Located within the Merrimack River Watershed, Concord, NH is a city with deep roots in education. This city is also home to the state's only law school. In addition to the excellent schools, Concord has a low crime rate and low unemployment, making it a prime place to live. Traffic and congested roadways can be a problem for residents. Before you get behind the wheel, let an Independent Insurance Agent help you find excellent Concord car insurance.
- National average cost per year: $1,311
- New Hampshire average cost per year: $905
- #47 most expensive auto premium in the U.S.
High premiums cause frustration for New Hampshire drivers. Don’t give up hope of finding affordable insurance. Our agents specialize in helping New Hampshire drivers find budget-friendly auto insurance. Many factors determine your individual rate, including your driving record, your age and the type of car you drive.
New Hampshire Car Insurance Requirements
- Body injury liability: not required
- Property damage reliability: not required
- Personal injury protection (PIP): not required
- Uninsured motorist coverage: required
- Minimum liability limits: 25/50/25
New Hampshire drivers are legally required to have car insurance. Minimum coverage limits are $25,000 for individual injuries, $50,000 for total injuries in an accident and $25,000 for any resulting property damage. It is important to remember that these state minimums were only designed to cover the most basic accident. Drivers always have the option to purchase additional insurance, a decision that usually ends up saving them thousands of dollars.
Number of Uninsured Motorists in New Hampshire
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured New Hampshire drivers: 9.3%
Uninsured drivers are a big problem across the nation, and Concord is no exception to this rule. If you have an accident with a driver who has no insurance, you are responsible for your own car repairs. The cost of repairing a car can be financially devastating. Our agents can show you how to add uninsured motorist coverage to your auto insurance plan before it’s too late.
Number of Auto Thefts in New Hampshire
- National number of thefts for 1,000 vehicles: 2.94
- Number of thefts for 1,000 vehicles in New Hampshire: 0.84
Auto theft is something drivers need to take seriously. Imagine how it would feel to come out of a restaurant after a nice evening with friends only to discover your car is missing? Without your car, how would you be able to function in your daily routine? Our agents can help you choose a policy that will cover your stolen car so that you can get back to your normal routine in a timely fashion.
Find a Great Concord Car Insurance Policy
It is never a good idea to cut corners on your auto insurance policy. Never buy the first policy you find. The No. 1 rule of car insurance is to compare quotes so that you end up with the best plan for you. Our Independent Insurance Agents are professionals, who specialize in helping Concord drivers maximize savings while finding reliable coverage.
Contact an agent today to get a free customized quote on Concord auto insurance.