Cheap Auto Insurance for Drivers Requiring a SR22 in New Hampshire
Figuring out which companies have the cheapest insurance rates for drivers requiring a SR22 calls for a little more work than just comparing rates from one or two companies.
Each company has their own guidelines to set policy rates, so to begin we’ll rank the insurance companies with the overall best prices in New Hampshire. It’s important to know that New Hampshire insurance rates are calculated based on many things that control your annual premium. Getting older, having a claim, or getting a speeding ticket can trigger price changes that can now make some companies cheaper than others.
Cheapest Insurance Rates for SR22 Drivers
google.charts.setOnLoadCallback(drawNHT5qcibChart);function drawNHT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Concord’, 705, ‘#F07050’], [‘Travelers’, 723, ‘#C85D42’], [‘Patriot’, 796, ‘#A64D37’], [‘USAA’, 829, ‘#8A402D’], [‘Vermont Mutual’, 873, ‘#733525’]]);var options = {title: ‘Top Five Low-Priced Car Insurance Companies in New Hampshire’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:973,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}
Concord quotes some of the lowest car insurance rates in New Hampshire at around $705 a year. Travelers, Patriot, USAA, and Vermont Mutual would also make the list of some of the best New Hampshire insurance companies.
As shown above, if you are a customer of USAA and switched to Concord, you could earn an annual premium reduction of around $124. Policyholders with Vermont Mutual may save as much as $168 a year, and Amica policyholders might lower prices by up to $202 a year.
To see how much you can save, click here to start a quote or quote rates from the companies below.
Understand that those premium estimates are averaged for all ages of drivers and types of vehicles and are not factoring in a rate surcharge for drivers requiring a SR22. So the car insurance company that has the lowest price for you may not even be in the rate chart shown above. That helps illustrate why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
For high risk drivers, one of the big criteria that control the cost of insurance is where you keep your car in New Hampshire. Regions with more people or even just more weather-related claims like Manchester, Nashua, and Hudson tend to pay slightly more, whereas areas with less congestion have the enjoyment of a little cheaper coverage.
The table below shows the highest-priced places in New Hampshire for drivers requiring a SR22 to purchase a policy in.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Manchester | $1,276 |
| 2 | Pinardville | $1,177 |
| 3 | Nashua | $1,172 |
| 4 | Londonderry | $1,171 |
| 5 | Hudson | $1,166 |
| 6 | South Hooksett | $1,156 |
| 7 | Derry | $1,152 |
| 8 | Exeter | $1,145 |
| 9 | Berlin | $1,140 |
| 10 | Hampton | $1,124 |
| 11 | Claremont | $1,114 |
| 12 | Laconia | $1,098 |
| 13 | Milford | $1,096 |
| 14 | Portsmouth | $1,095 |
| 15 | Newmarket | $1,094 |
| 16 | Franklin | $1,091 |
| 17 | Durham | $1,080 |
| 18 | Dover | $1,068 |
| 19 | Rochester | $1,065 |
| 20 | Somersworth | $1,061 |
| Compare Rates Now Go | ||
Annual rates are estimated as the specific geographic location can affect rates greatly.
We all like different vehicles, and the type of vehicle driven is probably the most important factor when looking for cheaper car insurance for drivers requiring a SR22. Vehicles with reasonable performance levels, modern passenger safety features, or a track record of few liability claims will cost much less to insure than higher performance models.
The next lists shows insurance rates for the cheaper automobiles to insure.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Ford Focus SE 2-Dr Coupe | $2,776 | $1,388 | $231 |
| Ford Fusion S 4-Dr Sedan | $2,456 | $1,228 | $205 |
| Honda Civic DX 2-Dr Coupe | $2,946 | $1,473 | $246 |
| Hyundai Elantra SE 4-Dr Sedan | $2,562 | $1,281 | $214 |
| Hyundai Sonata GLS 4-Dr Sedan | $2,670 | $1,335 | $223 |
| Kia Optima EX | $2,802 | $1,401 | $234 |
| Toyota Camry SE | $2,562 | $1,281 | $214 |
| Toyota Corolla S | $2,562 | $1,281 | $214 |
| Volkswagen Jetta SE 4-Dr Sedan | $2,588 | $1,294 | $216 |
| Get a Custom Quote for Your Car Go | |||
Price data assumes single male driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific location which can alter rates significantly.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura MDX Advance 4WD | $2,616 | $1,308 | $218 |
| BMW X5 3.0I AWD | $2,616 | $1,308 | $218 |
| Buick Enclave XL 2WD | $2,588 | $1,294 | $216 |
| Chevrolet Traverse LT 2WD | $2,126 | $1,063 | $177 |
| Ford Escape XLT 4WD | $2,100 | $1,050 | $175 |
| Ford Expedition XLT 2WD | $2,234 | $1,117 | $186 |
| Ford Explorer XLT AWD | $2,348 | $1,174 | $196 |
| GMC Acadia SL 2WD | $2,320 | $1,160 | $193 |
| Honda CR-V EX-L 4WD | $2,100 | $1,050 | $175 |
| Honda Pilot LX 2WD | $2,348 | $1,174 | $196 |
| Jeep Grand Cherokee Laredo 4WD | $2,456 | $1,228 | $205 |
| Jeep Wrangler Sahara 4WD 2-Dr | $2,348 | $1,174 | $196 |
| Lexus RX 350 2WD | $2,936 | $1,468 | $245 |
| Toyota Highlander Hybrid Limited 4WD | $2,616 | $1,308 | $218 |
| Toyota RAV4 Limited 2WD | $2,456 | $1,228 | $205 |
| Get a Custom Quote for Your SUV or Crossover Go | |||
Above prices assume single male driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Table data does not factor in New Hampshire location which can change insurance rates considerably.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Silverado LS Extended Cab 4WD | $2,456 | $1,228 | $205 |
| Dodge Ram 2500 Mega Cab Laramie 2WD | $2,908 | $1,454 | $242 |
| Dodge Ram Quad Cab Laramie 4WD | $2,936 | $1,468 | $245 |
| Ford F-150 XL Regular Cab 4WD | $2,348 | $1,174 | $196 |
| GMC Canyon SLE Crew Cab Z71 2WD | $2,456 | $1,228 | $205 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $2,588 | $1,294 | $216 |
| GMC Sierra 3500HD SLE Extended Cab 4WD | $3,134 | $1,567 | $261 |
| GMC Sierra SLE Crew Cab 4WD | $2,588 | $1,294 | $216 |
| Toyota Tacoma Double Cab 4WD | $2,482 | $1,241 | $207 |
| Toyota Tundra Limited Double Cab 2WD | $2,802 | $1,401 | $234 |
| Get a Custom Quote for Your Truck Go | |||
Data based on single male driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Prices do not factor in specific New Hampshire garaging location which can influence coverage rates significantly.
