Cheap Car Insurance for Bad Credit Drivers in New Hampshire:
Costs and Quotes (2021)

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Cheapest Companies for Drivers With Bad Credit in New Hampshire (2021)

For drivers with bad credit in New Hampshire, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in New Hampshire. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in New Hampshire.

CarrierAvg. Monthly Cost
american-family

American Family Insurance

$123/mo
travelers

Travelers

$127/mo
the-general

The General

$141/mo
safeco

Safeco Insurance

$146/mo
nationwide

Nationwide

$157/mo
liberty-mutual

Liberty Mutual

$189/mo

Bad Credit Car Insurance in New Hampshire

New Hampshire has many firsts that set it apart from the rest of the nation. But when it comes to rules regarding car insurance and credit checks, it's similar to almost every other state.

New Hampshire state law outlines specifics for just how a car insurance company can measure and use your credit when setting rates. But, the fact is, if you have poor credit in New Hampshire, it could affect your auto insurance premiums negatively.

New Hampshire Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$104
Excellent
$105
Good
$145
Average
$145
Poor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in New Hampshire?

It's definite. Drivers with bad credit pay more in New Hampshire for insurance than the average driver with good credit. If you have a bad credit history, you may be paying $30 more a month than your good-credit neighbor.

Why are rates so high? Car insurance companies use credit to predict claims behavior. The thought is that those who manage their money well are less likely to make claims and cost the insurer money.

$115
Avg. Monthly Cost - for Drivers with Good Credit
$145
Avg. Monthly Cost - for Drivers with Bad Credit
$30 Monthly Impact of Bad Credit on Rates
26.09% Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in New Hampshire?

Though it's possible to get car insurance with no credit check in New Hampshire, it isn't probable. Some smaller high-risk insurers are known to pass out premiums without a credit check. But these rates are sky-high anyway.

Unless you reside in California, Hawaii, or Massachusetts, your credit scores are an open book to auto insurers. However, according to state law, insurers have to let you know when they are tapping into your scores.

New Hampshire Car Insurance Rates by Credit Tier

Excellent and good credit drivers pay about the same per month for their premiums. Noticeably, average and poor credit drivers do, too. However, this group pays roughly 38 percent more for appearing at the low end of the credit spectrum.

Credit TierAvg. Monthly Cost
Excellent$104
Good$105
Average$145
Poor$145

Car Insurance Rates With Bad Credit in New Hampshire Cities

Tips for Researching Bad Credit New Hampshire Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like New Hampshire draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

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Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

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