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

For Derry, NH auto insurance, you should have a basic coverage of 25/50/25. Cheap car insurance in Derry, NH starts at $32 monthly with State Farm. The best Derry, NH car insurance companies include Liberty Mutual, Amica, Nationwide, Allstate and State Farm.

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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 Cinncinati.com. ...

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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: Nov 17, 2020

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Regarding New Hampshire auto insurance, you should get 25/50/25 minimum in liability coverage. Drivers may be able to get cheap car insurance in Derry, NH that begins at $32 monthly, offered by State Farm. Comprising of the best Derry, NH car insurance companies are Liberty Mutual, Amica, Nationwide, Allstate and State Farm, with all of them providing affordable Derry, NH auto insurance.

Derry “Space Town” New Hampshire is famous for being the birthplace of one of the first US astronauts in space, Alan Shepard. But that isn’t Derry’s only claim to fame; Robert Frost also lived in Derry during his lifetime. While settlement first began as early as 1719, it wasn’t officially incorporated until 1827.

Fun fact: Did you know that, although Derry is technically classified as a town, it is still the 4th largest populated area in New Hampshire?

In the market for cheap auto insurance in Derry, NH? From AutoInsuranceEZ.com, you could get the lowest priced insurance policy close to you. To acquire free Derry, NH auto insurance quotes offered by the top providers right now, input your ZIP code in the quote box here on this page.

Auto Insurance Coverage Requirements in New Hampshire

Driving legally in Derry requires:

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

As you can see in the middle column above, automotive insurance is not legally required in New Hampshire. But if you choose not to purchase coverage, you must prove that you are financially sound enough to pay for any damages and/or medical bills you might be liable for. The majority of drivers choose to purchase automotive coverage though because it's less of a hassle.

If you're a New Hampshire resident, you might be paying around $82 per month for your automobile insurance right now. But Derry residents have the opportunity to lower that cost. You may even qualify for rates as low as $37/mo* or less!

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Car Insurance Derry, New Hampshire Agents

Average Monthly Auto Insurance PremiumsLegend: Derry Liberty Mutual Amica Nationwide Allstate State Farm 51015202530354045$33$34$40$45$32

 

State Farm, Liberty Mutual, and Amica are all trying to offer some of the lowest Derry, NH auto insurance rates right now. But before you think about switching, consider other important elements, such as customer service, which may or may not be missing from certain Derry, NH auto insurance companies. Just make sure you do a little research in your prospective provider before you commit to a full switch.

Auto insurance providers evaluate different factors when calculating quotes, such as driving experience, driving violations, occupation, education, and business use of the vehicle. Also keep in mind that premiums could vary from business to business. To find out if you’re still receiving the cheapest premium, review and compare New Hampshire car insurance rates on the web.

Major Factors in Cheap Car Insurance in Derry, New Hampshire

There is a variety of numerous things that can factor into the rate quotes you get. Even though many specific details aren’t really something you can do something about, a few of them are elements which you can change for the better. Here are a few things which may affect your auto insurance premium:

Your ZIP Code

Your auto insurance rates can vary depending on the place you live. In general, large cities feature higher auto insurance rates since the extra amount of motorists on the streets boosts the probability of a collision! The total population of Derry amounts to 22,105 and the general household income is $54,351.

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

If your area has a high rate of serious or even fatal accidents, your local insurance providers will likely be offering elevated rates as a result. Take a look at the chart below. Those numbers might seem small, but considering how few people live in Derry, those numbers are actually alarmingly high per capita. Talk to your insurance agent, and see if you can qualify for any Safe Driver discounts to help offset this.

