Car Insurance Cost in Concord, NH – 2025 Cheapest Rates + Rankings

• Average Concord car insurance cost is $1,826 per year, or around $152 per month.
• Compact SUVs like the Volkswagen Tiguan, Ford Bronco Sport, Buick Envision, and Nissan Kicks have the best chance of getting cheap car insurance in Concord.
• Car insurance quotes in Concord can range from as little as $29 per month for liability-only insurance to well over $688 per month for accident or violation prone drivers.

How much does car insurance cost in Concord?

Concord car insurance costs an average of $1,826 per year, which is 19.5% less than the overall U.S. national average rate of $2,221. The average monthly cost of car insurance in Concord is $152 for a policy with full coverage.

In the state of New Hampshire, average auto insurance cost is $1,898 per year, so the average cost in Concord is $72 less per year. The cost to insure a car in Concord compared to other New Hampshire locations is about $80 per year cheaper than in Dover, $220 per year less than in Manchester, and $32 per year less than in Rochester.

The age of the rated driver is the single-largest factor that determines the cost of car insurance. The list below illustrates this point by breaking out average car insurance rates in Concord depending on driver age.

Concord, NH, car insurance cost for drivers age 16 to 60

• 16-year-old rated driver – $6,508 per year or $542 per month
• 17-year-old rated driver – $6,304 per year or $525 per month
• 18-year-old rated driver – $5,649 per year or $471 per month
• 19-year-old rated driver – $5,146 per year or $429 per month
• 20-year-old rated driver – $3,676 per year or $306 per month
• 30-year-old rated driver – $1,950 per year or $163 per month
• 40-year-old rated driver – $1,826 per year or $152 per month
• 50-year-old rated driver – $1,622 per year or $135 per month
• 60-year-old rated driver – $1,518 per year or $127 per month

The next chart shows additional information for drivers age 20 to 60 by including rates for three different physical damage deductibles. Showing these different rates can help you understand how car insurance rates increase with lower deductibles, and decreases on a high-deductible policy.

The average cost of auto insurance per month in Concord is $152, and ranges from $107 to $356 for the data in the chart above.

Auto insurance rates can have a very wide price range and depend on a lot of factors. The high chance of significant rate differences increases the need to get multiple car insurance quotes when shopping around for the cheapest rate.

The models that have high popularity in Concord tend to be compact and midsize sedans like the Nissan Sentra, Hyundai Elantra, and Toyota Camry and small or midsize SUVs like the Toyota RAV4 and Jeep Grand Cherokee.

Some additional popular models in Concord from other vehicle segments include luxury models like the Acura ILX, Lexus RX 350, and Cadillac XT5 and sports cars like the Nissan GT-R, Ford Mustang, and Audi TT.

We explore many more car rates a little farther down this article, but before we get into that data, let’s take a condensed look at some of the key ideas covered so far in the article.

• Low deductible auto insurance costs more – A 30-year-old driver pays an average of $494 more per year for a policy with $250 deductibles versus $1,000 deductibles.
• Concord auto insurance rates are cheaper than the New Hampshire state average – $1,826 (Concord average) versus $1,898 (New Hampshire average)
• Auto insurance for teen drivers can be expensive – Rates can range from $4,349 to $6,508 per year for teenage driver insurance in Concord.
• Average cost per month ranges from $127 to $542 – That is the average auto insurance price range for drivers age 16 to 60 in Concord, New Hampshire.
• Teen girls pay cheaper rates than teenage males – Female drivers age 16 to 19 pay $797 to $434 less each year than male drivers of the same age.
• Concord average car insurance cost is less than the U.S. average – $1,826 (Concord average) versus $2,221 (U.S. average)

What is the cheapest car insurance in Concord, NH?

When every make and model is compared, the models with the cheapest average insurance rates in Concord, NH, tend to be crossover SUVs like the Subaru Crosstrek, Kia Soul, Hyundai Venue, and Buick Envision.

Average insurance prices for those models cost $1,484 or less per year, or $124 per month, for full coverage car insurance.

Some other vehicles that have low-cost auto insurance prices in our car insurance price comparison are the Subaru Outback, Kia Niro, Ford Bronco Sport, and Nissan Murano. The average cost is a few dollars per month higher for those models than the cheapest small SUVs that rank near the top, but they still have an average cost of $1,588 or less per year in Concord.

The next table details the vehicles with the cheapest overall insurance rates in Concord, sorted by average cost.

A table showing 30 vehicles with the cheapest insurance in Concord doesn’t really give a comprehesive view of Concord insurance rates. A more thorough way to look at rates for many more vehicles is to break them out by vehicle segment. The six sections below rank the top 20 models with the cheapest insurance rates for each of the main vehicle segments.

