Wilton Auto Insurance Rates, Quotes, Agents & Reviews in NH

Wilton, NH Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Wilton, NH, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Latest Car Insurance Rates in Wilton, NH

The average cost of car insurance in Wilton, NH, is $1,176. Car insurance plays a very crucial role. For example, suppose you or a passenger in your car met with an accident. In that case, an auto insurance policy may support paying for medical costs and assist with lost wages due to injuries sustained in the accident. Car insurance also helps if you cause damage to someone's property in an accident.

Auto insurance in Wilton is a mandatory expense for every car owner. Getting cars insured and selecting a suitable policy can be tricky and confusing. This article aims to shed light on the factors that affect your car insurance rates, how these factors are calculated, and what you can do to get the best deal. 

a. Credit History

Using your credit score to determine the price of your car insurance in Wilton is a common practice. If you have a bad credit score, car owners may face high car insurance rates in Wilton, NH. Therefore, car owners must maintain a decent credit score to avoid paying high premiums in Wilton, NH. For instance, car owners with exceptional credit scores have to pay $1,009, whereas car owners with poor credit scores have to pay $1,918 in Wilton, NH. Hence, the higher the credit score, the lower the auto insurance rates in Wilton, NH.


b. Age of the driver

Teenagers pay $3,816 on auto insurance in Wilton, NH, whereas old drivers aged 40 years pay $1,120 on auto insurance in Wilton, NH. Being young or old is not in your control as no one has the power to change the age of a person. But that does not mean that a car owner cannot afford good auto insurance in Wilton, NH. In addition, older drivers could qualify for special discounts, while younger drivers can save a few dollars by opting for a defensive driving course. 

c. Driving Habits

Despite all the technological advances, traffic is still unforeseeable. To be a safe driver on the road, you must follow all the traffic rules and regulations while on the road. Maintaining a clean driving record to decrease your car insurance rates in Wilton, NH, is essential. For example, car drivers running a red light or driving with an expired license must pay +$274 and +$793 extra on the total cost of car insurance in Wilton, NH.

Factors that can influence the cost of car insurance in Wilton, NH are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Wilton, NH Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Wilton, NH with that of other cities in and around Wilton.

Wilton Temple Milford Hillsborough County Mason Mont Vernon
Average Insurance Rates $1,176 $914 $1,103 $1,113 $977 $756

Wilton, NH Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Wilton, NH based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Wilton $1,211 $1,023
Lyndeborough $1,017 $859
Milford $1,136 $960
Temple $941 $795
Greenville $1,415 $1,195
Hillsborough County $1,146 $968
Mont Vernon $779 $658
Mason $1,006 $850

Wilton, NH Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Wilton, NH usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,816
20 Years $1,511
30 Years $1,164
40 Years $1,120
50 Years $1,037
60 Years $1,051
70 Years $1,224

Wilton, NH Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Wilton, NH can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,070 $282
3 Vehicles $3,105 $423
4 Vehicles $4,140 $564

Savings on 2 Vehicles bundle:$282

Savings on 3 Vehicles bundle:$423

Savings on 4 Vehicles bundle:$564

Wilton, NH Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Wilton, NH.

Location Average Insurance Cost Post DUI Insurance Rate
Wilton $1,176 $2,078
Lyndeborough $987 $1,744
Milford $1,103 $1,949
Temple $914 $1,615
Greenville $1,586 $2,803
Hillsborough County $1,113 $1,967
Mont Vernon $756 $1,336
Mason $977 $1,726

Wilton, NH Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,009
Excellent (740-799) $1,152
Good (670-739) $1,225
Average (580-669) $1,599
Poor (300-579) $1,918

Wilton, NH Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Hpm Insurance Liberty Mutual Independent 633 Elm Street, Milford, 3055 (603)259-4472
Hometown Insurance Agency None 37 Union Square, Milford, 3055 (603)259-4487
Eaton & Berube Insurance Agency, Inc. None 365 Nashua St, Milford, 3055 None
Soucy Financial Serv Inc Nationwide 491 Amherst Street STE 1, Nashua, 03063-1259 (603) 577-9531
Tinglof Insurance, Llc None 577 D.W. Highway , Merrimack, 3054 None
Joseph A Keating Ins Inc Liberty Mutual Independent 43 GROVE ST, PETERBOROUGH, 3458 (603) 924-7007
Statewide Ins Travelers 206 SOUTH ST, MILFORD, 3055 603-673-4500
Statewide Insurance None 206 South Street, Milford, 3055 None

Wilton, NH Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$52 $1,228
Driver's Failure In Showing Documents +$114 $1,290
Driving With An Expired Registration +$121 $1,297
Driving At A Considerably Slow Pace +$255 $1,431
Using A Cellphone While Driving +$269 $1,445
Running A Red Light +$274 $1,450
Speeding +$288 $1,464
Driving A Vehicle Without The Required Permission +$366 $1,542
Driving With An Expired/Suspended License +$793 $1,969

Wilton, NH Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,129
Active Disabling Device $1,129
Tracking Device $1,105
Passive Disabling Device $1,094