Cheapest Car Insurance Quotes in Lebanon

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Lebanon 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 Lebanon

The car insurance rate in Lebanon is $579 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $299, making it a popular choice for budget-conscious drivers. Rates in Lebanon 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 Lebanon

$579

Avg. Car Insurance in New Hampshire

$609

National Average

$1140

Cheapest Car Insurance Companies in Lebanon

1st place: Hanover

At $299 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 $299 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 $299 for six months, making it the third cheapest auto insurance company in Lebanon.

Lebanon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lebanon, NH is Hanover, offering policies at just $299 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $299.

At the higher end of the spectrum, The Hanover is the most expensive, with rates reaching $858 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lebanon drivers find the best deals.

Cheap Car Insurance Companies in Lebanon, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$299	$50
Safety Group	$299	$49
Vermont Mutual	$299	$51
MAPFRE	$316	$52
Concord Group	$350	$60
Encompass	$474	$79
USAA	$474	$80
Concord	$620	$104
Auto-Owners	$655	$111
Nationwide	$666	$112
MMG	$689	$117
Safety	$711	$119
State Farm	$711	$120
Progressive	$716	$121
Allstate	$1134	$191
The Hanover	$858	$146

Key Takeaways

Way's key takeaways about car insurance in Lebanon

The auto insurance costs in Lebanon fall around $299 for six months.
The cheapest auto insurance company in Lebanon is Hanover.
Teen drivers pay the highest rate in Lebanon at $342 per month.

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Cheapest Minimum Liability Car Insurance in Lebanon

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 Lebanon are given below.

Hanover provides the cheapest minimum car insurance coverage in Lebanon. Their Average 6 Month Premium is $96. Allstate is the most expensive at $446 for the same period.

Cheapest Liability Coverage in Lebanon, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$96	$16
The Hanover	$124	$21
Safety Group	$136	$23
Vermont Mutual	$136	$23
MMG	$142	$24
USAA	$146	$25
MAPFRE	$152	$26
Concord Group	$163	$28
Encompass	$163	$28
Auto-Owners	$169	$29
Safety	$198	$33
Progressive	$232	$39
State Farm	$271	$46
Concord	$299	$51
Nationwide	$372	$62
Allstate	$446	$75

Cheapest Full Coverage Car Insurance in Lebanon

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 Lebanon is Hanover at $50 per month and $299 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lebanon, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$299	$50
Safety Group	$299	$49
Vermont Mutual	$299	$51
MAPFRE	$316	$52
Concord Group	$350	$60
Encompass	$474	$79
USAA	$474	$80
Concord	$620	$104
Auto-Owners	$655	$111
Nationwide	$666	$112
MMG	$689	$117
Safety	$711	$119
State Farm	$711	$120
Progressive	$716	$121
Allstate	$1134	$191
The Hanover	$858	$146

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Average Car Insurance in Lebanon 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 Lebanon, NH increasing?

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

Car Insurance Premiums by Age in Lebanon

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 Lebanon,NH

If you are planning to get a car insurance policy for your teenage dependent, Concord Group provides the cheapest car insurance in the Lebanon at $41 per month. At $2054 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$242	$41
Auto-Owners	$248	$42
MMG	$248	$42
Safety Group	$248	$42
Vermont Mutual	$259	$44
Hanover	$271	$46
USAA	$733	$124
State Farm	$1027	$173
Concord	$1213	$202
Progressive	$1783	$300
Allstate	$2054	$342

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 Lebanon, Vermont Mutual is the cheapest car insurance provider. At $158 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 Lebanon is State Farm, offering rates of around $2291 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$158	$27
Safety Group	$163	$28
MAPFRE	$192	$32
Concord Group	$242	$41
Hanover	$530	$89
Progressive	$655	$110
USAA	$672	$112
Concord	$908	$155
Allstate	$1507	$251
State Farm	$2291	$390

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Car Insurance Rates with An Accident in Lebanon

