Cheapest Car Insurance Quotes in North Woodstock

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North Woodstock Car Insurance

^$ 17

/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 Woodstock

The car insurance rate in North Woodstock is $625 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $309, making it a popular choice for budget-conscious drivers. Rates in North Woodstock 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 Woodstock

$625

Avg. Car Insurance in New Hampshire

$613

National Average

$1278

Cheapest Car Insurance Companies in North Woodstock

1st place: Hanover

At $309 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 $321 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 $321 for six months, making it the third cheapest auto insurance company in North Woodstock.

North Woodstock Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Woodstock, NH is Hanover, offering policies at just $309 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $321.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1200 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Woodstock drivers find the best deals.

Cheap Car Insurance Companies in North Woodstock, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$309	$52
Safety Group	$321	$53
Vermont Mutual	$321	$55
MAPFRE	$340	$56
Concord Group	$375	$64
Encompass	$509	$85
USAA	$563	$95
Safety	$697	$117
Auto-Owners	$703	$119
Nationwide	$715	$120
MMG	$758	$128
Concord	$794	$133
Progressive	$878	$148
State Farm	$903	$152
Allstate	$1200	$202

Key Takeaways

Way's key takeaways about car insurance in North Woodstock

The auto insurance costs in North Woodstock fall around $309 for six months.
The cheapest auto insurance company in North Woodstock is Hanover.
Teen drivers pay the highest rate in North Woodstock at $435 per month.

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Cheapest Minimum Liability Car Insurance in North Woodstock

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 Woodstock are given below.

Hanover provides the cheapest minimum car insurance coverage in North Woodstock. Their Average 6 Month Premium is $103. Allstate is the most expensive at $443 for the same period.

Cheapest Liability Coverage in North Woodstock, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$103	$17
The Hanover	$134	$22
Safety Group	$146	$24
Vermont Mutual	$146	$24
MAPFRE	$163	$28
Concord Group	$175	$30
Encompass	$175	$30
USAA	$175	$30
Auto-Owners	$182	$31
MMG	$194	$33
Safety	$218	$37
Progressive	$266	$45
Concord	$346	$57
State Farm	$352	$59
Nationwide	$400	$66
Allstate	$443	$74

Cheapest Full Coverage Car Insurance in North Woodstock

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 Woodstock is Hanover at $52 per month and $309 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Woodstock, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$309	$52
Safety Group	$321	$53
Vermont Mutual	$321	$55
MAPFRE	$340	$56
Concord Group	$375	$64
Encompass	$509	$85
USAA	$563	$95
Safety	$697	$117
Auto-Owners	$703	$119
Nationwide	$715	$120
MMG	$758	$128
Concord	$794	$133
Progressive	$878	$148
State Farm	$903	$152
Allstate	$1200	$202

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Average Car Insurance in North Woodstock 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 Woodstock, NH increasing?

Despite maintaining a clean driving record, your car insurance rates in North Woodstock, 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 Woodstock'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 Woodstock

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 Woodstock,NH

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the North Woodstock at $23 per month. At $2557 for a six-month premium, Safety offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$140	$23
Concord Group	$260	$44
Auto-Owners	$266	$45
Safety Group	$266	$45
Vermont Mutual	$278	$47
MMG	$830	$140
USAA	$1290	$217
Concord	$1539	$262
State Farm	$1593	$268
Allstate	$2084	$354
Progressive	$2284	$385
Safety	$2557	$435

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 Woodstock, Hanover is the cheapest car insurance provider. At $97 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 Woodstock is State Farm, offering rates of around $3932 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$97	$16
Vermont Mutual	$169	$29
Safety Group	$175	$30
MAPFRE	$206	$35
Concord Group	$260	$44
Progressive	$939	$158
Safety	$1066	$177
Concord	$1158	$197
USAA	$1255	$209
Allstate	$1551	$264
MMG	$1739	$290
State Farm	$3932	$668

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Car Insurance Rates with An Accident in North Woodstock

