The words “bargain” and “insurance” really shouldn’t be used in the same sentence, especially when you are trying to find the best car insurance for drivers with accidents. Because of the high cost, let’s start off by going over a few of the factors that influence insurance prices, and come up with some ideas to lower the cost of the next policy you buy.
When buying car insurance for drivers with at-fault accidents, one of the key components that car insurance companies use to determine the cost of insurance is the neighborhood you call home. Regions with larger populations or more claims like Manchester, Nashua, and Hampton are more likely to have higher rates, whereas areas with less traffic congestion and claims enjoy lower car insurance rates.
The information below shows the priciest cities in New Hampshire for drivers with accidents to purchase car insurance in.
Rank | City | Average Per Year |
---|---|---|
1 | Manchester | $1,276 |
2 | South Hooksett | $1,204 |
3 | Nashua | $1,183 |
4 | Pinardville | $1,165 |
5 | Hampton | $1,158 |
6 | Berlin | $1,152 |
7 | Exeter | $1,145 |
8 | Derry | $1,141 |
9 | Londonderry | $1,137 |
10 | Hudson | $1,132 |
11 | Claremont | $1,125 |
12 | Durham | $1,113 |
13 | Portsmouth | $1,106 |
14 | Dover | $1,101 |
15 | Rochester | $1,098 |
16 | Somersworth | $1,094 |
17 | Newmarket | $1,094 |
18 | Franklin | $1,091 |
19 | Milford | $1,085 |
20 | Hanover | $1,083 |
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Rate quotes are approximated as specific location information can influence insurance rates noticeably.
The model of vehicle you are seeking coverage for is one of the largest considerations when consumers are trying to find the cheapest car insurance for drivers with accidents in New Hampshire. Vehicles with high performance features, a lack of safety features, or an increased likelihood of liability claims will cost significantly more to insure than more modest models. The next lists presents coverage rates for the cheapest vehicles to buy insurance for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Ford Focus SEL 4-Dr Sedan | $1,606 | $803 | $134 |
Honda Accord LX 4-Dr Sedan | $1,300 | $650 | $108 |
Honda Civic VP 4-Dr Sedan | $1,606 | $803 | $134 |
Hyundai Sonata GLS 4-Dr Sedan | $1,664 | $832 | $139 |
Nissan Altima 2.5 S 4-Dr Sedan | $1,624 | $812 | $135 |
Toyota Camry LE | $1,542 | $771 | $129 |
Toyota Corolla S | $1,624 | $812 | $135 |
Volkswagen Jetta 2.0T 4-Dr Sedan | $1,644 | $822 | $137 |
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Data based on married male driver age 30, no speeding tickets, two at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Table data does not factor in vehicle location which can change coverage rates noticeably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Traverse LTZ AWD | $1,420 | $710 | $118 |
Ford Escape Limited 2WD | $1,318 | $659 | $110 |
Ford Expedition Eddie Bauer 2WD | $1,502 | $751 | $125 |
Ford Explorer Limited 2WD | $1,562 | $781 | $130 |
GMC Acadia SL AWD | $1,460 | $730 | $122 |
Honda CR-V EX 4WD | $1,318 | $659 | $110 |
Honda Fit Sport VSA | $1,306 | $653 | $109 |
Honda Pilot LX 2WD | $1,460 | $730 | $122 |
Hyundai Tucson Limited 2WD | $1,542 | $771 | $129 |
Jeep Grand Cherokee Limited 4WD | $1,644 | $822 | $137 |
Jeep Wrangler Rubicon 4WD 2-Dr | $1,460 | $730 | $122 |
Toyota 4Runner Trail Edition 4WD | $1,520 | $760 | $127 |
Toyota Highlander Hybrid 4WD | $1,662 | $831 | $139 |
Toyota RAV4 Limited 2WD | $1,542 | $771 | $129 |
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Data variables include married male driver age 30, no speeding tickets, two at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Price information does not factor in zip code location which can change rates significantly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado LS Crew Cab 2WD | $1,766 | $883 | $147 |
Dodge Ram 2500 Crew Cab ST 2WD | $1,766 | $883 | $147 |
Dodge Ram Crew Cab Sport 2WD | $1,784 | $892 | $149 |
Ford F-150 STX Super Cab 2WD | $1,442 | $721 | $120 |
Ford F-250 XL Super Cab Turbo Diesel 4WD | $1,896 | $948 | $158 |
GMC Canyon SLE Ext Cab 2WD | $1,524 | $762 | $127 |
GMC Sierra 3500HD SLE Extended Cab 2WD | $1,662 | $831 | $139 |
GMC Sierra SL Extended Cab 2WD | $1,542 | $771 | $129 |
Toyota Tacoma X-Runner 2WD | $1,624 | $812 | $135 |
Toyota Tundra SR/5 Double Cab 2WD | $1,664 | $832 | $139 |
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Data rating is based on married male driver age 30, no speeding tickets, two at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific zip code location which can impact auto insurance rates greatly.
When comparing rates for car insurance, the top insurers to get price quotes from are Geico, Allstate, State Farm, and Progressive. All of them offer physical damage and liability coverage, but each has unique features and discounts that can influence your buying decision. The data below shows price and claims rank as well as some different options that may be available in your state.
Geico | Allstate | State Farm | Progressive | |
---|---|---|---|---|
Policy Discounts | 2nd | 1st | 3rd | 4th |
Overall Satisfaction | 1st | 2nd | 4th | 3rd |
Claims Rank | 3rd | 1st | 2nd | 4th |
Price Overall | 1st | 4th | 2nd | 3rd |
Market share percentage | 11.4% | 10% | 18.3% | 8.8% |
Recommend by customers | 87% | 86% | 88% | 88% |
Rating from A.M. Best | A++ | A+ | A++ | A+ |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
Emergency roadside assistance | Yes | Yes | Yes | Yes |
New car replacement coverage | No | Yes | No | No |
Mechnical breakdown | Yes | No | No | Yes |
Accident forgiveness coverage | Yes | Yes | No | Yes |
Usage-based rating | No | Yes | Yes | Yes |
Insure in New Hampshire | Yes | Yes | Yes | Yes |
Types of agents used | From a Geico agent or online | Can only buy from Allstate agents | State Farm-only agents | Indpendent agents or online |
Number of agents | 150+ | 11,000+ | 18,000+ | 30,000+ |
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