Rating Example 1 — published premium data across New Hampshire (2024)

The driver, exactly as NHID defines it

Married couple, both age 44, home owners. Husband drives a 2010 Toyota Camry 4 Dr Sedan (VIN# 4T1BF3EK&A) five miles each way to work, five days a week, 8,000 miles annually. Wife drives a 2009 Dodge Caravan SE (VIN# 1D8HN44E&9) ten miles each way to work, five days a week, 15,000 miles annually. Neither has had an accident or moving violation in the past three years. Their oldest of three children is a male, age 16, who just received his drivers' license. He has no tickets or accidents, passed an approved driver's training course, has a 3.2 grade point average and drives both cars occasionally. All examples include the following unless otherwise noted: Bodily injury liability limit is $100,000 per person, $300,000 per occurrence.; Property damage liability is $100,000.; Deductibles are $500 collision and $250 comprehensive.; Medical payments are $5,000.; Premium is for a 12 month period and for new business.; Premiums are not considered for multi-policy or package discounts.; If insurer sells Single Limit Liability coverage only, premiums reflect a; The insured had prior insurance with a standard carrier at the same limits,; If the company considers credit in calculating premium, they assumed that; Vehicles do not have anti-theft, anti-lock or other safety devices unless noted.

What these figures are, and what they are not

Each figure is computed from the premiums insurers filed with New Hampshire Insurance Department for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.

Full coverage. All examples include the following unless otherwise noted: Bodily injury liability limit is $100,000 per person, $300,000 per occurrence.; Property damage liability is $100,000.; Deductibles are $500 collision and $250 comprehensive.; Medical payments are $5,000.; Premium is for a 12 month period and for new business.; Premiums are not considered for multi-policy or package discounts.; If insurer sells Single Limit Liability coverage only, premiums reflect a; The insured had prior insurance with a standard carrier at the same limits,; If the company considers credit in calculating premium, they assumed that; Vehicles do not have anti-theft, anti-lock or other safety devices unless noted. NHID publishes a rate-effective date PER COMPANY as well as the survey's own filing date — the per-company dates in this edition span 2015-09-24 to 2024-08-01, while the survey includes rate filings effective as of 2024-08-01. Rating Example 6 departs from the shared limits — that driver buys 25/50 bodily injury and $25,000 property damage — and its definition says so. NHID's own host 403s every scripted client, so this edition was retrieved byte-for-byte from the Internet Archive's unmodified capture of https://mm.nh.gov/files/uploads/nhid/documents/auto-insurance-premium-comparison-example.pdf. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.