Cheap Car Insurance in New Hampshire

Searching for New Hampshire automobile insurance? Whether you reside in Manchester, Nashua, Concord, Derry, or Rochester, you can acquire up to six rate quotes from first rate insurers in your state from Costs fluctuate by provider and you ought to compare rates carefully before you purchase a policy. We’ll make it easier to find the coverage to meet your needs.

New Hampshire Auto Insurance – Average Premiums

New Hampshire motorists do not have much to bother with regards to car insurance, since condition average monthly fees are around $70. But rates will be different by location. Inside a more populous city like Nashua, costs are nearer to $86/mo. However in smaller sized metropolitan areas, like Concord, you might be having to pay less than $59 monthly for insurance.

Average Auto Insurance Costs in New Hampshire Legend: Major City Concord Derry Manchester Nashua Rochester State Average 10 20 30 40 50 60 70 80 $59 $68 $74 $86 $64 $70


Another factor that will affect the cost of your car insurance policy is your age. Younger drivers, with their limited experience behind the wheel, are more likely to get into an accident than an older motorist who has been driving for years.

Important New Hampshire Auto Insurance Laws and Requirements

New Hampshire has unique state laws which make the process of finding cheap New Hampshire car insurance a little more difficult (but not impossible). For starters, you are not legally required to carry automobile insurance in order to drive in New Hampshire. However, if you decide not to purchase motor vehicle insurance, you still have to prove that you are capable of being financially responsible in the event of an at-fault accident. If you would rather purchase vehicle insurance to avoid this hassle, there are certain state-mandated minimum amounts and types of coverage that must be purchased with each policy. UM/UIM is one of those mandated types of coverage, but no-fault insurance is not. Additionally, the required minimums for motorists who choose to purchase liability coverage can be found below:

Coverage Requirements Most Common
Bodily Injury Liability Not required (25,000/50,000 if purchased) 100,000/300,000
Property Damage Liability Not required (25,000 if purchased) 50,000
Uninsured Motorist Bodily Injury Not required (25,000 if purchased) 10,000/20,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Choosing the Right Amount of New Hampshire Car Insurance Coverage

Most states only need you to purchase Liability to be able to drive legally, and New Hampshire isn’t any exception (for the most part). However, Liability only covers you when the accident is your fault. If an uninsured/underinsured driver crashes into you, in case your vehicle is stolen, or maybe tornados damage your automobile, your insurance will not safeguard you against financial liability during these conditions.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Concord Derry Manchester Nashua Rochester State Average 10 20 30 40 50 60 70 80 90 100 $31 $88 $37 $100 $40 $107 $35 $99 $34 $94 $35 $98


New Hampshire DUI Laws

If you are convicted of your first DWI offense, you may face the following penalties: a minimum of ten days in jail for an aggravated DWI; a minimum fine of $500 ($750 for aggravated DWI); your license may be suspended anywhere from 9 months to 2 years (that 9 months becomes 18 months for aggravated DWI); You will be required to complete an impaired driver program; you will be legally required to carry SR-22 insurance for three years; and you may also be evaluated for alcoholism and be required to seek treatment.

Not every driver is required to file an SR-22. These are for special cases when motorists are convicted of serious driving violations. These include causing an accident while driving without insurance, being convicted of a DUI, or operating a motor vehicle without proof of insurance. In New Hampshire, you will need to file an SR-22 in order to have your driver’s license reinstated.

DUI Car Insurance Costs in New Hampshire Legend: Clean Record DUI Violation Concord Derry Manchester Nashua Rochester State Average 10 20 30 40 50 60 70 80 90 $31 $73 $37 $85 $40 $93 $35 $82 $34 $78 $35 $82


Age Limit Laws

In New Hampshire, motorists as youthful as 15 years and 6 months can get a learner stage driving permit. There is no minimum required duration to hold the permit before graduating up, but there is a minimum of 40 hours of supervised driving practice (in addition to 10 hours of supervised night driving) before they are able to graduate for their Intermediate stage. However, they can’t make an application for medium difficulty permit until they’re a minimum of 16 years old.

For that first six months of intermediate driving, youthful motorists can’t be on the highway between 1:00 and 4:00 AM, nor can there be more than one non-family passenger younger than 25 within the vehicle. Following this six-month trial, youthful motorists in New Hampshire will get a complete license for driving during the day. At 17 years and 1 month of age, they can drive with full privileges 24 hours a day.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Concord Derry Manchester Nashua Rochester State Average 20 40 60 80 100 120 140 160 180 $131 $162 $181 $155 $144 $154


Credit Score Laws and Regulations

New Hampshire is among 47 states within the union where it’s legal for the automotive insurance provider to change your monthly premium based on what your credit rating is. In many states, this presents a significant financial burden for motorists with low credit scores. In New Hampshire, however, even getting a bad credit score does not always raise rates too drastically (but it can, depending on your insurer).

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Concord Derry Manchester Nashua Rochester State Average 10 20 30 40 50 60 $26 $49 $31 $60 $34 $66 $30 $57 $28 $54 $30 $57


Insuring your Vehicle in New Hampshire

Imagine if you borrow a friend’s vehicle, and get into any sort of accident within their vehicle? There is a popular myth that states “insurance follows the driver”, but actually, the precise opposite holds true. Insurance follows the automobile, even when you are not the main one driving it at that time any sort of accident happens. This is exactly why insurance providers have to know such things as the brand name of the vehicle.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Concord Derry Manchester Nashua Rochester State Average 15 30 45 60 75 90 105 120 $31 $102 $37 $114 $40 $122 $35 $115 $34 $109 $35 $112


Additional New Hampshire Auto Insurance Laws and Requirements

The state traffic laws and regulations we’ve already pointed out will probably possess a significant effect on your payments for car insurance. However, you can find more traffic laws and regulations (outlined below) that are important too to understand about. In the event you break them, it will have a negative effect on your rate per month too.

Highway Safety Laws

By 2016, there’s still no aggressive driving law inside the state of New Hampshire. However, there’s no certainty that harmful actions for example tailgating (following another vehicle too closely, especially at high speeds), unsafe lane change, or excessive speeding will not be a ticketable offense later on.

Aggressive Driving No state law
Cell Phones and Texting Laws Possibly prohibited by “Distracted Driving” laws
Inc. Penalty for High BAC BAC 0.16
Admin. License Susp. on 1st Offense 6 months

Speed Limits and Cell Phone Use

Regarding mobile phones, there is a primary level ban on both texting while driving and also distracting yourself by talking on a hand-held device. And “primary” means that if your police force official catches you texting and driving, they are able to pull you over and write a ticket for this.

Rural Interstate 65 mph
Urban Interstate 65 mph
Other Limited-Access 55 mph

Important New Hampshire Contacts

New Hampshire Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State New Hampshire Website

New Hampshire Department of Insurance

How to contact directly:

New Hampshire auto insurance Dept.
21 South Fruit St., Suite 14
Concord NH 03301
Phone: 1-603-271-7973

Compare New Hampshire Car Insurance Companies that Offer the Lowest Rates in Your Area