Average car insurance cost in Nashua

The average car insurance rate in Nashua for full coverage is $1,317 per year or $110 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Nashua is $459 per year. The state minimum liability limits are 25/50/25.

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 state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially 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$658
Average annual premium$1,317
State minimum premium$459

Cheapest car insurance companies in Nashua

Auto-Owners offers the cheapest rates on average at $838 per year. The Hanover is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Nashua.

CompanyAverage 6 month rateAverage annual rate
Auto-Owners$419$838
The Hanover$528$1,057
MMG Insurance$565$1,130
GEICO$598$1,196
Progressive$644$1,287
State Farm$658$1,315
Nationwide$659$1,319
Farmers$918$1,835
Allstate$1,155$2,311
USAA$441$883

Cheapest car insurance cost in Nashua by age group

Car insurance rates in Nashua vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Nashua by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: The Hanover
  • Cheapest for young adults: The Hanover
  • Cheapest for adults: Auto-Owners
  • Cheapest for seniors: Auto-Owners

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 $1,947 per year.

The Hanover offers the most affordable auto insurance for young adults at $1,341 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Auto-Owners provides the lowest car insurance rates at $875 per year for adult drivers in Nashua.

Auto-Owners offers the least expensive car insurance for senior drivers in Nashua, at $894 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Auto-Owners$2,014$1,367$875$894
The Hanover$1,947$1,341$1,019$975
MMG Insurance$2,643$1,885$1,194$1,304
GEICO$4,100$2,016$1,252$1,293
Progressive$6,430$2,372$1,306$1,396
Nationwide$5,269$2,442$1,317$1,317
State Farm$4,628$2,294$1,329$1,293
Farmers$7,213$3,572$1,826$1,812
Allstate$5,764$3,452$2,419$2,630
USAA$3,979$1,518$907$969

Cheapest car insurance companies in Nashua by driver profile

Car insurance rates in Nashua vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Nashua by driver profile.

Cheapest for a driver with poor credit: Auto-Owners

Auto-Owners is the most affordable car insurance for drivers with poor credit. On average, drivers in Nashua pay about $1,219 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Nashua.

CompanyAverage 6 month premiumAverage annual premium
Auto-Owners$610$1,219
GEICO$900$1,800
Nationwide$1,002$2,004
Progressive$1,132$2,264
Allstate$1,590$3,179
Farmers$1,681$3,361
The Hanover$1,724$3,448
State Farm$2,770$5,540
USAA$852$1,703

Cheapest auto insurance after an at-fault accident: Auto-Owners

In Nashua, Auto-Owners offers the cheapest car insurance for drivers with at-fault accident at $1,211 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Nashua.

CompanyAverage 6 month premiumAverage annual premium
Auto-Owners$606$1,211
State Farm$721$1,442
The Hanover$825$1,650
Progressive$1,039$2,077
Nationwide$1,129$2,257
GEICO$1,191$2,382
Farmers$1,603$3,205
Allstate$1,722$3,443
USAA$648$1,296

Cheapest auto insurance after a DUI: Auto-Owners

Auto-Owners offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $1,463 per year, making it the cheapest option amongst all the companies analyzed.

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.

CompanyAverage 6 month premiumAverage annual premium
Auto-Owners$732$1,463
Progressive$739$1,477
The Hanover$762$1,523
State Farm$845$1,690
GEICO$1,421$2,842
Farmers$1,436$2,871
Allstate$1,481$2,961
Nationwide$1,528$3,055
USAA$717$1,434

Cheapest for drivers with a speeding ticket: Auto-Owners

Auto-Owners offers the cheapest car insurance at $961 in Nashua for drivers with 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 offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Auto-Owners$481$961
Progressive$853$1,705
Nationwide$1,114$2,228
GEICO$1,205$2,410
Farmers$1,216$2,431
Allstate$1,340$2,679
USAA$510$1,019

Car insurance discounts for Nashua drivers

The biggest car insurance discount available in Nashua is for the years licensed category at 41.81%, offered by Safety Insurance.

