Cheapest Car Insurance Quotes in Pinardville

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Pinardville 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 Pinardville

The car insurance rate in Pinardville is $699 for a six-month policy, which is $86 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $345, making it a popular choice for budget-conscious drivers. Rates in Pinardville 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 Pinardville

$699

Avg. Car Insurance in New Hampshire

$613

National Average

$1278

Cheapest Car Insurance Companies in Pinardville

1st place: Hanover

At $345 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 $359 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 $359 for six months, making it the third cheapest auto insurance company in Pinardville.

Pinardville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pinardville, NH is Hanover, offering policies at just $345 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $359.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1341 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pinardville drivers find the best deals.

Cheap Car Insurance Companies in Pinardville, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$345	$58
Safety Group	$359	$59
Vermont Mutual	$359	$62
MAPFRE	$380	$63
Concord Group	$420	$72
Encompass	$569	$95
USAA	$629	$106
Safety	$779	$131
Auto-Owners	$785	$133
Nationwide	$799	$135
MMG	$847	$143
Concord	$887	$148
Progressive	$982	$165
State Farm	$1009	$170
Allstate	$1341	$226

Key Takeaways

Way's key takeaways about car insurance in Pinardville

The auto insurance costs in Pinardville fall around $345 for six months.
The cheapest auto insurance company in Pinardville is Hanover.
Teen drivers pay the highest rate in Pinardville at $486 per month.

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Cheapest Minimum Liability Car Insurance in Pinardville

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 Pinardville are given below.

Hanover provides the cheapest minimum car insurance coverage in Pinardville. Their Average 6 Month Premium is $115. Allstate is the most expensive at $495 for the same period.

Cheapest Liability Coverage in Pinardville, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$115	$19
The Hanover	$149	$25
Safety Group	$163	$27
Vermont Mutual	$163	$27
MAPFRE	$182	$31
Concord Group	$196	$33
Encompass	$196	$33
USAA	$196	$33
Auto-Owners	$203	$34
MMG	$217	$36
Safety	$244	$41
Progressive	$298	$50
Concord	$386	$64
State Farm	$393	$66
Nationwide	$447	$74
Allstate	$495	$83

Cheapest Full Coverage Car Insurance in Pinardville

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 Pinardville is Hanover at $58 per month and $345 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pinardville, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$345	$58
Safety Group	$359	$59
Vermont Mutual	$359	$62
MAPFRE	$380	$63
Concord Group	$420	$72
Encompass	$569	$95
USAA	$629	$106
Safety	$779	$131
Auto-Owners	$785	$133
Nationwide	$799	$135
MMG	$847	$143
Concord	$887	$148
Progressive	$982	$165
State Farm	$1009	$170
Allstate	$1341	$226

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Average Car Insurance in Pinardville 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 Pinardville, NH increasing?

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

Car Insurance Premiums by Age in Pinardville

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 Pinardville,NH

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Pinardville at $26 per month. At $2858 for a six-month premium, Safety offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$156	$26
Concord Group	$291	$49
Auto-Owners	$298	$50
Safety Group	$298	$50
Vermont Mutual	$311	$52
MMG	$928	$156
USAA	$1442	$243
Concord	$1720	$293
State Farm	$1781	$300
Allstate	$2329	$396
Progressive	$2552	$430
Safety	$2858	$486

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 Pinardville, Hanover is the cheapest car insurance provider. At $108 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 Pinardville is State Farm, offering rates of around $4395 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$108	$18
Vermont Mutual	$189	$32
Safety Group	$196	$33
MAPFRE	$230	$39
Concord Group	$291	$49
Progressive	$1050	$177
Safety	$1191	$198
Concord	$1294	$220
USAA	$1402	$234
Allstate	$1734	$295
MMG	$1944	$324
State Farm	$4395	$747

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Car Insurance Rates with An Accident in Pinardville

