Who Has Cheap Car Insurance Quotes for Drivers with a DUI in New Hampshire?

Who Has Cheap Car Insurance Quotes for Drivers with a DUI in New Hampshire?

The words “low-priced” and “auto insurance” really don’t belong together, specifically when shopping around for the best car insurance for drivers with a DUI. In an attempt to save some money, let’s familiarize you with a few of the things that impact car insurance rates, and find some ways to lower the cost of your next policy.

After getting a DUI, one of the more important things that insurance companies take into consideration when calculating the amount you pay for auto insurance is where you call home. Areas with high crime rates or more dense population like Manchester, Nashua, and Londonderry will most likely have higher rates, whereas more rural areas get the luxury of paying less.

The following table ranks the most expensive areas in New Hampshire for drivers with a DUI to buy auto insurance in.

New Hampshire cities ranked by car insurance cost
Rank City Premium Per Year
1 Manchester $1,289
2 Pinardville $1,201
3 Nashua $1,183
4 Derry $1,176
5 Londonderry $1,171
6 Hampton $1,158
7 South Hooksett $1,156
8 Berlin $1,140
9 Hudson $1,132
10 Newmarket $1,127
11 Claremont $1,125
12 Exeter $1,123
13 Milford $1,118
14 Somersworth $1,105
15 Durham $1,102
16 Dover $1,101
17 Portsmouth $1,095
18 Rochester $1,087
19 Lebanon $1,082
20 Franklin $1,069
21 Laconia $1,065
22 Hanover $1,041
23 Keene $1,014
24 Suncook $995
25 Concord $976
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Information shown are approximated as specific New Hampshire zip code can change rates significantly.

Everyone has different tastes in autos, and the style of vehicle that needs insurance is a significant factor when shopping for the best cheap auto insurance for drivers with a DUI. Vehicles with lots of horsepower, poor passenger safety features, or high incidents of liability claims will cost significantly more to insure than safer models.

The next lists showcases auto insurance costs for the most cost-effective vehicles to buy coverage for.

Auto Insurance Rates for Popular Cars in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Honda Accord EX-L 4-Dr Sedan $1,082 $541 $90
Honda Civic VP 4-Dr Sedan $1,202 $601 $100
Hyundai Elantra SE Touring Station Wagon $1,082 $541 $90
Hyundai Sonata SE 4-Dr Sedan $1,304 $652 $109
Kia Optima EX $1,332 $666 $111
Nissan Altima 3.5 SR 4-Dr Sedan $1,260 $630 $105
Toyota Camry XLE $1,232 $616 $103
Toyota Corolla LE $1,232 $616 $103
Volkswagen Jetta SEL 4-Dr Sedan $1,260 $630 $105
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Cost estimates assume single male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific location which can revise price quotes greatly.

Car Insurance Rates for Popular SUVs and Crossovers in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX AWD $1,082 $541 $90
Chevrolet Traverse LS AWD $1,044 $522 $87
Ford Escape XLT 4WD $1,016 $508 $85
Ford Expedition King Ranch 2WD $1,204 $602 $100
Ford Explorer Eddie Bauer 2WD $1,100 $550 $92
GMC Acadia SLT AWD $1,194 $597 $100
Honda CR-V LX 4WD $986 $493 $82
Honda Pilot EX 2WD $1,128 $564 $94
Hyundai Tucson GLS 2WD $1,070 $535 $89
Jeep Grand Cherokee Limited 4WD $1,260 $630 $105
Jeep Patriot Sport 4WD $1,070 $535 $89
Kia Sportage EX 2WD 4-Dr $1,166 $583 $97
Lexus RX 350 2WD $1,426 $713 $119
Toyota Highlander Limited 4WD $1,288 $644 $107
Toyota RAV4 4WD $1,166 $583 $97
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Data variables include single male driver age 30, 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. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease prices considerably.

