Cheapest Car Insurance Quotes in South Hooksett

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South Hooksett Car Insurance

^$ 20

/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 South Hooksett

The car insurance rate in South Hooksett is $723 for a six-month policy, which is $110 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $358, making it a popular choice for budget-conscious drivers. Rates in South Hooksett 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 South Hooksett

$723

Avg. Car Insurance in New Hampshire

$613

National Average

$1278

Cheapest Car Insurance Companies in South Hooksett

1st place: Hanover

At $358 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 $372 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 $372 for six months, making it the third cheapest auto insurance company in South Hooksett.

South Hooksett Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Hooksett, NH is Hanover, offering policies at just $358 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $372.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1388 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Hooksett drivers find the best deals.

Cheap Car Insurance Companies in South Hooksett, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$358	$60
Safety Group	$372	$61
Vermont Mutual	$372	$64
MAPFRE	$393	$65
Concord Group	$434	$74
Encompass	$589	$98
USAA	$651	$110
Safety	$806	$136
Auto-Owners	$813	$138
Nationwide	$827	$139
MMG	$877	$148
Concord	$918	$153
Progressive	$1016	$171
State Farm	$1044	$176
Allstate	$1388	$234

Key Takeaways

Way's key takeaways about car insurance in South Hooksett

The auto insurance costs in South Hooksett fall around $358 for six months.
The cheapest auto insurance company in South Hooksett is Hanover.
Teen drivers pay the highest rate in South Hooksett at $503 per month.

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Cheapest Minimum Liability Car Insurance in South Hooksett

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 South Hooksett are given below.

Hanover provides the cheapest minimum car insurance coverage in South Hooksett. Their Average 6 Month Premium is $119. Allstate is the most expensive at $512 for the same period.

Cheapest Liability Coverage in South Hooksett, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$119	$20
The Hanover	$155	$26
Safety Group	$169	$28
Vermont Mutual	$169	$28
MAPFRE	$189	$32
Concord Group	$203	$34
Encompass	$203	$34
USAA	$203	$34
Auto-Owners	$210	$35
MMG	$224	$38
Safety	$253	$42
Progressive	$308	$52
Concord	$400	$66
State Farm	$407	$68
Nationwide	$463	$77
Allstate	$512	$86

Cheapest Full Coverage Car Insurance in South Hooksett

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 South Hooksett is Hanover at $60 per month and $358 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Hooksett, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$358	$60
Safety Group	$372	$61
Vermont Mutual	$372	$64
MAPFRE	$393	$65
Concord Group	$434	$74
Encompass	$589	$98
USAA	$651	$110
Safety	$806	$136
Auto-Owners	$813	$138
Nationwide	$827	$139
MMG	$877	$148
Concord	$918	$153
Progressive	$1016	$171
State Farm	$1044	$176
Allstate	$1388	$234

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Average Car Insurance in South Hooksett 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 South Hooksett, NH increasing?

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

Car Insurance Premiums by Age in South Hooksett

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 South Hooksett,NH

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the South Hooksett at $27 per month. At $2958 for a six-month premium, Safety offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$162	$27
Concord Group	$301	$51
Auto-Owners	$308	$52
Safety Group	$308	$52
Vermont Mutual	$322	$54
MMG	$961	$162
USAA	$1493	$251
Concord	$1781	$303
State Farm	$1843	$310
Allstate	$2411	$409
Progressive	$2642	$445
Safety	$2958	$503

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 South Hooksett, Hanover is the cheapest car insurance provider. At $112 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 South Hooksett is State Farm, offering rates of around $4549 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$112	$19
Vermont Mutual	$196	$33
Safety Group	$203	$34
MAPFRE	$238	$40
Concord Group	$301	$51
Progressive	$1087	$183
Safety	$1233	$205
Concord	$1339	$228
USAA	$1451	$242
Allstate	$1795	$306
MMG	$2012	$335
State Farm	$4549	$773

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Car Insurance Rates with An Accident in South Hooksett

