage charges will likely be greater than the typical.
- You can save on automotive insurance coverage by choosing minimal protection, on the lookout for reductions, growing your deductible, and bundling your auto insurance coverage with different insurance policies.
Different automotive insurance coverage firms assess driver profiles in numerous methods, which means that the supplier that provides the bottom charges for one driver might not be essentially the most inexpensive choice for you. To illustrate this, here’s a abstract of essentially the most cheap auto insurance coverage suppliers and their charges for various kinds of drivers in New Hampshire.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum protection | Hanover | $17 | $210 |
| Full protection | Auto-Owners | $81 | $970 |
| 16-year-olds | Hanover | $42 | $498 |
| 45-year-olds | Hanover | $18 | $216 |
| High-risk drivers | Hanover | $22 | $266 |
| After a rushing ticket | Hanover | $17 | $210 |
| After an accident | Hanover | $26 | $307 |
| After a DUI | Hanover | $23 | $282 |
| Poor credit score drivers | Auto-Owners | $27 | $323 |
*Unless acknowledged in any other case, common prices are minimum-coverage charges for single male drivers between the ages of 25 and 35 with good credit score and a clear driving historical past.
What Is The Cheapest Car Insurance Company In New Hampshire?
In basic, we found that Hanover gives essentially the most inexpensive automotive insurance coverage in New Hampshire for many varieties of drivers. The following sections will cowl the typical month-to-month prices of each minimum- and full-coverage automotive insurance coverage from the most cost effective firms in New Hampshire.
These charges apply to drivers in New Hampshire who’re of assorted ages, dwelling in several areas, and have completely different driving experiences. The most cost-effective firms are organized by minimal protection prices.
Cheapest Minimum Coverage In New Hampshire: Hanover
Drivers on the lookout for essentially the most inexpensive protection that simply meets New Hampshire state minimal necessities might discover it at Hanover for about $17 per 30 days or $210 per 12 months on common.
| Cheapest Car Insurance in New Hampshire | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Hanover | $17 | $210 |
| USAA | $25 | $303 |
| Auto-Owners | $27 | $323 |
| State Farm | $27 | $328 |
| MMG | $33 | $397 |
| Safety | $37 | $443 |
| GEICO | $40 | $476 |
| Progressive | $49 | $587 |
| Farmers | $56 | $675 |
| Allstate | $70 | $845 |
Cheapest Full Coverage In New Hampshire: Auto-Owners
If you need higher and extra full protection on the most inexpensive value, Auto-Owners is the only option. The supplier presents full-coverage insurance coverage for a median of $81 per 30 days.
Full-coverage insurance coverage insurance policies in New Hampshire typically embrace legal responsibility insurance coverage, uninsured/underinsured motorist protection, collision protection, and complete insurance coverage.
| Cheapest Car Insurance in New Hampshire | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Auto-Owners | $81 | $970 |
| USAA | $95 | $1,143 |
| State Farm | $101 | $1,217 |
| MMG | $108 | $1,299 |
| Progressive | $122 | $1,467 |
| Safety | $124 | $1,488 |
| GEICO | $130 | $1,561 |
| Hanover | $134 | $1,602 |
| Allstate | $197 | $2,361 |
| Farmers | $206 | $2,472 |
Cheapest Car Insurance In New Hampshire: Age
Below, you’ll discover common insurance coverage prices for New Hampshire drivers ages 16 to 55 in addition to the highest 5 most inexpensive automotive insurance coverage firms for every age group. Drivers who’re between the ages of 30 and 55 typically obtain essentially the most inexpensive automotive insurance coverage charges. This is as a result of they’ve spent extra time driving and subsequently have extra expertise. Additionally, statistics present that they’re much less prone to be concerned in automotive accidents in comparison with younger drivers.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $161 | $512 |
| 25 | $42 | $145 |
| 35 | $34 | $114 |
| 45 | $33 | $109 |
| 55 | $32 | $103 |
Cheapest New Hampshire Car Insurance: Young Drivers
As talked about, new drivers and early 20s sometimes pay the costliest automotive insurance coverage charges. That’s primarily as a result of these drivers have much less observe driving and usually tend to ignore site visitors guidelines and get into automotive crashes.
