Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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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…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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In the market for cheap auto insurance in Nashua? From, you could get the most affordable insurance policy within your town. To acquire free car insurance prices offered by the very best providers right away, type in your zipcode in the quote box here.

Nashua first came into existence during the Industrial Revolution. In its early days, the local economy was heavily dependent on its cotton mills. Today, however, economic diversification has successfully incorporated retail and financial services into the mix. Money magazine has awarded Nashua several “best place to live” awards in recent years.

  • Fun fact: did you know that Nashua is the 2nd largest city in all of New Hampshire? Intrigued by finding out more about Nashua?

Auto Insurance Coverage Requirements in New Hampshire

Driving legally in Nashua requires:

CoverageRequirementsMost Common
Bodily Injury LiabilityNot required (25,000/50,000 if purchased)100,000/300,000
Property Damage LiabilityNot required (25,000 if purchased)50,000
Uninsured Motorist Bodily InjuryNot required (25,000 if purchased)10,000/20,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible

If the chart above looks a little strange, it’s because New Hampshire laws don’t specifically require citizens to purchase automobile insurance. However, you must still prove that you can take care of any expenses, should you be responsible for causing an accident. And because there’s so much red tape involved in proving your financial responsibility, most drivers purchase an automotive policy as a convenient alternative.

Your typical New Hampshire Motorist is likely paying around $82 each month in automobile insurance premiums. However, living in Nashua gives you a distinct advantage – you can actually find rates as low as $36/mo* or more if you act quickly!

Average Monthly Auto Insurance Premiums Legend: Nashua Liberty Mutual Amica Nationwide Allstate State Farm 5 10 15 20 25 30 35 40 $35 $34 $38 $41 $29


Most drivers can get a fairly low quite in Nashua from either Liberty Mutual, State Farm, or Amica. But keep in mind that certain companies charge either drastically more (or delightfully less) for certain circumstances based on age, credit score, and your driving history. Just be sure to do your research into each company before you decide to switch.

New Hampshire auto insurance carriers contemplate various elements when establishing quotes, especially gender, geography, credit score/rating, education, and theft protection devices. On top of that, premiums might vary from provider to provider. To verify you are still paying the best fee, examine insurance rates over the internet.

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Major Car Insurance Factors in Nashua

There are a number of various things that can factor into the rate quotes you receive. Even though many specific factors aren’t really something you can do something about, some of them are factors that you can change for the better. Here are some things which may change your auto insurance premium:

Your Zip Code

Your car insurance rates may differ based on the spot where you call home. Generally, highly populated urban centers feature higher car insurance rates as the additional number of car owners on the streets increases the likelihood of an accident! The population of Nashua is 87,137 and also the typical family earnings are $62,808.

Auto Insurance by Zip Code Legend: Concord Rochester Nashua Manchester Derry Liberty Mutual Amica Nationwide Allstate State Farm 5 10 15 20 25 30 35 40 45 $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

Accident statistics in Nashua reflect a fairly low rate of fatalities, which is impressive considering there are over 85,000 residents living in your area right now. Most insurance providers like to offer lower rates automatically when specific zip codes have lower accident rates.

Fatal Accidents in Nashua, NH Legend: Nashua Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 5 5 1 5 5 1


Auto Thefts in Nashua

Sometimes in modest cities or rural towns, automobile theft can nonetheless be a problem. In order to make it a smaller problem for you, consider investing in a passive anti-theft system on your own car. Your current auto insurance provider may compensate you with reduced premiums! In Nashua, they had 68 auto thefts in 2013. Since auto theft isn’t the biggest concern of most Nashua drivers, which means you could save money by raising your Comprehensive deductible (the type of insurance coverage which protects against theft). We’ll talk more about that later.

