Cheapest Car Insurance for Homeowners in New Hampshire

Deciphering which company quotes the cheapest insurance rates for homeowners will take a tad more effort than just picking a company at random. Each insurance company uses a different method to determine premium rates, so to begin we’ll rank the insurance companies with the overall best prices in New Hampshire.

It’s important that you understand New Hampshire insurance rates are calculated based on many things that will increase or decrease the cost of having a policy. Improving your credit score, having a claim, or getting a speeding ticket may prompt premium changes that can make some companies cheaper than others.

Best Insurance Companies for Homeowners

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Concord has some of the lowest car insurance rates in New Hampshire at around $684 a year. Travelers, Patriot, USAA, and Vermont Mutual also make the cut as some of the cheapest New Hampshire insurance companies.

As depicted above, if you are currently insured with Travelers and switched to Concord, you might see yearly savings of in the vicinity of $11. Drivers with Patriot may save as much as $112 a year, and USAA policyholders might see rate reductions of $145 a year.

To find out how much you can save, click here to start a quote or quote rates from the companies below.

Be aware that those rates are averaged for all drivers and vehicles in New Hampshire and and are not calculated with a rate decrease for homeowners. So the car insurance company that fits your needs best may not even be featured in the chart above. That points out the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

The type of vehicle needing coverage is probably the biggest factor that determines if you can find the cheapest auto insurance for homeowners in New Hampshire. Vehicles with more horsepower, poor crash test ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models.

The next list outlines coverage rates for a number of the most cost-effective vehicles to buy insurance 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, homeowner, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in specific location which can modify rates significantly.

Looking at the numbers, you can figure that vehicles like the Jeep Wrangler, Chevrolet Traverse, Honda Accord, and Honda CR-V are most likely going to be the more affordable vehicles to insure for people who own their homes.

When buying car insurance for people who own their homes, one of the key components that car insurance companies use to calculate rate quotes is where you keep your vehicle in New Hampshire. Urban areas that are densely populated like Manchester, South Hooksett, and Pinardville tend to have higher auto insurance costs, whereas areas with less congestion benefit from lower prices.

The illustration below displays the priciest cities in New Hampshire for homeowners to purchase car insurance in.

Premium amounts are comparative as the garaging address in New Hampshire can lower or raise coverage prices substantially.

Allstate, State Farm, Geico, and Progressive compared

If you’re looking for the cheapest auto insurance, four companies you’ll want quotes from are Allstate, State Farm, Geico, and Progressive. When combined, they insure almost half of all policies written in the United States. All four can cover your vehicle for liability and physical damage, but each one has different optional coverages and features that you can choose from. The next table ranks some of the different options .