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Cheap Auto Insurance Quotes in Concord, NH (June 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Concord, NH

The average cost of New Hampshire car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Concord, NH to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Concord is $117 per month, or $1404 annually.
  • Car insurance in Concord is $16 less than the average cost of car insurance in New Hampshire.
  • The cheapest car insurance provider in Concord on average is Midvale Home & Auto, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Allstate
$62
GEICO
$75
Progressive
$80
Travelers
$89
The General
$142

Cheapest Car Insurance in Concord, NH

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in ConcordQuotes
Allstate$62 /mo
GEICO$75 /mo
Progressive$80 /mo
Travelers$89 /mo
The General$142 /mo

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Average Car Insurance Cost

New Hampshire Cities
Manchester$114/mo
Nashua$133/mo
Dover$101/mo
Rochester$116/mo
Concord$101/mo
New Hampshire$113/mo
Dover
$101
Concord
$101
Average for NH
$113
Manchester
$114
Rochester
$116
Nashua
$133
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in New Hampshire

In the state of New Hampshire, liability insurance is not mandatory. The state requires drivers to pay for any injury or property damage arising from their vehicles. To avoid legal repercussions of an unexpected accident, it is recommended that New Hampshire drivers purchase insurance just in case.

If New Hampshire[1] residents do decide to purchase car insurance, the minimum limits are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Hampshire is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $1,000 per accident for Medical Payments Coverage

Similar to PIP coverage, Medical Payments Coverage will cover the policyholder for medical payments they incur in the event of an accident..

  • $25,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In New Hampshire, your uninsured and underinsured coverage must match your current liability coverage.

Find local Concord agents

  • Blossom Ins. Agency, Inc. 

    58 South Street,
    Concord, NH 03301
  • Davis & Towle Group 

    115 Airport Rd,
    Concord, NH 03301-7300
  • The Davis Agency LLC 

    28 Commercial St,
    Concord, NH 03301-5091
  • Eames Insurance Services LLC 

    78 Airport Rd,
    Concord, NH 03302
  • The Rowley Agency, Inc. 

    45 Constitution Ave,
    Concord, NH 03301-5079
  • Reliable Insurance Solutions 

    6 Garvins Falls Rd,
    Concord, NH 03301-5177
  • 'Insurance Agents'' Services, Inc. '

    6 Garvins Falls Rd,
    Concord, NH 03301-5174
  • New Hampshire Association of Insurance Agents 

    6 Garvins Falls Rd,
    Concord, NH 03301-5174
  • AAA Northern New England

    48 Fort Eddy Rd,
    Concord, NH 03301,
  • Amica Mutual Insurance Company

    5 Chenell Dr,
    Concord, NH 03301
View more

FAQs - Concord, NH Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Concord Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Concord, New Hampshire below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Concord drivers measure up to their fellow motorists across New Hampshire in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

toyota

Toyota Camry

Most Popular Car in Concord

N/A

City with the Most Speeding Tickets Rank in New Hampshire

N/A

City with the Most Moving Violations Rank in New Hampshire

N/A

City with the Most DUIs Rank in New Hampshire

N/A

City with the Most Suspended Licenses in New Hampshire

  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Concord is the Toyota Camry.

  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Concord drivers rank in the number of DUI’s per driver across all cities in New Hampshire.

    • Rank within state: N/A
    • Percent of drivers in Concord with a DUI: N/A
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Hampshire, Concord drivers rank in the number of speeding infractions per driver.

    • Rank within state: N/A
    • Percent of drivers in Concord with a speeding ticket: N/A
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. New Hampshire Insurance Department. "State Minimum Car Insurance Requirements." Accessed May 28, 2022