In truth, the deadly crash price per mile pushed for teen drivers was almost thrice the speed for drivers 20 years old and older in 2021, in accordance with the Insurance Institute for Highway Safety.
Cheapest New Hampshire Car Insurance For 16-Year-Olds: Hanover
If you’re a teen driver or the guardian of 1, Hanover could also be your greatest guess for locating essentially the most inexpensive automotive insurance coverage in New Hampshire.
The firm’s most cost-effective common charges for 16-year-old drivers are $42 per 30 days or $498 per 12 months, which is comparatively inexpensive in comparison with different states. If you’re on the lookout for full protection, the typical is $173 per 30 days or $2,082 per 12 months from Auto-Owners.
| Cheapest Car Insurance in New Hampshire | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Hanover | $42 | $289 |
| Auto-Owners | $66 | $173 |
| MMG | $118 | $270 |
| GEICO | $123 | $456 |
| State Farm | $130 | $419 |
| USAA | $134 | $575 |
| Allstate | $216 | $465 |
| Progressive | $240 | $755 |
| Farmers | $268 | $776 |
| Safety | $272 | $946 |
Cheapest New Hampshire Car Insurance For 25-Year-Olds: Hanover
Car insurance coverage charges for young drivers of their 20s lower lots when in comparison with what teen drivers pay. However, the charges for this age group can nonetheless be excessive relying on which firm you go together with.
Hanover gives the most cost effective automotive insurance coverage prices on common at $18 per 30 days or $218 per 12 months for minimal protection. Auto-Owners prices $90 per 30 days or $1,078 per 12 months for full protection.
| Cheapest Car Insurance in New Hampshire | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Hanover | $18 | $139 |
| USAA | $29 | $111 |
| State Farm | $30 | $115 |
| Auto-Owners | $31 | $90 |
| MMG | $41 | $123 |
| GEICO | $42 | $148 |
| Safety | $44 | $150 |
| Progressive | $51 | $133 |
| Farmers | $63 | $227 |
| Allstate | $74 | $218 |
Cheapest New Hampshire Car Insurance: Adult Drivers
Auto insurance coverage is mostly the most cost effective for individuals of their 40s when in comparison with different age teams of drivers. You can examine typical automotive insurance coverage bills of drivers of their 30s, 40s, and 50s from the highest 5 most cost-effective firms for every age group under.
Cheapest New Hampshire Car Insurance For 35-Year-Olds: Hanover
Drivers of their mid-30s might insure their automobiles on the most cost-effective cost by getting a minimal protection automotive insurance coverage coverage from Hanover. The firm presents common minimum-coverage prices of $17 per 30 days or $201 per 12 months. For full protection, Auto-Owners’s charges common $72 month-to-month or $861 yearly.
| Cheapest Car Insurance in New Hampshire | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Hanover | $17 | $128 |
| USAA | $22 | $80 |
| Auto-Owners | $23 | $72 |
| State Farm | $25 | $88 |
| MMG | $26 | $94 |
| Safety | $30 | $98 |
| GEICO | $38 | $112 |
| Progressive | $46 | $111 |
| Farmers | $49 | $185 |
| Allstate | $67 | $175 |
Cheapest New Hampshire Car Insurance For 45-Year-Olds: Hanover
Forty-five-year-old drivers might discover essentially the most inexpensive minimal protection from Hanover, with common charges of $18 per 30 days or $216 per 12 months. The most cost-effective full protection comes from Auto-Owners at $66 per 30 days or $787 per 12 months.
