Cheapest car insurance for high-risk drivers in New Hampshire

Which company has the cheapest car insurance in New Hampshire for a bad driving record?

Auto-Owners offers the cheapest average rate in New Hampshire for drivers with a poor driving record at $1,131 per year. Progressive and Nationwide also rank among the more affordable insurers for high-risk drivers.

Having accidents, DUIs or traffic tickets on your driving record will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Auto-Owners	$803	$1,131
Progressive	$1,343	$1,858
Nationwide	$1,145	$2,112
The Hanover	$1,027	$2,139
GEICO	$1,212	$2,445
State Farm	$1,155	$2,579
Allstate	$2,123	$2,605
Farmers	$1,954	$2,905
USAA	$852	$1,191

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How much is high-risk car insurance in New Hampshire?

The average cost of high-risk car insurance in New Hampshire is $1,993 per year. Depending on your driving history and insurer, you may be able to find rates as low as $1,131 annually.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

Average annual car insurance rate for At-fault bodily injury accident in New Hampshire, NH is $1,948

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Company	Annual premium for clean record	Annual premium after violation
Auto-Owners	$803	$1,154
USAA	$852	$1,255
State Farm	$1,155	$1,271
The Hanover	$1,027	$1,603
Nationwide	$1,145	$1,934
Progressive	$1,343	$2,146
GEICO	$1,212	$2,390
Allstate	$2,123	$3,105
Farmers	$1,954	$3,578

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Average annual rate

People ask

Who is considered a high-risk driver in New Hampshire?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

What company offers the cheapest car insurance in New Hampshire after a DUI?

Auto-Owners has the cheapest average DUI insurance rates in New Hampshire at $1,400 annually.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade, in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in New Hampshire.

Company	Average annual premium for clean record	Annual premium for a DUI
Auto-Owners	$803	$1,400
The Hanover	$1,027	$1,484
State Farm	$1,155	$1,513
Progressive	$1,343	$1,534
Nationwide	$1,145	$2,604
Allstate	$2,123	$2,684
GEICO	$1,212	$2,819
Farmers	$1,954	$3,048
USAA	$852	$1,384

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What is the cheapest car insurance in New Hampshire with multiple tickets?

Auto-Owners is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $921 a year or $77 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.

This table shows New Hampshire drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Auto-Owners	$803	$921
Progressive	$1,343	$1,772
Nationwide	$1,145	$1,909
GEICO	$1,212	$2,403
Allstate	$2,123	$2,443
Farmers	$1,954	$2,585
USAA	$852	$984

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Expert's Insight Two minor tickets can sometimes cost you more on your insurance than one major violation.

Which company offers the cheapest insurance for reckless driving in New Hampshire?

State Farm provides the cheapest average reckless driving insurance rates in New Hampshire at $1,359 per year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
State Farm	$1,155	$1,359
Auto-Owners	$803	$1,469
The Hanover	$1,027	$1,578
Progressive	$1,343	$1,930
Nationwide	$1,145	$2,604
Allstate	$2,123	$2,684
GEICO	$1,212	$2,819
Farmers	$1,954	$3,048
USAA	$852	$1,168

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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in New Hampshire?

The cheapest New Hampshire insurer for bad credit is Auto-Owners, with rates averaging $1,158 per year or $97 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a 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., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects New Hampshire car insurance.

Company	Annual premium for good credit	Annual premium for bad credit
Auto-Owners	$803	$1,158
Nationwide	$1,145	$1,737
GEICO	$1,212	$1,824
Progressive	$1,343	$2,367
Allstate	$2,123	$2,930
The Hanover	$1,027	$3,355
Farmers	$1,954	$3,579
State Farm	$1,155	$4,865
USAA	$852	$1,640

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What company has the cheapest car insurance in New Hampshire after an accident?

Auto-Owners has the cheapest average rates after an accident at $1,154 per year. State Farm also offers lower-than-average rates at $1,271 annually.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Auto-Owners	$803	$1,154	$1,775
State Farm	$1,155	$1,271	$1,420
The Hanover	$1,027	$1,603	$2,249
Nationwide	$1,145	$1,934	$2,703
Progressive	$1,343	$2,146	$2,979
GEICO	$1,212	$2,390	$3,700
Allstate	$2,123	$3,105	$3,926
Farmers	$1,954	$3,402	$4,463
USAA	$852	$1,255	$1,847

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in New Hampshire?

Lebanon has the cheapest average high-risk car insurance rates in New Hampshire at $1,889 per year. In comparison, drivers in Manchester pay the highest average rates at $2,285 annually.

Where you live in New Hampshire also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

City	Average annual premium for clean record	Annual premium for high-risk driver
Lebanon	$1,202	$1,889
Claremont	$1,212	$1,902
Concord	$1,218	$1,920
Franklin	$1,226	$1,927
Somersworth	$1,230	$1,927
Rochester	$1,239	$1,942
Laconia	$1,243	$1,960
Berlin	$1,279	$2,009
Nashua	$1,317	$2,090
Manchester	$1,436	$2,285

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How can high-risk drivers lower their car insurance rates in New Hampshire?

High-risk drivers in New Hampshire can find lower rates by shopping around, avoiding further violations and taking a defensive driving course. Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

People ask

How long are you considered a high-risk driver in New Hampshire?

Three years is common, but how long you are considered a high-risk driver in New Hampshiredepends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are New Hampshire's insurance requirements for high-risk drivers?

If you're considered a high-risk driver in New Hampshire, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

An SR-22 is not an insurance policy and doesn't require special coverage, but rates are much higher for high-risk drivers, and not all carriers insure such drivers.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in New Hampshire

Can high-risk drivers get full coverage car insurance in New Hampshire?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in New Hampshire?

Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.