Best Cheap Auto Insurance for Safe Drivers in New Hampshire

You have seen the commercials from companies like The General, Nationwide, and Progressive that guarantee big savings. So drivers just need to choose the one with the best commercial, right?

It’s not that simple, unfortunately, as there are a whole bunch of unknowns such as if you own your own home, if you want the added protection of full coverage, and if you have maintained coverage continuously. We will try to cover these topics and should give you a solid foundation to find cheaper car insurance in New Hampshire.

Deciphering which insurers offer the best auto insurance rates for safe drivers involves a little more sweat in order to find the lowest price. Every auto insurer uses a different method for determining rates, so we’ll go over the most affordable auto insurance companies in New Hampshire.

It’s a good idea to know that New Hampshire auto insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay. Getting older, buying a new vehicle, or getting a few speeding tickets can trigger price changes that can now make some companies cheaper than competitors.

Best Car Insurance Prices for Safe Drivers

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Concord offers some of the most affordable car insurance rates in New Hampshire at around $705 a year. Travelers, Patriot, USAA, and Vermont Mutual also rank well as some of the most economical New Hampshire car insurance companies.

In the above rates, if you are insured with Patriot and switched to Concord, you might realize yearly savings of in the vicinity of $83. Insureds with USAA could save as much as $124 a year, and Vermont Mutual insureds might realize rate reductions of up to $159 a year.

These estimates are averages for all drivers and vehicles and are not factoring in a price discount for safe drivers. So the company that can offer you the lowest price may not even be shown in the chart above. That affirms the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

For good drivers, one of the big criteria that auto insurance companies use to determine the price you pay for insurance is the neighborhood you call home in New Hampshire. Cities with more crime and/or more people like Manchester, Derry, and Pinardville are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims generally pay less for auto insurance.

The table below displays the more expensive cities in New Hampshire for safe drivers to buy an auto insurance policy in.

Rates are comparative as the specific garaging location can change auto insurance rates substantially.

The vehicle that is being insured is one of the largest factors when comparing the best auto insurance for safe drivers. Vehicles with lower performance, an excellent safety record, or a positive history of liability claims will cost substantially less to insure than high performance models.

The next table shows coverage rates for the cheaper automobiles to insure in New Hampshire.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in vehicle location which can influence price quotes noticeably.

By looking at the data, you can conclude that vehicles like the Ford Escape, Jeep Wrangler, Chevrolet Traverse, Honda Accord, and Toyota Prius should be some of the more affordable vehicles to insure for good drivers.

Drive responsibly or pay higher rates

A great way to score the best cheap car insurance for safe drivers in New Hampshire is to be a good driver and not get tickets or have accidents. The information below demonstrates how traffic citations and at-fault collisions impact insurance costs for each age group. The premiums assume a married male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

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In the previous example, the average cost of an auto insurance policy in New Hampshire per year with no accidents and a clean driving record is $1,135. Factor in one speeding ticket and the average cost jumps to $1,305, an increase of $171 each year. Then add in one accident along with the one speeding ticket and the annual cost of auto insurance for safe drivers increases to an average of $1,784. That’s an increase of $649, or $54 per month, just for not being a responsible driver!

Choosing a high-quality car insurance provider can be a challenge considering how many companies provide coverage in New Hampshire. The rank data displayed below could help you choose which car insurance companies to look at when comparing rate quotes. The rankings below are for large insurance companies, so companies without a large exposure are not factored into the list.

Top 10 Large Auto Insurance Companies in New Hampshire Ranked by A.M. Best Rating

1. GEICO – A++
2. Travelers – A++
3. State Farm – A++
4. USAA – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Progressive – A+
9. The Hartford – A+
10. The General – A-

Top 10 Large Auto Insurance Companies in New Hampshire Ranked by Customer Satisfaction

1. The Hartford – 93%
2. The General – 91%
3. Progressive – 90%
4. 21st Century – 89%
5. State Farm – 87%
6. Travelers – 87%
7. USAA – 87%
8. Safeco Insurance – 86%
9. AAA Insurance – 86%
10. American Family – 85%

Cheapest car insurance: State Farm, Geico, Progressive, or Allstate

When it comes to buying car insurance for good drivers, some of the first companies to look at are State Farm, Geico, Progressive, and Allstate. When combined, they insure over 48% of all car insurance policies written. All offer your standard physical damage and liability coverages, but each one has a slightly different set of options and discounts that shoppers can select from. The table below points out price and claims rank as well as some different options that are available for buyers.