| Cheapest Car Insurance in New Hampshire | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Hanover | $18 | $126 |
| Auto-Owners | $20 | $66 |
| USAA | $21 | $77 |
| MMG | $22 | $82 |
| State Farm | $25 | $87 |
| Safety | $29 | $96 |
| GEICO | $38 | $107 |
| Progressive | $46 | $106 |
| Farmers | $48 | $179 |
| Allstate | $66 | $167 |
Cheapest New Hampshire Car Insurance For 55-Year-Olds: Hanover
Hanover gives essentially the most inexpensive automotive insurance coverage charges in New Hampshire for drivers who’re of their 50s. The insurer’s common premiums are $18 month-to-month or $221 yearly for minimal protection. The most cost-effective full protection choice is from Auto-Owners, costing $66 month-to-month or $787 yearly
| Cheapest Car Insurance in New Hampshire | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Hanover | $18 | $112 |
| Auto-Owners | $20 | $64 |
| USAA | $21 | $73 |
| MMG | $21 | $79 |
| State Farm | $24 | $82 |
| Safety | $25 | $83 |
| GEICO | $36 | $108 |
| Farmers | $43 | $162 |
| Progressive | $45 | $97 |
| Allstate | $66 | $168 |
Cheapest Car Insurance In New Hampshire: High-Risk Drivers
Besides the kind of protection and your age, how safely you drive is a major consider figuring out your automotive insurance coverage cost. Auto insurers sometimes decide if you happen to’re a high-risk driver by what number of infractions are in your driving file, together with rushing tickets, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who’re thought of high-risk should pay automotive insurance coverage charges which can be above the typical as a result of they’ve a number of violations on their driving data. On common, New Hampshire motorists who’re deemed high-risk might discover essentially the most inexpensive charges from Hanover for minimal protection or Auto-Owners for full protection.
| Cheapest Car Insurance in New Hampshire | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Hanover | $22 | $176 |
| USAA | $37 | $133 |
| Auto-Owners | $39 | $117 |
| State Farm | $46 | $128 |
| MMG | $48 | $161 |
| Progressive | $60 | $163 |
| GEICO | $60 | $200 |
| Safety | $65 | $221 |
| Allstate | $88 | $257 |
| Farmers | $89 | $321 |
Cheapest New Hampshire Car Insurance For Drivers With A Speeding Ticket: Hanover
Drivers with a rushing quotation on their file can typically discover essentially the most inexpensive protection from Hanover, with common charges of $17 per 30 days or $210 per 12 months for minimal protection and $134 per 30 days or $1,602 per 12 months for full protection.
| Cheapest Car Insurance in New Hampshire | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Hanover | $17 | $134 |
| State Farm | $27 | $101 |
| USAA | $29 | $110 |
| Auto-Owners | $31 | $93 |
| Safety | $37 | $124 |
| MMG | $42 | $140 |
| GEICO | $49 | $163 |
| Progressive | $59 | $161 |
| Farmers | $75 | $273 |
| Allstate | $78 | $229 |
Cheapest New Hampshire Car Insurance For Drivers With An At-Fault Accident: Hanover
Getting right into a automotive accident in New Hampshire might result in greater automotive insurance coverage prices. Hanover tends to supply essentially the most inexpensive charges on common at about $26 per 30 days or $307 per 12 months for minimal protection and $197 per 30 days or $197 per 12 months for full protection.
| Cheapest Car Insurance in New Hampshire | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Hanover | $26 | $197 |
| USAA | $36 | $134 |
| State Farm | $39 | $124 |
| Auto-Owners | $40 | $117 |
| GEICO | $46 | $148 |
| MMG | $48 | $161 |
| Safety | $66 | $225 |
| Progressive | $66 | $189 |
| Farmers | $99 | $360 |
| Allstate | $100 | $291 |
Cheapest New Hampshire Car Insurance For Drivers With A DUI: Hanover
If you’re a motorist with a drunk driving conviction, you could discover the most cost effective minimal automotive insurance coverage in New Hampshire from Hanover for $23 per 30 days or $282 per 12 months on common. They even have charges of $197 month-to-month or $2,370 yearly for full protection.
