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.

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.

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

Although many insurance companies provide coverage after a DUI, Auto-Owners offers the most affordable rate at $1,400 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in New Hampshire for drivers with a clean record versus those with a DUI.

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 most affordable rates for drivers with reckless driving convictions, averaging $1,359 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those 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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Cheapest car insurance in New Hampshire with bad credit

In New Hampshire, Auto-Owners provides the lowest premiums for drivers with poor credit, averaging $1,158 per year or $97 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in New Hampshire.

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 offers the lowest rates after an accident, averaging $1,154 per year. State Farm is another budget-friendly option, with rates around $1,271 a year.

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

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Cheapest car insurance in New Hampshire by city

Lebanon has the cheapest car insurance rates in New Hampshire at $1,889 per year. But the most expensive city is Manchester with rates of $2,285 per year.

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

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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:

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.

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 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.

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: