Cheapest Car Insurance Rates in 2023
Get a Quick Quote
Cheap SR 22 Auto Insurance in New Hampshire: Best Companies & Quotes
Car Insurance Expert
Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.
Best Car Insurance Companies in New Hampshire
- State Farm
- Concord Group
|Geico||State Farm||Concord Group||Progressive||Amica||Metropolitan|
|AM Best Financial Strength Rating||A++||A++||A+||A+||A+||A|
|JD Power 2019 Overall Customer Satisfaction score||3/5||3/5||N/A||3/5||5/5||3/5|
|Avg Annual Premium||$379||$458||$503||$593||$901||$931|
|Consumer Reports Reader Score||78||78||N/A||75||89||N/A|
|BBB Rating||A+||A+||A+||A+||A+||Not Rated|
Auto Insurance Statistics in New Hampshire
Auto insurance rates in New Hampshire have stabilized at a rate below the national average.
Top 10 Cheapest Car Insurance Companies in New Hampshire
|Rank||Company Name||Avg. Annual Premium|
|4||Commerce Group Inc||$1,017|
Drunk Driving Fatalities
Drinking and driving results in fatalities. This dangerous practice continues to occur all across the country. When obtaining car insurance, it is helpful to understand the rate of drunk driving fatalities in the state of New Hampshire. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in New Hampshire vs. nationwide.
Drunk driving fatalities in New Hampshire from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in New Hampshire is at a rate that is very high and is in fact, much higher than the national average. To combat this practice, teachers and parents need to stress the dangers of drinking and driving to teens. The below statistics compare the percentage of New Hampshire drivers that are teenagers who are drinking and driving in relation to national averages.
Teen Drinking & Driving in New Hampshire vs. Nationwide
SR-22 Insurance in New Hampshire
In New Hampshire, you will often be required to prove you have the financial capacity to pay for an accident if you have a previous driving infraction on your record. An SR-22 policy is proof that you meet the state's bare minimum for insurance coverage — the length that you have to file an SR-22 form as proof of insurance will depend no your particular circumstances.
Unlike other states, New Hampshire's SR-22 laws are very subjective. If you want to relieve yourself of needing to file this type of insurance, you can contact the ‘Bureau of Financial Responsibility' and request for your case to be re-examined. Either way, it's important to shop around for SR-22 policies before you make any firm decisions — it can get expensive if you don't compare the market.
Car Theft in New Hampshire
Learning about the level of car theft in New Hampshire can help car owners to stay better protected. It will also give car insurance buyers an idea as to how many car thefts occur. Comprehensive car insurance coverage is the best option for drivers who want to protect against automobile theft.
Vehicle thefts by rank nationwide vs. New Hampshire
Uninsured Motorists in New Hampshire
There are drivers that operate motor vehicles in New Hampshire without sufficient auto insurance coverage. When a car accident such as a head on collision occurs with an uninsured driver, it is beneficial to have uninsured and underinsured motorist coverage. The below data shows how well New Hampshire ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
The Type of Vehicle You Drive
If you want to pay the cheapest rates for car insurance, you must have the best car to insure. The general rule of thumb dictates that vehicles with the highest safety ratings and the newest model years are the least expensive to insure. The newer your vehicle is the less it costs to insure due to the number of parts available and the ease with which the car can be repaired. Larger vehicles such as minivans vans SUVs are also less expensive to insure because you’re less likely to suffer such serious injuries in these vehicles. That changes if you have a larger engine in your vehicle, however. Tell your insurance company anytime you buy a new car with additional safety features and driver’s assistance programs that might lower the cost of your insurance.
The Kind of Credit Score You Have
Insurance companies take a large risk in insuring people. They want to know who they are insuring, and what kind of person you are when you apply for a policy with them. It’s illegal to deny you an insurance policy based on the type of credit score you have, but you will pay a much higher rate if your credit score is lower. If you have time to get your score up, try that before you go applying for new insurance policies. You can spend a few months making only on-time payments, and you can call the credit bureaus to dispute any mistakes you find on your credit report. If you have any rise in your score at all, you can get a better rate.
Your Personal Life
Your age, sex, and your marital status are all factors used to determine how much you’ll pay for insurance. If you are a young woman, an older man, or a married person, you’re less expensive to insure. You also have to consider where you live. If the neighborhood in which you live is not considered safe or the economic status of the area isn’t the best, you’re going to pay more. Your car is more likely to be stolen or damaged in a vandalism case, and many of the people in low-economic neighborhoods don’t pay for their own insurance policies. This means you’ll pay more to make up for their lack of insurance It’s not fair, but it’s the law. If you commute far to work, you’ll also pay more for insurance.
There are ways to drop the price of your premium no matter what you drive or how bad your credit score is. If you are a member of a professional organization such as AAA that offers discounts for insurance policies, you can do that. If you have an insurance company you’ve worked with for many years with a great history of making on-time payments and not filing claims, you can always call and let them know you want to see about a lower rate or you’ll have to start looking for the best car insurance company.
It’s possible for New Hampshire residents to pay less for their insurance, but it’s not always as simple as applying for a new policy. Be careful not to abandon your existing company until you know you have a better rate elsewhere. Your current policy might be your best bet if you can negotiate with the company.
