Average car insurance cost in Nashua
Full coverage car insurance in Nashua costs an average of $1,744 per year, or $145 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $552 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $872 |
| Average annual premium | $1,744 |
| State minimum premium | $552 |
Cheapest car insurance companies in Nashua
The Hanover offers the cheapest full coverage car insurance in Nashua at $1,172 per year. GEICO has the next-lowest average rate. Since insurance companies use different pricing methods, the most affordable carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. varies significantly from one driver to another.
Your location, driving record, vehicle, selected limits, and insurance company all influence your premium. When comparing insurers, request quotes with matching coverage limits and deductibles to ensure the price comparison is accurate.
Below are the companies that offer cheap car insurance to drivers in Nashua.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| The Hanover | $586 | $1,172 |
| GEICO | $592 | $1,184 |
| Auto-Owners | $695 | $1,389 |
| Nationwide | $855 | $1,710 |
| MMG Insurance | $868 | $1,735 |
| Progressive | $923 | $1,845 |
| Allstate | $1,021 | $2,043 |
| Farmers | $1,305 | $2,610 |
| State Farm | $1,336 | $2,673 |
| USAA | $539 | $1,078 |
Cheapest car insurance cost in Nashua by age group
Car insurance prices in Nashua differ by age because insurers consider how driving experience impacts expected accident risk. The Hanover is the cheapest company for teens, The Hanover for young adults, The Hanover for adults, and The Hanover for seniors, based on the rates in our analysis.
Take a look at the cheapest companies in Nashua by age below:.
- Cheapest for teens: The Hanover
- Cheapest for young adults: The Hanover
- Cheapest for adults: The Hanover
- Cheapest for seniors: The Hanover
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. The Hanover offers the cheapest car insurance for teens at $2,149 per year.
For young adults, The Hanover offers the lowest average rate at $1,482 annually. Young adults pay less than teenagers as they gain experience, but their premiums remain higher than rates for older adult drivers.
The Hanover is the least expensive insurer for adult drivers in Nashua, with an average annual premium of $1,129. Adults benefit from greater driving experience and a lower likelihood of filing an accident claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing..
Senior drivers can find the cheapest average car insurance from The Hanover at $1,080 per year. Premiums may increase for some older drivers when insurers account for changes in reaction time, vision and accident risk.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| The Hanover | $2,149 | $1,482 | $1,129 | $1,080 |
| GEICO | $4,047 | $1,996 | $1,237 | $1,270 |
| Auto-Owners | $3,328 | $2,255 | $1,448 | $1,474 |
| Nationwide | $6,561 | $2,995 | $1,684 | $1,704 |
| MMG Insurance | $3,770 | $2,758 | $1,825 | $1,984 |
| Progressive | $8,675 | $3,173 | $1,838 | $1,751 |
| Allstate | $4,988 | $3,036 | $2,138 | $2,316 |
| Farmers | $10,261 | $4,917 | $2,598 | $2,549 |
| State Farm | $8,778 | $4,673 | $2,700 | $2,633 |
| USAA | $6,772 | $2,140 | $1,102 | $1,174 |
Cheapest car insurance companies in Nashua by driver profile
The cheapest car insurance provider in Nashua varies based on driving history and credit-based insurance information. The Hanover has the lowest rate after an at-fault accident, The Hanover after a DUI, and Auto-Owners after a speeding ticket. Shopping around becomes particularly valuable after a violation.
Below are some of the cheapest car insurance companies in Nashua by driver profile.
- Cheapest for poor credit: GEICO
- Cheapest for an at-fault accident: The Hanover
- Cheapest for a DUI: The Hanover
- Cheapest for a driver with a speeding ticket: Auto-Owners
Cheapest for a driver with poor credit: GEICO
Drivers with poor credit in Nashua can find the lowest average car insurance rate from GEICO at $1,783 per year.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Nashua.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $892 | $1,783 |
| Auto-Owners | $1,010 | $2,020 |
| Nationwide | $1,299 | $2,598 |
| Allstate | $1,405 | $2,811 |
| Progressive | $1,623 | $3,246 |
| The Hanover | $1,911 | $3,822 |
| Farmers | $2,390 | $4,781 |
| State Farm | $5,630 | $11,260 |
| USAA | $1,039 | $2,078 |
Cheapest auto insurance after an at-fault accident: The Hanover
After an at-fault accident, The Hanover has the cheapest average car insurance in Nashua at $1,829 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Nashua.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| The Hanover | $914 | $1,829 |
| Auto-Owners | $1,003 | $2,006 |
| GEICO | $1,180 | $2,360 |
| Nationwide | $1,463 | $2,926 |
| State Farm | $1,465 | $2,930 |
| Progressive | $1,489 | $2,978 |
| Allstate | $1,522 | $3,044 |
| Farmers | $2,279 | $4,558 |
| USAA | $791 | $1,582 |
Cheapest auto insurance after a DUI: The Hanover
The Hanover offers the cheapest average car insurance after a first-offense DUI/DWI in Nashua, with a rate of $1,688 per year. A DUI will cause a major premium increase because insurers classify the driver as a higher risk, but shopping around can help you find lower rates.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Nashua.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| The Hanover | $844 | $1,688 |
| Progressive | $1,059 | $2,117 |
| Auto-Owners | $1,212 | $2,425 |
| Allstate | $1,309 | $2,617 |
| GEICO | $1,408 | $2,815 |
| State Farm | $1,717 | $3,434 |
| Nationwide | $1,980 | $3,961 |
| Farmers | $2,042 | $4,083 |
| USAA | $875 | $1,750 |
Cheapest for drivers with a speeding ticket: Auto-Owners
Auto-Owners offers the cheapest car insurance at $1,592 in Nashua for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Auto-Owners | $796 | $1,592 |
| Allstate | $1,184 | $2,369 |
| GEICO | $1,194 | $2,388 |
| Progressive | $1,222 | $2,445 |
| Nationwide | $1,444 | $2,889 |
| Farmers | $1,729 | $3,457 |
| USAA | $622 | $1,245 |
Car insurance discounts for Nashua drivers
The largest available car insurance discount in Nashua is Student Away At School, which provides average savings of 42% through Safety Insurance. Savings and eligibility vary by insurer, but drivers may also qualify for safe-driving, good-student, bundling, vehicle-safety, and payment-related discounts.
