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Finding the cheapest car insurance quotes in Hampton 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 Hampton
The car insurance rate in Hampton is $627 for a six-month policy, which is $18 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $324, making it a popular choice for budget-conscious drivers. Rates in Hampton 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 $324 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 $324 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 $324
for six months, making it
the third cheapest auto insurance company in Hampton.
Hampton Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hampton, NH is Hanover, offering policies at just $324 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $324.
At the higher end of the spectrum, The Hanover is the most expensive, with rates reaching $930 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hampton drivers find the best deals.
Way's key takeaways about car insurance in Hampton
The auto insurance costs in Hampton fall around $324 for six
months.
The cheapest auto insurance company in Hampton is Hanover.
Teen drivers pay the highest rate in Hampton at $371 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Hampton
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 Hampton are given below.
Hanover provides
the cheapest minimum car insurance
coverage in Hampton. Their Average 6 Month Premium is $104.
Allstate is the most
expensive at $483 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 Hampton is Hanover
at $55 per month and $324
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hampton,
NH
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Average Car Insurance in Hampton 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 Hampton, NH increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hampton, 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, Hampton's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hampton
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
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Cheapest Car Insurance Rates for Teen Drivers in
Hampton,NH
If you are planning to get a car insurance policy for your teenage
dependent, Concord Group provides the cheapest car
insurance in the Hampton at $44
per
month. At $2227 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 Hampton.
As young drivers face the highest rates in Hampton, 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 Hampton,
Vermont Mutual is
the cheapest car insurance provider. At $171 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
Hampton is State Farm, offering
rates of around $2484 for six
months.
Save up to $971/yr on car insurance rates in Hampton.
Car Insurance Rates with An Accident in Hampton
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 Hampton, NH,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hampton
The cheapest car insurance companies after an at-fault accident in
Hampton include Vermont Mutual
and MMG, offering $171
and $208,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1775.
Here is a list of driving violations that can increase your car
insurance rates in Hampton NH. For example, the car
insurance in Hampton
after a DUI increases to $612 for a six
month policy. While the rate increases by $110 for a six-month policy in the case of
a speeding ticket.
Hampton auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$728
$122
Not-at-fault accident
$728
$124
One Med/PIP claim
$728
$122
One comp claim
$747
$127
Two Med/PIP claims
$747
$125
Two comp claims
$759
$129
Failure to show documents
$808
$135
Failure to wear a seat belt
$808
$137
At-fault accident - less than $1000
$820
$137
Child safety restraint
$820
$139
Driving without lights
$820
$137
Driving with expired registration
$838
$142
Speeding 11 - 15 MPH over limit
$838
$140
Speeding 16 - 20 MPH over limit
$838
$142
Speeding 6 - 10 MPH over limit
$838
$140
Driving too slowly
$845
$143
Failure to stop at a red light
$845
$141
Failure to yield
$845
$143
Following too closely
$845
$141
Illegal turn
$845
$143
In 65 MPH zone
$845
$141
Speeding in school zone
$845
$143
Wrong way/wrong lane
$845
$141
Speeding 21 - 25 MPH over limit
$863
$146
Improper passing
$868
$145
Cell phone violation
$918
$157
Texting while driving
$918
$153
At-fault accident - $1000-$2000
$942
$161
Passing school bus
$967
$161
Open container
$1009
$172
At-fault accident - greater than $2000
$1053
$175
Operating a vehicle without permission
$1113
$190
Racing
$1255
$209
Reckless driving
$1297
$220
Driving with a suspended license
$1328
$221
DUI
$1340
$228
Refusal to submit to a chemical test
$1340
$224
Leaving scene of an accident/hit and run
$1371
$233
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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 Hampton 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 Hampton.
The cheapest car insurance premiums in
Hampton are
offered by MAPFRE at $245 for a six-month policy.
However, it can be as
expensive as $2380 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 Hampton are offered by Safety Group
at $177. However,
it can be as expensive as $1371
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Hampton after Speeding ticket
Car Insurance Price Trends in Hampton,
New Hampshire
Car insurance rates in Hampton have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hampton remained steady at $116 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Hampton remained steady at $36 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Hampton. At $1254 for a
six-month policy, insuring
your car at 3842 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Hampton?
The car insurance in Hampton is $18 per month, which is lower than the national average.
What is the cheapest car insurance in Hampton?
The cheapest car insurance in Hampton
is $55 per month
for full coverage.
How much is car insurance in Hampton for teenagers?
Car insurance for teenagers costs $263 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
Hampton?
The average cost of car insurance is $609 for a six-month
policy. It will cost around $105 per month to insure your
car in Hampton.
Is car insurance expensive in Hampton?
Car insurance can be expensive in Hampton if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hampton can be
affordable.
What is the best car insurance in Hampton,
NH?
The best car insurance company in Hampton
NH is
Hanover, offering $324 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Hampton, NH
Car Insurance Rates by State in the USA (2025 Update)
Hampton Car Insurance