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

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

The cheapest car insurance companies after an at-fault accident in Pinardville include Vermont Mutual and MAPFRE, offering $189 and $244, respectively. Allstate is an expensive provider with an average six-month premium of $2066.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$189	$32
MAPFRE	$244	$41
The Hanover	$244	$41
Concord Group	$284	$48
Auto-Owners	$345	$57
Hanover	$352	$59
USAA	$576	$97
MMG	$583	$98
Encompass	$847	$141
Progressive	$1158	$195
State Farm	$1165	$196
Nationwide	$1253	$213
Concord	$1361	$227
Safety	$1395	$237
Allstate	$2066	$348

Pinardville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pinardville NH. For example, the car insurance in Pinardville after a DUI increases to $677 for a six month policy. While the rate increases by $122 for a six-month policy in the case of a speeding ticket.

Pinardville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$806	$135
Not-at-fault accident	$806	$137
One Med/PIP claim	$806	$135
One comp claim	$826	$140
Two Med/PIP claims	$826	$138
Two comp claims	$840	$143
Failure to show documents	$894	$149
Failure to wear a seat belt	$894	$152
At-fault accident - less than $1000	$907	$152
Child safety restraint	$907	$154
Driving without lights	$907	$152
Driving with expired registration	$928	$157
Speeding 11 - 15 MPH over limit	$928	$155
Speeding 16 - 20 MPH over limit	$928	$157
Speeding 6 - 10 MPH over limit	$928	$155
Driving too slowly	$935	$158
Failure to stop at a red light	$935	$156
Failure to yield	$935	$158
Following too closely	$935	$156
Illegal turn	$935	$158
In 65 MPH zone	$935	$156
Speeding in school zone	$935	$158
Wrong way/wrong lane	$935	$156
Speeding 21 - 25 MPH over limit	$955	$162
Improper passing	$961	$161
Cell phone violation	$1016	$173
Texting while driving	$1016	$170
At-fault accident - $1000-$2000	$1043	$178
Passing school bus	$1070	$178
Open container	$1117	$190
At-fault accident - greater than $2000	$1165	$194
Operating a vehicle without permission	$1232	$210
Racing	$1389	$231
Reckless driving	$1435	$244
Driving with a suspended license	$1469	$245
DUI	$1483	$252
Refusal to submit to a chemical test	$1483	$247
Leaving scene of an accident/hit and run	$1517	$258

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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 Pinardville 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 Pinardville.

The cheapest car insurance premiums in Pinardville are offered by MAPFRE at $271 for a six-month policy. However, it can be as expensive as $2635 with companies like Encompass.

Pinardville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$271	$46
Hanover	$332	$56
Concord Group	$345	$59
Auto-Owners	$393	$65
Progressive	$725	$122
MMG	$887	$149
USAA	$921	$155
Allstate	$1341	$226
Safety	$1557	$264
Concord	$1564	$261
Nationwide	$1672	$284
State Farm	$1734	$292
Encompass	$2635	$448

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 Pinardville are offered by Hanover at $129. However, it can be as expensive as $1571 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Pinardville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$129	$22
Safety Group	$196	$33
Concord Group	$223	$38
MAPFRE	$244	$41
Vermont Mutual	$258	$43
Safety	$705	$120
USAA	$813	$136
State Farm	$961	$163
Concord	$1198	$199
MMG	$1226	$209
Allstate	$1517	$253
Progressive	$1571	$267

Car Insurance Price Trends in Pinardville, New Hampshire

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

The average cost of full coverage in the Pinardville rose by $156 in January compared to $129 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Pinardville rose to $42 in January, compared to $40 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 Pinardville?

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

What is the cheapest car insurance in Pinardville?

The cheapest car insurance in Pinardville is $58 per month for full coverage.

How much is car insurance in Pinardville for teenagers?

Car insurance for teenagers costs $156 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 Pinardville?

The average cost of car insurance is $613 for a six-month policy. It will cost around $117 per month to insure your car in Pinardville.

Is car insurance expensive in Pinardville?

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

What is the best car insurance in Pinardville, NH?

The best car insurance company in Pinardville NH is Hanover, offering $345 for a six-month policy.