Cheapest Car Insurance Quotes in West Swanzey

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West Swanzey 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 West Swanzey

The car insurance rate in West Swanzey is $619 for a six-month policy, which is $6 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $306, making it a popular choice for budget-conscious drivers. Rates in West Swanzey 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 Swanzey

$619

Avg. Car Insurance in New Hampshire

$613

National Average

$1278

Cheapest Car Insurance Companies in West Swanzey

1st place: Hanover

At $306 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 $318 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 $318 for six months, making it the third cheapest auto insurance company in West Swanzey.

West Swanzey Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Swanzey, NH is Hanover, offering policies at just $306 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $318.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1188 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Swanzey drivers find the best deals.

Cheap Car Insurance Companies in West Swanzey, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$306	$52
Safety Group	$318	$53
Vermont Mutual	$318	$55
MAPFRE	$336	$56
Concord Group	$372	$64
Encompass	$504	$84
USAA	$558	$94
Safety	$690	$116
Auto-Owners	$696	$118
Nationwide	$708	$119
MMG	$750	$126
Concord	$786	$131
Progressive	$870	$146
State Farm	$894	$150
Allstate	$1188	$200

Key Takeaways

Way's key takeaways about car insurance in West Swanzey

The auto insurance costs in West Swanzey fall around $306 for six months.
The cheapest auto insurance company in West Swanzey is Hanover.
Teen drivers pay the highest rate in West Swanzey at $430 per month.

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Cheapest Minimum Liability Car Insurance in West Swanzey

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 Swanzey are given below.

Hanover provides the cheapest minimum car insurance coverage in West Swanzey. Their Average 6 Month Premium is $102. Allstate is the most expensive at $438 for the same period.

Cheapest Liability Coverage in West Swanzey, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$102	$17
The Hanover	$132	$22
Safety Group	$144	$24
Vermont Mutual	$144	$24
MAPFRE	$162	$27
Concord Group	$174	$29
Encompass	$174	$29
USAA	$174	$29
Auto-Owners	$180	$30
MMG	$192	$32
Safety	$216	$36
Progressive	$264	$44
Concord	$342	$57
State Farm	$348	$59
Nationwide	$396	$66
Allstate	$438	$74

Cheapest Full Coverage Car Insurance in West Swanzey

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 Swanzey is Hanover at $52 per month and $306 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Swanzey, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$306	$52
Safety Group	$318	$53
Vermont Mutual	$318	$55
MAPFRE	$336	$56
Concord Group	$372	$64
Encompass	$504	$84
USAA	$558	$94
Safety	$690	$116
Auto-Owners	$696	$118
Nationwide	$708	$119
MMG	$750	$126
Concord	$786	$131
Progressive	$870	$146
State Farm	$894	$150
Allstate	$1188	$200

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Average Car Insurance in West Swanzey 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 Swanzey, NH increasing?

Despite maintaining a clean driving record, your car insurance rates in West Swanzey, 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 Swanzey'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 Swanzey

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 Swanzey,NH

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the West Swanzey at $23 per month. At $2532 for a six-month premium, Safety offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$138	$23
Concord Group	$258	$43
Auto-Owners	$264	$44
Safety Group	$264	$44
Vermont Mutual	$276	$46
MMG	$822	$138
USAA	$1278	$215
Concord	$1524	$260
State Farm	$1578	$266
Allstate	$2063	$350
Progressive	$2261	$381
Safety	$2532	$430

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 Swanzey, Hanover is the cheapest car insurance provider. At $96 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 Swanzey is State Farm, offering rates of around $3894 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$96	$16
Vermont Mutual	$168	$28
Safety Group	$174	$29
MAPFRE	$204	$34
Concord Group	$258	$43
Progressive	$930	$157
Safety	$1055	$176
Concord	$1146	$195
USAA	$1242	$207
Allstate	$1536	$262
MMG	$1722	$287
State Farm	$3894	$662

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Car Insurance Rates with An Accident in West Swanzey

