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New Hampshire Car Insurance for High Risk Drivers (With Quotes)

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Insurance Companies for High Risk Drivers in New Hampshire (2022)

For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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 high-risk drivers in New Hampshire.

What Makes a Driver High-Risk in New Hampshire?

Certain risks are part of getting behind the wheel. You could experience an accident, a moving violation, or any number of unfortunate situations. And if a car insurance company looks at your driving record and feels you're likely to get in one of these situations and file a claim, they may deem you a high-risk driver—and make you pay higher rates on car insurance.

In the Granite State, any number of mistakes on the road can make you "high-risk." These include, but are not limited to, speeding, reckless driving, at-fault accidents, and DUIs. But if you fall into the high-risk category, don't lose hope: you can still find a policy suited to you as a high-risk driver.

New Hampshire Car Insurance Rates for High-Risk Drivers

No Violation
$118
Failure to Stop
$142
At-Fault Accident
$152
Reckless Driving
$154
Speeding Ticket
$157

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in New Hampshire?

When you're on the road, you always want to be careful and avoid high-risk driving behaviors. Even the one-time, instantaneous mistake of going a bit over the speed limit can lead to a ticket that stays on your record for years.

Unfortunately, that mishap on your record can lead to higher car insurance rates. For instance, New Hampshire drivers with a speeding ticket can see their rates go up by 33 percent. Here is how some high-risk driving charges can affect your car insurance rates in New Hampshire:

Driving HistoryAvg. Monthly Cost
No Violation$118
Speeding Ticket$157
At-Fault Accident$152
Reckless Driving$154
Failure to Stop$142

How Much Does a Speeding Ticket Impact Car Insurance Rates in New Hampshire?

A speeding ticket in New Hampshire can stay on your record for five years—and even raise your monthly insurance premium by nearly $40. Here are some typical rates you can expect to see if you have a speeding ticket on your record in this state:

No Violation - Avg. Monthly Rate
$118
Speeding ticket - Avg. Monthly Rate
$157
$39 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in New Hampshire?

Even the best drivers can make a mistake and find themselves in an accident. And when you find yourself at fault in an accident in New Hampshire, you'll likely see an increase in your car insurance rates—a $34 increase on average, to be exact. The table below outlines the impact of an at-fault accident in New Hampshire:

No Violation - Avg. Monthly Rate
$118
Speeding ticket - Avg. Monthly Rate
$152
$34 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in New Hampshire?

Rolling through a red light or stop sign in New Hampshire can lead to a car insurance increase of $24 per month—which adds up to nearly $300 over the course of a year. While this mistake can lead to higher rates, you can still find an affordable policy if you shop smart. Here are typical rates for New Hampshire drivers with this kind of offense on their record:

No Violation - Avg. Monthly Rate
$118
Speeding ticket - Avg. Monthly Rate
$142
$24 ▴
Avg. Monthly Rate Increase

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Does Driving With a Suspended License Impact Car Insurance Rates in New Hampshire?

Certain risks are part of getting behind the wheel. You could experience an accident, a moving violation, or any number of unfortunate situations. And if a car insurance company looks at your driving record and feels you're likely to get in one of these situations and file a claim, they may deem you a high-risk driver—and make you pay higher rates on car insurance.

In the Granite State, any number of mistakes on the road can make you "high-risk." These include, but are not limited to, speeding, reckless driving, at-fault accidents, and DUIs. But if you fall into the high-risk category, don't lose hope: you can still find a policy suited to you as a high-risk driver.

Tips for Researching High-Risk New Hampshire Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like New Hampshire draws a wide variety of choices when factoring high-risk driving insurance rates.
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

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. 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. See All Auto Insurance Companies

FAQs - New Hampshire Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county New Hampshire. Insurify analyzed the latest data for the five most populous cities in New Hampshire to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in New Hampshire and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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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.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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