How Much are Auto Insurance Quotes for a 20 Year Old Male in New Hampshire?

The words “affordable” and “insurance” really should not be used together, in particular when searching for the cheapest car insurance for 20 year old guys. Because it’s so expensive, let’s familiarize you with some situations that impact insurance premiums, and come up with some ideas to take the bite out of the next policy you buy.

One of the key factors that is used to help calculate the policy price is where you normally keep your vehicle. Cities with larger populations or higher claim trends like Manchester, Nashua, and Londonderry tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.

The information below displays the most expensive areas in New Hampshire for 20 year old guys in which to purchase auto insurance.

Information shown are estimated as vehicle location can revise premium rates greatly.

The cost and performance of the vehicle requiring coverage is one of the largest considerations when comparing the best auto insurance for 20 year old guys. Vehicles with average performance, advanced safety features, or a low likelihood of liability claims will cost less to insure than high performance models. The next lists showcases car insurance prices for some of the most affordable automobiles to insure.

Data variables include single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in specific garaging location which can influence premiums substantially.

Data variables include single male driver age 20, 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 location information which can raise or lower prices substantially.

Prices based on single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific location which can alter premiums significantly.

Choosing the top car insurance company can be a challenge considering how many different companies sell coverage in New Hampshire. The ranking data displayed below can help you pick which companies to look at when buying insurance for 20 year old guys. These ratings include companies with a nationwide focus, so companies that focus mainly on New Hampshire business are not included in these rankings.

Poor driving habits will raise your car insurance rates

The obvious way to maintain affordable car insurance rates in New Hampshire for young men is to be an attentive driver and avoid accidents and traffic violations. The diagram below shows how traffic citations and accidents can raise insurance costs for different ages of insureds. The premiums assume a single male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 1845,1981,2367],[‘Age 30’, 971,1111,1491],[‘Age 40’, 951,1091,1475],[‘Age 50’, 869,1007,1391],[‘Age 60’, 843,981,1365],[‘Age 70’, 1043,1179,1563]]);var options = {title: ‘Impact of Tickets and Claims on New Hampshire Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in New Hampshire’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of an auto insurance policy per year with no accidents or violations is $1,087. Get written up for one speeding ticket and the average cost increases to $1,225, an increase of $138 each year. Then throw in one accident along with the one speeding ticket and the annual cost of car insurance for 20 year old guys increases to an average of $1,609. That’s an increase of $522, or $43 per month, just for not paying attention while driving!