Cheapest Car Insurance Quotes for Teenagers in New Hampshire
Enter your New Hampshire zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 17, 2019
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Writing this article would sure be easy if we could simply tell you the one car insurance company that has the rock bottom lowest rates in New Hampshire. It’s not that easy, however, as there are a whole bunch of unknown aspects such as if you are a homeowner, if you are currently insured, and the miles you drive each year. This article delves into the best ways to avoid overpriced car insurance and will hopefully give you a good beginning to your quest for cheaper car insurance in New Hampshire.
Finding decent, budget insurance is hard enough, and finding out which companies have the lowest-priced car insurance rates for teenagers requires additional perseverance. Coverage prices will most likely be much more than the state average due to the potential for more claims that goes along with selling insurance for teen drivers, but competitively-priced coverage may be available with a little diligence.
Every auto insurer has their own guidelines to establish rates, so to begin we’ll rank the most affordable car insurance companies in New Hampshire. It’s a good idea to know that New Hampshire car insurance rates are influenced by many factors that can increase your annual premium. Things like having a birthday, marrying your spouse, or having a fender bender can trigger rate changes that can cause some rates to be more expensive than before.
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Concord may have some of the most affordable car insurance rates in New Hampshire at around $705 annually. Travelers, Patriot, USAA, and Amica also are some of the best New Hampshire car insurance companies.
As shown in the table above, if you currently have coverage with USAA and switched to Travelers, you could see a yearly price reduction of in the vicinity of $104. Policyholders with Amica may save as much as $173 a year, and Vermont Mutual customers might cut rates by $184 a year.
These prices are averages across all drivers and vehicles in New Hampshire and and are not figured with a rate increase for teenagers. So the company that fits your needs best may not even be shown in the list of companies shown earlier. That helps illustrate why you need to get car insurance quotes using your own individual information.
Enter your zip code below to view companies that have cheap auto insurance rates.
When shopping for the cheapest insurance for teen drivers, one of the many considerations that affect the amount you pay for auto insurance is your address. More densely populated places like Manchester, Nashua, and South Hooksett tend to have higher auto insurance costs, whereas areas with less congestion have the luxury of the cheapest auto insurance for teenagers in New Hampshire.
The information below lists the most costly cities in New Hampshire for teenagers to purchase car insurance in.
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Price information shown is approximated as the garaging address in New Hampshire can alter insurance rates noticeably.
Get discounts on New Hampshire car insurance
Insurance providers that sell the cheapest auto insurance for teenagers in New Hampshire may also offer discounts that can lower rates by 35% or more if you meet eligibility requirements. Larger car insurance companies and a selection of discounts are outlined below.
- GEICO includes discounts for good student, multi-vehicle, military active duty, emergency military deployment, defensive driver, anti-lock brakes, and membership and employees.
- Travelers offers discounts for multi-policy, new car, multi-car, payment discounts, hybrid/electric vehicle, and save driver.
- Nationwide has discounts for multi-policy, good student, defensive driving, accident-free, Farm Bureau membership, and anti-theft.
- Farmers Insurance has savings for teen driver, distant student, business and professional, multi-car, alternative fuel, and electronic funds transfer.
- Esurance may have discounts that include multi-car, homeowner, online quote, anti-lock brakes, emergency road assistance, DriveSense, and good driver.
- State Farm may offer discounts for passive restraint, anti-theft, good driver, defensive driving training, good student, and Drive Safe & Save.
- Progressive policyholders can earn discounts including multi-policy, multi-vehicle, online signing, continuous coverage, homeowner, online quote discount, and good student.
- Mercury Insurance may include discounts for multi-car, annual mileage, anti-theft, type of vehicle, and accident-free.
The example below illustrates the difference between annual premium costs with and without discounts. The prices are based on a male driver, no claims or violations, New Hampshire state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, passive restraint, anti-theft, continuous coverage, paid-in-full, and good student discounts applied. When discounts are factored in, the average savings per year on car insurance for teenagers is 28% or $484.
Cautious New Hampshire drivers save money
In a perfect world, the best way to snag good car insurance rates for teen drivers is to drive attentively and avoid accidents and traffic citations. The chart below shows how speeding tickets and fender-benders influence premium costs for different ages of insureds. The information is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
In the chart above, the average cost of an auto insurance policy in New Hampshire per year with no accidents or violations is $1,072. Factor in two speeding tickets and the average cost jumps to $1,523, an increase of $451 each year. Now get one accident along with the two speeding tickets and the yearly cost of car insurance for teenagers increases to an average of $1,974. That’s an increase of $903, or $75 per month, just for not being a responsible driver!
Can you find cheaper New Hampshire car insurance?
New Hampshire car insurance rates are impacted by many factors that can increase the price of your policy. Simply turning a year older, moving across town, or getting a driving violation can produce rate changes that can now make some companies cheaper than before. In addition to those changes, car insurance companies change the rates they charge in New Hampshire every year in order to remain profitable. Higher than normal claims can cause rate increases, while a lower level of claims can produce lower-priced New Hampshire car insurance rates.
For example, the chart below shows the companies that have the cheapest car insurance in New Hampshire for a 40-year-old female driver with no accidents, a clean driving record, and good credit. When comparing rates based on her current risk factors, Concord may offer the cheapest car insurance rates in New Hampshire at $684 annually. This is $846 less than the average rate paid by New Hampshire drivers of $1,530. Travelers, USAA, Patriot, and Vermont Mutual are the remaining cheapest New Hampshire auto insurance companies.
Let’s now give the driver from the above example a claim or two, a lower credit score, and a stop sign violation. Because each insurer has their own guidelines to set their prices, comparing insurance quotes could result in a different ranking of the cheapest companies as shown below.
Travelers now has the lowest price in New Hampshire with Encompass, Progressive, MMG Insurance, and State Farm also being competitive. This example shows why it is so important to compare lots of rates when trying to get the most affordable insurance quotes for teenagers. Car insurance prices are influenced by many factors and can increase or decrease at any time, so the best option the last time you compared rates may now be costing you a lot of money.
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