Auto Insurance Rates for Popular Pickup Trucks in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,384 $692 $115
Chevrolet Silverado LS Regular Cab 4WD $1,070 $535 $89
Dodge Ram 3500 Crew Cab Laramie 2WD $1,384 $692 $115
Dodge Ram Crew Cab Laramie 4WD $1,426 $713 $119
Ford F-150 FX4 4WD $1,194 $597 $100
Ford F-250 XL Super Cab Turbo Diesel 2WD $1,426 $713 $119
GMC Canyon SLE Regular Cab 4WD $1,100 $550 $92
GMC Sierra 2500HD SLT Crew Cab 2WD $1,426 $713 $119
GMC Sierra SLE Regular Cab 4WD $1,260 $630 $105
Toyota Tundra Regular Cab 4WD $1,266 $633 $106
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Data variables include single male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in specific garaging location which can modify auto insurance rates greatly.

Ratings for New Hampshire auto insurance companies

Choosing a highly-rated car insurance company can be a challenge considering how many companies sell insurance in New Hampshire. The information in the lists below can help you analyze which providers you want to consider when comparing auto insurance rates for drivers with a DUI. The rankings below only include large, nationwide insurance companies, so companies that only write business in New Hampshire or surrounding areas are not factored into these rankings.

Top 10 Large Auto Insurers Overall in New Hampshire

  1. The General
  2. The Hartford
  3. Progressive
  4. Travelers
  5. State Farm
  6. Farmers Insurance
  7. Safeco Insurance
  8. USAA
  9. GEICO
  10. 21st Century

Find cheap car insurance for drivers with a DUI in New Hampshire

It’s not impossible to find cheaper rates, and here are a few money-saving suggestions that can help drivers find lower-cost coverage.

  • Drive safe vehicles
  • Do not get traffic tickets
  • Avoid accidents and claims
  • Good credit can help you save money
  • Higher physical damage deductibles lower rates
  • Compare rates once a year for cheaper prices

The last idea is especially necessary, as was affirmed in this write-up. Car insurance rates in New Hampshire can change considerably in a year, so don’t be unwilling to change insurance companies if a cheaper price is available. Having a favorite company is great, but it’s not a good idea if that devotedness results in you overpaying hundreds of dollars year after year. It only takes a couple minutes to shop around and find cheaper auto insurance for drivers with a DUI.

Cheap insurance quotes after getting a DUI

There are quite a few ways to shop around for auto insurance in New Hampshire, but the three most common are either through an independent or non-exclusive agent, an exclusive insurance agency such as State Farm or Auto-Owners, or from a direct company like Geico.

You can use whichever you prefer, but shoppers should understand the differences in how they provide rate quotes.

Independent insurance agencies have contracts with multiple insurance companies and can quote your policy with each one. These agents can provide you with more rates, which can help you get the best chance of finding a lower price. If they quote lower rates, your policy can be moved which prevents you from having to find an new insurance agent.

An exclusive agent is ‘exlusive’ to one insurance company, two popular examples being an Auto-Owners or State Farm agent. Exclusive agents are unable to provide multiple price quotes, so if rates are not competitive, they cannot shop around.

The last way is buying direct, which means you bypass local insurance agents and buy direct online or over the phone from a company like Geico or Progressive. This option may be preferred by people who have little risk and know what coverage limits and deductibles they need.

So which method is best to find cheap car insurance for drivers with a DUI in New Hampshire? It would be easy to say shopping direct results in the cheapest price because there is no agent involved, but that does not always hold true. It would also be easy to say buying from an independent agent guarantees the best prices due to more options, but that assumption is also not necessarily accurate. In some circumstances, exclusive agents have coverage prices that independents and direct companies can’t touch.

Because of the variability of auto insurance rates, the guaranteed way to buy the cheapest coverage is to do a thorough rate comparison. The best approach is to get price quotes from independent, exclusive, and direct to give yourself the best selection. For a list of companies with cheap rates in New Hampshire, click here to view.