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Here are some of the car insurance discounts insurers offer to Nashua drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | Nationwide | $1,475 | $1,458 | 1% | $18 |
| Air Bags | Farmers | $2,784 | $2,689 | 3% | $95 |
| Anti-Theft Device | GEICO | $1,206 | $1,197 | 1% | $9 |
| Anti-Theft Device | Auto-Owners | $1,377 | $1,358 | 1% | $19 |
| Comp and Coll Deductibles | The Hanover | $1,144 | $1,013 | 11% | $131 |
| Comp and Coll Deductibles | GEICO | $1,206 | $1,058 | 12% | $148 |
| Comp and Coll Deductibles | Auto-Owners | $1,377 | $1,182 | 14% | $195 |
| Comp and Coll Deductibles | Nationwide | $1,475 | $1,243 | 16% | $232 |
| Comp and Coll Deductibles | MMG Insurance | $1,606 | $1,293 | 20% | $314 |
| Comp and Coll Deductibles | Progressive | $1,859 | $1,669 | 10% | $190 |
| Comp and Coll Deductibles | Allstate | $1,904 | $1,690 | 11% | $214 |
| Comp and Coll Deductibles | State Farm | $2,280 | $2,140 | 6% | $140 |
| Comp and Coll Deductibles | Farmers | $2,784 | $2,307 | 17% | $477 |
| Days Advanced Purchase | Auto-Owners | $1,377 | $1,231 | 11% | $146 |
| Days Advanced Purchase | Nationwide | $1,475 | $1,407 | 5% | $68 |
| Days Advanced Purchase | Allstate | $1,904 | $1,521 | 20% | $384 |
| Days Advanced Purchase | Progressive | $1,859 | $1,802 | 3% | $56 |
| Days Advanced Purchase | Farmers | $2,784 | $2,623 | 6% | $161 |
| Days Per Week Driven | MMG Insurance | $1,606 | $1,530 | 5% | $76 |
| Education | GEICO | $1,206 | $1,123 | 7% | $83 |
| Education | Progressive | $1,859 | $1,762 | 5% | $96 |
| Electronic Funds Transfer | Nationwide | $1,475 | $1,415 | 4% | $60 |
| Electronic Funds Transfer | Allstate | $1,904 | $1,820 | 4% | $84 |
| Electronic Funds Transfer | Farmers | $2,784 | $2,562 | 8% | $222 |
| Electronic Signature | Progressive | $1,859 | $1,673 | 10% | $186 |
| Homeowner | The Hanover | $1,144 | $1,067 | 7% | $77 |
| Homeowner | GEICO | $1,206 | $1,098 | 9% | $108 |
| Homeowner | Progressive | $1,859 | $1,810 | 3% | $49 |
| Homeowner | Allstate | $1,904 | $1,811 | 5% | $94 |
| Lower Annual Mileage | The Hanover | $1,144 | $1,108 | 3% | $36 |
| Lower Annual Mileage | GEICO | $1,206 | $1,166 | 3% | $40 |
| Lower Annual Mileage | Auto-Owners | $1,377 | $1,355 | 2% | $22 |
| Lower Annual Mileage | Allstate | $1,904 | $1,780 | 7% | $124 |
| Lower Annual Mileage | Progressive | $1,859 | $1,812 | 3% | $47 |
| Lower Annual Mileage | State Farm | $2,280 | $2,054 | 10% | $226 |
| Loyalty - Years Renewal With Company | The Hanover | $1,144 | $1,025 | 10% | $119 |
| Loyalty - Years Renewal With Company | Progressive | $1,859 | $1,839 | 1% | $19 |
| Loyalty - Years Renewal With Company | State Farm | $2,280 | $1,966 | 14% | $314 |
| Loyalty - Years Renewal With Company | Farmers | $2,784 | $2,700 | 3% | $83 |
| Marital Status | The Hanover | $1,144 | $940 | 18% | $204 |
| Marital Status | GEICO | $1,206 | $1,048 | 13% | $158 |
| Marital Status | Auto-Owners | $1,377 | $1,156 | 16% | $221 |
| Marital Status | Nationwide | $1,475 | $1,336 | 9% | $139 |
| Marital Status | MMG Insurance | $1,606 | $1,498 | 7% | $109 |
| Marital Status | Progressive | $1,859 | $1,614 | 13% | $245 |
| Marital Status | Allstate | $1,904 | $1,888 | 1% | $16 |
| Marital Status | Farmers | $2,784 | $2,386 | 14% | $397 |
| Multi Policy | The Hanover | $1,144 | $886 | 23% | $258 |
| Multi Policy | GEICO | $1,206 | $1,090 | 10% | $116 |