Cheapest car insurance rates in Concord

Ranking in the top five for the most affordable Concord auto insurance rates in the non-luxury sedan or hatchback segment are the Nissan Leaf, Honda Civic, Nissan Sentra, Subaru Impreza, and Toyota GR Corolla. Car insurance rates for these models average $140 or less per month.

Additional cars that are affordable to insure include the Honda Accord, Toyota Corolla, Chevrolet Malibu, and Kia K5, with an average cost to insure of $1,782 per year or less.

In the bottom half of the top 20, cars like the Hyundai Sonata, Toyota Crown, Mazda 3, Mitsubishi Mirage G4, Volkswagen Jetta, and Volkswagen Arteon cost between $1,782 and $1,888 per year to insure in Concord.

On a monthly basis, auto insurance rates in this segment for a good driver starts at around $133 per month, depending on the company and where you live.

If vehicle size is considered, the cheapest non-luxury compact car to insure in Concord is the Toyota GR Corolla at $1,590 per year. For midsize models, the Kia K5 is cheapest to insure at $1,758 per year. And for large cars, the Chrysler 300 has the best rates at $1,740 per year.

The next table ranks the twenty cars with the cheapest insurance in Concord.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Looking for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in New Hampshire.

Cheapest SUVs to insure in Concord, NH

The Subaru Crosstrek takes the #1 ranking as the cheapest SUV to insure in Concord, followed by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model averages $1,350 per year to insure for full coverage.

Additional SUVs that have affordable average insurance rates include the Mazda CX-5, Ford Bronco Sport, Toyota Corolla Cross, and Buick Envision, with an average cost of $1,498 per year or less.

Car insurance in this segment starts at an average of $113 per month, depending on where you live.

When ranked by vehicle size, the lowest-cost compact SUV to insure in Concord is the Subaru Crosstrek at $1,350 per year. For midsize 2024 models, the Honda Passport has the cheapest rates at $1,456 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $1,716 per year.

The comparison table below ranks the twenty SUVs with the most affordable car insurance in Concord, starting with the Subaru Crosstrek at $1,350 per year ($113 per month) and ending with the Subaru Ascent at $1,592 per year ($133 per month).

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Need rates for a different SUV? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Concord car insurance quotes from top-rated companies in New Hampshire.

Cheapest sports cars to insure in Concord

The #1 ranking in Concord for cheapest insurance in the sports car segment is the Mazda MX-5 Miata, with a cost of $1,692 per year. Second place is the Toyota GR86 at $1,928 per year, and third place goes to the Ford Mustang, at an average of $2,008 per year.

Additional models that have cheaper rates include the Toyota GR Supra, BMW M2, Subaru BRZ, and Nissan Z, with average insurance cost of $2,184 per year or less.

From a cost per month standpoint, auto insurance on this segment in Concord for the average driver can cost as low as $141 per month, depending on the company. The table below ranks the twenty sports cars with the cheapest average auto insurance rates in Concord.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Concord.

Cheapest pickup insurance rates in Concord

The Chevrolet Colorado takes the top ranking for the most affordable pickup to insure in Concord, followed by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model averages $1,608 per year to insure for full coverage.

Some other pickups that are affordable to insure are the Toyota Tacoma, Hyundai Santa Cruz, Honda Ridgeline, and GMC Canyon, with an average car insurance cost of $1,878 per year or less.

As a cost per month, auto insurance rates on this segment in Concord for an average middle-age driver starts at around $134 per month, depending on your company and location. The next table ranks the pickups with the lowest-cost car insurance in Concord.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for insurance rates for a different truck? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Concord car insurance quotes from top-rated car insurance companies in New Hampshire.

Cheapest luxury cars to insure in Concord

In our comparison, the top five cheapest luxury car models to insure in Concord are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Auto insurance rates for these five models range from $1,626 to $1,892 per year.

Also ranking well are models like the Genesis G70, Mercedes-Benz AMG CLA35, Cadillac CT4, and Lexus RC 300, with an average car insurance cost of $1,922 per year or less.

In the bottom half of the top 20, cars like the Jaguar XF, Lexus IS 350, BMW 228i, Lexus ES 250, BMW 330e, and Audi S3 cost between $1,922 and $2,050 per year for auto insurance in Concord.

On a monthly basis, full-coverage auto insurance in Concord on this segment for a good driver can cost as low as $136 per month, depending on your location.

If prices are ranked by vehicle size, the cheapest small luxury car to insure in Concord is the Acura Integra at $1,626 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,880 per year. And for large luxury cars, the Audi A5 is most affordable to insure at $2,170 per year.

