Cheapest Car Insurance Quotes in Nashua

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Nashua Car Insurance

^$ 19

/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 Nashua

The car insurance rate in Nashua 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 Nashua 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 Nashua

$682

Avg. Car Insurance in New Hampshire

$609

National Average

$1140

Cheapest Car Insurance Companies in Nashua

1st place: Hanover

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 Nashua.

Nashua Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Nashua, 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 Nashua drivers find the best deals.

Cheap Car Insurance Companies in Nashua, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$353	$59
Safety Group	$353	$58
Vermont Mutual	$353	$60
MAPFRE	$373	$62
Concord Group	$412	$71
Encompass	$559	$93
USAA	$559	$94
Concord	$731	$122
Auto-Owners	$772	$131
Nationwide	$785	$132
MMG	$812	$138
Safety	$838	$140
State Farm	$838	$141
Progressive	$844	$142
Allstate	$1337	$225
The Hanover	$1011	$172

Key Takeaways

Way's key takeaways about car insurance in Nashua

The auto insurance costs in Nashua fall around $353 for six months.
The cheapest auto insurance company in Nashua is Hanover.
Teen drivers pay the highest rate in Nashua at $403 per month.

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Cheapest Minimum Liability Car Insurance in Nashua

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 Nashua are given below.

Hanover provides the cheapest minimum car insurance coverage in Nashua. Their Average 6 Month Premium is $113. Allstate is the most expensive at $525 for the same period.

Cheapest Liability Coverage in Nashua, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$113	$19
The Hanover	$147	$25
Safety Group	$160	$27
Vermont Mutual	$160	$27
MMG	$167	$28
USAA	$172	$29
MAPFRE	$179	$30
Concord Group	$193	$32
Encompass	$193	$32
Auto-Owners	$199	$34
Safety	$233	$39
Progressive	$273	$46
State Farm	$319	$54
Concord	$353	$60
Nationwide	$439	$73
Allstate	$525	$88

Cheapest Full Coverage Car Insurance in Nashua

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 Nashua is Hanover at $59 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in Nashua, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$353	$59
Safety Group	$353	$58
Vermont Mutual	$353	$60
MAPFRE	$373	$62
Concord Group	$412	$71
Encompass	$559	$93
USAA	$559	$94
Concord	$731	$122
Auto-Owners	$772	$131
Nationwide	$785	$132
MMG	$812	$138
Safety	$838	$140
State Farm	$838	$141
Progressive	$844	$142
Allstate	$1337	$225
The Hanover	$1011	$172

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Average Car Insurance in Nashua 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 Nashua, NH increasing?

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

Car Insurance Premiums by Age in Nashua

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 Nashua,NH

If you are planning to get a car insurance policy for your teenage dependent, Concord Group provides the cheapest car insurance in the Nashua at $48 per month. At $2421 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$286	$48
Auto-Owners	$292	$49
MMG	$292	$49
Safety Group	$292	$49
Vermont Mutual	$306	$52
Hanover	$319	$54
USAA	$865	$146
State Farm	$1211	$204
Concord	$1430	$239
Progressive	$2102	$354
Allstate	$2421	$403

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 Nashua, 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 Nashua is State Farm, offering rates of around $2701 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$186	$31
Safety Group	$193	$32
MAPFRE	$226	$38
Concord Group	$286	$48
Hanover	$625	$105
Progressive	$772	$130
USAA	$792	$132
Concord	$1071	$183
Allstate	$1776	$296
State Farm	$2701	$459

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Car Insurance Rates with An Accident in Nashua

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

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

The cheapest car insurance companies after an at-fault accident in Nashua include Vermont Mutual and MMG, offering $186 and $226, respectively. Allstate is an expensive provider with an average six-month premium of $1930.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$186	$31
MMG	$226	$38
MAPFRE	$240	$40
The Hanover	$240	$40
Concord Group	$279	$47
Auto-Owners	$339	$58
Hanover	$399	$67
USAA	$479	$81
Encompass	$832	$139
State Farm	$971	$164
Progressive	$998	$168
Concord	$1071	$183
Nationwide	$1231	$205
Allstate	$1930	$325

Nashua Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Nashua NH. For example, the car insurance in Nashua 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.

Nashua 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

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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 Nashua 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 Nashua.

The cheapest car insurance premiums in Nashua are offered by MAPFRE at $267 for a six-month policy. However, it can be as expensive as $2588 with companies like Encompass.

Nashua car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$267	$45
MMG	$306	$52
Concord Group	$339	$56
Auto-Owners	$386	$66
Hanover	$386	$65
Progressive	$612	$103
USAA	$692	$116
Concord	$1290	$220
Allstate	$1337	$225
State Farm	$1344	$226
Nationwide	$1643	$274
Encompass	$2588	$440

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 Nashua 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 Nashua after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$193	$32
Concord Group	$220	$37
MAPFRE	$240	$40
Vermont Mutual	$253	$43
Hanover	$306	$52
USAA	$512	$87
State Farm	$645	$108
Concord	$984	$167
Progressive	$998	$167
Allstate	$1491	$253

Car Insurance Price Trends in Nashua, New Hampshire

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

The average cost of full coverage in the Nashua 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 Nashua remained steady at $39 in both December and November, indicating no change over the two month period.

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Average Car Insurance Cost in Nashua 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 Nashua. At $907 for a six-month policy, insuring your car at 3060 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
3060	$907	$151
3064	$791	$132
3063	$804	$134
3062	$893	$149

Frequently Asked Questions

How much is car insurance in Nashua?

The car insurance in Nashua is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Nashua?

The cheapest car insurance in Nashua is $59 per month for full coverage.

How much is car insurance in Nashua 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 Nashua?

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 Nashua.

Is car insurance expensive in Nashua?

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

What is the best car insurance in Nashua, NH?

The best car insurance company in Nashua NH is Hanover, offering $353 for a six-month policy.