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Finding the cheapest car insurance quotes in North Haverhill 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 North Haverhill
The car insurance rate in North Haverhill is $591 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 $306, 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.
Cheapest Car Insurance Companies in North Haverhill
1st place: Hanover
At $306 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 $306 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, The Hanover is the most expensive, with rates reaching $876 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
Way's key takeaways about car insurance in North Haverhill
The auto insurance costs in North Haverhill fall around $306 for six
months.
The cheapest auto insurance company in North Haverhill is Hanover.
Teen drivers pay the highest rate in North Haverhill at $349 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 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 $455 for the same
period.
Cheapest Liability Coverage in North Haverhill, NH
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 $51 per month and $306
for six months.
Cheapest Full Coverage Car Insurance Quotes in North Haverhill,
NH
Get Your Car Insurance Quote in North Haverhill
Instantly!
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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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, Concord Group provides the cheapest car
insurance in the North Haverhill at $42
per
month. At $2097 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 North Haverhill.
As young drivers face the highest rates in North Haverhill, 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 North Haverhill,
Vermont Mutual is
the cheapest car insurance provider. At $161 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 $2340 for six
months.
Save up to $971/yr on car insurance rates in North Haverhill.
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 MMG, offering $161
and $196,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1671.
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.
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 Safety Group
at $167. However,
it can be as expensive as $1291
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in North Haverhill after Speeding ticket
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 remained steady at $110 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the North Haverhill remained steady at $34 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in North Haverhill 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
North Haverhill. At $1181 for a
six-month policy, insuring
your car at 3774 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 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 $51 per month
for full coverage.
How much is car insurance in North Haverhill for teenagers?
Car insurance for teenagers costs $247 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 $609 for a six-month
policy. It will cost around $99 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 $306 for a
six-month policy.
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