- 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
- Compare New Hampshire high-risk driver car insurance rates with other states
Cheapest car insurance in New Hampshire for a bad driving record
Auto-Owners, Progressive, Nationwide provides affordable car insurance for high-risk drivers with bad driving record in New Hampshire.
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 problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In New Hampshire, high-risk car insurance costs $1,993. However, you can get rates as low as $1,131 from Auto-Owners.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
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 |
PEOPLE ASK:
Who is considered high-risk for insurance in New Hampshire?
Each insurance company determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land you in the high-risk category.
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
Auto-Owners is the cheapest car insurance company for drivers with multiple traffic tickets, 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
Drivers with reckless driving conviction can get the cheapest rates from State Farm 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
Auto-Owners offers the cheapest rates for drivers with poor credit at $1,158 or $97. However,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 rates after an accident at $1,154. State Farm also has affordable rates at $1,271.
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 |
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.
PEOPLE ASK:
How long are you considered a high-risk driver in New Hampshire?
Three years is common, but how long you're seen as a high-risk driver in New Hampshire depends on the rules of your insurance company. The state decides how long a violation stays on your driving record, but your insurance company decides how long they'll charge you for it.
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.
Compare New Hampshire high-risk driver car insurance rates with other states
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