We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Goffstown shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Goffstown
The car insurance rate in Goffstown is $676 for a six-month policy, which is $67 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $350, making it a popular choice for budget-conscious drivers. Rates in Goffstown 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.
At $350 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 $350 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 $350
for six months, making it
the third cheapest auto insurance company in Goffstown.
Goffstown Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Goffstown, NH is Hanover, offering policies at just $350 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $350.
At the higher end of the spectrum, The Hanover is the most expensive, with rates reaching $1002 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Goffstown drivers find the best deals.
Way's key takeaways about car insurance in Goffstown
The auto insurance costs in Goffstown fall around $350 for six
months.
The cheapest auto insurance company in Goffstown is Hanover.
Teen drivers pay the highest rate in Goffstown at $400 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Goffstown
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 Goffstown are given below.
Hanover provides
the cheapest minimum car insurance
coverage in Goffstown. Their Average 6 Month Premium is $112.
Allstate is the most
expensive at $521 for the same
period.
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 Goffstown is Hanover
at $59 per month and $350
for six months.
Cheapest Full Coverage Car Insurance Quotes in Goffstown,
NH
Get Your Car Insurance Quote in Goffstown
Instantly!
Average Car Insurance in Goffstown 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 Goffstown, NH increasing?
Despite maintaining a clean driving record, your car insurance rates
in Goffstown, 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, Goffstown's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Goffstown
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Goffstown,NH
If you are planning to get a car insurance policy for your teenage
dependent, Concord Group provides the cheapest car
insurance in the Goffstown at $48
per
month. At $2400 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Goffstown.
As young drivers face the highest rates in Goffstown, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Goffstown,
Vermont Mutual is
the cheapest car insurance provider. At $184 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
Goffstown is State Farm, offering
rates of around $2677 for six
months.
Save up to $971/yr on car insurance rates in Goffstown.
Car Insurance Rates with An Accident in Goffstown
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 Goffstown, NH,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Goffstown
The cheapest car insurance companies after an at-fault accident in
Goffstown include Vermont Mutual
and MMG, offering $184
and $224,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1913.
Here is a list of driving violations that can increase your car
insurance rates in Goffstown NH. For example, the car
insurance in Goffstown
after a DUI increases to $659 for a six
month policy. While the rate increases by $119 for a six-month policy in the case of
a speeding ticket.
Goffstown auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$785
$131
Not-at-fault accident
$785
$133
One Med/PIP claim
$785
$131
One comp claim
$805
$137
Two Med/PIP claims
$805
$134
Two comp claims
$818
$139
Failure to show documents
$870
$145
Failure to wear a seat belt
$870
$148
At-fault accident - less than $1000
$884
$148
Child safety restraint
$884
$150
Driving without lights
$884
$148
Driving with expired registration
$904
$153
Speeding 11 - 15 MPH over limit
$904
$151
Speeding 16 - 20 MPH over limit
$904
$153
Speeding 6 - 10 MPH over limit
$904
$151
Driving too slowly
$910
$154
Failure to stop at a red light
$910
$152
Failure to yield
$910
$154
Following too closely
$910
$152
Illegal turn
$910
$154
In 65 MPH zone
$910
$152
Speeding in school zone
$910
$154
Wrong way/wrong lane
$910
$152
Speeding 21 - 25 MPH over limit
$930
$158
Improper passing
$936
$157
Cell phone violation
$989
$169
Texting while driving
$989
$165
At-fault accident - $1000-$2000
$1016
$173
Passing school bus
$1042
$173
Open container
$1088
$185
At-fault accident - greater than $2000
$1134
$189
Operating a vehicle without permission
$1200
$204
Racing
$1352
$225
Reckless driving
$1397
$238
Driving with a suspended license
$1431
$239
DUI
$1444
$245
Refusal to submit to a chemical test
$1444
$241
Leaving scene of an accident/hit and run
$1477
$251
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Goffstown 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 Goffstown.
The cheapest car insurance premiums in
Goffstown are
offered by MAPFRE at $264 for a six-month policy.
However, it can be as
expensive as $2565 with companies
like Encompass.
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 Goffstown are offered by Safety Group
at $191. However,
it can be as expensive as $1477
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Goffstown after Speeding ticket
Car Insurance Price Trends in Goffstown,
New Hampshire
Car insurance rates in Goffstown have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Goffstown remained steady at $125 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Goffstown remained steady at $39 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Goffstown by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Goffstown. At $1351 for a
six-month policy, insuring
your car at 3045 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Goffstown?
The car insurance in Goffstown is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Goffstown?
The cheapest car insurance in Goffstown
is $59 per month
for full coverage.
How much is car insurance in Goffstown for teenagers?
Car insurance for teenagers costs $283 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
Goffstown?
The average cost of car insurance is $609 for a six-month
policy. It will cost around $113 per month to insure your
car in Goffstown.
Is car insurance expensive in Goffstown?
Car insurance can be expensive in Goffstown if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Goffstown can be
affordable.
What is the best car insurance in Goffstown,
NH?
The best car insurance company in Goffstown
NH is
Hanover, offering $350 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Goffstown right now.
Find Car Insurance Rates in Cities Near Goffstown, NH
Car Insurance Rates by State in the USA (2025 Update)
Goffstown Car Insurance
