Cheapest Car Insurance Quotes in North Haverhill

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North Haverhill 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 North Haverhill

The car insurance rate in North Haverhill is $595 for a six-month policy, which is $18 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $294, making it a popular choice for budget-conscious drivers. Rates in North Haverhill 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 North Haverhill

$595

Avg. Car Insurance in New Hampshire

$613

National Average

$1278

Cheapest Car Insurance Companies in North Haverhill

1st place: Hanover

At $294 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 $306 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 $306 for six months, making it the third cheapest auto insurance company in North Haverhill.

North Haverhill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Haverhill, NH is Hanover, offering policies at just $294 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $306.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1141 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Haverhill drivers find the best deals.

Cheap Car Insurance Companies in North Haverhill, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$294	$49
Safety Group	$306	$50
Vermont Mutual	$306	$52
MAPFRE	$323	$53
Concord Group	$357	$61
Encompass	$484	$81
USAA	$535	$90
Safety	$663	$112
Auto-Owners	$668	$113
Nationwide	$680	$114
MMG	$721	$121
Concord	$755	$126
Progressive	$835	$141
State Farm	$858	$145
Allstate	$1141	$192

Key Takeaways

Way's key takeaways about car insurance in North Haverhill

The auto insurance costs in North Haverhill fall around $294 for six months.
The cheapest auto insurance company in North Haverhill is Hanover.
Teen drivers pay the highest rate in North Haverhill at $413 per month.

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Cheapest Minimum Liability Car Insurance in North Haverhill

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 North Haverhill are given below.

Hanover provides the cheapest minimum car insurance coverage in North Haverhill. Their Average 6 Month Premium is $98. Allstate is the most expensive at $421 for the same period.

Cheapest Liability Coverage in North Haverhill, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$98	$16
The Hanover	$127	$21
Safety Group	$139	$23
Vermont Mutual	$139	$23
MAPFRE	$155	$26
Concord Group	$167	$28
Encompass	$167	$28
USAA	$167	$28
Auto-Owners	$173	$29
MMG	$184	$31
Safety	$208	$35
Progressive	$253	$43
Concord	$329	$54
State Farm	$335	$56
Nationwide	$380	$63
Allstate	$421	$71

Cheapest Full Coverage Car Insurance in North Haverhill

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 North Haverhill is Hanover at $49 per month and $294 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Haverhill, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$294	$49
Safety Group	$306	$50
Vermont Mutual	$306	$52
MAPFRE	$323	$53
Concord Group	$357	$61
Encompass	$484	$81
USAA	$535	$90
Safety	$663	$112
Auto-Owners	$668	$113
Nationwide	$680	$114
MMG	$721	$121
Concord	$755	$126
Progressive	$835	$141
State Farm	$858	$145
Allstate	$1141	$192

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Average Car Insurance in North Haverhill 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 North Haverhill, NH increasing?

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

Car Insurance Premiums by Age in North Haverhill

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 North Haverhill,NH

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the North Haverhill at $22 per month. At $2432 for a six-month premium, Safety offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$133	$22
Concord Group	$247	$42
Auto-Owners	$253	$43
Safety Group	$253	$43
Vermont Mutual	$265	$45
MMG	$790	$133
USAA	$1227	$207
Concord	$1464	$249
State Farm	$1515	$255
Allstate	$1982	$337
Progressive	$2172	$366
Safety	$2432	$413

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 North Haverhill, Hanover is the cheapest car insurance provider. At $92 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 North Haverhill is State Farm, offering rates of around $3739 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$92	$16
Vermont Mutual	$161	$27
Safety Group	$167	$28
MAPFRE	$196	$33
Concord Group	$247	$42
Progressive	$893	$150
Safety	$1014	$169
Concord	$1101	$187
USAA	$1193	$199
Allstate	$1475	$251
MMG	$1654	$275
State Farm	$3739	$635

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Car Insurance Rates with An Accident in North Haverhill