| Cheapest Car Insurance in New Hampshire | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Hanover | $23 | $197 |
| USAA | $45 | $155 |
| Auto-Owners | $47 | $142 |
| Progressive | $54 | $140 |
| MMG | $55 | $182 |
| State Farm | $71 | $157 |
| GEICO | $85 | $290 |
| Allstate | $86 | $252 |
| Farmers | $91 | $331 |
| Safety | $91 | $315 |
Cheapest New Hampshire Car Insurance For Drivers With Poor Credit: Auto-Owners
People with adverse credit need to pay extra money for automotive insurance coverage. Those who don’t have the most effective credit score historical past might need to take a look at Auto-Owners, which has a median minimum-coverage price of $40 per 30 days or $475 per 12 months and a median full-coverage price of $117 per 30 days or $1,408 per 12 months.
| Cheapest Car Insurance in New Hampshire | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Auto-Owners | $40 | $117 |
| USAA | $42 | $172 |
| GEICO | $54 | $198 |
| Safety | $62 | $210 |
| State Farm | $65 | $241 |
| Progressive | $65 | $193 |
| Hanover | $70 | $539 |
| MMG | $75 | $244 |
| Allstate | $91 | $271 |
| Farmers | $110 | $384 |
Average Cost Of Car Insurance In 10 New Hampshire Cities
Another factor that impacts how a lot you spend on automotive insurance coverage in New Hampshire is the place you reside. Auto insurance coverage firms take into account drivers riskier to cowl in areas with:
- Larger numbers of individuals
- There are a better variety of automobiles driving on the roads.
- More automotive accidents taking place at a larger frequency.
- More incidents of breaking site visitors legal guidelines
- More incidents of automotive theft and automotive vandalism
- Extreme climate situations
Certain components pose a better threat for automotive house owners in larger cities, resulting in drivers in busy city areas paying the best common cost for minimal automotive insurance coverage protection. On the opposite hand, drivers in rural areas with decrease crime charges and smaller populations often take pleasure in cheaper charges.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Manchester | $49.39 | $150.15 |
| Nashua | $44.86 | $136.73 |
| Concord | $38.96 | $124.60 |
| Dover | $41.09 | $127.47 |
| Keene | $35.63 | $119.19 |
| Rochester | $39.88 | $125.55 |
| Derry | $46.84 | $142.29 |
| Portsmouth | $40.08 | $124.43 |
| Laconia | $38.76 | $128.21 |
| Claremont | $35.79 | $125.70 |
Top 5 Car Insurance Companies In New Hampshire
We’ve examined greater than 40 insurance coverage firms in New Hampshire. Our evaluation thought of components like cost, protection, service high quality, and reliability. As a consequence, we have now recognized the highest 5 insurers for residents within the state. Based on our analysis, we discovered Hanover to be the most effective supplier for many drivers in New Hampshire. Here are the rankings we gave to our high suggestions.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5 | 4.5 |
| #2 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #3 Progressive | 4.5 | 4 | 4.8 | 4.8 | 4.1 |
| #4 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
| #5 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
*The total and class rankings above are primarily based on nationwide components.
How To Get The Cheapest Car Insurance In New Hampshire
You can cut back your automotive insurance coverage bills in New Hampshire in several methods. These embrace:
- Opting for minimal protection: If you solely get the quantity of protection that your state requires, you will get the automotive insurance coverage that’s the least costly.
- Seeking out reductions: Most insurance coverage firms have a number of reductions that may assist lower down on premium prices, from army and good scholar reductions to reductions for drivers that stay accident free for 5 years.
- Raising your deductible: The next deductible will decrease your premium prices, however you’ll need to pay extra out of pocket if you happen to file a declare.
