Cheapest Car Insurance Quotes in Somersworth

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Somersworth 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 Somersworth

The car insurance rate in Somersworth is $613 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $303, making it a popular choice for budget-conscious drivers. Rates in Somersworth 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 Somersworth

$613

Avg. Car Insurance in New Hampshire

$613

National Average

$1278

Cheapest Car Insurance Companies in Somersworth

1st place: Hanover

At $303 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 $315 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 $315 for six months, making it the third cheapest auto insurance company in Somersworth.

Somersworth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Somersworth, NH is Hanover, offering policies at just $303 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $315.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1176 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Somersworth drivers find the best deals.

Cheap Car Insurance Companies in Somersworth, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$303	$51
Safety Group	$315	$52
Vermont Mutual	$315	$54
MAPFRE	$333	$55
Concord Group	$368	$63
Encompass	$499	$83
USAA	$552	$93
Safety	$683	$115
Auto-Owners	$689	$117
Nationwide	$701	$118
MMG	$743	$125
Concord	$778	$130
Progressive	$861	$145
State Farm	$885	$149
Allstate	$1176	$198

Key Takeaways

Way's key takeaways about car insurance in Somersworth

The auto insurance costs in Somersworth fall around $303 for six months.
The cheapest auto insurance company in Somersworth is Hanover.
Teen drivers pay the highest rate in Somersworth at $426 per month.

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Cheapest Minimum Liability Car Insurance in Somersworth

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 Somersworth are given below.

Hanover provides the cheapest minimum car insurance coverage in Somersworth. Their Average 6 Month Premium is $101. Allstate is the most expensive at $434 for the same period.

Cheapest Liability Coverage in Somersworth, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$101	$17
The Hanover	$131	$22
Safety Group	$143	$24
Vermont Mutual	$143	$24
MAPFRE	$160	$27
Concord Group	$172	$29
Encompass	$172	$29
USAA	$172	$29
Auto-Owners	$178	$30
MMG	$190	$32
Safety	$214	$36
Progressive	$261	$44
Concord	$339	$56
State Farm	$345	$58
Nationwide	$392	$65
Allstate	$434	$73

Cheapest Full Coverage Car Insurance in Somersworth

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 Somersworth is Hanover at $51 per month and $303 for six months.

Cheapest Full Coverage Car Insurance Quotes in Somersworth, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$303	$51
Safety Group	$315	$52
Vermont Mutual	$315	$54
MAPFRE	$333	$55
Concord Group	$368	$63
Encompass	$499	$83
USAA	$552	$93
Safety	$683	$115
Auto-Owners	$689	$117
Nationwide	$701	$118
MMG	$743	$125
Concord	$778	$130
Progressive	$861	$145
State Farm	$885	$149
Allstate	$1176	$198

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Average Car Insurance in Somersworth 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 Somersworth, NH increasing?

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

Car Insurance Premiums by Age in Somersworth

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 Somersworth,NH

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Somersworth at $23 per month. At $2507 for a six-month premium, Safety offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$137	$23
Concord Group	$255	$43
Auto-Owners	$261	$44
Safety Group	$261	$44
Vermont Mutual	$273	$46
MMG	$814	$137
USAA	$1265	$213
Concord	$1509	$257
State Farm	$1562	$263
Allstate	$2043	$347
Progressive	$2239	$377
Safety	$2507	$426

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 Somersworth, Hanover is the cheapest car insurance provider. At $95 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 Somersworth is State Farm, offering rates of around $3855 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$95	$16
Vermont Mutual	$166	$28
Safety Group	$172	$29
MAPFRE	$202	$34
Concord Group	$255	$43
Progressive	$921	$155
Safety	$1045	$174
Concord	$1135	$193
USAA	$1230	$205
Allstate	$1521	$259
MMG	$1705	$284
State Farm	$3855	$655

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Car Insurance Rates with An Accident in Somersworth

