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 Londonderry 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 Londonderry
The car insurance rate in Londonderry is $682 for a six-month policy, which is $73 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Londonderry 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 $353 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 $353 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 $353
for six months, making it
the third cheapest auto insurance company in Londonderry.
Londonderry Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Londonderry, NH is Hanover, offering policies at just $353 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $353.
At the higher end of the spectrum, The Hanover is the most expensive, with rates reaching $1011 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Londonderry drivers find the best deals.
Way's key takeaways about car insurance in Londonderry
The auto insurance costs in Londonderry fall around $353 for six
months.
The cheapest auto insurance company in Londonderry is Hanover.
Teen drivers pay the highest rate in Londonderry at $403 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 Londonderry
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 Londonderry are given below.
Hanover provides
the cheapest minimum car insurance
coverage in Londonderry. Their Average 6 Month Premium is $113.
Allstate is the most
expensive at $525 for the same
period.
Cheapest Full Coverage Car Insurance in Londonderry
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 Londonderry is Hanover
at $59 per month and $353
for six months.
Cheapest Full Coverage Car Insurance Quotes in Londonderry,
NH
Get Your Car Insurance Quote in Londonderry
Instantly!
Average Car Insurance in Londonderry 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 Londonderry, NH increasing?
Despite maintaining a clean driving record, your car insurance rates
in Londonderry, 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, Londonderry's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Londonderry
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
Londonderry,NH
If you are planning to get a car insurance policy for your teenage
dependent, Concord Group provides the cheapest car
insurance in the Londonderry at $48
per
month. At $2421 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 Londonderry.
As young drivers face the highest rates in Londonderry, 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 Londonderry,
Vermont Mutual is
the cheapest car insurance provider. At $186 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
Londonderry is State Farm, offering
rates of around $2701 for six
months.
Save up to $971/yr on car insurance rates in Londonderry.
Car Insurance Rates with An Accident in Londonderry
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 Londonderry, NH,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Londonderry
The cheapest car insurance companies after an at-fault accident in
Londonderry include Vermont Mutual
and MMG, offering $186
and $226,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1930.
Here is a list of driving violations that can increase your car
insurance rates in Londonderry NH. For example, the car
insurance in Londonderry
after a DUI increases to $665 for a six
month policy. While the rate increases by $120 for a six-month policy in the case of
a speeding ticket.
Londonderry auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$792
$132
Not-at-fault accident
$792
$134
One Med/PIP claim
$792
$132
One comp claim
$812
$138
Two Med/PIP claims
$812
$136
Two comp claims
$825
$140
Failure to show documents
$878
$147
Failure to wear a seat belt
$878
$149
At-fault accident - less than $1000
$892
$149
Child safety restraint
$892
$151
Driving without lights
$892
$149
Driving with expired registration
$912
$155
Speeding 11 - 15 MPH over limit
$912
$152
Speeding 16 - 20 MPH over limit
$912
$155
Speeding 6 - 10 MPH over limit
$912
$152
Driving too slowly
$918
$156
Failure to stop at a red light
$918
$153
Failure to yield
$918
$156
Following too closely
$918
$153
Illegal turn
$918
$156
In 65 MPH zone
$918
$153
Speeding in school zone
$918
$156
Wrong way/wrong lane
$918
$153
Speeding 21 - 25 MPH over limit
$939
$159
Improper passing
$944
$158
Cell phone violation
$998
$170
Texting while driving
$998
$167
At-fault accident - $1000-$2000
$1025
$175
Passing school bus
$1052
$175
Open container
$1098
$187
At-fault accident - greater than $2000
$1145
$190
Operating a vehicle without permission
$1211
$206
Racing
$1364
$227
Reckless driving
$1410
$240
Driving with a suspended license
$1444
$241
DUI
$1457
$248
Refusal to submit to a chemical test
$1457
$243
Leaving scene of an accident/hit and run
$1491
$253
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 Londonderry 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 Londonderry.
The cheapest car insurance premiums in
Londonderry are
offered by MAPFRE at $267 for a six-month policy.
However, it can be as
expensive as $2588 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 Londonderry are offered by Safety Group
at $193. However,
it can be as expensive as $1491
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Londonderry after Speeding ticket
Car Insurance Price Trends in Londonderry,
New Hampshire
Car insurance rates in Londonderry have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Londonderry remained steady at $127 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Londonderry remained steady at $39 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Londonderry 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
Londonderry. At $1364 for a
six-month policy, insuring
your car at 3053 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 Londonderry?
The car insurance in Londonderry is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Londonderry?
The cheapest car insurance in Londonderry
is $59 per month
for full coverage.
How much is car insurance in Londonderry for teenagers?
Car insurance for teenagers costs $286 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
Londonderry?
The average cost of car insurance is $609 for a six-month
policy. It will cost around $114 per month to insure your
car in Londonderry.
Is car insurance expensive in Londonderry?
Car insurance can be expensive in Londonderry if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Londonderry can be
affordable.
What is the best car insurance in Londonderry,
NH?
The best car insurance company in Londonderry
NH is
Hanover, offering $353 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Londonderry right now.
Find Car Insurance Rates in Cities Near Londonderry, NH
Car Insurance Rates by State in the USA (2025 Update)
Londonderry Car Insurance
