Cheapest Car Insurance Quotes in West Stewartstown

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West Stewartstown Car Insurance

^$ 18

/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 West Stewartstown

The car insurance rate in West Stewartstown is $638 for a six-month policy, which is $25 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $315, making it a popular choice for budget-conscious drivers. Rates in West Stewartstown 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 West Stewartstown

$638

Avg. Car Insurance in New Hampshire

$613

National Average

$1278

Cheapest Car Insurance Companies in West Stewartstown

1st place: Hanover

At $315 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 $328 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 $328 for six months, making it the third cheapest auto insurance company in West Stewartstown.

West Stewartstown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Stewartstown, NH is Hanover, offering policies at just $315 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $328.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1223 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Stewartstown drivers find the best deals.

Cheap Car Insurance Companies in West Stewartstown, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$315	$53
Safety Group	$328	$54
Vermont Mutual	$328	$56
MAPFRE	$346	$57
Concord Group	$383	$66
Encompass	$519	$86
USAA	$574	$97
Safety	$710	$120
Auto-Owners	$717	$122
Nationwide	$729	$123
MMG	$773	$130
Concord	$809	$135
Progressive	$895	$151
State Farm	$920	$155
Allstate	$1223	$206

Key Takeaways

Way's key takeaways about car insurance in West Stewartstown

The auto insurance costs in West Stewartstown fall around $315 for six months.
The cheapest auto insurance company in West Stewartstown is Hanover.
Teen drivers pay the highest rate in West Stewartstown at $443 per month.

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Cheapest Minimum Liability Car Insurance in West Stewartstown

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 West Stewartstown are given below.

Hanover provides the cheapest minimum car insurance coverage in West Stewartstown. Their Average 6 Month Premium is $105. Allstate is the most expensive at $451 for the same period.

Cheapest Liability Coverage in West Stewartstown, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$105	$18
The Hanover	$136	$23
Safety Group	$149	$25
Vermont Mutual	$149	$25
MAPFRE	$166	$28
Concord Group	$179	$30
Encompass	$179	$30
USAA	$179	$30
Auto-Owners	$185	$31
MMG	$198	$33
Safety	$223	$37
Progressive	$271	$46
Concord	$353	$58
State Farm	$359	$60
Nationwide	$408	$68
Allstate	$451	$76

Cheapest Full Coverage Car Insurance in West Stewartstown

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 West Stewartstown is Hanover at $53 per month and $315 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Stewartstown, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$315	$53
Safety Group	$328	$54
Vermont Mutual	$328	$56
MAPFRE	$346	$57
Concord Group	$383	$66
Encompass	$519	$86
USAA	$574	$97
Safety	$710	$120
Auto-Owners	$717	$122
Nationwide	$729	$123
MMG	$773	$130
Concord	$809	$135
Progressive	$895	$151
State Farm	$920	$155
Allstate	$1223	$206

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Average Car Insurance in West Stewartstown 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 West Stewartstown, NH increasing?

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

Car Insurance Premiums by Age in West Stewartstown

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 West Stewartstown,NH

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the West Stewartstown at $24 per month. At $2607 for a six-month premium, Safety offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$142	$24
Concord Group	$265	$45
Auto-Owners	$271	$46
Safety Group	$271	$46
Vermont Mutual	$284	$48
MMG	$847	$142
USAA	$1316	$222
Concord	$1569	$267
State Farm	$1624	$274
Allstate	$2125	$361
Progressive	$2329	$392
Safety	$2607	$443

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 West Stewartstown, Hanover is the cheapest car insurance provider. At $99 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 West Stewartstown is State Farm, offering rates of around $4009 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$99	$17
Vermont Mutual	$173	$29
Safety Group	$179	$30
MAPFRE	$210	$35
Concord Group	$265	$45
Progressive	$958	$161
Safety	$1087	$181
Concord	$1180	$201
USAA	$1279	$213
Allstate	$1582	$269
MMG	$1773	$295
State Farm	$4009	$681

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Car Insurance Rates with An Accident in West Stewartstown

