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Cheap Auto Insurance Quotes in Windham, NH (August 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

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.

Car Insurance in Windham, NH

The average cost of New Hampshire car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Windham, NH to find you the cheapest quotes in the area.

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

Allstate
$75
GEICO
$84
Progressive
$92
American Family
$104
Travelers
$109

Cheapest Car Insurance in Windham, NH

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in WindhamQuotes
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
Concord
$101
Dover
$101
Average for NH
$114
Manchester
$114
Windham
$122
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.

Find local Windham agents

  • Foy Insurance Group, Inc. - Windham 

    127 Rockingham Rd,
    Windham, NH 03087
  • Appletree Insurance 

    33 Indian Rock Rd Ste 5,
    Windham, NH 03087-1655
  • Stephen Mihalick: Allstate Insurance

    127 Rockingham Rd #104,
    Windham, NH 03087
  • 'Jessica O''Neill - State Farm Insurance Agent'

    29 Indian Rock Rd,
    Windham, NH 03087
  • Nastassja Martel: Allstate Insurance

    31 Lowell Rd UNIT 6,
    Windham, NH 03087
  • Peltz Financial Services

    70 Blossom Rd,
    Windham, NH 03087
  • Insurance Matters Inc

    5 Rockingham Rd,
    Windham, NH 03087
View more

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.

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.

Olivia Oksenhorn
Olivia Oksenhorn
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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.

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Sources

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