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Best Cheap Auto Insurance for Drivers with a Bad Driving Record in New Hampshire

Enter your New Hampshire zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 12, 2019

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Everyone has different tastes in autos, and the style of vehicle that is being insured is one of the primary factors when consumers are trying to find the best cheap auto insurance for drivers with a bad driving record in New Hampshire. Vehicles with higher performance, poor safety features, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models. The lists below estimates coverage prices for a selection of the most budget-friendly automobiles to insure.

Insurance Rates for Popular Cars in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $2,344 $1,172 $195
Ford Focus SES 4-Dr Sedan $2,402 $1,201 $200
Honda Accord EX-L 4-Dr Sedan $2,092 $1,046 $174
Hyundai Elantra GLS 4-Dr Sedan $2,426 $1,213 $202
Hyundai Sonata GLS 4-Dr Sedan $2,520 $1,260 $210
Kia Optima LX $2,520 $1,260 $210
Toyota Camry XLE $2,426 $1,213 $202
Toyota Corolla LE $2,426 $1,213 $202
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Price data assumes married male driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific location information which can impact premium rates noticeably.

Insurance Rates for Popular SUVs and Crossovers in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX Advance 4WD $2,476 $1,238 $206
Acura RDX Technology Package 2WD $2,222 $1,111 $185
Chevrolet Suburban LT 4WD $2,344 $1,172 $195
Chevrolet Traverse LS 2WD $1,984 $992 $165
Ford Escape Limited 4WD $2,092 $1,046 $174
Ford Explorer XLT 4WD $2,212 $1,106 $184
GMC Acadia SL 2WD $2,188 $1,094 $182
Honda CR-V EX-L 2WD $1,984 $992 $165
Honda Pilot EX-L 4WD $2,344 $1,172 $195
Jeep Grand Cherokee Limited 2WD $2,450 $1,225 $204
Toyota 4Runner Sport 4WD $2,116 $1,058 $176
Toyota Highlander Sport 2WD $2,344 $1,172 $195
Toyota RAV4 2WD $2,320 $1,160 $193
Volvo XC90 3.2 AWD $2,582 $1,291 $215
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Prices above based on married male driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Information does not factor in specific garaging location which can modify auto insurance rates greatly.

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Insurance Rates for Popular Pickup Trucks in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT 4WD $1,960 $980 $163
Chevrolet Silverado Crew Cab Hybrid 4WD $2,582 $1,291 $215
Dodge Ram 2500 Mega Cab Laramie 4WD $2,806 $1,403 $234
Dodge Ram 3500 Mega Cab Laramie 2WD $2,606 $1,303 $217
Dodge Ram Quad Cab SLT 2WD $2,544 $1,272 $212
Ford F-150 STX Super Cab 4WD $2,236 $1,118 $186
GMC Canyon SLE Regular Cab 2WD $2,188 $1,094 $182
GMC Sierra SLT Extended Cab 4WD $2,450 $1,225 $204
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $2,344 $1,172 $195
Toyota Tundra Regular Cab 4WD $2,544 $1,272 $212
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Data variables include married male driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Information does not factor in vehicle garaging location which can alter premium rates noticeably.

When shopping for the cheapest auto insurance for bad drivers, one of the many considerations that auto insurance companies use when figuring the cost of insurance is your address in New Hampshire. Areas with more people like Manchester, Nashua, and Exeter tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of lower rates.

The information below sorts the most expensive places in New Hampshire for drivers with a bad driving record to buy an auto insurance policy in.

How much is auto insurance in New Hampshire?
Rank City Average Per Year
1 Manchester $1,289
2 Pinardville $1,213
3 Nashua $1,172
4 Hampton $1,158
5 Exeter $1,157
6 South Hooksett $1,156
7 Derry $1,152
8 Berlin $1,140
9 Hudson $1,132
10 Londonderry $1,125
11 Milford $1,118
12 Newmarket $1,116
13 Claremont $1,114
14 Durham $1,113
15 Somersworth $1,105
16 Franklin $1,102
17 Dover $1,101
18 Portsmouth $1,095
19 Laconia $1,087
20 Rochester $1,087
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Premium costs are estimated as the specific area where the vehicle is garaged can affect prices significantly.

Finding dependable, low-priced insurance is not always easy, and figuring out which companies quote the most affordable insurance rates for drivers with a bad driving record will take even more diligence. Coverage prices will most likely be significantly greater than the average price in New Hampshire, with the higher price attributed to the additional risk that comes with offering insurance for bad drivers, but competitively-priced insurance may be possible if you compare enough companies. Every auto insurer has their own unique process for determining rates, so to begin we’ll rank the insurance companies with the overall cheapest rates in New Hampshire.

