Concord Car Insurance

How much does car insurance cost in Concord, NH? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Concord?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in New Hampshire has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Concord typically pay around $126.06 per month compared to the national average of $167.22 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.22
New Hampshire $119.43
Concord, New Hampshire $126.06

Concord, NH Best Car Insurance Companies

car insurance in Concord

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Concord coming in around $78.31 per month. Other companies to consider if you live in Concord is Safeco with an average cost of $91.37 per month and Concord Group which typically runs around $92.62 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Concord.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $78.31-34.43%
2 Safeco $91.37-23.49%
3 Concord Group $92.62-22.44%
4 MMG Insurance Company $96.02-19.60%
5 Encompass $112.61-5.71%
6 Nationwide $119.770.29%
7 Safety Group $124.694.41%
8 Vermont Mutual $130.469.24%
9 Metropolitan $147.5823.57%
10 Patriot Group $148.3124.19%

How Much is Car Insurance in Concord, NH?

how much is auto insurance in Concord

Rates can vary from city to city. The residents of Chester typically pay $120.46 per month while people who live in Concord will pay $126.06 per month on average. See what people pay for car insurance in other cities in New Hampshire.

New Hampshire CitiesMonthly Average Rate
Concord $126.06
Laconia $127.75
Manchester $146.71
Nashua $113.08

Cheap Car Insurance in Concord by Zip Codes

find cheap auto insurance in Concord

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of New Hampshire. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Concord, NH ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Concord

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $328.30 per month in Concord. Compare that to drivers in their 30’s who typically pay around $67.41 per month drivers in their 40s at $105.97 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Concord

If you are teen in Concord you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Concord Group typically charges around $102.90 per month. This is likely the most affordable option in Concord. You might also want to consider State Farm and MMG Insurance Company who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Concord Group$102.90
State Farm$108.36
MMG Insurance Company$126.82
Safety Group$171.13

Cheapest Insurance for 20 Year-olds in Concord

20 year-olds in Concord might want to consider State Farm who, on average, offers car insurance rates around $101.86 per month. Safeco , Concord Group , MMG Insurance Company and Encompass are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$101.86
Concord Group$120.12
MMG Insurance Company$128.79

Cheapest Insurance for 30 Year-olds in Concord

If you are in your 30s in Concord our research has found that State Farm typically has the most affordable coverage coming in around $58.23 per month, followed by Liberty Mutual at $60.00 and MMG Insurance Company at $75.48.

CompanyAverage Monthly Rate
State Farm$58.23
Liberty Mutual$60.00
MMG Insurance Company$75.48
Concord Group$77.09
Vermont Mutual$87.10

Cheapest Insurance for 40 Year-olds in Concord

On average, State Farm offers car insurance for 40 year-olds in Concord for around $60.88 per month. If you are looking for affordable coverage, you may also want to consider MMG Insurance Company or Safety Group. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$60.88
MMG Insurance Company$65.06
Safety Group$70.31
Concord Group$70.77

Cheapest Insurance for 50 Year-olds in Concord

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Concord we found that Safeco generally offers the most affordable coverage at $56.30 per month.

CompanyAverage Monthly Rate
State Farm$72.87
MMG Insurance Company$76.85
Safety Group$78.31
Commerce Group Inc$80.28

Cheapest Insurance for 60 Year-olds in Concord

If you live in Concord and you’re in your 60s, our data indicates that State Farm usually has the best rates at $41.48 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$41.48
MMG Insurance Company$51.78
Safety Group$56.53
Vermont Mutual$60.62
Concord Group$62.67

Driver's Coverage Auto Insurance Rates in Concord, NH

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Concord, the average monthly rate for a driver who is currently insured is $113.28 while drivers who are not currently covered will pay around $149.88.

CoverageAverage Monthly Rate
Not Currently Insured $149.88
Currently Insured $113.28

Compare Recent Car Insurance Quotes in Concord

auto insurance quotes in Concord city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Concord a driver of a 2015 Honda Civic can expect to pay around $170.58 per month while someone that owns a 2014 Kia Sorento may pay around $154.94 per month. Check out the list of recent quotes in Concord below.

VehicleAverage Monthly Rate
2015 Honda Civic$170.58
2014 Kia Sorento$154.94
2015 Hyundai Santa Fe Sport$75.98
2014 Volkswagen CC$123.53

FAQ's for Drivers in Concord, NH

driver’s frequently asked question in Concord

What Is the Minimum Liability Coverage Requirement in Concord, NH?

Many motorists think auto insurance is an unnecessary expense because they’ve never benefited from it. But you can’t predict the future and you can’t control other drivers on the road. There’s no way to know if or when you’ll be involved in a crash, how much damage will result, or whether the other driver will have insurance. Obtaining auto insurance protects you, your family, your car, and your financial well-being.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

New Hampshire motor vehicle laws don’t require residents to carry auto insurance, as long as you can show the ability to provide sufficient funds to meet the state’s Motor Vehicle Financial Responsibility Requirements in the event of an “at fault” accident. If this financial responsibility cannot be met, your driving privileges may be suspended. However, it’s a good idea to carry auto insurance to protect yourself in case of an accident.

What Is the Blood Alcohol Concentration (BAC) limit in Concord, NH?

It’s illegal for individuals to operate a vehicle in New Hampshire with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

If your BAC is 0.16% or higher in New Hampshire, you can be charged with aggravated DUI and face greater penalties, including longer jail time.

What happens if my coverage lapses?

Insurance coverage is not mandatory in New Hampshire and therefore there is no penalty for a lapse in coverage. If you’re involved in an accident, are uninsured, and are unable to meet your financial responsibilities associated with the collision, there are serious consequences.


Commute Time in Concord, NH

21.7 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Concord, NH


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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