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Finding the cheapest car insurance quotes in Spofford shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Spofford
The car insurance rate in Spofford is $579 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $299, making it a popular choice for budget-conscious drivers. Rates in Spofford 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.
At $299 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 $299 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 $299
for six months, making it
the third cheapest auto insurance company in Spofford.
Spofford Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Spofford, NH is Hanover, offering policies at just $299 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $299.
At the higher end of the spectrum, The Hanover is the most expensive, with rates reaching $858 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Spofford drivers find the best deals.
Way's key takeaways about car insurance in Spofford
The auto insurance costs in Spofford fall around $299 for six
months.
The cheapest auto insurance company in Spofford is Hanover.
Teen drivers pay the highest rate in Spofford at $342 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Spofford
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 Spofford are given below.
Hanover provides
the cheapest minimum car insurance
coverage in Spofford. Their Average 6 Month Premium is $96.
Allstate is the most
expensive at $446 for the same
period.
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 Spofford is Hanover
at $50 per month and $299
for six months.
Cheapest Full Coverage Car Insurance Quotes in Spofford,
NH
Get Your Car Insurance Quote in Spofford
Instantly!
Average Car Insurance in Spofford 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 Spofford, NH increasing?
Despite maintaining a clean driving record, your car insurance rates
in Spofford, 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, Spofford's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Spofford
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Spofford,NH
If you are planning to get a car insurance policy for your teenage
dependent, Concord Group provides the cheapest car
insurance in the Spofford at $41
per
month. At $2054 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Spofford.
As young drivers face the highest rates in Spofford, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Spofford,
Vermont Mutual is
the cheapest car insurance provider. At $158 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
Spofford is State Farm, offering
rates of around $2291 for six
months.
Save up to $971/yr on car insurance rates in Spofford.
Car Insurance Rates with An Accident in Spofford
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 Spofford, NH,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Spofford
The cheapest car insurance companies after an at-fault accident in
Spofford include Vermont Mutual
and MMG, offering $158
and $192,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1637.
Here is a list of driving violations that can increase your car
insurance rates in Spofford NH. For example, the car
insurance in Spofford
after a DUI increases to $564 for a six
month policy. While the rate increases by $101 for a six-month policy in the case of
a speeding ticket.
Spofford auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$672
$112
Not-at-fault accident
$672
$114
One Med/PIP claim
$672
$112
One comp claim
$689
$117
Two Med/PIP claims
$689
$115
Two comp claims
$700
$119
Failure to show documents
$745
$124
Failure to wear a seat belt
$745
$126
At-fault accident - less than $1000
$756
$126
Child safety restraint
$756
$128
Driving without lights
$756
$126
Driving with expired registration
$773
$131
Speeding 11 - 15 MPH over limit
$773
$129
Speeding 16 - 20 MPH over limit
$773
$131
Speeding 6 - 10 MPH over limit
$773
$129
Driving too slowly
$779
$132
Failure to stop at a red light
$779
$130
Failure to yield
$779
$132
Following too closely
$779
$130
Illegal turn
$779
$132
In 65 MPH zone
$779
$130
Speeding in school zone
$779
$132
Wrong way/wrong lane
$779
$130
Speeding 21 - 25 MPH over limit
$796
$135
Improper passing
$801
$134
Cell phone violation
$846
$144
Texting while driving
$846
$142
At-fault accident - $1000-$2000
$869
$148
Passing school bus
$892
$148
Open container
$931
$159
At-fault accident - greater than $2000
$971
$162
Operating a vehicle without permission
$1027
$175
Racing
$1157
$193
Reckless driving
$1196
$203
Driving with a suspended license
$1225
$204
DUI
$1236
$210
Refusal to submit to a chemical test
$1236
$206
Leaving scene of an accident/hit and run
$1264
$215
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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 Spofford 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 Spofford.
The cheapest car insurance premiums in
Spofford are
offered by MAPFRE at $226 for a six-month policy.
However, it can be as
expensive as $2195 with companies
like Encompass.
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 Spofford are offered by Safety Group
at $163. However,
it can be as expensive as $1264
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Spofford after Speeding ticket
Car Insurance Price Trends in Spofford,
New Hampshire
Car insurance rates in Spofford have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Spofford remained steady at $107 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Spofford remained steady at $33 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Spofford by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Spofford. At $1157 for a
six-month policy, insuring
your car at 3462 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Spofford?
The car insurance in Spofford is $16 per month, which is lower than the national average.
What is the cheapest car insurance in Spofford?
The cheapest car insurance in Spofford
is $50 per month
for full coverage.
How much is car insurance in Spofford for teenagers?
Car insurance for teenagers costs $242 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
Spofford?
The average cost of car insurance is $609 for a six-month
policy. It will cost around $97 per month to insure your
car in Spofford.
Is car insurance expensive in Spofford?
Car insurance can be expensive in Spofford if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Spofford can be
affordable.
What is the best car insurance in Spofford,
NH?
The best car insurance company in Spofford
NH is
Hanover, offering $299 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Spofford, NH
Car Insurance Rates by State in the USA (2025 Update)
Spofford Car Insurance
