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Cheap Car Insurance in Concord, New Hampshire

Illustration of van driving by Freeway Insurance headquarters

As the capital city of New Hampshire, Concord is steeped with historical tradition and is a bustling small town. Concord offers a quaint downtown and nature experiences such the Merrimack River and its never-ending cavalcade of kayaks and canoes. We are also big fans of Winant Park — an 85-acre heavily forested oasis with lush green spaces and majestic mountain views.

Some of Concord’s most popular attractions include the New Hampshire State House, the Historic Pierce Manse, Cater Hill Orchard, and the Capitol Center for the Arts.

Car insurance in New Hampshire is not mandatory. However, if you are the at-fault driver in a car wreck, you will be financially responsible for injuries and damages suffered by the other people involved in the crash.

Read on to learn more about car insurance in Concord, including average rates paid by zip code, penalties for driving without insurance, and a word on who maintains roads and bridges in the city.

Quick Facts

  • Concord is the capital of New Hampshire.
  • The 14th U.S. president, Franklin Pierce, lived in Concord for a large portion of his life.
  • The world’s largest meatball, a 222-pound behemoth by Nonni’s Italian Eatery chef Matthew Mitnitsky, was concocted in Concord.
  • The alarm clock was invented in Concord.

How Much Does Car Insurance Cost in Concord, New Hampshire?

Expect to pay an average monthly rate of $37 if you choose to buy the cheapest car insurance in Concord. Most people won’t qualify for this extremely low rate, but it’s the average for the state-required minimum liability insurance you are required to purchase if you choose to buy insurance. The average for the state overall for the minimum coverage is $32 per month, while nationally, drivers pay on average $47 per month.

Full coverage car insurance in Concord averages $87 per month. That includes your liability insurance, plus comprehensive car insurance and collision auto insurance. In New Hampshire overall, the average cost for full coverage is $106 per month, while nationally, drivers pay on average $140 per month.

Remember, New Hampshire does not require insurance. However, if you cause an accident, you will be liable for injuries and damages. If you cannot cover it all financially, you will be open to being sued. In this situation, you could lose assets such as your home.

If you do choose to protect yourself with auto insurance, you will be required to purchase at least the minimum amount of liability, uninsured motorist coverage and MedPay.

How does Concord compare with other New Hampshire cities? In different cities across New Hampshire, expect to pay these average monthly rates.

City Full Coverage Insurance Liability Insurance Coverage
Concord $87 $37
Manchester $107 $47
Nashua $100 $43
Portsmouth $93 $37

Affordable Car Insurance Rates by Zip Code in Concord

Zip codes with higher reported thefts, vandalism, and a disproportionately larger percentage of younger drivers can expect to pay higher rates than other zip codes. Remember, the higher the collective risk profile, the higher the rates.

For your zip code in Concord, expect to pay these average monthly rates.

Zip Code Full Coverage Insurance Liability Insurance Coverage
03301 $87 $37
03303 $86 $36
03305 $87 $37

Low-Cost Car Insurance Rates by Age in Concord

Age affects how much you pay in monthly insurance premiums. Drivers in their 40s and 50s can expect to pay lower premiums than drivers ages 16-19.

For your age group in Concord, expect to pay these average monthly rates.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $277 $116
20s $131 $51
30s $87 $37
40s $79 $34
50s $75 $32
60s $82 $35
70s $98 $43

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by New Hampshire. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase. 

Get a Quote for Car Insurance in New Hampshire Today!

Driving Conditions in Concord, New Hampshire

How Many Fatal Accidents Happen in Concord?

In 2019, there were three fatal traffic accidents in Concord, involving six vehicles and resulting in three fatalities.

How Are the Road Infrastructure and Bridges in Concord?

Concord’s Public Works Department is responsible for all its roads and bridges with a focus on its Highways and Utilities Division, which works to maintain and repair drainage collection, streets, sewer/water, and other essential utilities. Projects run throughout the year (e.g., its Neighborhood Street Paving Program, which focuses on road paving).

For more information on Concord’s Public Works services, visit Concord General Services – Public Works.

Minimum Car Insurance Requirements in Concord, N.H.

If you drive in Concord and you opt to buy car insurance, you must meet the following liability car insurance minimums:

Note: New Hampshire is an at-fault state, meaning all medical expenses, lost wages, and damages incurred in an accident are paid by the person determined to be at fault. One party may initiate third-party claims with another person’s insurance provider or they may sue if the at-fault driver is not insured and cannot pay.

At-fault states work on a percentage of fault basis as well. So, for example, if a collision resulted in $150,000 worth of damages and a court decides you were 15% responsible for the crash, expect to contribute $22,500 out of pocket if you opt to purchase only the minimum.

What Are the Penalties for Driving Without Insurance in Concord, New Hampshire?

New Hampshire does not require auto insurance. However, if you do not have insurance, you will be on the hook for all medical and property damage bills incurred by other drivers in a wreck if you are the at-fault driver.

Factors Allowed in Concord Car Insurance Rates

Auto insurance companies use numerous rating factors to set your insurance premiums.

Some of these factors include:

  • Age
  • Gender
  • Zip Code
  • Credit Score
  • Type of Vehicle
  • Driving Record
  • Marital Status

Do not forget your policy’s composition. Those who meet the minimum required insurance with high deductibles should expect to pay lower premiums than high liability limit policies with full coverage (comprehensive and collision insurance).

Discounts for Car Insurance in Concord, New Hampshire

There are many ways to save money on your car insurance in Concord. You may qualify for discounts, so be sure and ask your agent. If your circumstances change, for example, if you begin working from home, call your agent. That could lead to a low mileage discount!

Other car insurance discounts include:

Get an Online Quote for Low-Cost Car Insurance in Concord Today!

Arial view of New Hampshire State House in Concord, NH

Freeway Insurance is here to help you find an affordable auto policy to protect you and your loved ones in the event of an accident.

To get started, request a free online car insurance quote, visit us at an office near you, or call 800-777-5620 to speak with one of our friendly agents.