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Who Has the Cheapest Car Insurance for Good Drivers 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 11, 2019

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The words “low-cost” and “auto insurance” really shouldn’t be used in the same sentence, especially when you are shopping around for the cheapest car insurance for good drivers. To save some money, let’s go over some of the factors that can significantly affect auto insurance premiums, and find out if you can reduce the cost of the next policy you buy.

When shopping for insurance for safe drivers, one of the many factors used to establish the price you pay for insurance is where you live. Areas with more people or more claims like Manchester, South Hooksett, and Londonderry tend to pay higher rates, whereas areas with less congestion generally pay lower insurance rates.

The table below lists the higher priced cities in New Hampshire for good drivers to buy an auto insurance policy in.

How much does auto insurance cost in New Hampshire?
Rank City Annual Rate
1 Manchester $1,276
2 Pinardville $1,201
3 South Hooksett $1,192
4 Nashua $1,172
5 Londonderry $1,159
6 Derry $1,152
7 Hampton $1,146
8 Berlin $1,140
9 Newmarket $1,127
10 Claremont $1,125
11 Hudson $1,120
12 Dover $1,112
13 Exeter $1,111
14 Franklin $1,102
15 Laconia $1,098
16 Portsmouth $1,095
17 Somersworth $1,094
18 Rochester $1,087
19 Milford $1,085
20 Hanover $1,073
21 Lebanon $1,072
22 Durham $1,069
23 Concord $1,006
24 Suncook $995
25 Keene $994
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Annual rates are comparative as the specific garaging location can influence premium rates substantially.

The cost and performance of the vehicle needing coverage is probably the biggest factor when comparison shopping for economical car insurance for good drivers. Vehicles with lots of speed or power, a lack of safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer models. The data below illustrates car insurance premiums for some of the cheapest vehicles to buy insurance for.

Car Insurance Rates for Popular Cars in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $780 $390 $65
Ford Focus SEL 4-Dr Sedan $750 $375 $63
Ford Fusion SEL AWD 4-Dr Sedan $834 $417 $70
Honda Civic EX-L 2-Dr Coupe $904 $452 $75
Hyundai Elantra GLS 4-Dr Sedan $766 $383 $64
Hyundai Sonata GLS 4-Dr Sedan $778 $389 $65
Toyota Camry Hybrid $832 $416 $69
Volkswagen Jetta S 2.5 Station Wagon $668 $334 $56
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in your specific New Hampshire location which can raise or lower coverage rates greatly.

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Car Insurance Rates for Popular SUVs and Crossovers in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Cadillac Escalade Hybrid 4WD $992 $496 $83
Chevrolet Traverse LTZ 2WD $682 $341 $57
Ford Escape Limited 4WD $668 $334 $56
Ford Explorer Eddie Bauer 4WD $740 $370 $62
GMC Acadia SL AWD $686 $343 $57
Honda CR-V LX 4WD $612 $306 $51
Honda Pilot EX-L 2WD $740 $370 $62
Hyundai Tucson GLS 4WD $686 $343 $57
Jeep Grand Cherokee Limited 4WD $780 $390 $65
Jeep Patriot Sport 2WD $670 $335 $56
Nissan Pathfinder SE 2WD $686 $343 $57
Toyota Highlander 2WD $686 $343 $57
Toyota RAV4 Sport 4WD $726 $363 $61
Volvo XC90 V8 AWD $834 $417 $70
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in garaging location in New Hampshire which can raise or lower coverage rates substantially.

Car Insurance Rates for Popular Pickup Trucks in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT 2WD $656 $328 $55
Chevrolet Silverado 3500HD LT Crew Cab 2WD $794 $397 $66
Chevrolet Silverado LS Regular Cab 4WD $670 $335 $56
Dodge Ram 2500 Crew Cab SLT 2WD $886 $443 $74
Dodge Ram Quad Cab ST 2WD $738 $369 $62
Ford F-150 FX4 4WD $740 $370 $62
GMC Sierra 3500HD SLT Extended Cab 4WD $932 $466 $78
GMC Sierra SLT Extended Cab 4WD $780 $390 $65
Toyota Tacoma 4WD $686 $343 $57
Toyota Tundra SR/5 Double Cab 4WD $792 $396 $66
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in vehicle garaging location which can change coverage rates noticeably.

Buying reasonably-priced insurance is difficult, and finding out which company quotes the best car insurance rates for good drivers requires even more work. Policy rates should be moderately better than the average price in New Hampshire, with the lower cost attributed to the potential for less claims related to selling insurance for safe drivers. Competitive insurance should be possible from many insurers.
Every auto insurer uses different criteria to determine rates, so first let’s look at the rankings for the car insurance companies that tend to be cheaper in New Hampshire.

It’s important that readers know that New Hampshire car insurance rates are based on many factors that control the cost of a policy. This price fluctuation is why it is critical to spend some time comparing rates when trying to get affordable auto insurance rates for good drivers. Prices are influenced by many factors and can change substantially, so the best company when you last compared rates may now be priced much higher than other options.

