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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in Windham, NH
Quick Facts
- The average cost of car insurance in Windham is $124 per month, or $1488 annually.
- Car insurance in Windham is $9 less than the average cost of car insurance in New Hampshire.
- The cheapest car insurance provider in Windham on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Cheapest Car Insurance in Windham, NH
Insurance Provider in Windham | Quotes |
---|---|
Allstate | $75 /mo |
GEICO | $84 /mo |
Progressive | $92 /mo |
American Family | $104 /mo |
Travelers | $109 /mo |
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Average Car Insurance Cost
New Hampshire Cities | |
---|---|
Manchester | $114/mo |
Nashua | $133/mo |
Concord | $101/mo |
Dover | $101/mo |
Windham | $122/mo |
New Hampshire | $114/mo |
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 Windham agents
Foy Insurance Group, Inc. - Windham
127 Rockingham Rd,
Windham, NH 03087Appletree Insurance
33 Indian Rock Rd Ste 5,
Windham, NH 03087-1655Stephen Mihalick: Allstate Insurance
127 Rockingham Rd #104,
Windham, NH 03087'Jessica O''Neill - State Farm Insurance Agent'
29 Indian Rock Rd,
Windham, NH 03087Nastassja Martel: Allstate Insurance
31 Lowell Rd UNIT 6,
Windham, NH 03087Peltz Financial Services
70 Blossom Rd,
Windham, NH 03087Insurance Matters Inc
5 Rockingham Rd,
Windham, NH 03087
FAQs - Windham, 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. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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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.
Sources
- New Hampshire Insurance Department. "State Minimum Car Insurance Requirements." Accessed May 28, 2022