Who Has Cheap Car Insurance for Uninsured Drivers in New Hampshire?

You have seen the catchy commercials from companies like Nationwide and Liberty Mutual that make promises of the cheapest rates, so drivers should just choose any one of them, right?

It’s just not that simple, as there are a whole bunch of unknown elements like whether you commute to work, how well you maintain your credit, whether you are married or single, and the neighborhood you live in, that all factor into the price you pay. This article will cover the best ways to save money and also should give you a good start in finding the cheapest insurance in New Hampshire.

The make and model of vehicle you are seeking coverage for is one of the primary factors that determines the availablility of affordable car insurance for uninsured drivers. Vehicles with average performance, modern passenger safety features, or a positive history of liability claims will cost less to insure than fast, unsafe models. The next list presents coverage rates for the most cost-effective automobiles to buy coverage for.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate information does not factor in vehicle location which can revise price quotes considerably.

Looking at the numbers, models like the Ford Escape, Honda CR-V, Dodge Grand Caravan, Chevrolet Traverse, and Chevrolet Impala will be a few of the more affordable vehicles to insure for drivers with no prior coverage.

When shopping for the cheapest auto insurance for drivers with no prior coverage, one of the many things that is used by auto insurance companies to determine the price of your policy is your zip code in New Hampshire. Regions with larger populations or more claims like Manchester, Londonderry, and Pinardville tend to have more expensive auto insurance rates, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The following table lists the most expensive areas in New Hampshire for uninsured drivers to purchase auto insurance in.

Prices are estimated as the vehicle garaging location can raise or lower auto insurance rates significantly.

Determining which insurers offer the cheapest auto insurance rates for uninsured drivers may require a little more effort in order to find the lowest price.

Every insurance company uses different criteria to determine rates, so let’s take a look at the auto insurance companies with the overall best prices in New Hampshire. It’s important to know that New Hampshire auto insurance rates are calculated based on many things which can substantially decrease or increase your annual premium. Getting older, moving to a different location, or getting a few speeding tickets can trigger changes in premium resulting in some companies being cheaper than competitors.

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Concord generally has some of the lowest car insurance rates in New Hampshire at around $705 annually. Travelers, Patriot, USAA, and Vermont Mutual would also make the list of some of the cheapest New Hampshire insurance companies.

As depicted above, if you currently buy coverage from USAA and switched to Concord, you could earn an annual savings of in the neighborhood of $140. Insureds with Vermont Mutual might save as much as $159 a year, and Amica insureds might reduce rates by $211 a year.

To find cheap car insurance for uninsured drivers in New Hampshire for your vehicle, click here to get quotes or visit any of the companies below.

These policy rates are averages across all insureds and vehicles and and are not calculated with a rate decrease for uninsured drivers. So the auto insurance company that has the cheapest price for you may not even be in the above rate chart. That illustrates why you need to compare rates from multiple companies using your own individual information.

The chart below highlights how deductible choice can affect premium costs when searching for cheap insurance for uninsured drivers. The premiums are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

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As shown above, a 50-year-old driver could lower rates by $162 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $244 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could roll back prices as much as $404 every year just by choosing higher deductibles. If you do raise deductibles, it’s a good idea to have additional funds squirreled away to pay the extra out-of-pocket expense associated with higher deductibles.

Auto insurance company ratings

Ending up with the highest-rated car insurance provider is hard considering how many companies there are in New Hampshire. The ranking information listed below can help you pick which car insurance companies you want to consider when looking for cheaper rates. The ratings below include companies with a national presence, so companies that only write business in New Hampshire or surrounding areas are not taken into consideration for these rankings.

Top 10 Major Auto Insurance Companies in New Hampshire Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. GEICO
5. State Farm
6. Nationwide
7. Allstate
8. The General
9. 21st Century
10. The Hartford

Top 10 Major Auto Insurance Companies in New Hampshire Ranked by Value

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