How Much is Auto Insurance for Infrequent Drivers in New Hampshire?

When shopping for the cheapest auto insurance for low mileage drivers, one of the many things that control insurance cost is where you keep your vehicle in New Hampshire. Areas that are more densely populated or have higher claim rates like Manchester, Nashua, and Hampton will most likely pay more, whereas cities that are not as densely populated can boast about having cheaper rates.

The information below lists the priciest cities in New Hampshire for infrequent drivers to purchase auto insurance in.

Rate information is comparative as the garaging address in New Hampshire can impact coverage prices noticeably.

Determining which insurers offer the lowest-priced auto insurance rates for infrequent drivers will require a bit more effort than just picking a company at random. Each insurance company uses a different method for filing rates in each state, so let’s examine the lowest cost auto insurance companies in New Hampshire.

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Travelers may offer some of the most affordable car insurance rates in New Hampshire at around $695 annually. Concord, Patriot, USAA, and Vermont Mutual also are some of the most economical New Hampshire insurance companies.

In the rate table above, if you currently buy coverage from USAA and switched to Concord, you may see an annual savings of roughly $140. Insureds with Vermont Mutual might save as much as $159 a year, and Amica policyholders might lower prices by $184 a year.

If you want to find out if you’re overpaying, click here to start your custom quote or click through to the companies below.

Bear in mind that those premiums are averaged across all types of drivers and the different vehicles they drive and do not factor in a price decrease for infrequent drivers. So the company that fits your needs best may not even be featured in the list of companies shown earlier. That illustrates why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

The vehicle model driven is one of the largest considerations when comparing cheap car insurance for infrequent drivers in New Hampshire. Vehicles with lower performance, good crash test ratings, or a track record of few liability claims will cost significantly less to insure than higher performance models. The tables below shows coverage prices for a number of the most budget-friendly vehicles to buy coverage for.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in specific zip code location which can affect coverage prices significantly.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Table data does not factor in zip code location which can raise or lower premiums greatly.

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in specific zip code location which can revise premium rates substantially.

How to find a good New Hampshire auto insurance company

Finding a highly-rated car insurance company can be rather challenging considering how many companies sell insurance in New Hampshire. The company ratings in the next section can help you choose which insurers to look at purchasing coverage from. The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not included in these rankings.

The diagram below highlights how deductible choice can increase or decrease insurance prices when researching cheap insurance for infrequent drivers. The information is based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2019,1847,1653,1471],[‘Age 30’, 1067,977,871,765],[‘Age 40’, 1023,939,841,747],[‘Age 50’, 937,859,771,687],[‘Age 60’, 921,843,757,673],[‘Age 70’, 1055,973,879,793]]);var options = {title: ‘Impact of Deductibles on Insurance Premiums in New Hampshire’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 30-year-old driver could lower their car insurance rates by $182 a year by switching from a $100 deductible to a $500 deductible, or save $276 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could roll back prices as much as $548 each year by choosing larger deductibles on their policy. When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have spare funds to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.

Which auto insurance company is best?

When it comes to buying auto insurance for low mileage drivers, the first places to look would be Progressive, State Farm, Allstate, and Geico. Combined they have about half of all vehicles in the U.S.. The following table compares and contrasts some of the different options that may be available in New Hampshire.