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

Cheapest Car Insurance Companies after an At-Fault Accident in North Haverhill

The cheapest car insurance companies after an at-fault accident in North Haverhill include Vermont Mutual and MAPFRE, offering $161 and $208, respectively. Allstate is an expensive provider with an average six-month premium of $1758.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$161	$27
MAPFRE	$208	$35
The Hanover	$208	$35
Concord Group	$242	$41
Auto-Owners	$294	$49
Hanover	$300	$50
USAA	$490	$82
MMG	$496	$83
Encompass	$721	$120
Progressive	$986	$166
State Farm	$991	$167
Nationwide	$1066	$181
Concord	$1158	$193
Safety	$1187	$202
Allstate	$1758	$296

North Haverhill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Haverhill NH. For example, the car insurance in North Haverhill after a DUI increases to $576 for a six month policy. While the rate increases by $104 for a six-month policy in the case of a speeding ticket.

North Haverhill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$686	$114
Not-at-fault accident	$686	$116
One Med/PIP claim	$686	$114
One comp claim	$703	$119
Two Med/PIP claims	$703	$117
Two comp claims	$715	$121
Failure to show documents	$760	$127
Failure to wear a seat belt	$760	$129
At-fault accident - less than $1000	$772	$129
Child safety restraint	$772	$131
Driving without lights	$772	$129
Driving with expired registration	$790	$134
Speeding 11 - 15 MPH over limit	$790	$132
Speeding 16 - 20 MPH over limit	$790	$134
Speeding 6 - 10 MPH over limit	$790	$132
Driving too slowly	$795	$135
Failure to stop at a red light	$795	$133
Failure to yield	$795	$135
Following too closely	$795	$133
Illegal turn	$795	$135
In 65 MPH zone	$795	$133
Speeding in school zone	$795	$135
Wrong way/wrong lane	$795	$133
Speeding 21 - 25 MPH over limit	$813	$138
Improper passing	$818	$137
Cell phone violation	$864	$147
Texting while driving	$864	$145
At-fault accident - $1000-$2000	$888	$151
Passing school bus	$911	$151
Open container	$951	$162
At-fault accident - greater than $2000	$991	$165
Operating a vehicle without permission	$1049	$178
Racing	$1181	$197
Reckless driving	$1221	$208
Driving with a suspended license	$1250	$209
DUI	$1262	$214
Refusal to submit to a chemical test	$1262	$210
Leaving scene of an accident/hit and run	$1291	$219

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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 North Haverhill 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 North Haverhill.

The cheapest car insurance premiums in North Haverhill are offered by MAPFRE at $231 for a six-month policy. However, it can be as expensive as $2242 with companies like Encompass.

North Haverhill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$231	$39
Hanover	$282	$48
Concord Group	$294	$50
Auto-Owners	$335	$55
Progressive	$617	$104
MMG	$755	$127
USAA	$784	$132
Allstate	$1141	$192
Safety	$1325	$225
Concord	$1331	$222
Nationwide	$1423	$242
State Farm	$1475	$248
Encompass	$2242	$381

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 North Haverhill are offered by Hanover at $110. However, it can be as expensive as $1337 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in North Haverhill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$110	$18
Safety Group	$167	$28
Concord Group	$190	$32
MAPFRE	$208	$35
Vermont Mutual	$219	$37
Safety	$599	$102
USAA	$692	$115
State Farm	$818	$139
Concord	$1019	$170
MMG	$1043	$178
Allstate	$1291	$215
Progressive	$1337	$227

Car Insurance Price Trends in North Haverhill, New Hampshire

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

The average cost of full coverage in the North Haverhill rose by $133 in January compared to $110 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the North Haverhill rose to $36 in January, compared to $34 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in North Haverhill?

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

What is the cheapest car insurance in North Haverhill?

The cheapest car insurance in North Haverhill is $49 per month for full coverage.

How much is car insurance in North Haverhill for teenagers?

Car insurance for teenagers costs $133 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 North Haverhill?

The average cost of car insurance is $613 for a six-month policy. It will cost around $100 per month to insure your car in North Haverhill.

Is car insurance expensive in North Haverhill?

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

What is the best car insurance in North Haverhill, NH?

The best car insurance company in North Haverhill NH is Hanover, offering $294 for a six-month policy.