Cheap car insurance for drivers with prior incidents
Incidents on your drive record — whether it ’ s an at-fault accident, a DUI citation or a accelerate ticket — make you a riskier driver to insure and broadly cause insurance companies to raise your rates .
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Cheapest car insurance for people with a speeding ticket: State Farm
State Farm customers with one speeding ticket on their read wo n’t see an increase on their indemnity quotes, with the lapp price of $ 758 per year for full coverage. Compared to the average monetary value for people with a accelerate ticket, State Farm ‘s rate is over $ 1,000 cheaper, and the most low-cost we found .
Speeding tickets broadly do n’t increase your rates adenine much as accidents do, but you ‘ll likely still find yourself paying more if you ‘re catch driving above the amphetamine specify on New Hampshire roads. Our research found that New Hampshire drivers with a speeding ticket on their record pay 22 % more on average than drivers with a clean record .
|
Company |
Annual rate |
Monthly rate |
|---|---|---|
| State Farm | $758 | $63 |
| Geico | $806 | $67 |
| Concord | $1,068 | $89 |
| Progressive | $1,606 | $134 |
| Allstate | $2,134 | $178 |
| Hanover | $5,264 | $439 |
| USAA* | $805 | $67 |
Cheapest quotes for drivers after an accident: State Farm
Drivers in New Hampshire with a anterior accident in their repel history can find the cheapest full moon coverage car quotes at State Farm, where the average price after a barge in is $ 928 per class. By line, the average cost of a full coverage car policy policy for a New Hampshire driver with a holocene at-fault accident is $ 2,197 per annum .
|
Company |
Annual rate |
Monthly rate |
|---|---|---|
| State Farm | $928 | $77 |
| Geico | $1,090 | $91 |
| Concord | $1,335 | $111 |
| Progressive | $1,912 | $159 |
| Allstate | $2,720 | $227 |
| Hanover | $6,414 | $535 |
| USAA* | $982 | $82 |
An at-fault accident in New Hampshire could increase your quotes by an average of 51 %. The commodity news is that the increase is alone impermanent : Incidents like at-fault accidents normally disappear from your commemorate after three years .
To make indisputable you ‘re getting the best rates, however, we recommend shopping around after an accident. The rate from Hanover, the most expensive insurance company, is $ 5,486 higher than the rate from State Farm. The huge rate highlights why it ‘s critical to compare quotes after your drive record changes if you want to maximize your savings .
Cheapest car insurance for a DUI: Progressive
Progressive offers the lowest rates we found for New Hampshire drivers after a DUI. At merely $ 1,404 annually, the ship’s company ‘s premium is 41 % more low-cost than average for most drivers .
In New Hampshire, DUIs raise average annual premiums for full coverage by 64 % .
|
Company |
Annual rate |
Monthly rate |
|---|---|---|
| Progressive | $1,404 | $117 |
| Geico | $1,480 | $123 |
| Concord | $1,606 | $134 |
| State Farm | $2,064 | $172 |
| Allstate | $2,348 | $196 |
| Hanover | $6,684 | $557 |
| USAA* | $1,147 | $96 |
Cheapest car insurance for drivers with poor credit: Geico
If you have a low credit seduce, Geico may offer you the most low-cost quotes in New Hampshire : With an average price of $ 1,106 per year for wide coverage, its premium is 62 % cheaper than the state of matter average .
We found that New Hampshire drivers with poor credit pay up, on average, 102 % more than drivers with average credit. This is because insurers have found a correlation between inadequate recognition and increased likelihood of filing a claim, and they raise rates to account for that gamble .
|
Company |
Annual rate Read more: The 7 Best Car Insurance Companies (2022) |
Monthly rate |
|---|---|---|
| Geico | $1,106 | $92 |
| Concord | $1,262 | $105 |
| State Farm | $1,519 | $127 |
| Progressive | $1,824 | $152 |
| Allstate | $2,468 | $206 |
| Hanover | $11,258 | $938 |
| USAA* | $1,171 | $98 |