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

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

The cheapest car insurance companies after an at-fault accident in Somersworth include Vermont Mutual and MAPFRE, offering $166 and $214, respectively. Allstate is an expensive provider with an average six-month premium of $1812.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$166	$28
MAPFRE	$214	$36
The Hanover	$214	$36
Concord Group	$249	$42
Auto-Owners	$303	$50
Hanover	$309	$52
USAA	$505	$85
MMG	$511	$86
Encompass	$743	$124
Progressive	$1016	$171
State Farm	$1022	$172
Nationwide	$1099	$187
Concord	$1194	$199
Safety	$1224	$208
Allstate	$1812	$305

Somersworth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Somersworth NH. For example, the car insurance in Somersworth after a DUI increases to $594 for a six month policy. While the rate increases by $107 for a six-month policy in the case of a speeding ticket.

Somersworth auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$707	$118
Not-at-fault accident	$707	$120
One Med/PIP claim	$707	$118
One comp claim	$725	$123
Two Med/PIP claims	$725	$121
Two comp claims	$737	$125
Failure to show documents	$784	$131
Failure to wear a seat belt	$784	$133
At-fault accident - less than $1000	$796	$133
Child safety restraint	$796	$135
Driving without lights	$796	$133
Driving with expired registration	$814	$138
Speeding 11 - 15 MPH over limit	$814	$136
Speeding 16 - 20 MPH over limit	$814	$138
Speeding 6 - 10 MPH over limit	$814	$136
Driving too slowly	$820	$139
Failure to stop at a red light	$820	$137
Failure to yield	$820	$139
Following too closely	$820	$137
Illegal turn	$820	$139
In 65 MPH zone	$820	$137
Speeding in school zone	$820	$139
Wrong way/wrong lane	$820	$137
Speeding 21 - 25 MPH over limit	$838	$142
Improper passing	$843	$141
Cell phone violation	$891	$152
Texting while driving	$891	$149
At-fault accident - $1000-$2000	$915	$156
Passing school bus	$939	$156
Open container	$980	$167
At-fault accident - greater than $2000	$1022	$170
Operating a vehicle without permission	$1081	$184
Racing	$1218	$203
Reckless driving	$1259	$214
Driving with a suspended license	$1289	$215
DUI	$1301	$221
Refusal to submit to a chemical test	$1301	$217
Leaving scene of an accident/hit and run	$1331	$226

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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 Somersworth 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 Somersworth.

The cheapest car insurance premiums in Somersworth are offered by MAPFRE at $238 for a six-month policy. However, it can be as expensive as $2311 with companies like Encompass.

Somersworth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$238	$40
Hanover	$291	$49
Concord Group	$303	$52
Auto-Owners	$345	$57
Progressive	$636	$107
MMG	$778	$131
USAA	$808	$136
Allstate	$1176	$198
Safety	$1366	$232
Concord	$1372	$229
Nationwide	$1467	$249
State Farm	$1521	$256
Encompass	$2311	$393

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 Somersworth are offered by Hanover at $113. However, it can be as expensive as $1378 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Somersworth after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$113	$19
Safety Group	$172	$29
Concord Group	$196	$33
MAPFRE	$214	$36
Vermont Mutual	$226	$38
Safety	$618	$105
USAA	$713	$119
State Farm	$843	$143
Concord	$1051	$175
MMG	$1075	$183
Allstate	$1331	$222
Progressive	$1378	$234

Car Insurance Price Trends in Somersworth, New Hampshire

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

The average cost of full coverage in the Somersworth rose by $137 in January compared to $113 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the Somersworth rose to $37 in January, compared to $35 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 Somersworth?

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

What is the cheapest car insurance in Somersworth?

The cheapest car insurance in Somersworth is $51 per month for full coverage.

How much is car insurance in Somersworth for teenagers?

Car insurance for teenagers costs $137 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 Somersworth?

The average cost of car insurance is $613 for a six-month policy. It will cost around $103 per month to insure your car in Somersworth.

Is car insurance expensive in Somersworth?

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

What is the best car insurance in Somersworth, NH?

The best car insurance company in Somersworth NH is Hanover, offering $303 for a six-month policy.