Basic vs. Comrehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Liberty Mutual Amica Nationwide Allstate State Farm 10 20 30 40 50 60 70 80 90 100 110 120 $35 $128 $34 $105 $38 $69 $41 $120 $29 $75


Your Credit Score

For better or for worse, most insurance companies will adjust your monthly rates based on your credit score. Auto insurance providers are no exception to this rule. Fortunately, in the Nashua area, some companies will still offer you a relatively affordable monthly premium, despite having less than perfect credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Liberty Mutual Amica Nationwide Allstate State Farm 5 10 15 20 25 30 35 40 45 50 55 60 65 $26 $65 $27 $67 $35 $51 $36 $51 $24 $53


Your Age

Believe it or not, young drivers are charged some of the highest rates around – even higher than adult drivers with poor credit or a DUI on their record. But if you’re 25 or under, you can try to lower some of these exorbitant rates with a Good Student discount, or by taking some Driver’s education courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Liberty Mutual Amica Nationwide Allstate State Farm 25 50 75 100 125 150 175 200 225 $35 $149 $34 $172 $38 $228 $41 $111 $29 $114


Your Driving Record

Have you heard of Accident Forgiveness discounts? Basically, if you have a minor accident or certain other non-serious citations on your record, your provider won’t factor one or more of them in when calculating your premiums. But not all companies are offering these discounts, so be sure to ask around.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Amica Nationwide Allstate State Farm 10 20 30 40 50 60 70 80 90 100 110 $35 $37 Do Not Sell $59 $34 $47 $117 $41 $38 $53 $92 $71 $41 $44 $48 $53 $29 $29 $70 $38


Your Vehicle

Regardless of what you drive, the expense of your monthly premium is more closely related to how much coverage you purchase. This is the main explanation for why luxury vehicles cost so much more to cover. You have to buy several different types of coverage, and you have to make sure the quantities are high enough to cover all potential costs for repair or replacement.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Amica Nationwide Allstate State Farm 15 30 45 60 75 90 105 120 135 150 165 $35 $136 $34 $111 $38 $66 $41 $169 $29 $94


Minor Car Insurance Factors in Nashua

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

Your Marital Status

Have you heard of bundling discounts? You can get them, and some serious savings along with them, by purchasing multiple insurance policies from the same company and “bundling” them together. This process is easy for married couples, for obvious reasons. And it isn’t limited to automobile insurance, either!

Your Gender

If you ask each provider in your area whether men or women should pay higher rates for their auto policy, every single company will likely give you a different answer. Many don’t charge different rates at all; those who still do, however, usually charge a very small premium.

Your Driving Distance to Work

Average commute times for Nashua can last between 23-27 minutes at a stretch, although some lucky drivers may be able to get to work in 16 minutes or less. Amongst drivers, using your own vehicle to get around is the preferred method of transportation (83%). Another 14% choose to carpool in order to get around the city.

If you can possibly avoid it, don’t register your car, truck, or van as a “business” vehicle. You’ll be looking at 10-12% higher premiums as a result. Also, don’t lose any sleep over how many miles you drive each year. Even high mileage (or a drastic reduction) will only change your monthly payment by a few percentage points.

Your Coverage and Deductibles

We spoke about deductibles earlier – these are the mandatory payments you must give your insurance provider before they will fulfill certain claims, such as Comprehensive or Collision claims. But if you raise that deductible. Most providers will lower your monthly payment as a result.

Education in Nashua, NH

More than a quarter of the population of Nashua (26%) has obtained a high school diploma or equivalent. And another 20% have also gone on to achieve a bachelor’s degree. Achieving a higher education is good for more than just getting a better job; it can also save you hundreds on your car insurance policy. It can save you even more than discounts for certain jobs, or for having a high yearly salary.

There are a few local choices for those potential students looking to expand upon their education. Daniel Webster College offers various associate’s and bachelor’s programs, particularly in business and aeronautics. The school also offers an intern program through the nearby Nashua Airport. There is also Rivier College, a private school associated with the Catholic Church, and several satellite campuses of larger institutions in the state.

Obtaining affordable car insurance can certainly end up being a hassle. There’s lots of information you need to contemplate, and determining how insurance agencies examine your potential risk may be challenging. But try not to allow the wrong insurance provider talk you into buying the wrong policy.

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.


New Hampshire Insurance Department

New Hampshire Banking Department

Department of Highway Safety and Motor Vehicles

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