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Cheap Auto Insurance Quotes in Nashua, NH (May 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

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Quick Facts

  • The average cost of car insurance in Nashua is $147 per month, or $1764 annually.
  • Car insurance in Nashua is $14 more than the average cost of car insurance in New Hampshire.
  • The cheapest car insurance provider in Nashua on average is Midvale Home & Auto, but you should always compare quotes to find your best personal rate.

Car Insurance in Nashua, NH

New Hampshire is one of the two states in the U.S. that does not require car insurance. However, it’s highly recommended that residents of Nashua and other New Hampshire cities purchase a car insurance policy to avoid legal repercussions of an unexpected accident or ending up with unaffordable bills.

While the average rate of car insurance in New Hampshire is lower than the national average, costing drivers $134 per month, cheaper car insurance is available to Nashua residents if they know where to look. With Insurify, you can compare customized car insurance quotes from national providers like Progressive and Geico in one spot. It’s free and takes only a few minutes!

Average premiums are low overall in New Hampshire, but rates vary from city to city and even between neighborhoods. Here’s what residents pay, on average, in each major city in New Hampshire so you can see how Nashua compares to the rest of the state.

Quotes by Top Companies

Midvale Home & Auto
Liberty Mutual

Cheapest Car Insurance in Nashua, NH

Some insurance companies in Nashua will be able to offer cheaper auto insurance rates than others. The following companies offer the cheapest premiums on average, but your individual rate may vary. To find the cheapest car insurance company for you, it’s best to compare coverage options and customized quotes with Insurify.

Insurance Provider in NashuaQuotes
Travelers$97 /mo
Midvale Home & Auto$107 /mo
Safeco$148 /mo
Liberty Mutual$178 /mo

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Best Car Insurance in Nashua, NH

The cost of car insurance isn’t the only factor to consider when choosing an insurance provider, and sometimes the insurance coverage with the lowest premium and the highest deductible might not be the best policy out there. You’ll also want to consider the types of auto insurance coverage, discounts offered, financial strength of the company, and customer reviews.

We evaluated a variety of data to determine the best car insurance companies in Nashua. See our results below.

Best CompaniesScoreQuotes
Safeco86$148 /mo
Liberty Mutual82$178 /mo
Travelers80$97 /mo

Average Car Insurance Cost

New Hampshire Cities
New Hampshire$113/mo
Average for NH
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in NH

In the state of New Hampshire, car 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.

New Hampshire's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $25,000 uninsured/underinsured motorist property damage coverage
  • $1,000 medical payments coverage

Nashua Car Insurance Rates by Driver Age

Car insurance rates are largely dependent on age. That’s because teens and other young drivers are more likely to get into car accidents due to their inexperience behind the wheel. In fact, teen drivers are almost three times as likely as drivers over 20 years-old to be in a deadly crash. Below are the rates you can expect in New Hampshire based on your age bracket.

Driver's AgeAvg. Monthly Cost

Nashua Car Insurance Rates by Driving and Accident History

Insurance companies view drivers with infractions on their driving records as a greater risk to insure. That’s why you’ll pay more for car insurance if you have speeding tickets, DUIs, or accidents in your driving history. Here’s what drivers with these issues pay on average for car insurance when compared to drivers with a clean driving record in New Hampshire.

Driving HistoryAvg. Monthly Cost
No Violation$115
Speeding Ticket$184
At-Fault Accident$170

Nashua Car Insurance Rates by Credit Tier

About 95 percent of insurers use your credit score, which is based on information in your credit report, when determining your rate. If you have excellent credit, you’ll pay less for car insurance than someone with bad credit. Here’s what you can expect to pay for car insurance in New Hampshire, based on your credit score:

