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On average, New Hampshire drivers pay just $905 per year for their car insurance. This is significantly lower than the national average of $1,311 per year, and actually makes New Hampshire the 5th least expensive state for automobile coverage.
As a vehicle owner in New Hampshire, you can find the best rates by comparison shopping with a local independent insurance agent. These agents can help by obtaining customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at a competitive price.
Unlike in most states, car insurance is not mandatory in New Hampshire. So you may be wondering what this coverage does that makes it worth spending the money on a policy.
Accidents can happen in the blink of an eye. If you are at fault, you can be held liable for other people’s property damage and the treatment of their injuries. Given the high cost of healthcare, an accident that involves injuries can be extremely expensive and could cause you a great deal of financial harm.
If you are involved in a collision, here are a few of the ways that your New Hampshire auto insurance can help.
You can also opt to include other coverage with your car insurance policy, including roadside assistance & towing and rental car reimbursement. Talk to your local insurance agent to learn more.
The driver who caused the accident is responsible for covering the cost of damage.
Even though it is not mandatory to have car insurance in New Hampshire, only about 9.3% of vehicle owners choose to forgo it. This is because many drivers understand the financial risks of going without it.
If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage. However, if the uninsured driver simply doesn’t have the money available, it can take court orders, lawsuits, and legal action to collect just a fraction of what is due to you.
That is why uninsured motorist coverage can prove so beneficial. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then assume the time-consuming responsibility of trying to collect the money owed by the at-fault driver.
Yes! There are currently 167 independent insurance agents in New Hampshire who are ready to help. Did you know that independent insurance agents can work with several different insurance providers to help you find the best rate for auto coverage? That way, you can buy a policy that meets all your coverage needs at a price you can afford.
The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
|City||Commute time (min)||Auto thefts / 1,000||Annual insurance cost|