Cheap Quotes for Laconia, NH Car Insurance (2021)

Laconia, New Hampshire car insurance rates average $262 a month and New Hampshire law requires coverage of at least 25/50/25. By comparing rates from multiple Laconia, NH companies, you can find cheap Laconia car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Laconia, NH are $262/month
  • Average car insurance rates in Laconia, NH after a DUI are $3,654/year
  • Laconia has an average commute time of 20.2 minutes

How do the Laconia, New Hampshire monthly average car insurance rates of $262/month compare to nearby cities like Claremont car insurance rates, Dover car insurance rates, and Portsmouth car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Laconia, NH.

We’ll cover the New Hampshire minimum coverage requirements, New Hampshire car insurance laws, and Laconia, NH statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Laconia, New Hampshire companies to find the most affordable Laconia car insurance rates.

Enter your ZIP code above to find cheap Laconia, NH car insurance quotes today.

What are the minimum Laconia, NH car insurance requirements?

To meet New Hampshire minimum car insurance coverage requirements, Laconia, NH drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Laconia, New Hampshire

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Laconia, NH car insurance rates?

Three of the criteria that most affect car insurance rates in Laconia, New Hampshire are age, gender, and marital status. Let’s take a look at how each of these stack up with top Laconia car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Laconia, New Hampshire

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,801 $1,906 $1,940 $2,123 $3,701 $4,653 $1,885 $1,995
GEICO $1,098 $1,087 $982 $982 $2,677 $3,718 $1,145 $1,732
Liberty Mutual $5,037 $5,440 $4,096 $4,615 $18,717 $20,778 $5,299 $5,594
Nationwide $1,589 $1,610 $1,434 $1,502 $4,432 $5,619 $1,830 $1,962
Progressive $1,312 $1,189 $1,142 $1,155 $6,132 $6,770 $1,541 $1,540
State Farm $1,336 $1,336 $1,218 $1,218 $4,005 $4,969 $1,490 $1,690
USAA $989 $969 $924 $924 $4,280 $4,682 $1,241 $1,354

How much do teen drivers pay for car insurance in Laconia, NH?

Laconia, New Hampshire car insurance rates for teens are often higher than rates for other drivers. Compare Laconia car insurance rates from multiple Laconia, New Hampshire car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Laconia, New Hampshire

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $3,701 $4,653
GEICO $2,677 $3,718
Liberty Mutual $18,717 $20,778
Nationwide $4,432 $5,619
Progressive $6,132 $6,770
State Farm $4,005 $4,969
USAA $4,280 $4,682

How much do senior drivers pay for car insurance in Laconia, NH?

With a little research, seniors can find affordable car insurance in Laconia, New Hampshire. Here’s a look at how the top Laconia car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Laconia, New Hampshire

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,940 $2,123
GEICO $982 $982
Liberty Mutual $4,096 $4,615
Nationwide $1,434 $1,502
Progressive $1,142 $1,155
State Farm $1,218 $1,218
USAA $924 $924

How does coverage level affect Laconia, NH car insurance rates?

How much coverage do you need? Are you comfortable with the New Hampshire minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Laconia, NH car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Laconia, New Hampshire

Insurance Company Low Medium High
Allstate $2,419 $2,497 $2,585
GEICO $1,600 $1,668 $1,765
Liberty Mutual $8,324 $8,668 $9,099
Nationwide $2,651 $2,463 $2,378
Progressive $2,469 $2,597 $2,726
State Farm $2,051 $2,160 $2,262
USAA $1,846 $1,917 $1,998

How does your driving record affect Laconia, NH car insurance rates?

Safe driving pays off. The more traffic violations you have in Laconia, NH, the higher your car insurance rates will be. Compare rates based on driving infractions from top Laconia, New Hampshire companies.

Annual Laconia, New Hampshire Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,078 $2,826 $2,673 $2,424
GEICO $1,502 $1,659 $2,049 $1,502
Liberty Mutual $5,459 $9,896 $10,120 $9,314
Nationwide $1,923 $2,670 $3,261 $2,135
Progressive $2,230 $3,089 $2,458 $2,613
State Farm $1,985 $2,128 $2,533 $1,985
USAA $1,481 $1,995 $2,483 $1,722

How does a DUI affect Laconia, NH car insurance rates?

With even one DUI on your record, you can see an increase in your Laconia, NH car insurance rates.

Annual Car Insurance Rates After a DUI in Laconia, New Hampshire

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $2,673
GEICO $2,049
Liberty Mutual $10,120
Nationwide $3,261
Progressive $2,458
State Farm $2,533
USAA $2,483

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How does your credit history affect Laconia, NH car insurance rates?

Take a look at the data here to see how your Laconia, New Hampshire car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Laconia, New Hampshire

Insurance Company Poor Fair Good
Allstate $3,074 $2,278 $2,150
GEICO $1,987 $1,628 $1,418
Liberty Mutual $12,449 $7,654 $5,988
Nationwide $2,906 $2,385 $2,201
Progressive $2,879 $2,534 $2,380
State Farm $3,054 $1,902 $1,517
USAA $2,603 $1,714 $1,444

How does your commute affect Laconia, NH car insurance rates?

Laconia, NH car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for New Hampshire can be seen here. Remember, though, that you may have to carry substantially more car insurance in Laconia if you’re financing.

Annual Car Insurance Rates by Commute Length in Laconia, New Hampshire

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,467 $2,534
GEICO $1,663 $1,692
Liberty Mutual $8,697 $8,697
Nationwide $2,497 $2,497
Progressive $2,598 $2,598
State Farm $2,108 $2,208
USAA $1,901 $1,940

Who has the cheapest Laconia, NH car insurance rates?

Here’s a breakdown of Laconia, New Hampshire car insurance rates by company. You can see which company offers the cheapest Laconia car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Laconia, New Hampshire

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

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What are the top Laconia, NH car insurance companies?

Which Laconia, New Hampshire car insurance company will best fit your needs and budget? Check out this comparison of the top Laconia companies to find the one for you.

Average Annual Car Insurance Rates by Company in Laconia, New Hampshire

Insurance Company Average Annual Rates
Allstate $2,501
GEICO $1,678
Liberty Mutual $8,697
Nationwide $2,497
Progressive $2,598
State Farm $2,158
USAA $1,920

What factors affect Laconia, NH car insurance rates?

Why are Laconia, New Hampshire car insurance rates different than rates in Claremont or Dover? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Laconia, NH?

FBI statistics show that the Laconia, New Hampshire car theft rate is 43 thefts each year. High theft rates can lead to higher than average Laconia, NH car insurance rates.

How long is the average commute in Laconia, NH?

More time spent behind the wheel can lead to higher Laconia, New Hampshire car insurance rates. In Laconia, NH, the average commute length is 20.2 minutes.

Car Insurance Quotes for Laconia, NH

Shop for affordable Laconia, New Hampshire car insurance rates today. Enter your ZIP code to compare quotes from multiple Laconia, NH car insurance companies.

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