Cheapest Car Insurance for Drivers with a Bad Driving Record in New Hampshire

One of the key criteria that is used by insurance companies to determine the amount you pay for auto insurance is where your residence is in New Hampshire. Regions with larger populations or more claims like Manchester, Pinardville, and Hudson tend to have more expensive auto insurance rates, whereas cities that are not as densely populated generally benefit from lower insurance rates.

The illustration below illustrates the more expensive cities in New Hampshire for drivers with a bad driving record in which to buy car insurance.

Rate quotes are comparative as vehicle location can affect coverage rates significantly.

Finding decent, low-priced insurance is difficult, and determining which companies have the cheapest insurance rates for drivers with a bad driving record involves additional perseverance. Coverage rates could be much more than the average policy in New Hampshire due to the potentially higher risk related to offering insurance for bad drivers, but competitively-priced insurance should be achievable if you find the right company. Every auto insurer uses a different method for setting rates, so let’s begin by taking a look at the most affordable insurance companies in New Hampshire.

It’s important that you understand New Hampshire insurance rates are impacted by many factors that control the price you have to pay for coverage. This is why consumers need to spend some time comparing rates when trying to find cheap insurance quotes for drivers with a bad driving record. Insurance rates consist of many factors and can increase or decrease at any time, so the best option two years ago may now be one of the more expensive options.

Best Auto Insurance Prices for Imperfect Drivers

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Concord offers some of the lowest car insurance rates in New Hampshire at around $691 a year. Travelers, Patriot, USAA, and Vermont Mutual would also make the list of some of the more affordable New Hampshire auto insurance companies.

As illustrated above, if you buy coverage from USAA and switched to Travelers, you might realize savings of in the vicinity of $122. Customers with Vermont Mutual might save as much as $177 a year, and Amica insureds might reduce prices by as much as $184 a year.

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Bear in mind that those policy rates are averaged across all drivers and vehicles in New Hampshire and and are not figured with a rate increase for drivers with a bad driving record. So the car insurance company that is most affordable for your situation may not even be in the list above. That affirms the importance of why you need to get rate quotes using your own individual information.

The make and model of vehicle needing coverage is probably the largest consideration that determines whether or not you can buy the cheapest car insurance for drivers with a bad driving record in New Hampshire. Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than safer models. The table below presents auto insurance rates for a number of the cheaper vehicles to insure.

Table data represents married female driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rate information does not factor in zip code location which can change rates considerably.

Looking at the rates, we can infer that makes and models like the Ford Escape, Honda Accord, Chevrolet Traverse, Honda CR-V, and Dodge Grand Caravan are a few of the most economical vehicles to insure for bad drivers. The cost of a car insurance policy will be more expensive just due to the fact that there is more liability risk for drivers with a bad driving record, but overall those particular vehicles will tend to have the least expensive rates that you’ll find.

Impact of careless driving on New Hampshire insurance rates

A great way to maintain affordable insurance premiums in New Hampshire for bad drivers is to be a safe driver and avoid accidents and traffic violations. The diagram below illustrates how speeding tickets and at-fault claims can influence insurance costs for different age groups. The premium estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

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In the previous example, the average cost of car insurance in New Hampshire per year with no accidents and a clean driving record is $1,440. Add in two speeding tickets and the average cost rises to $1,941, an increase of $501 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of insurance for drivers with a bad driving record jumps again to an average of $3,636. That’s an increase of $2,197, or $183 per month, just for not keeping your driving record clean!

Geico, Progressive, Allstate, or State Farm: Who is best?

When comparing auto insurance for bad drivers in New Hampshire, the companies with the most market share are Geico, Progressive, Allstate, and State Farm. All four can cover your vehicle for liability and physical damage, but each one has a different combination of discounts, features, and options that buyers can choose from. The data below rates ratings for price, service, and claims, in additional to some of the optional coverages that are available from each company.