Car Insurance in Portsmouth, NH
Compare, shop and customize quotes from top-rated insurance carriers.
Safe Driving in Portsmouth, NH
Portsmouth packs a lot of fun in its small-town borders. This coastal city teems with entertainment options, mouthwatering cuisine and opportunities for biking, fishing, sailing and other outdoor activities. The ranks of about 22,700 people swell in the summer as folks from all corners flock to enjoy Portsmouth.
Reliable car insurance in Portsmouth, NH, is important year-round, whether it is tourist season with more traffic jams and rain, or the winter with high snowfall. Portsmouth averages 16.7 inches of snow in January and sees serious accumulation six months of the year.
COAST offers public transportation in Portsmouth and the Seacoast region, but cars give residents much more freedom and flexibility. In fact, the average household in Portsmouth owns two cars. You can use VIU by HUB to streamline the process of finding the right insurance to give you protection and peace of mind, no matter how you use your vehicle.
How Much Car Insurance in Portsmouth, NH Costs
Auto insurance in Portsmouth averages $98 a month or $1,170 a year. Many variables affect how much individual drivers pay, though, and motorists often pay more or less than the average.
- Type of coverage you select and the limits:You pay a little more per month for more protection.
- Your driving history:If you have a clean driving history, insurers see you as a lower risk and charge you lower rates.
- Your age and gender:Teens and males are typically perceived as higher risk.
- Make and model of your car:More expensive cars cost more in insurance, and some vehicles are more at risk of theft.
- Discounts:You could be eligible for discounts such as anti-theft devices, auto/home packages, good driver and low annual mileage.
Other factors influencing rates include the other drivers in your household and their histories, your marital status, how you use your car and the miles you drive, your credit history and where in Portsmouth you garage the auto.
Required Car Insurance in Portsmouth, NH
New Hampshire does not require car insurance but does mandate that drivers be financially responsible for injuries and damage they cause. In effect, the state strongly urges drivers to have a minimum of 25/50/25 liability protection for accidents they cause.
It offers coverage of $25,000 bodily injury to one person per accident, $50,000 for bodily injuries for two or more people per accident and $25,000 for property damage per accident. State law says that at least $1,000 of medical payments coverage is required if your auto insurance is for personal purposes. This coverage helps regardless of fault with medical expenses stemming from car accidents.
Also mandated if you have insurance is uninsured motorists coverage. It comes in helpful if you're involved in an accident with an at-fault driver who does not have insurance or if you're the victim of a hit-and-run. This coverage also comes in handy with injuries if you're involved in an accident with a driver who has some insurance but not as much as yours.
Optional Physical Damage Protection
Lenders usually require collision (contact with another vehicle or object such as a tree) and comprehensive (theft, vandalism, contact with an animal and anything else collision does not cover). Both types of insurance offer physical damage protection to repair or replace your car if needed. Fortunately, car insurance in Portsmouth, NH, can be pretty straightforward with VIU by HUB rate comparisons. You can review quotes from multiple insurers easily to find the coverage that fits you best.
This information is intended for general informational purposes only and is not intended to constitute legal advice.