Fatal Accidents in Derry, NHLegend: Derry Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 12345678946249

 

Auto Thefts in Derry

One thing Derry doesn't have a huge problem with, fortunately, is auto theft. There were only 27 cars reported stolen back in 2013. This number is both generally low, and also low per capita. But that doesn't mean you shouldn't try to protect yourself from theft. Anti-theft devices can earn you discounts with some providers. Also, the only type of coverage which can protect against theft is Comprehensive coverage.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Liberty Mutual Amica Nationwide Allstate State Farm 153045607590105120$33$124$34$105$40$76$45$117$32$76

 

Your Credit Score

Odds are that you're going to be paying higher monthly premiums for having a less than perfect credit score. If you do have poor credit, try tracking your score on a free credit reporting site, and take proactive steps to improve your credit status.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Liberty Mutual Amica Nationwide Allstate State Farm 5101520253035404550556065$25$62$27$67$36$53$40$57$26$59

 

Your Age

Whether you're a young driver or the parent of a young driver, finding affordable Derry, NH auto insurance can feel like an uphill battle. There are Good Student and Driver's Ed discounts, however, which can take some of the sting out of those monthly premiums.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Liberty Mutual Amica Nationwide Allstate State Farm 255075100125150175200225$33$142$34$171$40$241$45$130$32$126

 

Your Driving Record

We all wish we could be perfect drivers, but the unfortunate truth is that many of us are paying higher monthly premiums due to minor offenses, like speeding tickets or "fender-bender" accidents. Well, some providers will give you a break with an "Accident Forgiveness" discount. Talk to your insurance agent to see if you qualify.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Amica Nationwide Allstate State Farm 102030405060708090100110$33$35Do Not Sell$57$34$47$117$40$40$55$97$74$45$49$54$59$32$32$73$41

 

Your Vehicle

If you don't purchase enough coverage, and in high enough amounts, to cover your financial need in the event of an accident, you may be left paying for the difference. However, the more coverage you purchase, the more you have to pay each month in premiums. That right there is the main reason luxury vehicles cost so much to insure - because they require more coverage purchased in high amounts in order to be protected completely.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Amica Nationwide Allstate State Farm 153045607590105120135150$33$131$34$111$40$74$45$159$32$95

 

Minor Factors in Cheap Auto Insurance in Derry, New Hampshire

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

Your Marital Status

Lots of married couples take advantage of bundling discounts by combining their automotive insurance policies with the same company. Single people can do this too, if they bundle their auto policy with motorcycle or renter's insurance, assuming their provider offers many different policies.

Your Gender

Some people may want to believe that there is a difference between male and female drivers, but the statistical data doesn't back up these assumptions. This is why many providers have abandoned the practice of charging different premiums based on gender alone.

Your Driving Distance to Work

Typical work commutes in Derry can be pretty long, lasting anywhere from 30-32 minutes on average. A whopping 91% of drivers rely on their own vehicle in order to get to work each day, while around 7.5% carpool.

Reducing your yearly mileage is a fantastic way to save money on gas, or vehicle maintenance costs. Unfortunately, it's a very inefficient way to save money on your monthly premiums. At best, you can only expect to save 4-6%, and that's for cutting thousands of miles off your odometer each year.

Your Coverage and Deductibles

Do you know how high (or low) your deductible is right now? Sadly, most drivers don't. Which is unfortunate, because raising your deductible is a quick and simple way of making your monthly premiums more affordable.

Education in Derry, NH

More than 30% of the population in Derry has completed all the requirements for a high school diploma. An additional 17% have also gone on to earn a bachelor’s degree. Interestingly enough, those motorists who have some form of a higher education may be entitled to discounts from their auto insurance provider. This is an even more popular way to save money on premiums than by having a special job title, or an unusually high salary.

Derry is a small community, so local options for an advanced form of education are difficult to find nearby. However, there are plenty of options for students willing to commute to nearby towns. Chester College in the neighboring city of Chester offers educational programs in professional writing and graphic design. Additionally, the city of Manchester located to the north and east of Derry has several different institutions of higher learning to choose from. Read up on Derry by clicking here.

Unfortunately for many insurance providers, a basic online search could expose a great many of their industry mysteries. But even by using the correct advice, it could still be tricky for anyone as an individual to figure out your risk profile and find the cheapest possible insurance. Be sure you perform your due diligence prior to committing to your upcoming 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 rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

New Hampshire Insurance Department

New Hampshire Banking Department

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

You could find low auto insurance rates in Derry, NH by merely entering your ZIP code into the calculator below.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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