Cheapest Car Insurance Quotes in Center Sandwich

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Center Sandwich Car Insurance

^$ 17

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Center Sandwich

The car insurance rate in Center Sandwich is $601 for a six-month policy, which is $12 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $297, making it a popular choice for budget-conscious drivers. Rates in Center Sandwich can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Center Sandwich

$601

Avg. Car Insurance in New Hampshire

$613

National Average

$1278

Cheapest Car Insurance Companies in Center Sandwich

1st place: Hanover

At $297 for a six month policy, Hanover offers the cheapest auto insurance rates in the city.

2nd place: Safety Group

Safety Group offers auto insurance rates at $309 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $309 for six months, making it the third cheapest auto insurance company in Center Sandwich.

Center Sandwich Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Center Sandwich, NH is Hanover, offering policies at just $297 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $309.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1152 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Center Sandwich drivers find the best deals.

Cheap Car Insurance Companies in Center Sandwich, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$297	$50
Safety Group	$309	$51
Vermont Mutual	$309	$53
MAPFRE	$326	$54
Concord Group	$361	$62
Encompass	$489	$81
USAA	$541	$91
Safety	$669	$113
Auto-Owners	$675	$115
Nationwide	$687	$116
MMG	$728	$123
Concord	$762	$127
Progressive	$844	$142
State Farm	$867	$146
Allstate	$1152	$194

Key Takeaways

Way's key takeaways about car insurance in Center Sandwich

The auto insurance costs in Center Sandwich fall around $297 for six months.
The cheapest auto insurance company in Center Sandwich is Hanover.
Teen drivers pay the highest rate in Center Sandwich at $417 per month.

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Cheapest Minimum Liability Car Insurance in Center Sandwich

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Center Sandwich are given below.

Hanover provides the cheapest minimum car insurance coverage in Center Sandwich. Their Average 6 Month Premium is $99. Allstate is the most expensive at $425 for the same period.

Cheapest Liability Coverage in Center Sandwich, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$99	$17
The Hanover	$128	$22
Safety Group	$140	$24
Vermont Mutual	$140	$24
MAPFRE	$157	$26
Concord Group	$169	$28
Encompass	$169	$28
USAA	$169	$28
Auto-Owners	$174	$29
MMG	$186	$31
Safety	$210	$35
Progressive	$256	$43
Concord	$332	$55
State Farm	$338	$57
Nationwide	$384	$64
Allstate	$425	$72

Cheapest Full Coverage Car Insurance in Center Sandwich

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Center Sandwich is Hanover at $50 per month and $297 for six months.

Cheapest Full Coverage Car Insurance Quotes in Center Sandwich, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$297	$50
Safety Group	$309	$51
Vermont Mutual	$309	$53
MAPFRE	$326	$54
Concord Group	$361	$62
Encompass	$489	$81
USAA	$541	$91
Safety	$669	$113
Auto-Owners	$675	$115
Nationwide	$687	$116
MMG	$728	$123
Concord	$762	$127
Progressive	$844	$142
State Farm	$867	$146
Allstate	$1152	$194

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Average Car Insurance in Center Sandwich by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Center Sandwich, NH increasing?

Despite maintaining a clean driving record, your car insurance rates in Center Sandwich, New Hampshire, may be increasing due to several external factors. New Hampshire has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Center Sandwich's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Center Sandwich

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Center Sandwich,NH

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Center Sandwich at $23 per month. At $2457 for a six-month premium, Safety offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$134	$23
Concord Group	$250	$42
Auto-Owners	$256	$43
Safety Group	$256	$43
Vermont Mutual	$268	$45
MMG	$798	$134
USAA	$1240	$209
Concord	$1479	$252
State Farm	$1531	$258
Allstate	$2002	$340
Progressive	$2194	$369
Safety	$2457	$417

Teen Car Insurance Rates in NH by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Center Sandwich, Hanover is the cheapest car insurance provider. At $93 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Center Sandwich is State Farm, offering rates of around $3778 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$93	$16
Vermont Mutual	$163	$27
Safety Group	$169	$28
MAPFRE	$198	$33
Concord Group	$250	$42
Progressive	$903	$152
Safety	$1024	$171
Concord	$1112	$189
USAA	$1205	$201
Allstate	$1491	$254
MMG	$1671	$278
State Farm	$3778	$642

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Car Insurance Rates with An Accident in Center Sandwich