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

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

The cheapest car insurance companies after an at-fault accident in West Swanzey include Vermont Mutual and MAPFRE, offering $168 and $216, respectively. Allstate is an expensive provider with an average six-month premium of $1830.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$168	$28
MAPFRE	$216	$36
The Hanover	$216	$36
Concord Group	$251	$42
Auto-Owners	$306	$51
Hanover	$312	$53
USAA	$510	$86
MMG	$516	$87
Encompass	$750	$125
Progressive	$1026	$173
State Farm	$1032	$174
Nationwide	$1110	$189
Concord	$1206	$201
Safety	$1236	$210
Allstate	$1830	$308

West Swanzey Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Swanzey NH. For example, the car insurance in West Swanzey after a DUI increases to $600 for a six month policy. While the rate increases by $108 for a six-month policy in the case of a speeding ticket.

West Swanzey auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$714	$119
Not-at-fault accident	$714	$121
One Med/PIP claim	$714	$119
One comp claim	$732	$124
Two Med/PIP claims	$732	$122
Two comp claims	$744	$126
Failure to show documents	$792	$132
Failure to wear a seat belt	$792	$134
At-fault accident - less than $1000	$804	$134
Child safety restraint	$804	$136
Driving without lights	$804	$134
Driving with expired registration	$822	$139
Speeding 11 - 15 MPH over limit	$822	$137
Speeding 16 - 20 MPH over limit	$822	$139
Speeding 6 - 10 MPH over limit	$822	$137
Driving too slowly	$828	$140
Failure to stop at a red light	$828	$138
Failure to yield	$828	$140
Following too closely	$828	$138
Illegal turn	$828	$140
In 65 MPH zone	$828	$138
Speeding in school zone	$828	$140
Wrong way/wrong lane	$828	$138
Speeding 21 - 25 MPH over limit	$846	$143
Improper passing	$851	$142
Cell phone violation	$900	$154
Texting while driving	$900	$150
At-fault accident - $1000-$2000	$924	$158
Passing school bus	$948	$158
Open container	$990	$169
At-fault accident - greater than $2000	$1032	$172
Operating a vehicle without permission	$1092	$186
Racing	$1230	$205
Reckless driving	$1272	$216
Driving with a suspended license	$1302	$217
DUI	$1314	$223
Refusal to submit to a chemical test	$1314	$219
Leaving scene of an accident/hit and run	$1344	$228

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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 Swanzey 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 Swanzey.

The cheapest car insurance premiums in West Swanzey are offered by MAPFRE at $240 for a six-month policy. However, it can be as expensive as $2334 with companies like Encompass.

West Swanzey car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$240	$40
Hanover	$294	$49
Concord Group	$306	$53
Auto-Owners	$348	$58
Progressive	$642	$108
MMG	$786	$132
USAA	$816	$137
Allstate	$1188	$200
Safety	$1380	$234
Concord	$1386	$231
Nationwide	$1482	$251
State Farm	$1536	$259
Encompass	$2334	$397

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 Swanzey are offered by Hanover at $114. However, it can be as expensive as $1392 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in West Swanzey after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$114	$19
Safety Group	$174	$29
Concord Group	$198	$33
MAPFRE	$216	$36
Vermont Mutual	$228	$38
Safety	$624	$106
USAA	$720	$120
State Farm	$851	$144
Concord	$1062	$177
MMG	$1086	$185
Allstate	$1344	$224
Progressive	$1392	$236

Car Insurance Price Trends in West Swanzey, New Hampshire

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

The average cost of full coverage in the West Swanzey rose by $138 in January compared to $114 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 Swanzey 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 West Swanzey?

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

What is the cheapest car insurance in West Swanzey?

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

How much is car insurance in West Swanzey for teenagers?

Car insurance for teenagers costs $138 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 Swanzey?

The average cost of car insurance is $613 for a six-month policy. It will cost around $104 per month to insure your car in West Swanzey.

Is car insurance expensive in West Swanzey?

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

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

The best car insurance company in West Swanzey NH is Hanover, offering $306 for a six-month policy.