Cheapest Car Insurance for Drivers with Accidents in New Hampshire

Cheapest Car Insurance for Drivers with Accidents in New Hampshire

The words “bargain” and “insurance” really shouldn’t be used in the same sentence, especially when you are trying to find the best car insurance for drivers with accidents. Because of the high cost, let’s start off by going over a few of the factors that influence insurance prices, and come up with some ideas to lower the cost of the next policy you buy.

When buying car insurance for drivers with at-fault accidents, one of the key components that car insurance companies use to determine the cost of insurance is the neighborhood you call home. Regions with larger populations or more claims like Manchester, Nashua, and Hampton are more likely to have higher rates, whereas areas with less traffic congestion and claims enjoy lower car insurance rates.

The information below shows the priciest cities in New Hampshire for drivers with accidents to purchase car insurance in.

How much does car insurance cost in New Hampshire?
Rank City Average Per Year
1 Manchester $1,276
2 South Hooksett $1,204
3 Nashua $1,183
4 Pinardville $1,165
5 Hampton $1,158
6 Berlin $1,152
7 Exeter $1,145
8 Derry $1,141
9 Londonderry $1,137
10 Hudson $1,132
11 Claremont $1,125
12 Durham $1,113
13 Portsmouth $1,106
14 Dover $1,101
15 Rochester $1,098
16 Somersworth $1,094
17 Newmarket $1,094
18 Franklin $1,091
19 Milford $1,085
20 Hanover $1,083
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Rate quotes are approximated as specific location information can influence insurance rates noticeably.

The model of vehicle you are seeking coverage for is one of the largest considerations when consumers are trying to find the cheapest car insurance for drivers with accidents in New Hampshire. Vehicles with high performance features, a lack of safety features, or an increased likelihood of liability claims will cost significantly more to insure than more modest models. The next lists presents coverage rates for the cheapest vehicles to buy insurance for.

Auto Insurance Rates for Popular Cars in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Focus SEL 4-Dr Sedan $1,606 $803 $134
Honda Accord LX 4-Dr Sedan $1,300 $650 $108
Honda Civic VP 4-Dr Sedan $1,606 $803 $134
Hyundai Sonata GLS 4-Dr Sedan $1,664 $832 $139
Nissan Altima 2.5 S 4-Dr Sedan $1,624 $812 $135
Toyota Camry LE $1,542 $771 $129
Toyota Corolla S $1,624 $812 $135
Volkswagen Jetta 2.0T 4-Dr Sedan $1,644 $822 $137
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Data based on married male driver age 30, no speeding tickets, two at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Table data does not factor in vehicle location which can change coverage rates noticeably.

Insurance Rates for Popular SUVs and Crossovers in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Traverse LTZ AWD $1,420 $710 $118
Ford Escape Limited 2WD $1,318 $659 $110
Ford Expedition Eddie Bauer 2WD $1,502 $751 $125
Ford Explorer Limited 2WD $1,562 $781 $130
GMC Acadia SL AWD $1,460 $730 $122
Honda CR-V EX 4WD $1,318 $659 $110
Honda Fit Sport VSA $1,306 $653 $109
Honda Pilot LX 2WD $1,460 $730 $122
Hyundai Tucson Limited 2WD $1,542 $771 $129
Jeep Grand Cherokee Limited 4WD $1,644 $822 $137
Jeep Wrangler Rubicon 4WD 2-Dr $1,460 $730 $122
Toyota 4Runner Trail Edition 4WD $1,520 $760 $127
Toyota Highlander Hybrid 4WD $1,662 $831 $139
Toyota RAV4 Limited 2WD $1,542 $771 $129
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Data variables include married male driver age 30, no speeding tickets, two at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Price information does not factor in zip code location which can change rates significantly.

Auto Insurance Rates for Popular Pickup Trucks in New Hampshire
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado LS Crew Cab 2WD $1,766 $883 $147
Dodge Ram 2500 Crew Cab ST 2WD $1,766 $883 $147
Dodge Ram Crew Cab Sport 2WD $1,784 $892 $149
Ford F-150 STX Super Cab 2WD $1,442 $721 $120
Ford F-250 XL Super Cab Turbo Diesel 4WD $1,896 $948 $158
GMC Canyon SLE Ext Cab 2WD $1,524 $762 $127
GMC Sierra 3500HD SLE Extended Cab 2WD $1,662 $831 $139
GMC Sierra SL Extended Cab 2WD $1,542 $771 $129
Toyota Tacoma X-Runner 2WD $1,624 $812 $135
Toyota Tundra SR/5 Double Cab 2WD $1,664 $832 $139
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Data rating is based on married male driver age 30, no speeding tickets, two at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific zip code location which can impact auto insurance rates greatly.

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

When comparing rates for car insurance, the top insurers to get price quotes from are Geico, Allstate, State Farm, and Progressive. All of them offer physical damage and liability coverage, but each has unique features and discounts that can influence your buying decision. The data below shows price and claims rank as well as some different options that may be available in your state.

Comparison of Top Four U.S. Car Insurance Companies
Geico Allstate State Farm Progressive
Policy Discounts 2nd 1st 3rd 4th
Overall Satisfaction 1st 2nd 4th 3rd
Claims Rank 3rd 1st 2nd 4th
Price Overall 1st 4th 2nd 3rd
Market share percentage 11.4% 10% 18.3% 8.8%
Recommend by customers 87% 86% 88% 88%
Rating from A.M. Best A++ A+ A++ A+
Uber and Lyft insurance Yes Yes Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
New car replacement coverage No Yes No No
Mechnical breakdown Yes No No Yes
Accident forgiveness coverage Yes Yes No Yes
Usage-based rating No Yes Yes Yes
Insure in New Hampshire Yes Yes Yes Yes
Types of agents used From a Geico agent or online Can only buy from Allstate agents State Farm-only agents Indpendent agents or online
Number of agents 150+ 11,000+ 18,000+ 30,000+
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