Types of Auto Insurance Coverage in New Hampshire:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Requirements For Car Insurance in New Hampshire
There are minimum requirements for car insurance in the state of New Hampshire. According to The New Hampshire DMV, it is mandatory to have liability coverage as well as medical payments coverage and uninsured motorist coverage for every registered driver who is operating a vehicle in the state.
Liability Coverage minimums for the state of New Hampshire:
$25,000 for bodily injury, per person
$25,000 for property damage
$50,000 for bodily injury, when the collision involves multiple parties
Medical Payment Coverage of $1,000 for policyholder’s medical costs.
Uninsured Motorist Coverage minimum must match liability coverage.
New Hampshire state law does not mandate auto insurance coverage, however, if an accident results in the driver being the at fault party, state law requires that a payment for bodily injury and property damage be remitted.
Source: New Hampshire DMV
Cheap Auto Insurance Discounts
Cheap car insurance quotes in New Hampshire are provided to drivers who meet specific criteria. There are many discounts available, however, drivers often don’t know about them in order to take advantage of them. When it comes to saving money on the cost of car insurance, discounts can prove to be invaluable. Below are some of the most common discounts available to drivers in the state of New Hampshire.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Auto Insurance in New Hampshire
This frequently asked questions section covers all aspects of general auto insurance in the state of New Hampshire.
Why does New Hampshire not require auto insurance?
How to cancel car insurance in New Hampshire?
Do I need car insurance when I buy a car in New Hampshire?
What are the New Hampshire auto insurance laws when buying a car?
Do you need to have car insurance when you are a student driver in New Hampshire?
How to remove a driver from your auto insurance in New Hampshire?
In New Hampshire, how long do I have to add another car to my auto insurance policy?
Do you need car insurance if you own the vehicle when you pick it up from the dealership in New Hampshire?
What is the best auto insurance in New Hampshire?
How to choose an auto repair facility for an insurance claim in New Hampshire?
How many people in New Hampshire have auto insurance?
When to transfer a vehicle onto insurance after buying a used car in New Hampshire?
What violations are reported to insurance companies in New Hampshire?
- Speeding tickets
- Car accidents, if reported
- Driving under the influence of drugs and alcohol
- Dangerous driving violations
How old do you have to be to have car insurance in New Hampshire?
In New Hampshire, how long does a car accident take to come off insurance record?
In New Hampshire, whose insurance pays in a car accident?
What do I need to provide to get car insurance in New Hampshire?
- Your current driver’s license number.
- The VIN number of the car.
- The type of insurance coverage you want for the car.
- First month’s premium payment.
When do you need to purchase insurance for a car in New Hampshire?
How to check if a car has insurance in New Hampshire?
How many days do you have to file a car insurance property damage claim in New Hampshire?
Does New Hampshire require SR22 insurance after DUI?
How to apply for motorcycle insurance in NH?
General Auto Insurance Price in New Hampshire
In this section, you will find general auto insurance price questions in New Hampshire to find the best prices for your vehicle.
How much is car insurance in New Hampshire?
What is the average car insurance cost in New Hampshire?
How much is car insurance per month for a girl in New Hampshire?
Why are car insurance rates going up in New Hampshire?
Where to find New Hampshire’s lowest auto insurance quotes?
How much would car insurance cost per month for a Honda Civic in New Hampshire?
Why is New Hampshire car insurance so expensive?
How much is car insurance in New Hampshire for a new driver?
What county in New Hampshire has the best car insurance rates?
How much is car insurance when you rent a car in New Hampshire?
Auto Insurance in New Hampshire Coverage
In this frequently asked question section, you will find general auto insurance coverage in New Hampshire questions and answers.
What are the typical deductibles for comprehensive and collision auto insurance in the state of New Hampshire?
What is full coverage auto insurance in New Hampshire?
What is the minimum auto insurance coverage in New Hampshire?
Who is covered under New Hampshire auto insurance?
What coverage should I choose for New Hampshire car insurance?
Who needs full coverage car insurance in New Hampshire?
What insurance is needed to lease a car in New Hampshire?
Lack of Auto Insurance in New Hampshire
In this section, you will find frequently asked questions pertaining to lack of car insurance in New Hampshire.
What do you do in New Hampshire if you have no insurance and some hits your car?
What happens if you don’t have high risk car insurance in New Hampshire?
In New Hampshire, how much for a ticket for no car insurance?
In New Hampshire, what is uninsured auto insurance mean?
After lose car insurance in New Hampshire, how long do you have to get new insurance?
What happens if you have an accident, but don’t have car insurance in New Hampshire?
How many days do I have if my car insurance lapses in New Hampshire?
General Car Insurance Companies in New Hampshire
In this section, you will find general frequently asked questions pertain to insurance companies in New Hampshire.
How to add an automobile to New Hampshire State Farm insurance?
In New Hampshire what auto insurance companies do not use agencies?
- Concord Group Insurance
- Amica Auto, Home and Life Insurance
- Nationwide Auto Insurance
- State Farm Insurance
- Progressive Auto Insurance
If you are wanting to change auto insurance companies then simply fill out our form above and compare rates of the different companies.
What companies are allowed to sell auto insurance in New Hampshire?
- State Farm Auto Insurance
- Concord Group Insurance
- Amica Auto, Home and Life Insurance
- Nationwide Auto Insurance
- GEICO Insurance