4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Nashua, NH (September 2022)

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

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.

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.
Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka

Updated February 4, 2022

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.

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.

Quotes by Top Companies

Travelers
$97
Midvale Home & Auto
$107
Safeco
$148
Liberty Mutual
$178

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 NashuaQuotesThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Travelers$97 /mo
Midvale Home & Auto$107 /mo
Safeco$148 /mo
Liberty Mutual$178 /mo

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

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 CompaniesScoreThe Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor's, Moody's, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews.QuotesThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Safeco86$148 /mo
Liberty Mutual82$178 /mo
Travelers80$97 /mo

Average Car Insurance Cost

New Hampshire Cities
Manchester$114/mo
Concord$101/mo
Dover$101/mo
Rochester$116/mo
Nashua$133/mo
New Hampshire$113/mo
Concord
$101
Dover
$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.

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 CostThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Teens$317
20s$149
30s$109
40s$104
50s$87
60s$82
70s$91
80s$104

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 CostThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$115
Speeding Ticket$184
At-Fault Accident$170
DUI$228

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 CostThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$99
Good$106
Average$123
Bad$153

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.

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.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

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:

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 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

Honda Accord

Most Popular Car in Nashua

#2

City with the Most Speeding Tickets Rank in New Hampshire

#1

City with the Most Moving Violations Rank in New Hampshire

#4

City with the Most DUIs Rank in New Hampshire

#2

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 1 in the number of car accidents per driver across all cities in New Hampshire.

    • Rank within state: #1
    • Percent of drivers in Nashua with an accident: 14%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Nashua drivers rank 4 in the number of DUI’s per driver across all cities in New Hampshire.

    • Rank within state: #4
    • Percent of drivers in Nashua with a DUI: 1.2%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New Hampshire, Nashua drivers rank 2 in the number of reckless driving offenses per driver.

    • Rank within state: #2
    • Percent of drivers in Nashua with a reckless driving offense: 1.6%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New Hampshire, Nashua drivers rank 1 in rude driving infractions.

    • Rank within state: #1
    • Percent of drivers in Nashua with a reckless driving violation: 2.2%
  • 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: 7.5%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Nashua drivers rank 6 in clean driving records across all cities in New Hampshire.

    • Rank within state: #6
    • Percent of drivers in Nashua with clean record: 75.1%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Nashua drivers rank 3 in hybrid and electric vehicle ownership across all cities in New Hampshire.

    • Rank within state: #3
    • Percent of drivers in Nashua with a hybrid/electric vehicle: 1.25%
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
Linkedin

Insurance Writer

Olivia Oksenhorn is an insurance writer 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.

Learn More

Sources

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