Drive responsibly or pay higher rates
The common sense way to maintain cheap car insurance for drivers requiring a SR22 in New Hampshire is to pay attention while driving and have a clean driving record. The information below highlights how traffic violations and accident claims can increase car insurance costs for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2131,2539,2939],[‘Age 30’, 1123,1527,1931],[‘Age 40’, 1107,1511,1913],[‘Age 50’, 1005,1411,1813],[‘Age 60’, 973,1377,1783],[‘Age 70’, 1185,1589,1991]]);var options = {title: ‘Impact of Citations and Accidents on New Hampshire Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in New Hampshire’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}
The data in the chart shows the average cost of an auto insurance policy in New Hampshire per year with a clean driving record and no accidents is $1,254. Add in two speeding tickets and the average cost swells to $1,659, an increase of $405 each year. Then include one accident along with the two speeding tickets and the 12-month cost of insurance for drivers requiring a SR22 goes up to an average of $2,062. That’s an increase of $808, or $67 per month, just for not maintaining a clean driving record!
Ideas for finding economical auto insurance for drivers requiring a SR22
It is possible to find better rates, and here are many thrifty solutions that can help New Hampshire drivers quote lower-cost coverage.
- Improve your credit score
- Buying car and homeowners insurance together can save money
- Do not get into accidents
- Keep your driving record clean
- Raise your physical damage coverage deductibles
- Having too many claims will increase rates substantially
- Shop around and save
The last tip in the list is notably vital, as we hit on in this article. Insurance prices vary considerably, so drivers shouldn’t hesitate to buy a policy from a new company if you find a cheaper price. Having a favorite company is great, but it’s not recommended if your bullheadedness ends up costing you a small fortune year after year. It only takes a couple minutes to compare prices and find cheaper auto insurance for drivers requiring a SR22.
Best cheap insurance quotes for high risk drivers
Drivers have many ways to find cheaper insurance in New Hampshire, but the most preferred methods are through a captive (or exclusive) agency like Allstate or Liberty Mutual, a non-exclusive or independent agent, or from a direct company like Geico. All three ways are similar, but buyers should know the differences in how they provide rate quotes.
Independent insurance agents have contracts with many companies and can compare coverage rates with each one. They do not sell for just one brand and can give you more rates, which may give you better odds of saving money. If they quote lower rates, your policy can be easily switched to a different company and that require little work on your part.
An exclusive ageny is only able to write business for a single company such as an Allstate or Liberty Mutual agent. These agents are not able to provide other companys’ prices, so you need to shop around if the rates are high.
The last way is buying direct, which means you bypass a local agent and instead shop direct either online or via phone. Shopping direct can be good for people who do not need complex risk management and have a decent understanding of the limitations of their policy.
So which way is best to buy cheap car insurance for drivers requiring a SR22 in New Hampshire? Most drivers assume that buying direct saves the most money because there is no agent taking a commission, but unfortunately, it’s not that simple. And we’d like to say an independent agent is the best way due to increased selection, but that is not accurate either. In some circumstances, the exclusive agents have really good rates that other insurance companies cannot touch.
Since insurance prices are based on many different factors, the guaranteed way to not overpay for insurance is to compare rate quotes from as many companies as possible. We highly recommend getting rate quotes from all three to have the best selection of rates to choose from. For a list of companies with cheap rates in New Hampshire, click here to view.
-
Latest Articles
- Cheapest Auto Insurance for College Graduates in Missouri
- How Much Does Car Insurance Cost for Police Officers in New York?
- Cheapest Car Insurance for Drivers Over Age 60 in Washington
- Cheapest Car Insurance Quotes for Lyft Drivers in South Dakota
- Cheap Car Insurance Quotes for 17 Year Olds in Indiana
- Who Has Cheap Insurance for a Subaru Outback in Illinois?
- Best Cheap Car Insurance for Postal Workers in Iowa
- How Much is Insurance for a Hyundai Elantra in West Virginia?
-
Lowest Rates for Your Vehicle