Concord, NH Auto Insurance | Cheap Car Insurance in Concord, NH

The average rates of New Hampshire are around $82. For Concord, NH auto insurance, rates can be lower around $31 per month. As one of the best Concord, NH auto insurance companies, State Farm provides a monthly rate of $25. Getting cheap car insurance in Concord, NH depends on factors like your age, gender, and more.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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New Hampshire auto insurance has a base coverage (25/50/25) for all residents (more information below). Some of the best Concord, NH car insurance companies offer competitive rates. The companies that offer cheap car insurance in Concord, NH are Liberty Mutual, Amica, Nationwide, Allstate, and State Farm. State Farm provides residents in need of Concord, NH auto insurance $25 monthly rates.

Much of the Concord economy revolves around education. It is home to several institutions for higher learning, including New Hampshire’s one and only law school. It is bordered by the Merrimack River and was first settled by European immigrants in the early 1700’s. Today, in addition to education, it is also the location of several health care and insurance companies.

Fun fact: did you know that the Pennacook Native Americans predated European settlers?

Are you in need of cheap auto insurance in Concord, NH? From, you’ll find the lowest cost insurance rates in your city. To receive free Concord, NH auto insurance quotes from the major providers right now, type in your ZIP code in the quote box here on this page.

Concord, NH Driving Facts

The auto insurance coverage requirements in New Hampshire are:

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

Technically, you don’t need to purchase automotive insurance in order to drive in New Hampshire. However, you will have to prove that you can be financially responsible if you happen to cause an accident. However, many motorists find this process so difficult that they prefer to purchase the requirements above listed in the middle column.

New Hampshire actually has some pretty low rates. The average monthly premium for most motorists is around $82. However, Concord motorists can beat even this low price – how would you like to pay as little as $31/mo*?

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Cheapest Car Insurance in Concord, NH

Average Monthly Auto Insurance PremiumsLegend: Concord Liberty Mutual Amica Nationwide Allstate State Farm 5101520253035$28$30$34$38$25


You can find many companies like GEICO Insurance in Concord, NH who offer competitive rates; however, Liberty Mutual, Amica, and State Farm are all offering the lowest rates in your area right now. But if you’re thinking about switching Concord, NH auto insurance companies, take a little time to find out what else they have to offer. After all, customer service and efficient claims processing are important parts of the insurance experience.

New Hampshire auto insurance providers evaluate various variables when determining insurance prices, among them gender, where you live, occupation, education, and multiple cars and drivers. Also keep in mind that premiums differ from one company to another. To find out if you’re still paying the most affordable Concord, NH auto insurance, check insurance quotes on the internet.

Major Factors in Cheap Car Insurance in Concord, New Hampshire

Each time your insurance company Concord, NH gets ready to create your insurance policy, they take many parameters under consideration. Many of these, for instance your real age or your specific region, are generally difficult to alter. A few additional factors are:

Your ZIP Code

The spot where you store your automobile nightly will probably have a serious influence on your auto insurance rate. Typically, car insurance is cheaper in non-urban regions because a lesser number of automobiles signifies a smaller possibility that you’re going to get in a collision with some other vehicle. The population of Concord is 42,419 plus the typical family income is $53,631.

Auto Insurance by ZIP CodeLegend: Concord Rochester Nashua Manchester Derry Liberty Mutual Amica Nationwide Allstate State Farm 51015202530354045$28$32$35$42$33$30$34$34$41$34$34$36$38$42$40$38$37$41$42$45$25$29$29$35$32


Automotive Accidents

Any area with a high rate of serious, fatal accidents will likely see higher rates than similar areas with safer roads. As you can see in the chart below, fatal accidents in Concord are very rare. Most drivers don’t know this, but you are probably already getting lower rates as a result.

