Cheapest car insurance in New Hampshire

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Subhead – USAA is the most budget-friendly car insurance company in New Hampshire, at a rate of $735 annually or $61 per month, as per the latest data from Insure.com.

USAA provides the cheapest car insurance in New Hampshire at about $735 a year. Your specific rates may vary, but the average car insurance premium in New Hampshire is $109 per month, according to Insure.com’s rate analysis.

Car insurance is a legal requirement in most states, and New Hampshire is no exception. New Hampshire drivers are required to carry at least the minimum amount of liability coverage—$25,000 of personal property coverage per person, $25,000 for bodily injury per person, and $50,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

The top 3 cheap car insurance in New Hampshire

Cheapest overall: USAA

$735/year

National avg. rate

Cheapest for at-fault accident: State Farm

$1,059/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: USAA

$836/year

Avg. rate after speeding ticket

Cheapest car insurance in New Hampshire by company

USAA offers the cheapest car insurance in New Hampshire an average of $735 per year. It’s 44% less expensive than the average car insurance cost in New Hampshire. The rates will vary based on factors such as your driving history, age, ZIP code, and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to ensure you get the best deal.

Below are the annual rates for car insurance from the cheapest car insurance companies.

How we choose the cheap car insurance companies in New Hampshire

40+

Carriers reviewed

56M+

Quotes analysed

29K+

Cities examined

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in New Hampshire

3446 ZIP code in New Hampshire has the cheapest auto insurance cost at an average price of $1,161 annually. Below, you’ll find the cheapest ZIP codes for car insurance in New Hampshire.

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Cheapest car insurance in New Hampshire by age

Young drivers in New Hampshire tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 377% more than a 40-year-old mature driver in New Hampshire, based on Insure.com’s analysis.

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

Read our Guide to car insurance for teens for more information

Cheapest car insurance in New Hampshire by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. Your auto insurance premiums will likely increase if you are responsible for a car accident or convicted of a driving infraction. 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

Here is the list of the top 3 companies that offer cheap car insurance after a speeding ticket:

• USAA: $836 per year
• State Farm: $844 per year
• Auto-Owners: $890 per year

A single speeding ticket can increase your rates by 27% or $273 in New Hampshire, based on Insure.com data.

Getting a speeding ticket is never any fun. You will have to pay a fine, and your insurance rates may increase.

But if you’re looking for the cheapest car insurance costs in New Hampshire, some insurers offer cheap car insurance after a speeding ticket.

Cheapest car insurance after an accident in New Hampshire

Here is the list of the top 3 companies that offer cheap car insurance after an accident:

• State Farm: $1,059 per year
• USAA: $1,063 per year
• Auto-Owners: $1,116 per year

State Farm offers the cheapest car insurance rates to drivers after an at-fault accident at about $1059 a year. 

No one plans on getting into a car accident, but unfortunately, accidents happen. If you are in an accident and are at fault, your car insurance premiums will likely increase. However, this does not mean you can’t shop around to find the best 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 is the list of the top 3 companies that offer cheap car insurance after a DUI conviction:

• Progressive: $977 per year
• USAA: $1,180 per year
• Auto-Owners: $1,351 per year

Your car insurance rates will be affected if you’ve recently been convicted of a DUI. Most insurers will consider you a high-risk driver and charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after 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 22% 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 every driver 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, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident. In contrast, comprehensive insurance protects against damage caused by something other than collisions, such as weather 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. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you must pay an uninsured motorist fee of $500.

Final thoughts

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could cost you dearly.

Ensure you’re adequately protected and consider your needs before buying an auto insurance policy. Car insurance rates vary, so make sure to compare insurance rates from various car insurance companies to get the cheapest car insurance coverage in New Hampshire

Source:

• Insurance Information Institute. “What is auto insurance.” Accessed August 2022.

Methodology

Insure.com gathered the auto insurance rates with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across New Hampshire.

The full coverage auto insurance rates are based on a sample driver profile of a 40-year-old man with a clean driving record and good credit score.