Temporary Auto Insurance in New Hampshire

The Zebra
Jan. 18, 2019

If you want some flexibility as far as your car insurance is concerned, you might be interested in a short-term auto insurance policy. Unfortunately, temporary auto insurance contracts are rare for a few reasons.

Firstly, many insurance companies do not offer policy terms for periods shorter than half a year. As car insurance is mandatory in most US states, changing policies by the month can be a risky proposition. You also run the risk of creating gaps in your insurance history by making abrupt moves between policies, which could lead to more expensive premiums in the long run.

Thankfully, auto insurance policies typically last for just six months. This short duration allows car insurance companies to frequently “re-rate” — or re-price — your bill using your present driving record and personal info.

The end of a policy period also provides a great chance for you to reevaluate your insurance situation and shopping other insurers. Getting quotes online costs nothing, and there is no penalty for moving between car insurance companies between policies — or even mid-term, as long as you don't let your coverage lapse.

The flexible nature of car insurance makes it relatively easy to acquire on short notice. If you require a policy to drive your new vehicle off the lot, looking for insurance for a relatively long-term car rental, or seeking coverage on a car you don't own but drive often, think about purchasing a standard policy and curtailing the agreement as needed.


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Temporary car insurance in New Hampshire

See below typical car insurance premiums in New Hampshire, ordered by top insurance companies and the most populous cities. If your premiums exceed the rates below, consider other options.


TEMPORARY AUTO INSURANCE RATES IN NEW HAMPSHIRE — BY INSURANCE COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
New Hampshire State Average — All Companies$542$90
GEICO$314$52
Concord$301$50
State Farm$485$81
Amica$551$92
Progressive$828$138

The most budget-friendly option for short-term auto insurance in New Hampshire is Concord, with whom you can save $2 per month, compared to the next-cheapest choice, GEICO. In New Hampshire, the average per-month cost of auto insurance is $90, or $542 over a biannual contract.

Where you live has as great an impact on your car insurance rates as the insurance company you choose. Auto insurance companies take into account the number of local insurance claims when drafting prices by ZIP code. View insurance prices in major New Hampshire cities and compare against what you’re paying.


TEMPORARY AUTO INSURANCE RATES IN NEW HAMPSHIRE — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Manchester$651$109
Nashua$580$97
Concord$498$83
Dover$545$92
Rochester$538$90

If your rates don’t align with those listed above, consider taking a moment to compare quotes. The temporary timetable of a car insurance contract increases the importance of staying informed and willing to shop.

Learn more about temporary auto insurance or use our search function to compare rates today.


Additional resources

Is it possible to get car insurance with no credit history?

Learn more about weekend-only car insurance.

Check out the best car insurance options for teen drivers.

Find cheap auto insurance for new drivers.


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