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

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

The cheapest car insurance companies after an at-fault accident in North Woodstock include Vermont Mutual and MAPFRE, offering $169 and $218, respectively. Allstate is an expensive provider with an average six-month premium of $1848.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$169	$29
MAPFRE	$218	$37
The Hanover	$218	$37
Concord Group	$254	$43
Auto-Owners	$309	$51
Hanover	$315	$53
USAA	$515	$87
MMG	$521	$88
Encompass	$758	$126
Progressive	$1036	$174
State Farm	$1042	$175
Nationwide	$1121	$191
Concord	$1218	$203
Safety	$1248	$212
Allstate	$1848	$311

North Woodstock Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Woodstock NH. For example, the car insurance in North Woodstock after a DUI increases to $606 for a six month policy. While the rate increases by $109 for a six-month policy in the case of a speeding ticket.

North Woodstock auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$721	$120
Not-at-fault accident	$721	$122
One Med/PIP claim	$721	$120
One comp claim	$740	$125
Two Med/PIP claims	$740	$123
Two comp claims	$752	$128
Failure to show documents	$800	$134
Failure to wear a seat belt	$800	$136
At-fault accident - less than $1000	$812	$136
Child safety restraint	$812	$138
Driving without lights	$812	$136
Driving with expired registration	$830	$141
Speeding 11 - 15 MPH over limit	$830	$139
Speeding 16 - 20 MPH over limit	$830	$141
Speeding 6 - 10 MPH over limit	$830	$139
Driving too slowly	$836	$142
Failure to stop at a red light	$836	$140
Failure to yield	$836	$142
Following too closely	$836	$140
Illegal turn	$836	$142
In 65 MPH zone	$836	$140
Speeding in school zone	$836	$142
Wrong way/wrong lane	$836	$140
Speeding 21 - 25 MPH over limit	$855	$145
Improper passing	$860	$144
Cell phone violation	$909	$155
Texting while driving	$909	$152
At-fault accident - $1000-$2000	$933	$159
Passing school bus	$958	$159
Open container	$1000	$170
At-fault accident - greater than $2000	$1042	$173
Operating a vehicle without permission	$1103	$188
Racing	$1242	$207
Reckless driving	$1284	$218
Driving with a suspended license	$1315	$219
DUI	$1327	$225
Refusal to submit to a chemical test	$1327	$221
Leaving scene of an accident/hit and run	$1358	$231

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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 Woodstock 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 Woodstock.

The cheapest car insurance premiums in North Woodstock are offered by MAPFRE at $243 for a six-month policy. However, it can be as expensive as $2357 with companies like Encompass.

North Woodstock car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$243	$41
Hanover	$297	$50
Concord Group	$309	$53
Auto-Owners	$352	$58
Progressive	$649	$109
MMG	$794	$134
USAA	$824	$139
Allstate	$1200	$202
Safety	$1393	$237
Concord	$1399	$234
Nationwide	$1496	$254
State Farm	$1551	$261
Encompass	$2357	$401

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 Woodstock are offered by Hanover at $115. However, it can be as expensive as $1406 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in North Woodstock after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$115	$19
Safety Group	$175	$30
Concord Group	$200	$34
MAPFRE	$218	$37
Vermont Mutual	$231	$39
Safety	$630	$107
USAA	$727	$121
State Farm	$860	$146
Concord	$1072	$179
MMG	$1097	$187
Allstate	$1358	$226
Progressive	$1406	$239

Car Insurance Price Trends in North Woodstock, New Hampshire

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

The average cost of full coverage in the North Woodstock rose by $140 in January compared to $115 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the North Woodstock rose to $38 in January, compared to $36 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 Woodstock?

The car insurance in North Woodstock is $17 per month, which is lower than the national average.

What is the cheapest car insurance in North Woodstock?

The cheapest car insurance in North Woodstock is $52 per month for full coverage.

How much is car insurance in North Woodstock for teenagers?

Car insurance for teenagers costs $140 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 Woodstock?

The average cost of car insurance is $613 for a six-month policy. It will cost around $105 per month to insure your car in North Woodstock.

Is car insurance expensive in North Woodstock?

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

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

The best car insurance company in North Woodstock NH is Hanover, offering $309 for a six-month policy.