Credit TierAvg. Monthly Cost

Find local Nashua agents

  • Foy Insurance Group, Inc. - Nashua 

    350 Main Street,
    Nashua , NH 03060
  • Mallard Insurance 

    5 Coliseum Ave Ste 303,
    Nashua, NH 03063
  • Eaton & Berube Insurance Agency, Inc. 

    11 Concord St ,
    Nashua, NH 03064
  • J. Bergeron Agency, LLC 

    361 Main Street,
    Nashua, NH 03060
  • Corriveau Ins Agcy Inc 

    115 Main St,
    Ste 6, Nashua, NH 03060-2710
  • Foy Insurance - Latvis 

    350 Main St,
    Nashua, NH 03060-4664
  • Atlantic Insurance & Benefit Company 

    375 Main Street,
    Nashua, NH 03060
  • J. Conrad Coffey Ins Agcy 

    2 Wellman Ave,
    Nashua, NH 03064-1463
  • Foy Insurance - Nashua 

    350 Main St,
    Nashua, NH 03060
  • Eaton & Berube Insurance Agency, LLC 

    11 Concord St,
    Nashua, NH 03064
View more

Nashua DMV Information

Nashua is home to one Department of Motor Vehicles office, which is open from 8:00 a.m. to 4:30 p.m. on weekdays. You can visit the DMV by making an appointment, but some select services are available online. The Nashua DMV Office is located at:
110 Broad St
Nashua, NH 03064
(603) 227-4000

Public Transportation in Nashua

Nashua has plenty of public transportation options available. The Nashua Transit System (NTS) has bus routes all over the state connecting Nashua residents to cities such as Amherst, New Hampshire as well as bus routes around the city.

Right across the border from Massachusetts, Nashua has public transportation options to get commuters to cities across state lines such as Merrimack and Boston. Uber and Lyft are also available for commuters who prefer a bit more privacy on their ride.

How to Get the Cheapest Car Insurance in Nashua

The easiest way to find cheap car insurance in Nashua is to compare customized car insurance quotes with Insurify. With Insurify, you can compare quotes from multiple providers side-by-side to find the best auto insurance policy for you. The best part? You don’t have to call multiple insurance agents to find the cheapest rate because it’s all in one place.

With Insurify, you’ll just need to answer a few questions about your vehicle and driving history to get started. From there, you can view quotes from national providers such as Allstate and State Farm insurance as well as local insurance companies all in one spot. You can also use Insurify to shop for home insurance and life insurance.

Green Driving in Nashua NH

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint.

The state of New Hampshire offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Insurify's Greenest Cities


4%% of Hybrids / Electrics

FAQs - Nashua, NH Car Insurance

  • Tired of calling around from insurance agency to insurance agency to find quotes? You can use Insurify to identify the car insurance companies that can offer you the cheapest premiums in Nashua. Another great way to save on insurance premiums is to bundle your homeowners or renters insurance with your auto insurance policy.

  • Car insurance in Nashua costs an average of $124 per month, but individual rates will vary based on the driver’s address, age, gender, and driving history. That’s why it’s important to get free quotes from multiple insurers before making your selection. Insurify makes it super easy to collect quotes in one spot without having to call a local agent.

  • Car insurance in Nashua is relatively inexpensive compared to auto insurance across the nation, but young drivers will pay more for car insurance in Nashua, as will drivers with accidents and tickets on their records. People who want a full-coverage policy will also pay significantly more for car insurance than those who opt for state minimum coverage.

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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 Nashua 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 Nashua, New Hampshire below:


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 Nashua 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.


Honda Accord

Most Popular Car in Nashua


City with the Most Speeding Tickets Rank in New Hampshire


City with the Most Moving Violations Rank in New Hampshire


City with the Most DUIs Rank in New Hampshire


City with the Most Suspended Licenses in New Hampshire

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Nashua drivers rank 2 in the number of car accidents per driver across all cities in New Hampshire.

    • Rank within state: #2
    • Percent of drivers in Nashua with an accident: 13.19%
    • Drivers in Nashua, NH with an accident in their driving history pay on average 24.8% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Hampshire, Nashua drivers rank 2 in the number of speeding infractions per driver.

    • Rank within state: #2
    • Percent of drivers in Nashua with a speeding ticket: 9.16%
    • Drivers in Nashua, NH with a speeding ticket in their driving history pay on average 23.2% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Nashua drivers rank 2 in the number of DUI’s per driver across all cities in New Hampshire.

    • Rank within state: #2
    • Percent of drivers in Nashua with a DUI: 1.47%
    • Drivers in Nashua, NH with a DUI in their driving history pay on average 0% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Nashua is the Honda Accord.

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

Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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