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

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

The cheapest car insurance companies after an at-fault accident in Lebanon include Vermont Mutual and MMG, offering $158 and $192, respectively. Allstate is an expensive provider with an average six-month premium of $1637.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$158	$27
MMG	$192	$32
MAPFRE	$203	$34
The Hanover	$203	$34
Concord Group	$237	$40
Auto-Owners	$288	$49
Hanover	$338	$57
USAA	$407	$68
Encompass	$706	$118
State Farm	$824	$139
Progressive	$846	$143
Concord	$908	$155
Nationwide	$1044	$174
Allstate	$1637	$276

Lebanon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lebanon NH. For example, the car insurance in Lebanon after a DUI increases to $564 for a six month policy. While the rate increases by $101 for a six-month policy in the case of a speeding ticket.

Lebanon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$672	$112
Not-at-fault accident	$672	$114
One Med/PIP claim	$672	$112
One comp claim	$689	$117
Two Med/PIP claims	$689	$115
Two comp claims	$700	$119
Failure to show documents	$745	$124
Failure to wear a seat belt	$745	$126
At-fault accident - less than $1000	$756	$126
Child safety restraint	$756	$128
Driving without lights	$756	$126
Driving with expired registration	$773	$131
Speeding 11 - 15 MPH over limit	$773	$129
Speeding 16 - 20 MPH over limit	$773	$131
Speeding 6 - 10 MPH over limit	$773	$129
Driving too slowly	$779	$132
Failure to stop at a red light	$779	$130
Failure to yield	$779	$132
Following too closely	$779	$130
Illegal turn	$779	$132
In 65 MPH zone	$779	$130
Speeding in school zone	$779	$132
Wrong way/wrong lane	$779	$130
Speeding 21 - 25 MPH over limit	$796	$135
Improper passing	$801	$134
Cell phone violation	$846	$144
Texting while driving	$846	$142
At-fault accident - $1000-$2000	$869	$148
Passing school bus	$892	$148
Open container	$931	$159
At-fault accident - greater than $2000	$971	$162
Operating a vehicle without permission	$1027	$175
Racing	$1157	$193
Reckless driving	$1196	$203
Driving with a suspended license	$1225	$204
DUI	$1236	$210
Refusal to submit to a chemical test	$1236	$206
Leaving scene of an accident/hit and run	$1264	$215

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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 Lebanon 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 Lebanon.

The cheapest car insurance premiums in Lebanon are offered by MAPFRE at $226 for a six-month policy. However, it can be as expensive as $2195 with companies like Encompass.

Lebanon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$226	$38
MMG	$259	$44
Concord Group	$288	$48
Auto-Owners	$328	$56
Hanover	$328	$55
Progressive	$519	$87
USAA	$587	$99
Concord	$1094	$186
Allstate	$1134	$191
State Farm	$1140	$192
Nationwide	$1394	$233
Encompass	$2195	$373

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 Lebanon are offered by Safety Group at $163. However, it can be as expensive as $1264 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lebanon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$163	$28
Concord Group	$186	$31
MAPFRE	$203	$34
Vermont Mutual	$215	$36
Hanover	$259	$44
USAA	$434	$74
State Farm	$547	$91
Concord	$835	$142
Progressive	$846	$142
Allstate	$1264	$215

Car Insurance Price Trends in Lebanon, New Hampshire

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

The average cost of full coverage in the Lebanon remained steady at $107 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lebanon remained steady at $33 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 Lebanon?

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

What is the cheapest car insurance in Lebanon?

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

How much is car insurance in Lebanon for teenagers?

Car insurance for teenagers costs $242 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 Lebanon?

The average cost of car insurance is $609 for a six-month policy. It will cost around $97 per month to insure your car in Lebanon.

Is car insurance expensive in Lebanon?

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

What is the best car insurance in Lebanon, NH?

The best car insurance company in Lebanon NH is Hanover, offering $299 for a six-month policy.