Cheapest car insurance for high-risk drivers in New Hampshire

Cheapest car insurance in New Hampshire for a bad driving record

If you have a poor driving record in New Hampshire, Auto-Owners, Progressive, Nationwide are the cheapest options. Auto-Owners has the lowest annual rate at $1,131 per year.

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?

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 per year. However, you can get rates as low as $1,131 annually 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.

Read on as we explain high-risk car insurance factors and rates below.

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 high-risk for insurance 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.

Cheapest car insurance in New Hampshire with a DUI

While many insurers offer coverage after a DUI, Auto-Owners has the lowest rate at $1,400 a year.

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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Cheapest car insurance in New Hampshire with multiple tickets

The cheapest insurer for drivers with multiple tickets is Auto-Owners, with rates averaging $921 annually or $77 monthly.

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

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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 per year.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

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.

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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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 annually or $97 monthly. 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

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Cheapest car insurance after an accident in New Hampshire

Auto-Owners has the lowest average rates after an accident at $1,154 a year. State Farm also offers affordable rates, averaging $1,271 per year.

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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Cheapest car insurance in New Hampshire by city

In New Hampshire, the lowest car insurance rates are found in Lebanon, averaging $1,889 annually. On the other hand, Manchester has the highest rates at $2,285 a year.

Where you live in New Hampshire matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood 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

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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 are considered a high-risk driver in California depends 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.

New Hampshire car insurance laws for high-risk drivers

If you're a high-risk driver in New Hampshire, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies for high risk drivers or handle SR-22 filings.

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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.