How Much Does Car Insurance Cost for Drivers with Accidents in New Hampshire?
Enter your New Hampshire zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 15, 2019
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When writing about car insurance, the words cheap or affordable should not appear anywhere to describe car insurance rates. It’s a simple fact that cheap auto insurance for drivers with accidents can be hard, if not impossible, to find. But don’t let that discourage you, because we are going to show you how you can still find auto insurance that won’t break the bank.
Finding out which company quotes the most affordable auto insurance rates for drivers with accidents will involve a tad more effort in order to find coverage that fits your budget.
Every car insurance company used slightly different criteria for determining prices, so we’ll go over the auto insurance companies with the overall best prices in New Hampshire. It’s important to understand that New Hampshire auto insurance rates are calculated based on many things that can increase the price you have to pay. Improving your credit rating, having a teen driver, or getting a ticket for running a stop sign may generate price changes that can make some companies cheaper than competitors.
|Rank||Company||Cost Per Year|
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Concord normally has some of the best car insurance rates in New Hampshire at around $712 annually. Travelers, Patriot, USAA, and Vermont Mutual also rank well as some of the cheapest New Hampshire auto insurance companies.
As shown in the rates above, if you buy coverage from Travelers and switched to Concord, you might achieve yearly savings of upwards of $11. Policyholders with Patriot could save as much as $84 a year, and USAA insureds might see rate reductions of $133 a year.
It’s important to note that these premium estimates are averaged for all insureds and vehicles and do not factor in a price surcharge for drivers with accidents. So the auto insurance company that fits your age and vehicle best may not even be included in the rate chart shown above. That illustrates why you need to get rate quotes from many companies using your own specific driver and vehicle information.
When shopping for auto insurance for drivers with at-fault accidents, one of the many factors that is used to help calculate insurance cost is your address in New Hampshire. Densely populated urban areas like Manchester, Nashua, and Pinardville tend to have higher rates, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.
The next table lists the priciest cities in New Hampshire for drivers with accidents in which to buy car insurance.
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Rate quotes are estimated as specific New Hampshire zip code can raise or lower auto insurance rates significantly.
The vehicle model requiring coverage is one of the main factors when looking for the most affordable coverage for drivers with accidents. Vehicles with higher performance, a lack of modern safety features, or a track record of large liability claims will cost significantly more to insure than safer, lower-performance models.
The list below presents insurance prices for the most affordable vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$963|
|Chevrolet Traverse LS 2WD||$977|
|Honda CR-V EX-L 4WD||$986|
|Ford Explorer XLT 4WD||$1,074|
|Toyota Highlander 2WD||$1,080|
|Honda Accord EX-L 4-Dr Sedan||$1,110|
|Subaru Forester X Premium AWP AWD||$1,133|
|Kia Forte LX 4-Dr Sedan||$1,139|
|Hyundai Tucson Limited 4WD||$1,142|
|Ford F-150 XLT Regular Cab 4WD||$1,145|
|Chevrolet Impala LS||$1,200|
|Volkswagen Jetta 2.0T Station Wagon||$1,207|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,210|
|Toyota Tacoma X-Runner 2WD||$1,220|
|Toyota Sienna XLE AWD||$1,210|
|Dodge Grand Caravan Hero||$1,211|
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Prices based on married female driver age 50, no speeding tickets, two at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in New Hampshire location which can increase or decrease coverage rates substantially.
Looking at the rates, we can tell that makes and models like the Ford Escape, Chevrolet Traverse, Honda CR-V, Ford Explorer, and Toyota Highlander are likely to be the most economical vehicles to insure for drivers with at-fault accidents. Rates will tend to be higher because there is more liability exposure for drivers with accidents, but generally speaking those specific models will tend to have the best rates possible.
Does full coverage make sense?
Finding cheap car insurance for drivers with accidents in New Hampshire should be important to the majority of vehicle owners, and one of the best ways to pay lower rates for insurance is to buy liability only. The diagram below compares auto insurance rates when comparing full coverage to liability only. The premiums are based on a clean driving record, no claims, $250 deductibles, single status, and no discounts are taken into consideration.
If averaged out across all ages, physical damage coverage costs an extra $1,672 per year more than just buying liability insurance. That raises the question if buying full coverage is worth the expense. There is no exact formula of when to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s assume your vehicle’s claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after you pay the deductible. If premium cost is more than $600 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.
Discounts on New Hampshire car insurance
Insurers that offer cheap car insurance for drivers with accidents in New Hampshire may also offer special discounts that can lower rates by 25% or more if you meet certain criteria. A list of companies and their offered discounts include:
- State Farm may have discounts that include anti-theft, passive restraint, multiple autos, good driver, and student away at school.
- GEICO discounts include anti-theft, air bags, membership and employees, multi-vehicle, defensive driver, anti-lock brakes, and military active duty.
- Liberty Mutual may include discounts for preferred payment discount, exclusive group savings, safety features, good student, multi-policy, newly retired, and new graduate.
- The Hartford policyholders can earn discounts including vehicle fuel type, bundle, good student, driver training, and defensive driver.
- MetLife may offer discounts for good driver, multi-policy, accident-free, defensive driver, claim-free, and good student.
- Progressive includes discounts for continuous coverage, multi-vehicle, online quote discount, multi-policy, and online signing.
The chart below illustrates the difference between car insurance rates with and without discounts applied to the policy premium. The data assumes a female driver, no violations and two at-fault accidents, New Hampshire state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, vehicle safety, marriage, paid-in-full, anti-theft, and paperless filing discounts applied. When discounts are factored in, the average savings per year on auto insurance for drivers with accidents is 28% or $615.
Which car insurance company is best?
If you’re looking for the cheapest car insurance for drivers with at-fault accidents in New Hampshire, the companies that insure more vehicles than anyone else are State Farm, Geico, Progressive, and Allstate. Between them, they make up about 50% of the car insurance market in the United States. All four offer physical damage and liability coverage, but each has a slightly different mix of options and features that drivers can select from. The data below breaks down price and claims rank as well as some different options that you can purchase from each one.
|Number of Discounts||3rd||2nd||4th||1st|
|Percent of customers who recommend||88%||87%||88%||86%|
|New car replacement coverage||No||No||No||Yes|
|Rating based on usage||Yes||No||Yes||Yes|
|Accident forgiveness coverage||No||Yes||Yes||Yes|
|Offered in New Hampshire||Yes||Yes||Yes||Yes|
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