| Multi Policy | Auto-Owners | $1,377 | $1,262 | 8% | $116 |
| Multi Policy | MMG Insurance | $1,606 | $1,318 | 18% | $289 |
| Multi Policy | Nationwide | $1,475 | $1,377 | 7% | $98 |
| Multi Policy | Progressive | $1,859 | $1,711 | 8% | $148 |
| Multi Policy | Allstate | $1,904 | $1,729 | 9% | $176 |
| Multi Policy | State Farm | $2,280 | $2,059 | 10% | $221 |
| Multi Policy | Farmers | $2,784 | $2,589 | 7% | $195 |
| Paperless/Electornic Documents | Auto-Owners | $1,377 | $1,365 | 1% | $13 |
| Paperless/Electornic Documents | Nationwide | $1,475 | $1,415 | 4% | $60 |
| Paperless/Electornic Documents | Allstate | $1,904 | $1,704 | 11% | $201 |
| Paperless/Electornic Documents | Progressive | $1,859 | $1,843 | 1% | $16 |
| Payment Type | The Hanover | $1,144 | $1,060 | 7% | $84 |
| Payment Type | Nationwide | $1,475 | $1,354 | 8% | $121 |
| Payment Type | Allstate | $1,904 | $1,734 | 9% | $170 |
| Payment Type | Farmers | $2,784 | $2,700 | 3% | $83 |
| Primary Use | Nationwide | $1,475 | $1,294 | 12% | $181 |
| Primary Use | MMG Insurance | $1,606 | $1,530 | 5% | $76 |
| Primary Use | Allstate | $1,904 | $1,754 | 8% | $151 |
| Primary Use | Progressive | $1,859 | $1,831 | 1% | $27 |
| Primary Use | State Farm | $2,280 | $2,015 | 12% | $265 |
| Profession | GEICO | $1,206 | $1,123 | 7% | $83 |
| Profession | Progressive | $1,859 | $1,538 | 17% | $320 |
| Safety Devices | GEICO | $1,206 | $1,177 | 2% | $29 |
| Safety Devices | Auto-Owners | $1,377 | $1,369 | 1% | $9 |
| Safety Devices | Allstate | $1,904 | $1,754 | 8% | $151 |
| Safety Devices | Progressive | $1,859 | $1,794 | 3% | $65 |
| Safety Devices | Farmers | $2,784 | $2,689 | 3% | $95 |
| Telematics | Nationwide | $1,475 | $1,312 | 11% | $163 |
| Telematics | Progressive | $1,859 | $1,673 | 10% | $186 |
| Telematics | State Farm | $2,280 | $2,097 | 8% | $184 |
| Years Insured | GEICO | $1,206 | $1,133 | 6% | $73 |
| Years Insured | Auto-Owners | $1,377 | $1,310 | 5% | $67 |
| Years Insured | Allstate | $1,904 | $1,449 | 24% | $455 |
| Years Insured | Nationwide | $1,475 | $1,459 | 1% | $16 |
| Years Insured | Progressive | $1,859 | $1,532 | 18% | $326 |
| Years Insured | Farmers | $2,784 | $1,753 | 37% | $1,030 |
| Years Licensed | Farmers | $2,784 | $2,341 | 16% | $442 |
How to get cheap car insurance in Nashua in 2025
To get cheap car insurance in Nashua in 2026, compare at least three quotes for the same coverage, ask about every available discount and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. you can afford. Maintaining a clean driving record, selecting a lower-cost vehicle to insure, and reviewing coverage at renewal can also reduce premiums.
Find affordable car insurance in Nashua by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Nashua.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Nashua
How much does car insurance cost in Nashua?
Car insurance costs an average of $1,744 per year or about $145 per month for full coverage in Nashua. This average is based on 100/300/100 liability limits with $500 deductibles.Your price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in NH?
No, you don't legally need full coverage in NH, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Nashua?
You can reduce your car insurance costs in Nashua by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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