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It can be tough to find cheap auto insurance with bad credit. Car insurance companies utilize credit tier as a rating factor, assigning premiums based partially on drivers’ credit scores. Because car insurance companies use historical data showing clients with poor credit are more likely to file auto insurance claims, they compensate for this risk by charging more.
Car insurance rates with a low credit score depends on where you live, which car insurance company you use, and an array of other rating factors. See below typical car insurance premiums for drivers with bad credit in major New Hampshire cities and rates from top car insurance companies, plus tips on how to save on car insurance if you have bad credit in New Hampshire.
New Hampshire drivers pay a penalty of $1,950 per year for having a credit score in the “worst” tier. Drivers in the "poor" or "below fair to poor" credit tiers will also face a penalty.
| Credit Tier | Average Annual Rate in New Hampshire |
| Worst | $3,033 |
| Poor | $2,576 |
| Below Fair to Poor | $2,376 |
| Average — All Credit Tiers | $1,083 |
Auto insurance prices will also depend on the geographic area where you park your car. Insurers use your address to better understand your odds of filing a claim: the denser and claim-prone your immediate area is, the more you'll pay.
We've listed major New Hampshire cities and their average car insurance rates for those with bad credit.
| City | Average Annual Rate — Worst Credit | Average Annual Rate — Poor Credit | Average Annual Rate — Below Fair to Poor Credit |
| Manchester | $3,772 | $3,203 | $2,939 |
| Nashua | $3,158 | $2,692 | $2,479 |
| Concord | $2,780 | $2,373 | $2,185 |
| Dover | $2,971 | $2,538 | $2,335 |
| Rochester | $2,898 | $2,476 | $2,279 |
Another factor contributing to how much you pay for car insurance is the insurer you choose. Every car insurance company prices policies differently, giving rating factors varying weights in their pricing calculations. Credit score can be a primary price differentiator between otherwise-similar car insurance companies. In New Hampshire, the cheapest major insurance company with bad credit is GEICO, which offers a premium cut of $255 annually in comparison to the second-cheapest company, Concord Group Insurance.
See below prices from leading car insurance companies in New Hampshire for drivers with bad credit.
| Company | Average Annual Rate — Worst Credit |
| GEICO | $953 |
| Concord Group Insurance | $1,208 |
| State Farm | $2,021 |
| Amica | $2,088 |
| Allstate | $2,588 |
If you're finding car insurance with a low credit score, remember these tips: