Cheapest Car Insurance Quotes in Portsmouth

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Portsmouth 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 Portsmouth

The car insurance rate in Portsmouth is $603 for a six-month policy, which is $6 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $312, making it a popular choice for budget-conscious drivers. Rates in Portsmouth 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 Portsmouth

$603

Avg. Car Insurance in New Hampshire

$609

National Average

$1140

Cheapest Car Insurance Companies in Portsmouth

1st place: Hanover

At $312 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 $312 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 $312 for six months, making it the third cheapest auto insurance company in Portsmouth.

Portsmouth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Portsmouth, NH is Hanover, offering policies at just $312 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $312.

At the higher end of the spectrum, The Hanover is the most expensive, with rates reaching $894 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Portsmouth drivers find the best deals.

Cheap Car Insurance Companies in Portsmouth, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$312	$52
Safety Group	$312	$51
Vermont Mutual	$312	$53
MAPFRE	$330	$54
Concord Group	$364	$62
Encompass	$494	$82
USAA	$494	$83
Concord	$646	$108
Auto-Owners	$682	$116
Nationwide	$694	$117
MMG	$718	$122
Safety	$741	$124
State Farm	$741	$125
Progressive	$746	$126
Allstate	$1182	$199
The Hanover	$894	$152

Key Takeaways

Way's key takeaways about car insurance in Portsmouth

The auto insurance costs in Portsmouth fall around $312 for six months.
The cheapest auto insurance company in Portsmouth is Hanover.
Teen drivers pay the highest rate in Portsmouth at $356 per month.

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Cheapest Minimum Liability Car Insurance in Portsmouth

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 Portsmouth are given below.

Hanover provides the cheapest minimum car insurance coverage in Portsmouth. Their Average 6 Month Premium is $100. Allstate is the most expensive at $464 for the same period.

Cheapest Liability Coverage in Portsmouth, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$100	$17
The Hanover	$130	$22
Safety Group	$142	$24
Vermont Mutual	$142	$24
MMG	$148	$25
USAA	$152	$26
MAPFRE	$158	$27
Concord Group	$170	$29
Encompass	$170	$29
Auto-Owners	$176	$30
Safety	$206	$35
Progressive	$242	$41
State Farm	$282	$48
Concord	$312	$53
Nationwide	$388	$64
Allstate	$464	$78

Cheapest Full Coverage Car Insurance in Portsmouth

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 Portsmouth is Hanover at $52 per month and $312 for six months.

Cheapest Full Coverage Car Insurance Quotes in Portsmouth, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$312	$52
Safety Group	$312	$51
Vermont Mutual	$312	$53
MAPFRE	$330	$54
Concord Group	$364	$62
Encompass	$494	$82
USAA	$494	$83
Concord	$646	$108
Auto-Owners	$682	$116
Nationwide	$694	$117
MMG	$718	$122
Safety	$741	$124
State Farm	$741	$125
Progressive	$746	$126
Allstate	$1182	$199
The Hanover	$894	$152

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Average Car Insurance in Portsmouth 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 Portsmouth, NH increasing?

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

Car Insurance Premiums by Age in Portsmouth

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 Portsmouth,NH

If you are planning to get a car insurance policy for your teenage dependent, Concord Group provides the cheapest car insurance in the Portsmouth at $43 per month. At $2140 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$252	$43
Auto-Owners	$258	$44
MMG	$258	$44
Safety Group	$258	$44
Vermont Mutual	$270	$46
Hanover	$282	$48
USAA	$764	$129
State Farm	$1070	$180
Concord	$1264	$211
Progressive	$1858	$313
Allstate	$2140	$356

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 Portsmouth, Vermont Mutual is the cheapest car insurance provider. At $164 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 Portsmouth is State Farm, offering rates of around $2388 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$164	$28
Safety Group	$170	$29
MAPFRE	$200	$34
Concord Group	$252	$43
Hanover	$552	$93
Progressive	$682	$115
USAA	$700	$117
Concord	$946	$161
Allstate	$1570	$261
State Farm	$2388	$406

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Car Insurance Rates with An Accident in Portsmouth

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

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

The cheapest car insurance companies after an at-fault accident in Portsmouth include Vermont Mutual and MMG, offering $164 and $200, respectively. Allstate is an expensive provider with an average six-month premium of $1706.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$164	$28
MMG	$200	$34
MAPFRE	$212	$36
The Hanover	$212	$36
Concord Group	$247	$42
Auto-Owners	$300	$51
Hanover	$352	$59
USAA	$424	$71
Encompass	$736	$123
State Farm	$858	$145
Progressive	$882	$149
Concord	$946	$161
Nationwide	$1088	$181
Allstate	$1706	$287

Portsmouth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Portsmouth NH. For example, the car insurance in Portsmouth after a DUI increases to $588 for a six month policy. While the rate increases by $106 for a six-month policy in the case of a speeding ticket.

Portsmouth auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$700	$117
Not-at-fault accident	$700	$119
One Med/PIP claim	$700	$117
One comp claim	$718	$122
Two Med/PIP claims	$718	$120
Two comp claims	$730	$124
Failure to show documents	$776	$130
Failure to wear a seat belt	$776	$132
At-fault accident - less than $1000	$788	$132
Child safety restraint	$788	$134
Driving without lights	$788	$132
Driving with expired registration	$806	$137
Speeding 11 - 15 MPH over limit	$806	$135
Speeding 16 - 20 MPH over limit	$806	$137
Speeding 6 - 10 MPH over limit	$806	$135
Driving too slowly	$812	$138
Failure to stop at a red light	$812	$136
Failure to yield	$812	$138
Following too closely	$812	$136
Illegal turn	$812	$138
In 65 MPH zone	$812	$136
Speeding in school zone	$812	$138
Wrong way/wrong lane	$812	$136
Speeding 21 - 25 MPH over limit	$830	$141
Improper passing	$835	$140
Cell phone violation	$882	$150
Texting while driving	$882	$148
At-fault accident - $1000-$2000	$906	$154
Passing school bus	$930	$154
Open container	$970	$165
At-fault accident - greater than $2000	$1012	$168
Operating a vehicle without permission	$1070	$182
Racing	$1206	$201
Reckless driving	$1246	$212
Driving with a suspended license	$1276	$213
DUI	$1288	$219
Refusal to submit to a chemical test	$1288	$215
Leaving scene of an accident/hit and run	$1318	$224

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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 Portsmouth 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 Portsmouth.

The cheapest car insurance premiums in Portsmouth are offered by MAPFRE at $236 for a six-month policy. However, it can be as expensive as $2288 with companies like Encompass.

Portsmouth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$236	$40
MMG	$270	$46
Concord Group	$300	$50
Auto-Owners	$342	$58
Hanover	$342	$57
Progressive	$541	$91
USAA	$612	$103
Concord	$1140	$194
Allstate	$1182	$199
State Farm	$1188	$200
Nationwide	$1452	$243
Encompass	$2288	$389

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 Portsmouth are offered by Safety Group at $170. However, it can be as expensive as $1318 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Portsmouth after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$170	$29
Concord Group	$194	$33
MAPFRE	$212	$36
Vermont Mutual	$224	$38
Hanover	$270	$46
USAA	$452	$77
State Farm	$570	$95
Concord	$870	$148
Progressive	$882	$148
Allstate	$1318	$224

Car Insurance Price Trends in Portsmouth, New Hampshire

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

The average cost of full coverage in the Portsmouth remained steady at $112 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Portsmouth remained steady at $35 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Portsmouth?

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

What is the cheapest car insurance in Portsmouth?

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

How much is car insurance in Portsmouth for teenagers?

Car insurance for teenagers costs $252 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 Portsmouth?

The average cost of car insurance is $609 for a six-month policy. It will cost around $101 per month to insure your car in Portsmouth.

Is car insurance expensive in Portsmouth?

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

What is the best car insurance in Portsmouth, NH?

The best car insurance company in Portsmouth NH is Hanover, offering $312 for a six-month policy.