Car Insurance in Nashua
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Getting Familiar with Nashua, New Hampshire
Nashua ranks second only to Manchester as the most populous city in New Hampshire, with more than 91,000 residents according to the latest U.S. Census data. Many Nashua locals work in defense, finance and tech. The city has an airport and a public bus system as well as access to several major highways. You'll also find ways to explore the great outdoors, like a visit to Mine Falls Park or a stroll along the picturesque Nashua Riverwalk.
Essential Knowledge for Nashua Drivers
Nashua residents have a commute of 26.9 minutes on average, which is just slightly above the national average of 26.4 minutes according to Sperling's Best Places. While the city does offer public transit, about 81% of residents drive their own cars to work and school. About another 9% carpool with others.
You'll have easy access to US-3 as well as several New Hampshire highways. State routes 101A, 111, 111A and 130 also run through Nashua. It's a quick trip to Boston, just 35 miles away, offering even more school and work opportunities for locals.
Concerns for Nashua Motorists
The rate of fatal auto accidents in New Hampshire has steadily increased since 2020. The state had 98 fatalities in the first nine months of 2022, compared to just 80 car accident deaths for the same period in 2021. The state police indicate that distracted driving, speeding and driving under the influence play a role in many catastrophic auto accidents. Understanding and avoiding these dangers can potentially help you avoid serious injury.
Severe winter weather may also lead to road-related incidents. New Hampshire drivers should be aware of the risks posed by ice and heavy snowfall. Comprehensive car insurance in Nashua covers the cost of repairing or replacing your vehicle after an accident, theft or weather-related damage.
Average Cost of Car Insurance in Nashua
According to Bankrate, car insurance in Nashua averages $1,314 per year for full coverage. You'll pay slightly more than the national average of $1,262 for a similar policy. If you live in a neighborhood with a lot of accidents or an elevated crime rate, insurance companies tend to raise your rates to compensate for the risk.
Other factors that affect your premiums include your age, gender, credit rating and driving record. The type of car you drive also plays a role in the amount of coverage you need and its costs. Shopping around for quotes from multiple providers with VIU by HUB can help you save money even if you have risk factors like a history of tickets.
New Hampshire Auto Insurance Requirements
New Hampshire is one of the few states that does not require drivers to carry auto insurance. However, you must affirm that you have sufficient assets to cover the cost of an accident.
If you cannot make this claim, you have to purchase liability insurance of at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. You also need at least $1,000 in medical payments coverage, which pays for the cost of your own auto accident injuries. Finally, the state requires uninsured motorist coverage that equals your policy's liability limits. Additional policies are available for even more protection, such as comprehensive and collision coverage.
VIU by HUB connects you with personalized quotes so you can save on high-quality car insurance in Nashua.
This information is intended for general informational purposes only and is not intended to constitute legal advice.