Cheap Car Insurance for High-Risk Drivers in New Hampshire:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in New Hampshire (2021)

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.

CarrierAvg. Monthly Cost
travelers

Travelers

$112/mo
the-general

The General

$139/mo
american-family

American Family Insurance

$145/mo
safeco

Safeco Insurance

$167/mo
liberty-mutual

Liberty Mutual

$180/mo

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
Average Monthly Cost
$118
No Violation
$157
Speeding Ticket
$152
At-Fault Accident
$154
Reckless Driving
$142
Failure to Stop for Red Light / Stop Sign
Driving History

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 for Red Light / Stop Sign$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:

$118
No Violation - Avg. Monthly Rate
$157
Speeding ticket - Avg. Monthly Rate
$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:

$118
No Violation - Avg. Monthly Rate
$152
Speeding ticket - Avg. Monthly Rate
$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:

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

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.

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