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Center Sandwich, NH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Center Sandwich

The cheapest car insurance companies after an at-fault accident in Center Sandwich include Vermont Mutual and MAPFRE, offering $163 and $210, respectively. Allstate is an expensive provider with an average six-month premium of $1776.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$163	$27
MAPFRE	$210	$35
The Hanover	$210	$35
Concord Group	$244	$41
Auto-Owners	$297	$49
Hanover	$303	$51
USAA	$495	$83
MMG	$501	$84
Encompass	$728	$122
Progressive	$996	$168
State Farm	$1002	$169
Nationwide	$1077	$183
Concord	$1170	$195
Safety	$1200	$204
Allstate	$1776	$299

Center Sandwich Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Center Sandwich NH. For example, the car insurance in Center Sandwich after a DUI increases to $582 for a six month policy. While the rate increases by $105 for a six-month policy in the case of a speeding ticket.

Center Sandwich auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$693	$116
Not-at-fault accident	$693	$118
One Med/PIP claim	$693	$116
One comp claim	$711	$121
Two Med/PIP claims	$711	$119
Two comp claims	$722	$123
Failure to show documents	$768	$128
Failure to wear a seat belt	$768	$130
At-fault accident - less than $1000	$780	$130
Child safety restraint	$780	$132
Driving without lights	$780	$130
Driving with expired registration	$798	$135
Speeding 11 - 15 MPH over limit	$798	$133
Speeding 16 - 20 MPH over limit	$798	$135
Speeding 6 - 10 MPH over limit	$798	$133
Driving too slowly	$804	$136
Failure to stop at a red light	$804	$134
Failure to yield	$804	$136
Following too closely	$804	$134
Illegal turn	$804	$136
In 65 MPH zone	$804	$134
Speeding in school zone	$804	$136
Wrong way/wrong lane	$804	$134
Speeding 21 - 25 MPH over limit	$821	$139
Improper passing	$826	$138
Cell phone violation	$873	$149
Texting while driving	$873	$146
At-fault accident - $1000-$2000	$897	$153
Passing school bus	$920	$153
Open container	$960	$164
At-fault accident - greater than $2000	$1002	$167
Operating a vehicle without permission	$1059	$180
Racing	$1194	$199
Reckless driving	$1234	$210
Driving with a suspended license	$1263	$211
DUI	$1275	$217
Refusal to submit to a chemical test	$1275	$213
Leaving scene of an accident/hit and run	$1304	$221

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Center Sandwich after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Center Sandwich.

The cheapest car insurance premiums in Center Sandwich are offered by MAPFRE at $233 for a six-month policy. However, it can be as expensive as $2265 with companies like Encompass.

Center Sandwich car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$233	$39
Hanover	$285	$48
Concord Group	$297	$51
Auto-Owners	$338	$56
Progressive	$623	$105
MMG	$762	$128
USAA	$792	$133
Allstate	$1152	$194
Safety	$1339	$227
Concord	$1345	$224
Nationwide	$1438	$244
State Farm	$1491	$251
Encompass	$2265	$385

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Center Sandwich are offered by Hanover at $111. However, it can be as expensive as $1350 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Center Sandwich after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$111	$19
Safety Group	$169	$28
Concord Group	$192	$32
MAPFRE	$210	$35
Vermont Mutual	$221	$37
Safety	$606	$103
USAA	$699	$117
State Farm	$826	$140
Concord	$1030	$172
MMG	$1054	$179
Allstate	$1304	$218
Progressive	$1350	$229

Car Insurance Price Trends in Center Sandwich, New Hampshire

Car insurance rates in Center Sandwich have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Center Sandwich rose by $134 in January compared to $111 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Center Sandwich rose to $36 in January, compared to $34 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Center Sandwich?

The car insurance in Center Sandwich is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Center Sandwich?

The cheapest car insurance in Center Sandwich is $50 per month for full coverage.

How much is car insurance in Center Sandwich for teenagers?

Car insurance for teenagers costs $134 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Center Sandwich?

The average cost of car insurance is $613 for a six-month policy. It will cost around $101 per month to insure your car in Center Sandwich.

Is car insurance expensive in Center Sandwich?

Car insurance can be expensive in Center Sandwich if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Center Sandwich can be affordable.

What is the best car insurance in Center Sandwich, NH?

The best car insurance company in Center Sandwich NH is Hanover, offering $297 for a six-month policy.