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 Concord $684
2 Travelers $723
3 Patriot $796
4 USAA $829
5 Vermont Mutual $873
6 Amica $907
7 Encompass $1,025
8 Progressive $1,053
9 MMG Insurance $1,080
10 State Farm $1,133
11 MetLife $1,253
12 Liberty Mutual $1,344
13 GEICO $1,428
14 The Hartford $1,732
15 Safeco $1,740
16 Allstate $1,849
17 Hanover $2,148
18 Commerce Group $2,513
19 Nationwide $6,130
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Concord normally has some of the most affordable car insurance rates in New Hampshire at around $684 a year. Travelers, Patriot, USAA, and Vermont Mutual would also be considered some of the more affordable New Hampshire auto insurance companies.

As shown above, if you currently have coverage with USAA and switched to Concord, you may realize an annual premium reduction of about $145. Policyholders with Vermont Mutual could save as much as $189 a year, and Amica policyholders might cut rates by $223 a year.

If you want to see how much you could save, click here to get a free quote or visit any of the low-priced companies below.

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

Bear in mind that those policy rates are averaged for all types of insureds and vehicles and do not take into consideration a price decrease for good drivers. So the car insurance company that is best suited for you may not even be shown in the list above. That is why you need to get auto insurance quotes using your own driver data and vehicle information.

How to get discounts on New Hampshire car insurance

Cheaper New Hampshire car insurance for safe driversCar insurance companies that provide the cheapest auto insurance for good drivers in New Hampshire may have premium discounts that could reduce prices by as much as 30% if you qualify. Companies and a selection of discounts are detailed below.

  • GEICO offers discounts for daytime running lights, emergency military deployment, military active duty, anti-lock brakes, driver training, defensive driver, and air bags.
  • Mercury Insurance has discounts for good driver, location of vehicle, accident-free, good student, and multi-policy.
  • Farmers Insurance offers premium reductions for homeowner, alternative fuel, business and professional, early shopping, and distant student.
  • Auto-Owners Insurance has savings for multi-policy, good student, safe vehicle, anti-theft, student away at school, and company car.
  • Liberty Mutual offers discounts including new vehicle discount, newly married, new graduate, teen driver discount, newly retired, and preferred payment discount.
  • SAFECO discounts include drive less, safe driver, homeowner, multi-car, and anti-theft.
  • Progressive policyholders can earn discounts including online signing, multi-vehicle, continuous coverage, good student, and homeowner.
  • USAA may offer discounts for loyalty savings, family discount, safe driver, new vehicle, military installation, and annual mileage.

The example below illustrates the comparison of auto insurance costs with and without discounts applied. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, New Hampshire state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, passive restraint, multiple policy, accident-free, safe-driver, and homeowner discounts applied. When discounts are applied, the average amount saved each year on car insurance for good drivers is 28% or $265.

The illustration below highlights how deductible choice can impact insurance costs when searching for cheap insurance for good drivers. The premiums are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could lower their policy premium by $298 a year by switching from a $100 deductible to a $500 deductible, or save $452 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old, could possibly save as much as $670 or even more by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it is important to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

How to find the cheapest auto insurance for good drivers in New Hampshire

The list below summarizes some of the recommended penny-pinching ideas that can help New Hampshire drivers get the cheapest auto insurance.

  • Raise your deductibles
  • Clean up your credit rating
  • Just one traffic violation will increase your rates
  • Do not get into accidents
  • Lower rates by purchasing a safer vehicle
  • Shop around for cheaper prices

The last tip is extraordinarily vital, as we stressed in the prior information. Prices charged by auto insurers in New Hampshire can change considerably in a year, so drivers shouldn’t hesitate to switch companies if a cheaper price is available.

Being loyal to a particular company is commendable, but we do not recommend it if that devotion results in you overpaying hundreds of dollars a year. It takes less than five minutes to shop around to find cheaper insurance for good drivers.

Cheap insurance quotes for safe drivers

Thanks to technology, drivers have a lot of ways to compare car insurance prices in New Hampshire, but the three most common methods are through an independent or non-exclusive agent, an exclusive agency like State Farm or Allstate, or from a direct company like Progressive.

Each way has the same basic process, but each is slightly different in how they provide price quotes.

Independent agencies are appointed by several companies and can do rate comparisons with every one. These agents possess the freedom to get prices from more than one company, which may provide you with a better overall rate comparison. If cheaper coverage is found, the agent simply finds a different carrier and you don’t have to find a new agent.

An agent who is captive is able to quote prices with one company, two examples being Liberty Mutual and Allstate agents. These agents usually cannot provide rate quotes from other companies, so if the price isn’t competitive there isn’t much they can do.

Car insurance from a direct company means you bypass local agents and instead shop from a direct company like Progressive. Buying car insurance direct may be good for families who do not have a complex risk profile and know what coverages, limits, and deductibles they need.

So which of those three methods works best to buy the cheapest auto insurance for good drivers in New Hampshire? The majority of car insurance shoppers assume that shopping direct saves the most money since no commissions are paid to an agent, but that does not always hold true. It could also be said an independent agent results in the cheapest rates because they can quote many companies, but again, it’s not a sure thing. For some people, the exclusive agents have extremely competitive rates that independents and direct companies can’t touch.

Due to the large number of rating factors, really the best method to find out which one is cheapest is to get as many comparison quotes as possible. Money-saving experts recommend you get quotes from all three types to give yourself the best selection. For a list of companies with online 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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