- Cheapest car insurance in New Hampshire for a bad driving record
- How much is high-risk car insurance in New Hampshire?
- Cheapest car insurance in New Hampshire with a DUI
- Cheapest car insurance in New Hampshire with multiple tickets
- Cheapest car insurance in New Hampshire with a reckless driving conviction
- Cheapest car insurance in New Hampshire with bad credit
- Cheapest car insurance after an accident in New Hampshire
- Cheapest car insurance in New Hampshire by city
- How to reduce car insurance rates in New Hampshire for a bad driving record
- New Hampshire car insurance laws for high-risk drivers
Cheapest car insurance in New Hampshire for a bad driving record
If you have a bad driving record in New Hampshire, Auto-Owners, Progressive, Nationwide offer affordable car insurance. However, Auto-Owners has the lowest average rate of $1,131.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning you’ll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| 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 |
How much is high-risk car insurance in New Hampshire?
A bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $1,993 in New Hampshire, you can find rates as low as $1,131 from Auto-Owners.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Keep reading as we break down high-risk car insurance factors and rates.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
Cheapest car insurance in New Hampshire with a DUI
While many insurers offer coverage after a DUI, Auto-Owners provides the average cheapest coverage for $1,400.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you’ll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after 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 |
Cheapest car insurance in New Hampshire with multiple tickets
The cheapest insurer for drivers with multiple tickets is Auto-Owners, with rates averaging $921 or $77.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your 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 |
Cheapest car insurance in New Hampshire with a reckless driving conviction
State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,359.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and 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 |
Cheapest car insurance in New Hampshire with bad credit
The cheapest New Hampshire insurer for bad credit is Auto-Owners, with rates averaging $1,158 or $97. Fortunately, drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.
Check out 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 |
Cheapest car insurance after an accident in New Hampshire
Auto-Owners has the lowest average rates after an accident at $1,154. State Farm also offers affordable rates, averaging $1,271.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean 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 |
Cheapest car insurance in New Hampshire by city
Lebanon has the cheapest car insurance rates in New Hampshire at $1,889. But the most expensive city is Manchester with rates of $2,285.
Your location in New Hampshire also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| 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 |
How to reduce car insurance rates in New Hampshire for a bad driving record
Finding affordable car insurance in New Hampshire is possible, even with a bad driving record. 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.
New Hampshire car insurance laws 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.
Although an SR-22 is typically called insurance, it is only the form. You don’t need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
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