New Hampshire is among the solely states that doesn’t require automotive insurance coverage, however buying protection is a good suggestion anyway. The typical value of automotive insurance coverage in New Hampshire is $1,275 per yr for a full protection coverage and $389 for a minimal protection coverage, in line with Bankrate’s 2021 examine of quoted annual premiums.
How a lot does automotive insurance coverage value in New Hampshire?
Automobile insurance coverage charges rely on the state you reside in. As an example, the typical annual automotive insurance coverage price in New Hampshire is cheaper than the typical annual automotive insurance coverage premium in Rhode Island. New Hampshire drivers pay much less for automotive insurance coverage than the typical American driver. For comparability, the typical value of automotive insurance coverage within the U.S. is $1,674 per yr for a full protection coverage.
As well as, the typical automotive insurance coverage charges in New Hampshire are primarily based on various private components. Your ZIP code, age, credit score rating, declare historical past, driving file, insurance coverage firm and protection restrict influence automotive insurance coverage charges in New Hampshire. Due to that, each driver pays a unique price for protection.
New Hampshire automotive insurance coverage charges by firm
When you’re looking for automotive insurance coverage in New Hampshire, it is very important have a look at the typical charges from a number of suppliers, as each supplier fees a unique premium. Within the desk beneath, you possibly can see the New Hampshire auto insurance coverage charges from a few of the greatest automotive insurance coverage corporations.
New Hampshire automotive insurance coverage charges by metropolis
New Hampshire automotive insurance coverage charges can fluctuate considerably primarily based in your metropolis. Within the desk beneath, we included the typical charges for full protection automotive insurance coverage within the prime 20 cities in New Hampshire by inhabitants, and the way the typical price compares to the statewide common.
| Metropolis | Common annual premium for full protection | % enhance from state common annual premium |
|---|---|---|
| Manchester | $1,513 | 19% |
| Nashua | $1,334 | 5% |
| Harmony | $1,197 | -6% |
| Dover | $1,245 | -2% |
| Rochester | $1,244 | -2% |
| Keene | $1,161 | -9% |
| Derry | $1,388 | 9% |
| Portsmouth | $1,231 | -3% |
| Laconia | $1,259 | -1% |
| Claremont | $1,218 | -4% |
| Somersworth | $1,238 | -3% |
| Londonderry | $1,363 | 7% |
| Durham | $1,250 | -2% |
| Hampton | $1,250 | -2% |
| Berlin | $1,277 | 0% |
| Lebanon | $1,226 | -4% |
| Hanover | $1,227 | -4% |
| Franklin | $1,237 | -3% |
| Milford | $1,292 | 1% |
| Hudson | $1,362 | 7% |
New Hampshire automotive insurance coverage charges by age
One other issue that can influence the price of your automotive insurance coverage premium in New Hampshire is your age. Younger drivers usually pay greater charges than older drivers as a result of they’ve much less expertise behind the wheel. The desk beneath outlines the typical annual premiums in New Hampshire for varied ages.
*16-year-old calculated on dad or mum’s coverage disclosure; 18- and 20-year-old are renters
New Hampshire automotive insurance coverage charges by driving file
If you apply for automotive insurance coverage, the insurance coverage firm appears at your driving file to find out your stage of danger. Drivers with a historical past of violations often pay the best charges. Listed below are the typical annual premiums for drivers in New Hampshire with one dashing ticket, one accident and one DUI on their file.
| Driving incident | Common annual full protection premium in New Hampshire | % enhance of common annual premium |
|---|---|---|
| Rushing ticket | $1,348 | 6% |
| Accident | $1,596 | 25% |
| DUI | $1,859 | 46% |
Learn how to save on automotive insurance coverage in New Hampshire
Drivers who’re on the lookout for the most cost effective automotive insurance coverage in New Hampshire ought to store round and examine quotes from a number of suppliers. Moreover, there are another ways in which drivers can get monetary savings and get a decrease price. Listed below are some recommendations for getting low-cost automotive insurance coverage in New Hampshire:
- Search for reductions: Most automotive insurance coverage corporations supply reductions that may assist drivers get a decrease premium. Typical reductions embrace financial savings for being a great scholar, being claim-free and having sure security gear in your car.
- Enhance your credit score rating: Drivers with poor credit score pay the best automotive insurance coverage charges, and vice versa. Elevating your credit score rating may also help you get a decrease premium.
- Elevate your deductible: Elevating your deductible means paying a decrease month-to-month price. Simply be sure you can afford to pay the next deductible out of pocket within the occasion of a declare.
- Pay your premium in full: Drivers who can afford to pay their annual insurance coverage premium upfront and in full, somewhat than in month-to-month installments, typically qualify for a decrease price.
Ceaselessly requested questions
What’s the greatest automotive insurance coverage firm?
One of the best automotive insurance coverage firm is completely different for each driver. It is dependent upon components like the place you reside, how a lot you wish to spend, what kind of protection you want and what reductions you possibly can qualify for. Earlier than you select a supplier, it’s a good suggestion to analysis suppliers and examine them utilizing your private standards.
How a lot is automotive insurance coverage in New Hampshire per thirty days?
The typical value of automotive insurance coverage in New Hampshire is $1,275 per yr for a full protection coverage and $389 for a minimal protection coverage. Nevertheless, you possibly can pay kind of primarily based in your private profile.
Methodology
Bankrate makes use of Quadrant Data Companies to investigate 2021 charges for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted charges are primarily based on a 40-year-old female and male driver with a clear driving file, good credit score and the next full protection limits:
- $100,000 bodily damage legal responsibility per individual
- $300,000 bodily damage legal responsibility per accident
- $50,000 property injury legal responsibility per accident
- $100,000 uninsured motorist bodily damage per individual
- $300,000 uninsured motorist bodily damage per accident
- $500 collision deductible
- $500 complete deductible
To find out minimal protection limits, Bankrate used minimal coverages that meet every state’s necessities. Our base profile drivers personal a 2019 Toyota Camry, commute 5 days every week and drive 12,000 miles yearly.
These are pattern charges and will solely be used for comparative functions.
Age: Charges have been calculated by evaluating our base profile with the ages 18-60 (base: 40 years) utilized. Relying on age, drivers could also be a renter or house owner.
Incident: Charges have been calculated by evaluating our base profile with the next incidents utilized: clear file (base), at-fault accident, single dashing ticket, single DUI conviction and lapse in protection.