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

Cheapest Car Insurance Companies after an At-Fault Accident in West Stewartstown

The cheapest car insurance companies after an at-fault accident in West Stewartstown include Vermont Mutual and MAPFRE, offering $173 and $223, respectively. Allstate is an expensive provider with an average six-month premium of $1884.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$173	$29
MAPFRE	$223	$37
The Hanover	$223	$37
Concord Group	$259	$44
Auto-Owners	$315	$52
Hanover	$321	$54
USAA	$525	$88
MMG	$531	$89
Encompass	$773	$129
Progressive	$1057	$178
State Farm	$1063	$179
Nationwide	$1143	$194
Concord	$1242	$207
Safety	$1273	$216
Allstate	$1884	$317

West Stewartstown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Stewartstown NH. For example, the car insurance in West Stewartstown after a DUI increases to $618 for a six month policy. While the rate increases by $112 for a six-month policy in the case of a speeding ticket.

West Stewartstown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$735	$123
Not-at-fault accident	$735	$125
One Med/PIP claim	$735	$123
One comp claim	$754	$128
Two Med/PIP claims	$754	$126
Two comp claims	$766	$130
Failure to show documents	$815	$136
Failure to wear a seat belt	$815	$138
At-fault accident - less than $1000	$828	$138
Child safety restraint	$828	$140
Driving without lights	$828	$138
Driving with expired registration	$847	$144
Speeding 11 - 15 MPH over limit	$847	$141
Speeding 16 - 20 MPH over limit	$847	$144
Speeding 6 - 10 MPH over limit	$847	$141
Driving too slowly	$853	$145
Failure to stop at a red light	$853	$142
Failure to yield	$853	$145
Following too closely	$853	$142
Illegal turn	$853	$145
In 65 MPH zone	$853	$142
Speeding in school zone	$853	$145
Wrong way/wrong lane	$853	$142
Speeding 21 - 25 MPH over limit	$872	$148
Improper passing	$877	$147
Cell phone violation	$927	$158
Texting while driving	$927	$155
At-fault accident - $1000-$2000	$952	$162
Passing school bus	$977	$162
Open container	$1019	$174
At-fault accident - greater than $2000	$1063	$177
Operating a vehicle without permission	$1124	$191
Racing	$1267	$211
Reckless driving	$1309	$223
Driving with a suspended license	$1341	$224
DUI	$1353	$230
Refusal to submit to a chemical test	$1353	$226
Leaving scene of an accident/hit and run	$1384	$235

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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 West Stewartstown 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 West Stewartstown.

The cheapest car insurance premiums in West Stewartstown are offered by MAPFRE at $248 for a six-month policy. However, it can be as expensive as $2403 with companies like Encompass.

West Stewartstown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$248	$42
Hanover	$303	$51
Concord Group	$315	$54
Auto-Owners	$359	$59
Progressive	$661	$111
MMG	$809	$136
USAA	$840	$141
Allstate	$1223	$206
Safety	$1421	$241
Concord	$1427	$238
Nationwide	$1526	$259
State Farm	$1582	$266
Encompass	$2403	$409

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 West Stewartstown are offered by Hanover at $118. However, it can be as expensive as $1433 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in West Stewartstown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$118	$20
Safety Group	$179	$30
Concord Group	$204	$34
MAPFRE	$223	$37
Vermont Mutual	$235	$40
Safety	$643	$109
USAA	$742	$124
State Farm	$877	$149
Concord	$1093	$182
MMG	$1118	$190
Allstate	$1384	$231
Progressive	$1433	$243

Car Insurance Price Trends in West Stewartstown, New Hampshire

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

The average cost of full coverage in the West Stewartstown rose by $142 in January compared to $118 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 West Stewartstown rose to $38 in January, compared to $36 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 West Stewartstown?

The car insurance in West Stewartstown is $18 per month, which is lower than the national average.

What is the cheapest car insurance in West Stewartstown?

The cheapest car insurance in West Stewartstown is $53 per month for full coverage.

How much is car insurance in West Stewartstown for teenagers?

Car insurance for teenagers costs $142 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 West Stewartstown?

The average cost of car insurance is $613 for a six-month policy. It will cost around $107 per month to insure your car in West Stewartstown.

Is car insurance expensive in West Stewartstown?

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

What is the best car insurance in West Stewartstown, NH?

The best car insurance company in West Stewartstown NH is Hanover, offering $315 for a six-month policy.