The rate comparison table below ranks the twenty cars with the cheapest insurance in Concord, starting with the Acura Integra at $1,626 per year ($136 per month) and ending with the Audi S3 at $2,050 per year ($171 per month).

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see rates for your luxury car? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Concord car insurance quotes from top-rated companies in New Hampshire.

Cheapest luxury SUV insurance rates in Concord, NH

The Acura RDX ranks in the top spot for the most affordable luxury SUV model to insure in Concord, followed closely by the Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. The 2024 model has an average cost of $1,530 per year for full-coverage auto insurance.

Additional models that rank well in our comparison are the Lincoln Corsair, Lexus UX 250h, Lexus NX 450h, and Mercedes-Benz GLB 250, with an average cost of $1,762 per year or less.

As a cost per month, full-coverage car insurance on this segment in Concord for a safe driver starts at around $128 per month, depending on your company and location.

If insurance rates are ranked by vehicle size, the cheapest compact luxury SUV to insure in Concord is the Acura RDX at $1,530 per year. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $1,710 per year. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest rates at $2,050 per year.

The comparison table below ranks the twenty luxury SUVs with the most affordable average auto insurance rates in Concord, starting with the Acura RDX at $1,530 per year and ending with the Lexus RX 350 at $1,834 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Looking for rates for a different luxury SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Concord car insurance quotes from top-rated car insurance companies in New Hampshire.

Concord auto insurance price variability

To illustrate the extent to which the cost of identical car insurance can deviate between drivers (and also emphasize the importance of accurate rate quotes), the examples below show detailed rates for three popular vehicles in Concord: the Nissan Sentra, Nissan Rogue, and Honda Pilot.

Each illustration shows average rates for a range of driver profiles to show how much rates can vary with only minor changes to the policy rating factors.

Nissan Sentra insurance rates

Insurance for a Nissan Sentra in Concord averages $1,674 per year ($140 per month) and varies from $1,390 to $3,804 annually.

The Nissan Sentra is a compact car, and other models in the same segment include the Volkswagen Jetta, Chevrolet Cruze, Toyota Corolla, and Honda Civic.

Nissan Rogue insurance rates

In Concord, Nissan Rogue insurance costs an average of $1,640 per year, or around $137 per month, and has a range of $1,364 to $3,750 annually.

The Nissan Rogue is part of the compact SUV segment, and other similar models from the same segment include the Honda CR-V, Toyota RAV4, Chevrolet Equinox, and Mazda CX-5.

Honda Pilot insurance rates

Insurance for a Honda Pilot in Concord costs an average of $1,780 per year, or about $148 per month, and ranges from $1,478 to $4,110.

The Honda Pilot is a midsize SUV, and additional similar models from the same segment include the Ford Edge, Toyota Highlander, Ford Explorer, and Jeep Grand Cherokee.

How to find cheaper auto insurance in Concord

Concord drivers are always searching for ways to reduce their monthly insurance expenses. So glance at the money-saving ideas below and see if you can save a little dough on your next auto insurance policy.

• Earn a discount from your employer. Most car insurance providers offer discounts for certain professions like lawyers, members of the military, high school and elementary teachers, dentists, police officers and law enforcement, and others. If you’re employed in a qualifying profession, you could save between $55 and $178 on your yearly auto insurance bill, depending on the coverage levels.
• Qualify for discounts to save money. Discounted rates may be available if the insureds belong to certain professional organizations, drive a vehicle with safety or anti-theft features, choose electronic billing, are homeowners, are accident-free, or many other discounts which could save the average Concord driver as much as $308 per year on the cost of car insurance
• Avoid filing small claims. Car insurance companies give a discount for not having any claims. Car insurance is intended to be used in the case of large financial hits, not small claims that can be paid out-of-pocket.
• Avoid traffic tickets to pay less. To get cheap car insurance in Concord, it’s necessary to avoid traffic citations. As a matter of fact, just a couple minor blemishes on your driving record could possibly increase the cost of a policy as much as $486 per year. Serious misdemeanor violations like reckless driving could raise rates by an additional $1,696 or more.
• Buy vehicles that are cheaper to insure. Vehicle performance is a primary factor in the price you pay for car insurance in Concord. As an example, a Hyundai Kona costs $1,706 less per year to insure in Concord than a BMW i8. Insure cheaper models and save money.
• Compare rates before you buy the car. Different cars have significantly different auto insurance rates, and insurance companies charge a wide range of prices. Get quotes to compare the cost of insurance before you buy a different vehicle in order to avoid price shock when you get your first insurance bill.
• Avoiding accidents keeps car insurance rates low. At-fault accidents raise insurance rates, possibly up to $2,610 per year for a 20-year-old driver and even $550 per year for a 50-year-old driver. So be a cautious driver and save.