Fatal Accidents in Concord, NHLegend: Concord Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 11111


Auto Thefts in Concord

Sometimes in small cities or non-urban towns, automobile theft can nevertheless be a dilemma. To make it a lesser trouble for you, think about putting in a passive anti-theft system on your motor vehicle. Your current car insurance provider may reward you with the best car insurance in Concord, NH! Within Concord, they had 14 auto thefts in 2013. Since auto theft is the least of your automotive worries in Concord, you may be able to save money by raising your Comprehensive deductible.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Liberty Mutual Amica Nationwide Allstate State Farm 102030405060708090100110$28$110$30$93$34$63$38$108$25$64


Your Credit Score

In some states, there are automobile insurance companies which give customers a break and charge more reasonable rates (such as Nationwide or Allstate in the chart below) for having a low credit scores. Most companies, however, will charge you drastically higher premiums for having less than perfect credit.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Liberty Mutual Amica Nationwide Allstate State Farm 510152025303540455055$21$52$24$58$31$44$34$43$21$46


Your Age

Serious driving violations can make it difficult, if not impossible, to find affordable coverage. But if you’re like most drivers, you probably have one or two pesky citations on your record that are making your monthly premiums uncomfortably expensive.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Liberty Mutual Amica Nationwide Allstate State Farm 20406080100120140160180$28$120$30$148$34$190$38$99$25$99


Your Driving Record

Serious driving violations can make it difficult, if not impossible, to find affordable coverage. But if you’re like most drivers, you probably have one or two pesky citations on your record that are making your monthly premiums uncomfortably expensive.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Amica Nationwide Allstate State Farm 102030405060708090100$28$30Do Not Sell$49$30$41$101$35$34$46$78$60$38$38$45$48$25$25$66$34


Your Vehicle

If you’re going to purchase an expensive luxury vehicle, you’re going to have to purchase a luxury automobile insurance policy to go with it. Anything less than high amounts of many different types of coverage (comprehensive, collision, UM/UIM, etc) and you will have to help your insurance company pay for repairs, damages, medical bills, or replacing your vehicle.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Amica Nationwide Allstate State Farm 153045607590105120135150$28$117$30$99$34$61$38$150$25$81


Minor Factors in Cheap Auto Insurance in Concord, New Hampshire

These factors may also help you alter what you pay for your monthly premium:

Your Marital Status

Did you know that most providers offer huge discounts for bundling multiple insurance policies together? And married couples have the best opportunity to take advantage of such discounts. And it doesn’t stop at vehicle insurance – you can bundle boat, motorcycle, or homeowner’s policies, too.

Your Gender

Many years ago, providers used to charge different monthly rates based on gender. But that isn’t the case anymore. Many providers charge both men and women equal rates. Those who do charge differently only vary their pricing by 1-3%.

Your Driving Distance to Work

The average commute for residents in Concord should only last about 16-17 minutes, but can climb up to 27 minutes depending on where you live in the city. Many people will get where they need to go by driving their own vehicle by themselves (78%), while another 7-15% will likely be carpooling with coworkers.

If you can avoid insuring your vehicle for business use, it’s worth the effort, since that type of coverage costs around 10-12% more than personal-use vehicles. And your yearly miles don’t matter as much as you might think they do. Even a 5,000 mile difference won’t change your premiums by more than 3-4%.

Your Coverage and Deductibles

Did you know that altering your deductible can drastically alter your monthly premium? Most drivers will probably opt to raise their deductible, because it can reduce the cost of their monthly payments. Just remember that if the worst happens, you will have to pay that higher deductible first before your insurance company will provide any financial assistance.

Education in Concord, NH

28% of Concord inhabitants have successfully completed all four years of high school or earned some equivalent to a high school diploma. Furthermore, 18% of those living in Concord have also gone on to complete a bachelor’s degree. If you happen to have an advanced degree, you’re in luck. Car insurance providers often give discounts to those with a higher education. But not many providers will give you a lower rate based on your job, or even your annual salary.

Concord is home to the only law school in all of New Hampshire, the University Of New Hampshire School Of Law. The New Hampshire Technical Institute also calls Concord home and offers a variety of certificates, associate’s degrees, and diploma programs. Franklin Pierce University, a private institution, is also located nearby.

Sadly for the majority of insurance providers, a pretty simple search on the internet could reveal quite a few of their trade tricks. But even by using the right facts, it could still be tough for anyone as an individual to determine your personal risk user profile and find low cost insurance. Find a local independent agency near you and make sure you carry out your due diligence prior to committing to your next car insurance policy.

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How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average car insurance cost was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


New Hampshire Insurance Department

New Hampshire Banking Department

Department of Highway Safety and Motor Vehicles

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