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Hooksett

The cheapest car insurance companies after an at-fault accident in South Hooksett include Vermont Mutual and MAPFRE, offering $196 and $253, respectively. Allstate is an expensive provider with an average six-month premium of $2138.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$196	$33
MAPFRE	$253	$42
The Hanover	$253	$42
Concord Group	$294	$50
Auto-Owners	$358	$59
Hanover	$365	$61
USAA	$596	$100
MMG	$603	$101
Encompass	$877	$146
Progressive	$1199	$202
State Farm	$1206	$203
Nationwide	$1297	$221
Concord	$1409	$235
Safety	$1444	$245
Allstate	$2138	$360

South Hooksett Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Hooksett NH. For example, the car insurance in South Hooksett after a DUI increases to $701 for a six month policy. While the rate increases by $127 for a six-month policy in the case of a speeding ticket.

South Hooksett auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$834	$139
Not-at-fault accident	$834	$142
One Med/PIP claim	$834	$139
One comp claim	$856	$145
Two Med/PIP claims	$856	$143
Two comp claims	$870	$148
Failure to show documents	$925	$155
Failure to wear a seat belt	$925	$157
At-fault accident - less than $1000	$939	$157
Child safety restraint	$939	$159
Driving without lights	$939	$157
Driving with expired registration	$961	$163
Speeding 11 - 15 MPH over limit	$961	$160
Speeding 16 - 20 MPH over limit	$961	$163
Speeding 6 - 10 MPH over limit	$961	$160
Driving too slowly	$968	$164
Failure to stop at a red light	$968	$162
Failure to yield	$968	$164
Following too closely	$968	$162
Illegal turn	$968	$164
In 65 MPH zone	$968	$162
Speeding in school zone	$968	$164
Wrong way/wrong lane	$968	$162
Speeding 21 - 25 MPH over limit	$989	$168
Improper passing	$995	$166
Cell phone violation	$1051	$179
Texting while driving	$1051	$176
At-fault accident - $1000-$2000	$1080	$184
Passing school bus	$1108	$184
Open container	$1156	$197
At-fault accident - greater than $2000	$1206	$201
Operating a vehicle without permission	$1276	$217
Racing	$1437	$240
Reckless driving	$1486	$253
Driving with a suspended license	$1521	$254
DUI	$1535	$261
Refusal to submit to a chemical test	$1535	$256
Leaving scene of an accident/hit and run	$1571	$267

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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 South Hooksett 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 South Hooksett.

The cheapest car insurance premiums in South Hooksett are offered by MAPFRE at $281 for a six-month policy. However, it can be as expensive as $2727 with companies like Encompass.

South Hooksett car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$281	$47
Hanover	$343	$58
Concord Group	$358	$61
Auto-Owners	$407	$67
Progressive	$750	$126
MMG	$918	$155
USAA	$953	$160
Allstate	$1388	$234
Safety	$1612	$274
Concord	$1619	$270
Nationwide	$1731	$294
State Farm	$1795	$302
Encompass	$2727	$464

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 South Hooksett are offered by Hanover at $133. However, it can be as expensive as $1626 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in South Hooksett after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$133	$22
Safety Group	$203	$34
Concord Group	$231	$39
MAPFRE	$253	$42
Vermont Mutual	$267	$45
Safety	$729	$124
USAA	$841	$140
State Farm	$995	$169
Concord	$1240	$207
MMG	$1269	$216
Allstate	$1571	$262
Progressive	$1626	$276

Car Insurance Price Trends in South Hooksett, New Hampshire

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

The average cost of full coverage in the South Hooksett rose by $162 in January compared to $133 of December. In other words, there has been an increase by $29 when you compare January and December.

The average cost of liability insurance in the South Hooksett rose to $44 in January, compared to $41 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in South Hooksett?

The car insurance in South Hooksett is $20 per month, which is lower than the national average.

What is the cheapest car insurance in South Hooksett?

The cheapest car insurance in South Hooksett is $60 per month for full coverage.

How much is car insurance in South Hooksett for teenagers?

Car insurance for teenagers costs $162 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 South Hooksett?

The average cost of car insurance is $613 for a six-month policy. It will cost around $122 per month to insure your car in South Hooksett.

Is car insurance expensive in South Hooksett?

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

What is the best car insurance in South Hooksett, NH?

The best car insurance company in South Hooksett NH is Hanover, offering $358 for a six-month policy.