When buying insurance after a few driving violations, one of the key considerations that insurance companies use to calculate rate quotes is where you keep your vehicle. Regions with more people or even just more weather-related claims like Manchester, Nashua, and Londonderry tend to have higher auto insurance costs, whereas areas with less traffic congestion and claims benefit from lower prices.
The information below rates the highest-priced areas in New Hampshire after a speeding ticket to purchase auto insurance in.
Rank | City | Premium Per Year |
---|---|---|
1 | Manchester | $1,315 |
2 | South Hooksett | $1,204 |
3 | Nashua | $1,183 |
4 | Pinardville | $1,177 |
5 | Londonderry | $1,159 |
6 | Derry | $1,141 |
7 | Berlin | $1,140 |
8 | Hudson | $1,132 |
9 | Newmarket | $1,116 |
10 | Durham | $1,113 |
11 | Hampton | $1,112 |
12 | Exeter | $1,111 |
13 | Portsmouth | $1,106 |
14 | Somersworth | $1,094 |
15 | Franklin | $1,091 |
16 | Laconia | $1,087 |
17 | Rochester | $1,087 |
18 | Milford | $1,085 |
19 | Claremont | $1,081 |
20 | Dover | $1,068 |
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Premium costs are comparative as the specific New Hampshire residence address can alter price quotes greatly.
We all like different vehicles, and the type of vehicle you are trying to insure is probably the biggest factor that determines whether or not you find low-cost car insurance after a speeding ticket. Vehicles with economical engines, an excellent safety record, or a low likelihood of liability claims will cost significantly less to insure than adrenaline junky models.
The tables below presents auto insurance costs for a number of the most economical vehicles to insure in New Hampshire.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Ford Fusion SEL 4-Dr Sedan | $1,024 | $512 | $85 |
Honda Accord LX 4-Dr Sedan | $796 | $398 | $66 |
Hyundai Sonata GLS 4-Dr Sedan | $1,002 | $501 | $84 |
Kia Optima SX | $1,082 | $541 | $90 |
Nissan Altima 3.5 SR 2-Dr Coupe | $1,142 | $571 | $95 |
Toyota Camry LE | $944 | $472 | $79 |
Toyota Corolla XRS | $1,024 | $512 | $85 |
Volkswagen Jetta LE 4-Dr Sedan | $944 | $472 | $79 |
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Data variables include married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in vehicle location which can affect price quotes significantly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Buick Enclave CX AWD | $1,024 | $512 | $85 |
Chevrolet Traverse LS 2WD | $818 | $409 | $68 |
Ford Escape XLT 4WD | $818 | $409 | $68 |
Ford Explorer Eddie Bauer AWD | $966 | $483 | $81 |
GMC Acadia SL AWD | $886 | $443 | $74 |
GMC Terrain SLE AWD | $876 | $438 | $73 |
Honda CR-V EX-L 4WD | $818 | $409 | $68 |
Honda Pilot EX 4WD | $908 | $454 | $76 |
Jeep Grand Cherokee SRT-8 4WD | $1,024 | $512 | $85 |
Kia Sportage EX 2WD 4-Dr | $944 | $472 | $79 |
Lexus RX 350 2WD | $1,162 | $581 | $97 |
Nissan Pathfinder SE 4WD | $886 | $443 | $74 |
Toyota Highlander Sport 4WD | $966 | $483 | $81 |
Toyota RAV4 Limited 4WD | $944 | $472 | $79 |
Volvo XC90 3.2 R-Design 2WD | $1,024 | $512 | $85 |
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Cost estimates assume married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in vehicle garaging location which can revise prices considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado LS Crew Cab 4WD | $1,024 | $512 | $85 |
Dodge Ram Quad Cab SLT 2WD | $1,024 | $512 | $85 |
Ford F-150 XLT Crew Cab 4WD | $966 | $483 | $81 |
Ford F-250 XL Super Cab Harley Edition 2WD | $1,142 | $571 | $95 |
Ford F-350 Super Cab Cabela Turbo Diesel 2WD | $1,126 | $563 | $94 |
GMC Canyon SLT Crew Cab 2WD | $1,002 | $501 | $84 |
GMC Sierra 3500HD SLE Regular Cab 2WD | $1,044 | $522 | $87 |
GMC Sierra SL Crew Cab 4WD | $1,024 | $512 | $85 |
Toyota Tacoma 4WD | $886 | $443 | $74 |
Toyota Tundra SR/5 Double Cab 2WD | $1,002 | $501 | $84 |
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Table data represents married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific garaging location which can influence auto insurance rates noticeably.
The information below illustrates how choosing a deductible can increase or decrease premium costs when researching cheap insurance after a speeding ticket. The costs are based on a single female driver, full coverage, and no discounts are applied.
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As shown above, a 50-year-old driver could pocket $186 a year by changing from a $100 deductible up to a $500 deductible, or save $282 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could lower their rates $476 annually by choosing larger deductibles on their policy.
When insureds make the decision to increase the deductibles on their policy, it is necessary to have plenty of money set aside to allow you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
If you want the best auto insurance after a few driving violations in New Hampshire, four of the best places to start are Allstate, State Farm, Geico, and Progressive. The table below shows pricing and service ratings, plus some optional coverages that are available for customers.
Allstate | State Farm | Geico | Progressive | |
---|---|---|---|---|
Overall Cost | 4th | 2nd | 1st | 3rd |
Policy Discounts | 1st | 3rd | 2nd | 4th |
Customer Satisfaction | 2nd | 4th | 1st | 3rd |
Claims Handling | 1st | 2nd | 3rd | 4th |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
Breakdown insurance | No | No | Yes | Yes |
New car replacement insurance | Yes | No | No | No |
Rating based on usage | Yes | Yes | No | Yes |
Emergency roadside assistance | Yes | Yes | Yes | Yes |
Accident forgiveness | Yes | No | Yes | Yes |
Coverage in New Hampshire | Yes | Yes | Yes | Yes |
Insurance Agents | Can only buy from Allstate agents | State Farm exclusive agents | From a Geico agent or online | Buy online or from an independent agent |
Number of agents | 11,000+ | 18,000+ | 150+ | 30,000+ |
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