Cheap Auto Insurance Quotes for 17 Year Olds in New Hampshire

Anytime the topic is car insurance, the words cheap or affordable shouldn’t be used anywhere to describe car insurance prices. The fact is, cheap car insurance for 17 year olds is almost non-existent. Don’t get your dauber down, because there may be ways you can get insurance that is cheaper than what you have now.

Trying to buy budget insurance is not the easiest thing to do, and deciding which companies have the lowest-priced auto insurance rates for 17 year olds will take even more rate comparisons. Policy rates will more than likely be significantly greater than the average rate in New Hampshire, with the increase attributed to the additional risk that goes along with offering insurance for teen drivers, but reasonable coverage may be achievable if you shop around.

Every insurance provider has their own guidelines to establish rates, so let’s take a look at the auto insurance companies with the most affordable rates in New Hampshire. Keep in mind that New Hampshire auto insurance rates are impacted by many things which can substantially decrease or increase your annual premium. Simply getting older, moving to a new city, or getting a speeding ticket can trigger price changes that can cause some rates to be cheaper than competitors.

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Travelers may have some of the lowest car insurance rates in New Hampshire at around $702 each year. Concord, Patriot, USAA, and Amica also make the cut as some of the most economical New Hampshire auto insurance companies.

In this example, if you are insured with USAA and switched to Concord, you may see an annual savings of in the neighborhood of $115. Insureds with Amica might save as much as $175 a year, and Vermont Mutual insureds might lower prices by $186 a year.

If you would like to find cheap car insurance for 17 year olds in New Hampshire, click here to start a quote or feel free to get quotes from the companies below.

It’s important to note that these premiums are averaged for all ages of drivers and types of vehicles and and are not figured with a price increase for 17 year olds. So the company that has the lowest price for you may not even be shown in the list above. That’s why you need to get rate quotes using your own driver data and vehicle information.

The car, truck, or SUV on the policy is a significant factor when consumers are trying to find cheap car insurance for 17 year olds in New Hampshire. Vehicles with high performance engines, a lack of safety features, or high incidents of liability claims will cost quite a bit more to insure than safer models. The data below presents car insurance prices for some of the most affordable vehicles to insure.

Data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in garaging location in New Hampshire which can affect price quotes significantly.

Price data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in your specific New Hampshire location which can affect prices greatly.

Prices above based on single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific New Hampshire garaging location which can decrease or increase premium rates noticeably.

Types of discounts on New Hampshire insurance rates

Auto insurance companies that offer cheap car insurance for 17 year olds in New Hampshire could also offer rate discounts that could lower prices by 40% or more if you are eligible for them. Popular auto insurance companies and a partial list of their discounts can be read below.

The chart below visualizes the comparison of yearly insurance costs with and without discounts applied to the premium. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, New Hampshire state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paperless filing, vehicle safety, paid-in-full, anti-theft, continuous coverage, and good student discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for 17 year olds is 16% or $187.

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Full coverage rates vs. liability-only in New Hampshire

Finding cheap car insurance for 17 year olds in New Hampshire is probably important to most drivers, and one of the fastest ways to pay lower rates for insurance is to not buy comprehensive and collision coverage. The information below illustrates the difference between premium costs with full physical damage coverage compared to only buying the minimum liability limits required in New Hampshire. The costs are based on no accidents or driving violations, $250 deductibles, single marital status, and no policy discounts are applied.

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If averaged for all ages, physical damage coverage on your policy costs an additional $1,254 per year over and above liability coverage. That touches on the question if buying full coverage is worth the expense. There is no set guideline to exclude comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

There are some cases where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Progressive, Geico, Allstate, and State Farm compared

If you want reliable car insurance, four good companies to start with are Progressive, Geico, Allstate, and State Farm. They all have the same basic coverages, but each one has slightly different coverages and options that you can choose from. The following table compares some of the ratings and options offered by each company.