Cheapest Car Insurance Quotes in Claremont

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Claremont Car Insurance

^$ 16

/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 Claremont

The car insurance rate in Claremont is $585 for a six-month policy, which is $24 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $302, making it a popular choice for budget-conscious drivers. Rates in Claremont 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 Claremont

$585

Avg. Car Insurance in New Hampshire

$609

National Average

$1140

Cheapest Car Insurance Companies in Claremont

1st place: Hanover

At $302 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 $302 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 $302 for six months, making it the third cheapest auto insurance company in Claremont.

Claremont Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Claremont, NH is Hanover, offering policies at just $302 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $302.

At the higher end of the spectrum, The Hanover is the most expensive, with rates reaching $867 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Claremont drivers find the best deals.

Cheap Car Insurance Companies in Claremont, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$302	$51
Safety Group	$302	$50
Vermont Mutual	$302	$52
MAPFRE	$320	$53
Concord Group	$353	$60
Encompass	$479	$80
USAA	$479	$81
Concord	$627	$105
Auto-Owners	$661	$112
Nationwide	$673	$113
MMG	$696	$118
Safety	$718	$120
State Farm	$718	$121
Progressive	$724	$122
Allstate	$1146	$193
The Hanover	$867	$148

Key Takeaways

Way's key takeaways about car insurance in Claremont

The auto insurance costs in Claremont fall around $302 for six months.
The cheapest auto insurance company in Claremont is Hanover.
Teen drivers pay the highest rate in Claremont at $346 per month.

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Cheapest Minimum Liability Car Insurance in Claremont

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 Claremont are given below.

Hanover provides the cheapest minimum car insurance coverage in Claremont. Their Average 6 Month Premium is $97. Allstate is the most expensive at $450 for the same period.

Cheapest Liability Coverage in Claremont, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$97	$16
The Hanover	$126	$21
Safety Group	$137	$23
Vermont Mutual	$137	$23
MMG	$143	$24
USAA	$148	$25
MAPFRE	$154	$26
Concord Group	$165	$28
Encompass	$165	$28
Auto-Owners	$171	$29
Safety	$200	$34
Progressive	$234	$39
State Farm	$274	$46
Concord	$302	$52
Nationwide	$376	$62
Allstate	$450	$76

Cheapest Full Coverage Car Insurance in Claremont

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 Claremont is Hanover at $51 per month and $302 for six months.

Cheapest Full Coverage Car Insurance Quotes in Claremont, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$302	$51
Safety Group	$302	$50
Vermont Mutual	$302	$52
MAPFRE	$320	$53
Concord Group	$353	$60
Encompass	$479	$80
USAA	$479	$81
Concord	$627	$105
Auto-Owners	$661	$112
Nationwide	$673	$113
MMG	$696	$118
Safety	$718	$120
State Farm	$718	$121
Progressive	$724	$122
Allstate	$1146	$193
The Hanover	$867	$148

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Average Car Insurance in Claremont 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 Claremont, NH increasing?

Despite maintaining a clean driving record, your car insurance rates in Claremont, 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, Claremont's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Claremont

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 Claremont,NH

If you are planning to get a car insurance policy for your teenage dependent, Concord Group provides the cheapest car insurance in the Claremont at $41 per month. At $2076 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$245	$41
Auto-Owners	$251	$42
MMG	$251	$42
Safety Group	$251	$42
Vermont Mutual	$262	$44
Hanover	$274	$46
USAA	$741	$125
State Farm	$1038	$175
Concord	$1226	$204
Progressive	$1802	$303
Allstate	$2076	$346

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 Claremont, Vermont Mutual is the cheapest car insurance provider. At $159 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 Claremont is State Farm, offering rates of around $2316 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$159	$27
Safety Group	$165	$28
MAPFRE	$194	$33
Concord Group	$245	$41
Hanover	$536	$90
Progressive	$661	$111
USAA	$679	$113
Concord	$918	$156
Allstate	$1523	$253
State Farm	$2316	$394

