When shopping for cheaper auto insurance for felons, one of the many factors that establish the price you pay for insurance is where you normally keep your vehicle in New Hampshire. Areas with high crime rates or more dense population like Manchester, Derry, and South Hooksett will most likely have higher rates, whereas areas with less congestion benefit from lower prices.
The table below ranks the highest-priced places in New Hampshire for felons to purchase auto insurance in.
Rank | City | Annual Rate |
---|---|---|
1 | Manchester | $1,276 |
2 | Pinardville | $1,201 |
3 | Derry | $1,187 |
4 | Londonderry | $1,171 |
5 | South Hooksett | $1,168 |
6 | Exeter | $1,145 |
7 | Nashua | $1,137 |
8 | Milford | $1,129 |
9 | Claremont | $1,125 |
10 | Hampton | $1,124 |
11 | Hudson | $1,120 |
12 | Newmarket | $1,116 |
13 | Dover | $1,112 |
14 | Berlin | $1,106 |
15 | Somersworth | $1,094 |
16 | Laconia | $1,087 |
17 | Lebanon | $1,082 |
18 | Durham | $1,080 |
19 | Portsmouth | $1,073 |
20 | Hanover | $1,073 |
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Premium costs are comparative as the garaging address in New Hampshire can alter price quotes considerably.
Determining which company offers the lowest-priced car insurance rates for felons requires more work in order to find the best price. Each auto insurer has a unique approach to set policy rates, so let’s take a look at the car insurance companies that tend to be cheaper in New Hampshire.
It’s a good idea to know that New Hampshire car insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay for coverage. Simply turning a year older, having a teenage driver, or getting a reckless driving citation may prompt premium changes resulting in some rates now being much cheaper than others.
Cheapest Insurance Rates for Felons
Rank | Company | Cost Per Year |
---|---|---|
1 | Concord | $691 |
2 | Travelers | $723 |
3 | Patriot | $788 |
4 | USAA | $845 |
5 | Amica | $889 |
6 | Vermont Mutual | $900 |
7 | Encompass | $1,025 |
8 | Progressive | $1,075 |
9 | MMG Insurance | $1,080 |
10 | State Farm | $1,100 |
11 | MetLife | $1,241 |
12 | Liberty Mutual | $1,398 |
13 | GEICO | $1,400 |
14 | Safeco | $1,740 |
15 | Allstate | $1,777 |
16 | The Hartford | $1,802 |
17 | Hanover | $2,106 |
18 | Commerce Group | $2,438 |
19 | Nationwide | $5,950 |
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Concord generally has some of the best car insurance rates in New Hampshire at around $691 each year. Travelers, Patriot, USAA, and Amica also qualify as some of the cheapest New Hampshire car insurance companies.
As the example above demonstrates, if you currently buy coverage from Travelers and switched to Concord, you might achieve a yearly price reduction of in the neighborhood of $32. Customers with Patriot could save as much as $97 a year, and USAA policyholders might lower prices by up to $154 a year.
Bear in mind that those policy rates are averages for all types of drivers and the different vehicles they drive and and are not figured with a price decrease for felons. So the auto insurance company that can offer you the best rate may not even be featured in the above rate chart. That points out the importance of why you need to get car insurance quotes using your own individual information.
The vehicle model driven is probably the most important factor that determines if you can find the best coverage for felons. Vehicles with higher performance characteristics, poor safety ratings, or a track record of large liability claims will cost more to insure than more economical and safe models. The next table ranks coverage prices for some of the most affordable automobiles to insure in New Hampshire.
Vehicle Make and Model | Estimated Cost for Full Coverage |
---|---|
Hyundai Elantra SE Touring Station Wagon | $493 |
Ford Escape XLT 2WD | $494 |
Hyundai Tucson GLS 4WD | $498 |
Honda Accord LX 4-Dr Sedan | $506 |
Chevrolet Traverse LT 2WD | $520 |
Ford Edge Limited 2WD | $529 |
Hyundai Santa Fe GLS 2WD | $520 |
Honda CR-V EX 4WD | $521 |
Toyota RAV4 Sport 4WD | $531 |
Toyota Sienna XLE | $536 |
Jeep Wrangler Sport Islander Package 4WD 2-Dr | $535 |
Ford Explorer Eddie Bauer AWD | $542 |
Dodge Grand Caravan SE | $548 |
Subaru Forester XT Limited Edition AWD | $550 |
Toyota Prius | $569 |
Chevrolet Impala LS | $571 |
Nissan Altima 3.5 SR 4-Dr Sedan | $575 |
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in vehicle location which can influence price quotes noticeably.
Looking at the rates, we can infer that makes and models like the Hyundai Elantra, Ford Escape, and Hyundai Tucson are most likely going to be the more affordable vehicles to insure for felons.
Insuring your vehicle with a good quality insurer can be difficult considering how many choices drivers have in New Hampshire. The ranking data listed below can help you decide which auto insurers you want to consider when comparing auto insurance rates for felons. These ratings are for major nationwide insurance companies, so smaller companies that only insure vehicles in New Hampshire will not be included in the list.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
The General | 96 | 100 | 92 | 91% | A- | 95 |
The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
USAA | 71 | 93 | 98 | 87% | A++ | 88 |
GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
American Family | 77 | 96 | 80 | 85% | A | 83.8 |
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Data Source: Insure.com Best Car Insurance Companies