Enter your zip code below to view companies that have cheap auto insurance rates.

New Hampshire auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $702
2 Concord $705
3 Patriot $788
4 USAA $829
5 Vermont Mutual $891
6 Amica $907
7 Progressive $1,043
8 Encompass $1,056
9 MMG Insurance $1,070
10 State Farm $1,133
11 MetLife $1,253
12 Liberty Mutual $1,344
13 GEICO $1,400
14 Safeco $1,689
15 Allstate $1,777
16 The Hartford $1,802
17 Hanover $2,170
18 Commerce Group $2,438
19 Nationwide $5,950
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Travelers offers some of the most affordable car insurance rates in New Hampshire at around $702 per year. Concord, Patriot, USAA, and Vermont Mutual would also make the list of some of the lowest-priced New Hampshire insurance companies.

In the above example, if you are currently insured with Patriot and switched to Travelers, you might see yearly savings of upwards of $86. Insureds with USAA could save as much as $127 a year, and Vermont Mutual policyholders might reduce prices by as much as $189 a year.

Bear in mind that those rates are averaged across all insureds and vehicles and and are not figured with a price increase for drivers with a bad driving record. So the insurer that can offer you the lowest price may not even be included in the chart above. That illustrates why you need to compare as many prices as possible using your own personal information and vehicle type.

Enter your zip code below to view companies that have cheap auto insurance rates.

Full coverage or liability only

Finding the best cheap auto insurance for drivers with a bad driving record in New Hampshire should be important to most drivers, and one of the fastest ways to find cheaper insurance is to not buy full coverage. The information below illustrates the difference between car insurance rates with liability coverage only compared to full coverage. The prices are based on no claims or violations, $500 deductibles, drivers are single, and no other discounts are factored in.

If we average the cost for all age groups, full coverage on your policy costs $1,233 per year over and above liability coverage. That is a significant amount which raises the question if buying full coverage is worth the money. There is no set guideline to delete comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

The diagram below shows how choosing a deductible can impact insurance costs when researching cheap insurance for drivers with a bad driving record. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

As shown above, a 30-year-old driver could lower rates by $226 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $340 by selecting a $1,000 deductible. Youthful drivers, such as the Age 20 example, could shave $482 each year just by choosing higher deductibles. When raising deductibles, it will now be necessary to have enough in a savings account to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to find the best cheap auto insurance for drivers with a bad driving record in New Hampshire

The list below shows some penny-pinching solutions that can help you find cheaper auto insurance.

  • Safe vehicles cost less to insure
  • Violations like speeding or DUI increase rates
  • Being accident-free can lower rates significantly
  • Discounts for being claim-free can be substantial
  • Buying home and auto insurance together can earn discounts
  • Compare rates often to find the best deal

The last suggestion is very important, as we noted in this article. Insurance rates in New Hampshire go up and down frequently, so don’t be afraid to switch carriers if a better rate can be found. Many drivers have brand loyalty and that’s fine, but it’s not recommended if that stubbornness costs you a fortune every year. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for drivers with a bad driving record.

Cheapest insurance quotes for bad drivers

Drivers have many ways to quote and buy insurance in New Hampshire, but the most frequently used are through a captive (or exclusive) agency such as Liberty Mutual or Allstate, an independent agent, or from a direct company like Geico.

They all have the same end result, but insurance shoppers should know the differences in how they provide rate quotes.

Independent insurance agents are appointed by several companies and can quote your policy with each one. They are usually affiliated with several companies and can give you a larger rate selection, which may give you improved odds of finding cheaper coverage. If your agent finds a cheaper company, your agent can just switch to a different company and you do not have to find a new agent.

An exclusive agent is able to quote prices with a single company, two of the more popular are an Allstate or Liberty Mutual agent. This type of agents cannot shop your coverage around, so drivers will want to get other quotes as well.

The third popular method of shopping for insurance is direct, which means you skip a local agent and buy buying direct from a company like Esurance or Geico. This option may be the best choice drivers who have lower risk management needs and have a good understanding of what insurance covers.

Which method works best for finding the best cheap auto insurance for drivers with a bad driving record in New Hampshire? One answer would be shopping direct saves money because there isn’t an agent involved, but in reality, that is not the case. We’d also like to say an independent agency guarantees the best prices since they can quote with many companies, but that assumption is also not necessarily accurate. In many circumstances, the exclusive agents have really good rates well below independent agents AND direct companies.

Due to the large number of rating factors, the only true way to get rock-bottom rates is to get quotes and compare. Industry experts recommend getting quotes from all three to give yourself enough choices. A great place to start is our list of online companies offering discounts: click here to view.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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