Save Big on New Hampshire Vehicle Insurance
New Hampshire seems to have it all. Even low car insurance premiums thanks to the help of Insureist™.
New Hampshire is home to 33000 miles of roadway. Drivers in New Hampshire have 36 vehicles registered per 100 people living in the state. With a total of 489000 vehicles registered, a solid vehicle insurance policy is critical for every New Hampshire driver.
Cheapest Car Insurance in New Hampshire
Getting cheap car insurance in New Hampshire doesn't necessarily mean getting a low quality policy. Many insurance carriers offer discounts on your car insurance policy. These discounts come from things like:
- Adding multiple vehicles to a policy
- Bundling home and auto insurance together
- Paying for your policy upfront
- Passing a defensive driving training course
- Keeping your driving record in good standing
- Updating your policy info on a regular basis
- Checking your rates, deductible, and limits
- Using an anti-theft security system on your car
- Being careful with the type of vehicle your purchase
Make sure you ask the agent you speak with about what you can do to get New Hampshire affordable car insurance. Get them to go through all of the auto insurance discounts they offer so you don't miss any.
Best Car Insurance in New Hampshire
- Forbes
- Consumer Reports
- Standard & Poor’s
- J.D. Power
- Moody’s
- A.M. Best
The best auto insurance companies in New Hampshire are determined based on these results.
Car Insurance in New Hampshire
New Hampshire Vehicle insurance pricing will be different from city to city. The Insureist™ Data Science team analyzed each metro area in New Hampshire to give you an idea of the average insurance premium in each city. NH insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.
Types of New Hampshire Car Insurance Quotes
The cheapest insurance companies in New Hampshire will be different from person to person. This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in New Hampshire. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:
- Age
- Vehicle make and model
- Insurance claim history
- Credit score
- Driving record
- Gender
- Marital status
- Legal liability requirements
- Where you live
- Miles driven each year
Cheap Auto Insurance for Good Drivers
Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of New Hampshire.
Cheap Auto Insurance for Drivers with DUI
Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for NH car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.
Cheap Auto Insurance for Drivers with an At-Fault Accident
Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.
Cheap Auto Insurance for Speeding Drivers
Speeding tickets can directly impact the rate you pay for NH auto insurance. Get enough of them and you can even lose your license.
Cheap Auto Insurance for Young Drivers
Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some NH insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.
New Hampshire SR-22 Insurance
You will need to get SR-22 insurance in NH if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.
Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:
- Convicted of a DUI or DWI
- Operating a vehicle without insurance
- Too many violations or accidents where you are at-fault
- Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
- Refusing to pay child support that is court-ordered
- Having to obtain a hardship license
The SR-22 is not an insurance policy. It's a document that your insurance company in NH files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.
FAQs - New Hampshire Car Insurance & Driving Facts
Which car insurance is best in New Hampshire?
How much car insurance do i need in New Hampshire?
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How does car insurance work in New Hampshire?
What are the different types of car insurance in New Hampshire?
Additional Insights
New Hampshire Map
New Hampshire
Vehicle Insurance
Cities
New Hampshire () is a state in the New England region of the United States. It is bordered by Massachusetts to the south, Vermont to the west, Maine and the Atlantic Ocean to the east, and the Canadian province of Quebec to the north. New Hampshire is the 5th smallest by area and the 10th least populous U.S. state. Concord is the state capital, while Manchester is the largest city. New Hampshire has no general sales tax, nor income tax other than on interest and dividends. The New Hampshire primary is the first primary in the U.S. presidential election cycle. Its license plates carry the state motto, "Live Free or Die". The state's nickname, "The Granite State", refers to its extensive granite formations and quarries.
In January 1776, it became the first of the British North American colonies to establish a government independent of the Kingdom of Great Britain's authority; it was the first to establish its own state constitution. Six months later, it became one of the original 13 colonies that signed the United States Declaration of Independence, and in June 1788 it was the ninth state to ratify the United States Constitution, bringing that document into effect. Historically, New Hampshire was a major center for textile manufacturing, shoemaking, and papermaking, with Amoskeag Manufacturing Company in Manchester at one time being the largest cotton textile plant in the world. Numerous mills were located along various rivers in the state, especially the Merrimack and Connecticut rivers. Many French Canadians migrated to New Hampshire to work the mills in the late 19th and early 20th century; New Hampshire still ranks second among states by percentage of people claiming French American ancestry, with 24.5% of the state identifying as such.
Manufacturing centers such as Manchester, Nashua and Berlin were hit hard in the 1930s–1940s as major manufacturing industries left New England and moved to the Southern United States or overseas, reflecting nationwide trends. In the 1950s and 1960s, defense contractors moved into many of the former mills, such as Sanders Associates in Nashua; the population of southern New Hampshire surged beginning in the 1980s as major highways connected the region to Greater Boston and established several bedroom communities in the state. With some of the highest ski mountains on the East Coast, New Hampshire's major recreational attractions include skiing, snowmobiling, and other winter sports, hiking and mountaineering (Mount Monadnock in the state's southwestern corner is among the most climbed mountains in the U.S.), observing the fall foliage, summer cottages along many lakes and the seacoast, motor sports at the New Hampshire Motor Speedway, and Motorcycle Week, a popular motorcycle rally held in Weirs Beach in Laconia in June. The White Mountain National Forest links the Vermont and Maine portions of the Appalachian Trail, and has the Mount Washington Auto Road, where visitors may drive to the top of 6,288-foot (1,917 m) Mount Washington.
Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.
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