- Bundling your auto insurance coverage: You can typically bundle your auto insurance coverage with a owners insurance coverage coverage or different sort of protection to earn a reduction.
- Comparing quotes: Asking for value estimates from completely different firms can assist you determine which supplier provides you with the most effective provide.
Many insurance coverage firms provide usage-based insurance coverage applications as a approach to save money. These applications use telematics to watch your driving habits–out of your velocity and braking to the time of day you drive. If you drive safely, you could be eligible for a major low cost, however sure applications might improve your charges if you happen to interact in dangerous driving actions.
Some firms additionally provide diminishing deductibles and accident forgiveness. A diminishing deductible choice decreases your deductible quantity every time you renew your coverage. Accident forgiveness ensures that your charges gained’t improve after your first accident with the corporate.
What Does New Hampshire Require For Car Insurance?
Drivers in New Hampshire should meet minimal insurance coverage necessities as outlined by state legislation, which embrace basic legal responsibility insurance coverage and uninsured/underinsured motorist (UM/UIM) protection:
-
$50,000 bodily harm legal responsibility per accident
-
$25,000 bodily harm legal responsibility per person
-
$25,000 property injury legal responsibility per accident
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$50,000 underinsured/uninsured motorist bodily harm protection per accident
-
$25,000 underinsured/uninsured motorist bodily harm protection per person
-
$25,000 underinsured/uninsured motorist property injury protection per accident
-
$1,000 medical funds protection additionally required
Liability protection solely takes care of different events’ accidents and property damages in an accident that you just trigger. UM/UIM covers your accidents and property damages, however solely within the case that the at-fault driver has little to no auto insurance coverage.
Getting complete insurance coverage will be certain that your automotive is roofed if stolen, vandalized, or broken by floods, fireplace, animals, or different pure disasters. Collision insurance coverage covers your automotive repairs after an accident.
Our Take: Best Cheap Car Insurance In New Hampshire
When it involves each minimal and full protection, Hanover is the most effective and most cost-effective automotive insurance coverage firm for many drivers in New Hampshire. While the above prices can provide you an thought of what you’d pay for automotive insurance coverage in New Hampshire, in search of an individualized price will assist offer you a extra correct image of what you’ll pay.
Many firms provide fast and cost-free instruments on their web site to get insurance coverage quotes. Alternatively, you may instantly contact an insurance coverage agent or consultant from the corporate. Once you’ve gotten gathered quotes from three or extra suppliers, examine them to seek out the best choice for you.
Best Cheap Car Insurance In New Hampshire: FAQ
Here are some often requested questions on automotive insurance coverage in New Hampshire:
How We Rate Insurers
Our overview course of goals to ship constant and unbiased assessments of automotive insurance coverage suppliers. While there are a number of qualities that make a automotive insurance coverage firm profitable, our overview crew focuses on these we imagine are a very powerful for customers:
- Cost: Cost will be tough to match between insurers as a result of so many components influence annual premiums. The most cost-effective insurer for one driver might not be the most cost effective for an additional. To decide our cost rating, we take a look at insurance coverage price estimates generated by Quadrant Information Services, low cost alternatives, and shopper reviews.
- Coverage: To decide our protection rating, we take a look at the variety of protection choices available in addition to protection limits and deductible choices. Our rankings additionally take note of further providers and advantages like roadside help.
- Reliability: It’s vital that an auto insurer is ready to meet its claims obligations. Companies with a powerful monetary energy score from AM Best rating greatest on this class. Established insurers with an extended historical past of dependable service additionally obtain optimistic marks.
- Service: We comb by buyer critiques on websites just like the Better Business Bureau (BBB) to find out about buyer experiences. Insurers with a low quantity of complaints rating effectively on this space. We additionally take into account the claims course of, giving greater rankings to automotive insurance coverage suppliers that provide easy-to-use claims apps.
*Data correct at time of publication.
