Concord Car Insurance

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 $92.35 per month compared to the national average of $146.47 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.

Concord, NH Best Car Insurance Companies

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 $68.39 per month. Other companies to consider if you live in Concord is Concord Group with an average cost of $76.57 per month and SAFECO which typically runs around $77.51 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Concord.

How Much is Car Insurance in Concord, NH?

Rates can vary from city to city. The residents of Concord typically pay $92.35 per month while people who live in Deerfield will pay $108.37 per month on average. See what people pay for car insurance in other cities in New Hampshire.

Cheap Car Insurance in Concord by Zip Codes

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.

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 $290.65 per month in Concord. Compare that to drivers in their 30’s who typically pay around $73.52 per month drivers in their 40s at $76.33 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.

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.

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 $97.44 per month. Concord Group , Safeco , MMG Insurance Company and Encompass are also in the top 5 cheapest rates available.

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 $58.34 per month, followed by Concord Group at $67.35 and MMG Insurance Company at $75.33.

Cheapest Insurance for 40 Year-olds in Concord

On average, Concord Group offers car insurance for 40 year-olds in Concord for around $55.58 per month. If you are looking for affordable coverage, you may also want to consider State Farm or MMG Insurance Company. The full list of top companies is below.

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 State Farm generally offers the most affordable coverage at $59.16 per month.

Cheapest Insurance for 60 Year-olds in Concord

If you live in Concord and you’re in your 60s, our data indicates that Safeco usually has the best rates at $30.49 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Concord, NH

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 $86.51 while drivers who are not currently covered will pay around $102.12.

Compare Recent Car Insurance Quotes in Concord

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.

FAQ's for Drivers in Concord, NH

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.