Car Insurance for Good Drivers in New Hampshire

The Zebra
July 15, 2019

Car insurance for good drivers in New Hampshire

Many of the factors insurance companies use to set your car insurance rates lie beyond your control: your age, location, and gender are common rating factors over which you don’t have much of a say. There are, however, a few factors you can more easily alter in pursuit of lower rates.

If you want to minimize your insurance expenditure, try to keep your driving history clean, your credit score solid, and your monthly driving mileage low. Car insurance companies are willing to provide price breaks to low-risk clients, so low-risk driving behaviors can lead to a price cut.

Looking for car insurance as a low-risk driver in New Hampshire? Get started by checking out some sample rates below!

Car insurance for citation-free drivers in New Hampshire

One way to reduce your auto insurance rates is to steer clear of legal issues. Car insurance companies see safe drivers as less risky customers, in turn charging them lower premiums. Staying on the right side of the law is a great way to cut your insurance costs.

If you’ve steered clear of violations in recent years, start your insurance search with State Farm, with average annual premiums of $769. That sums to $1,146less than the average car insurance rate for citation-free drivers in New Hampshire.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN NEW HAMPSHIRE
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$769
Concord Group$829
Encompass$936
Commerce Group Inc$950
Amica Mutual$1,047
Patriot Group$1,071
Nationwide$1,081
GEICO$1,342

Car insurance rates for drivers with high credit scores in New Hampshire

Auto insurance companies reward clients who maintain a solid credit history. Insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If you have a "good" credit score (670-739), your best option for car insurance might be State Farm, providing an average rate of $769. If your credit score is even better (in the "excellent" range), State Farm could be a good company with which to start your search. State Farm's premiums for clients with "excellent" credit average are $278 per year less than the typical car insurance rate for drivers with excellent credit in New Hampshire.

Find below a breakdown of auto insurance rates in New Hampshire for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN NEW HAMPSHIRE
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$769
Concord Group$829
Encompass$936
Commerce Group Inc$950
Amica Mutual$1,047
Patriot Group$1,071
Nationwide$1,081
GEICO$1,342

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN NEW HAMPSHIRE
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$652
Concord Group$785
Encompass$910
Commerce Group Inc$937
Patriot Group$1,024
Nationwide$1,027
Amica Mutual$1,047
Metropolitan$1,234

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN NEW HAMPSHIRE
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$619
Concord Group$745
Encompass$846
Commerce Group Inc$897
Amica Mutual$930
Nationwide$956
Patriot Group$965
Metropolitan$982

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Car insurance for low-mileage drivers in New Hampshire

The less you drive, the less likely you are to be involved in a collision or file a claim. That’s the logic auto insurance companies rely on when assigning lower rates to drivers who use their cars infrequently. If you stay within the threshold of 7,500 miles per year or fewer, you could save money on car insurance. Just how much you save by reducing your mileage depends on your insurance company’s pricing practices.

If you're a New Hampshire driver who doesn't rack up major mileage, consider State Farm, which offers average per-year savings of $1,218 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN NEW HAMPSHIRE
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$697
Concord Group$814
Encompass$936
Commerce Group Inc$950
Amica Mutual$1,047
Patriot Group$1,071
Nationwide$1,081
GEICO$1,322

Start your search today — compare rates now!

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Insurance rates for good drivers in New Hampshire — by city

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Car insurance companies rate policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.

Find below a summary of auto insurance rates for drivers with positive rating factors in the five most populous cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Dover$1,097$1,097$1,000$982$1,154
Rochester$1,106$1,106$1,007$989$1,157
Concord$1,147$1,147$1,043$1,025$1,205
Nashua$1,249$1,249$1,136$1,115$1,301
Manchester$1,407$1,407$1,278$1,254$1,459

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