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Car Insurance Rates with An Accident in Claremont

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 Claremont, NH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Claremont

The cheapest car insurance companies after an at-fault accident in Claremont include Vermont Mutual and MMG, offering $159 and $194, respectively. Allstate is an expensive provider with an average six-month premium of $1654.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$159	$27
MMG	$194	$33
MAPFRE	$205	$35
The Hanover	$205	$35
Concord Group	$239	$40
Auto-Owners	$291	$50
Hanover	$342	$58
USAA	$411	$69
Encompass	$713	$119
State Farm	$832	$140
Progressive	$855	$144
Concord	$918	$156
Nationwide	$1055	$176
Allstate	$1654	$278

Claremont Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Claremont NH. For example, the car insurance in Claremont after a DUI increases to $570 for a six month policy. While the rate increases by $102 for a six-month policy in the case of a speeding ticket.

Claremont auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$679	$113
Not-at-fault accident	$679	$115
One Med/PIP claim	$679	$113
One comp claim	$696	$118
Two Med/PIP claims	$696	$116
Two comp claims	$708	$120
Failure to show documents	$753	$126
Failure to wear a seat belt	$753	$128
At-fault accident - less than $1000	$764	$128
Child safety restraint	$764	$130
Driving without lights	$764	$128
Driving with expired registration	$781	$132
Speeding 11 - 15 MPH over limit	$781	$131
Speeding 16 - 20 MPH over limit	$781	$132
Speeding 6 - 10 MPH over limit	$781	$131
Driving too slowly	$787	$133
Failure to stop at a red light	$787	$132
Failure to yield	$787	$133
Following too closely	$787	$132
Illegal turn	$787	$133
In 65 MPH zone	$787	$132
Speeding in school zone	$787	$133
Wrong way/wrong lane	$787	$132
Speeding 21 - 25 MPH over limit	$804	$136
Improper passing	$809	$135
Cell phone violation	$855	$146
Texting while driving	$855	$143
At-fault accident - $1000-$2000	$878	$150
Passing school bus	$901	$150
Open container	$941	$160
At-fault accident - greater than $2000	$981	$163
Operating a vehicle without permission	$1038	$177
Racing	$1169	$195
Reckless driving	$1209	$205
Driving with a suspended license	$1237	$206
DUI	$1249	$212
Refusal to submit to a chemical test	$1249	$208
Leaving scene of an accident/hit and run	$1278	$217

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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 Claremont 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 Claremont.

The cheapest car insurance premiums in Claremont are offered by MAPFRE at $228 for a six-month policy. However, it can be as expensive as $2219 with companies like Encompass.

Claremont car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$228	$38
MMG	$262	$44
Concord Group	$291	$48
Auto-Owners	$331	$57
Hanover	$331	$56
Progressive	$524	$88
USAA	$593	$100
Concord	$1106	$188
Allstate	$1146	$193
State Farm	$1152	$194
Nationwide	$1408	$235
Encompass	$2219	$377

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 Claremont are offered by Safety Group at $165. However, it can be as expensive as $1278 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Claremont after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$165	$28
Concord Group	$188	$32
MAPFRE	$205	$35
Vermont Mutual	$217	$36
Hanover	$262	$44
USAA	$439	$75
State Farm	$553	$92
Concord	$844	$143
Progressive	$855	$143
Allstate	$1278	$217

Car Insurance Price Trends in Claremont, New Hampshire

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

The average cost of full coverage in the Claremont remained steady at $108 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Claremont remained steady at $34 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Claremont?

The car insurance in Claremont is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Claremont?

The cheapest car insurance in Claremont is $51 per month for full coverage.

How much is car insurance in Claremont for teenagers?

Car insurance for teenagers costs $245 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 Claremont?

The average cost of car insurance is $609 for a six-month policy. It will cost around $98 per month to insure your car in Claremont.

Is car insurance expensive in Claremont?

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

What is the best car insurance in Claremont, NH?

The best car insurance company in Claremont NH is Hanover, offering $302 for a six-month policy.