Car insurance is essential for drivers in Nashua, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Nashua drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$2,3080.46%$11
Air BagsGEICO$1,1470.35%$4
Air BagsNationwide$1,1501.22%$14
Air BagsSafety Insurance$1,4940.52%$8
Anti-Theft DeviceAuto-Owners$1,3822.19%$30
Anti-Theft DeviceGEICO$1,1470.77%$9
Anti-Theft DeviceSafety Insurance$1,4942.63%$39
Anti-Theft DeviceThe Hanover$4,4820.15%$7
Daily CommuteSafety Insurance$1,4949.24%$138
Days Advanced PurchaseAllstate$2,30820.72%$478
Days Advanced PurchaseAuto-Owners$1,38212.59%$174
Days Advanced PurchaseNationwide$1,1506.70%$77
Days Advanced PurchaseProgressive$1,5533.07%$48
Days Advanced PurchaseSafety Insurance$1,4946.78%$101
Days Per Week DrivenMMG Insurance$1,0904.79%$52
Days Per Week DrivenSafety Insurance$1,4949.24%$138
EducationGEICO$1,1474.42%$51
EducationProgressive$1,5533.40%$53
Electronic Funds TransferAllstate$2,3084.44%$103
Electronic Funds TransferProgressive$1,5530.95%$15
Electronic SignatureProgressive$1,5539.93%$154
HomeownerAllstate$2,3084.96%$115
HomeownerGEICO$1,1478.67%$100
HomeownerProgressive$1,5532.66%$41
HomeownerThe Hanover$4,4825.82%$261
Lower Annual MileageAllstate$2,3082.66%$61
Lower Annual MileageAuto-Owners$1,3821.43%$20
Lower Annual MileageGEICO$1,1473.28%$38
Lower Annual MileageProgressive$1,5532.28%$35
Lower Annual MileageState Farm$1,1069.95%$110
Loyalty - Years Renewal With CompanyProgressive$1,5531.31%$20
Loyalty - Years Renewal With CompanySafety Insurance$1,4943.85%$57
Loyalty - Years Renewal With CompanyState Farm$1,10613.80%$153
Marital StatusAllstate$2,3080.94%$22
Marital StatusAuto-Owners$1,3827.83%$108
Marital StatusMMG Insurance$1,0907.42%$81
Marital StatusNationwide$1,1508.09%$93
Marital StatusProgressive$1,55312.77%$198
Marital StatusThe Hanover$4,4822.29%$102
Multi PolicyAllstate$2,3087.89%$182
Multi PolicyAuto-Owners$1,3828.02%$111
Multi PolicyGEICO$1,1479.38%$108
Multi PolicyMMG Insurance$1,09022.06%$241
Multi PolicyNationwide$1,1508.07%$93
Multi PolicyProgressive$1,5539.74%$151
Multi PolicySafety Insurance$1,49411.65%$174
Multi PolicyState Farm$1,10610.59%$117
Multi PolicyThe Hanover$4,48211.17%$501
Paperless/Electornic DocumentsAllstate$2,30810.65%$246
Paperless/Electornic DocumentsAuto-Owners$1,3820.96%$13
Paperless/Electornic DocumentsNationwide$1,1504.17%$48
Paperless/Electornic DocumentsProgressive$1,5530.85%$13
Paperless/Electornic DocumentsSafety Insurance$1,4942.95%$44
Payment TypeAllstate$2,3089.02%$208
Payment TypeThe Hanover$4,4827.01%$314
Primary UseAllstate$2,3087.94%$183
Primary UseMMG Insurance$1,0904.79%$52
Primary UseNationwide$1,1508.35%$96
Primary UseProgressive$1,5531.65%$26
Primary UseSafety Insurance$1,49411.72%$175
Primary UseState Farm$1,10611.69%$129
ProfessionGEICO$1,1474.42%$51
ProfessionProgressive$1,55317.13%$266
Safety DevicesAllstate$2,3087.94%$183
Safety DevicesAuto-Owners$1,3820.44%$6
Safety DevicesGEICO$1,1472.27%$26
Safety DevicesProgressive$1,5533.45%$54
TelematicsNationwide$1,1507.65%$88
TelematicsProgressive$1,5539.95%$155
TelematicsState Farm$1,10615.20%$168
Years InsuredAllstate$3,42923.93%$820
Years InsuredAuto-Owners$1,4524.86%$71
Years InsuredGEICO$1,3616.31%$86
Years InsuredMMG Insurance$1,2119.99%$121
Years InsuredNationwide$1,5724.39%$69
Years InsuredProgressive$2,20522.71%$501
Years InsuredSafety Insurance$2,06927.78%$575
Years LicensedGEICO$1,97726.48%$524
Years LicensedMMG Insurance$1,68127.46%$462
Years LicensedNationwide$1,91617.95%$344
Years LicensedProgressive$3,16327.39%$866
Years LicensedSafety Insurance$5,12641.81%$2,143
Years LicensedState Farm$1,36317.14%$234

How to get cheap car insurance in Nashua in 2025

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 offered. 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

While the 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.