How Much Does Auto Insurance Cost for Police Officers in New Hampshire?

Wouldn’t life be so easy if we could tell you the single best car insurance company that has the cheapest car insurance rates for police officers? It’s not quite that easy, unfortunately, as there are a whole slew of unknown factors such as whether you have prior claims, deductibles for comprehensive and collision coverage, the liability limit you need, and if you own a home, that all factor into the price you pay. In this article, we will cover the different scenarios that increase car insurance cost and hopefully give you enough understanding to have a good start to your coverage search.

We all have different tastes in cars, and the vehicle you are buying coverage for is a significant factor when comparison shopping for the best cheap insurance for police officers. Vehicles with high performance engines, poor crash test ratings, or an increased likelihood of liability claims will cost substantially more to insure than safer models.

The next tables features coverage rates for a selection of the most affordable automobiles to insure in New Hampshire.

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in garaging location in New Hampshire which can modify premium rates greatly.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in specific garaging location which can modify coverage rates significantly.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in your specific New Hampshire location which can impact premiums substantially.

Comparing quotes for cheap auto insurance is hard enough, and figuring out which company quotes the best insurance rates for police officers will involve even more perseverance. Rates will be slightly less expensive than the average policy in New Hampshire attributed to the lower risk that goes along with offering insurance for law enforcement personnel. Budget-friendly insurance should be readily available from many insurers.

Every auto insurer has a proprietary method for determining prices, so we need to take a look at the insurance companies with the overall cheapest rates in New Hampshire.

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Concord offers some of the cheapest car insurance rates in New Hampshire at around $691 annually. Travelers, Patriot, USAA, and Vermont Mutual also make the cut as some of the cheapest New Hampshire insurance companies.

In this example, if you are a policyholder with USAA and switched to Concord, you could see a yearly price reduction of approxmiately $138. Policyholders with Vermont Mutual might save as much as $173 a year, and Amica customers might see rate reductions of $216 a year.

To find cheap auto insurance for police officers in New Hampshire for your vehicle, click here to get quotes or click through to the companies below.

It’s important to note that these premiums are averaged for all ages of drivers and types of vehicles and are not factoring in a rate decrease for police officers. So the company that is best for you may not even be featured in the list of companies shown earlier. That illustrates why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

For law enforcement personnel, one of the more important factors that determine the cost of insurance is where your car is garaged in New Hampshire. Areas that are densely populated or have higher claim frequency like Manchester, Nashua, and Londonderry tend to have more expensive car insurance rates, whereas cities that are not as densely populated generally have lower rates.

The table below ranks the higher priced cities in New Hampshire for police officers to purchase a policy in.

Table data uses approximated as the specific area where the vehicle is garaged can influence price quotes considerably.

Cost comparison with and without full coverage

Finding cheap auto insurance for police officers in New Hampshire is important to the majority of vehicle owners, and one of the best ways to find cheap insurance is to buy liability only. The chart below shows the comparison of insurance costs with full coverage and liability only. The prices are based on no claims or driving violations, $250 deductibles, drivers are not married, and no additional discounts are factored in.

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As an average for all age groups, comp and collision coverage costs $1,701 per year more than insuring for liability only. At some point, about every driver wonders when is it a good idea to stop buying full coverage. There is no clear-cut formula to delete full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s replacement cost is $12,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $11,000 after the policy deductible has been paid. If you are paying in excess of $1,100 annually for full coverage, then it’s probably a good time to buy liability coverage only.

Choosing the highest-rated car insurance company can be rather challenging considering how many companies sell insurance in New Hampshire. The information shown below may help you analyze which car insurance providers you want to consider comparing rates with. These ratings are only made up of the largest auto insurers in America, so companies without a large exposure are not taken into consideration for this list.

Top 10 Large Auto Insurance Providers 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

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

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

Geico, State Farm, Allstate, and Progressive compared

If you’re looking for the best auto insurance for law enforcement personnel in New Hampshire, some of the largest companies to start with are Geico, State Farm, Allstate, and Progressive. If you add them together, they insure over 48% of all auto insurance written. They all have the same basic coverages, but each one has different features and discounts that shoppers can select from. The next table compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages you can expect with each one.