If you are looking for cheap car insurance, Manchester is a great place to live, with average premiums priced at about half the national average. With many companies providing car insurance, your choice of the right provider, your vehicle make and model and your driving history can play key roles in deciding your insurance costs. To have access to the cheapest and most accurate car insurance quotes in Manchester, you need to look for personalized quotes based on your situation and requirements.
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- The Best Cheap Car Insurance in Manchester
Average Cost of Car Insurance in Manchester
Manchester$778
New Hampshire$778
US$1,424
The average annual cost of car insurance in Manchester is $778. This is equal to the state average and significantly cheaper than the national average. Manchester drivers typically spend 45.3% less than the national average on auto coverage premiums.
The Best Cheap Car Insurance Companies in Manchester
The company offering the cheapest car insurance in Manchester is USAA. However, it is important to remember that USAA exclusively serves current and former members of the military and eligible family members. The second most affordable among the car insurance companies in Manchester is Progressive. In fact, coverage with Progressive costs less than half as much as a policy in this city costs with MetLife, the most expensive car insurance company in Manchester.
Company
Amountper year
1. USAA
In 2020, USAA ranked #1 in Manchester for the cheapest car insurance for the average driver.
$435
2. Progressive
In 2020, Progressive ranked #2 in Manchester for the cheapest car insurance for the average driver.
$593
3. Concord Group
In 2020, Concord Group ranked #3 in Manchester for the cheapest car insurance for the average driver.
$595
4. Amica Mutual
In 2020, Amica Mutual ranked #4 in Manchester for the cheapest car insurance for the average driver.
$645
5. GEICO
In 2020, GEICO ranked #5 in Manchester for the cheapest car insurance for the average driver.
$654
6. State Farm
In 2020, State Farm ranked #6 in Manchester for the cheapest car insurance for the average driver.
$707
7. Commerce Group Inc
In 2020, Commerce Group Inc ranked #7 in Manchester for the cheapest car insurance for the average driver.
$762
8. Nationwide
In 2020, Nationwide ranked #8 in Manchester for the cheapest car insurance for the average driver.
$888
9. Allstate
In 2020, Allstate ranked #9 in Manchester for the cheapest car insurance for the average driver.
$924
10. MetLife
In 2020, MetLife ranked #10 in Manchester for the cheapest car insurance for the average driver.
$1,238
Personalized Quotes to Get You the Cheapest Car Insurance in Manchester
Many factors figure into the driver risk assessment process undertaken by insurance companies while providing personalized car insurance quotes in Manchester. Your age, vehicle type, driving record and the total distance you drive every year can be crucial in determining how much you have to pay. An 18-year-old male driver, for example, will pay an average of $900 more for a Concord Group policy than a 40-year-old male driver. You should get personalized quotes regularly to find the ideal rates for your current situation.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Manchester by Coverage Amount
How much car insurance coverage you purchase in Manchester also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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New Hampshire Minimum Liability Requirements
| Item | Description |
|---|---|
| Bodily Injury and Property Damage | $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100. |
| Uninsured Motorist | $25,000 per person, $50,000 per incident and $25,000 for property damage. The minimum coverage may not be enough if you're in a serious accident. |
Car insurance companies in Manchester offer different plan options for the level and type of coverage you want. For example, Progressive offers both 50/100/50 liability-only and full-coverage plans in this city. These cover $50,000 in medical expenses per person, totaling $100,000 per vehicle, with $50,000 for repairing property damage.
The full-coverage policy, which costs an additional $169 on average, can be a smart investment because it provides extra coverage for you and your vehicle. You can also opt for a 100/300/100 full-coverage plan, which costs an average of $40 more than the 50/100/50 option.
Average Car Insurance Premiums by Coverage Type
Liability Only
| Company | State Minimumper year | 50 / 100 / 50per year |
|---|---|---|
| 1. USAA | $204 | $227 |
| 2. Concord Group | $337 | $374 |
| 3. Progressive | $356 | $384 |
| 4. Amica Mutual | $304 | $348 |
| 5. GEICO | $330 | $372 |
| 6. Commerce Group Inc | $313 | $351 |
| 7. State Farm | $372 | $427 |
| 8. Nationwide | $558 | $575 |
| 9. Allstate | $563 | $603 |
| 10. MetLife | $734 | $737 |
Full Coverage
| Company | 50 / 100 / 50per year | 100 / 300 / 100per year |
|---|---|---|
| 1. USAA | $407 | $435 |
| 2. Concord Group | $542 | $595 |
| 3. Progressive | $553 | $593 |
| 4. Amica Mutual | $600 | $645 |
| 5. GEICO | $593 | $654 |
| 6. Commerce Group Inc | $715 | $762 |
| 7. State Farm | $651 | $707 |
| 8. Nationwide | $904 | $888 |
| 9. Allstate | $879 | $924 |
| 10. MetLife | $1,209 | $1,238 |
Compare Auto Insurance Rates
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Manchester If You Have Tickets
You will need to pay higher insurance rates if you have speeding tickets or other driving violations on your record. In Manchester, for example, a Nationwide policyholder with a speeding violation would have to pay about $148 extra on average for their car insurance. Similarly, a DUI increases the cost of Nationwide coverage by an average of $723, while an at-fault accident adds roughly $432 on average to your premium.
| Company | Speeding Ticketper year | At-Fault Accidentper year | DUIper year |
|---|---|---|---|
| 1. USAA | $499 | $602 | $723 |
| 2. Concord Group | $669 | $761 | $1,015 |
| 3. Progressive | $799 | $1,029 | $695 |
| 4. GEICO | $654 | $854 | $1,221 |
| 5. State Farm | $707 | $901 | $1,291 |
| 6. Commerce Group Inc | $879 | $852 | $1,353 |
| 7. Allstate | $1,043 | $1,260 | $1,144 |
| 8. Amica Mutual | $790 | $888 | $2,088 |
| 9. Nationwide | $1,036 | $1,320 | $1,611 |
| 10. MetLife | $1,567 | $1,879 | $1,765 |
Average Cost of Car Insurance by Postal Code
Where you live in Manchester has a minimal impact on your insurance premiums. Price variation between ZIP codes in this city averages to about $17 across different neighborhoods.
| Zip Code | State Minimumper year |
|---|---|
| 03102 | $771 |
| 03103 | $776 |
| 03104 | $789 |
Insurance Providers That Serve Manchester
Factors That Impact Insurance Costs in Manchester
In addition to individual driver needs and history, location-specific factors like the rate of car thefts and the percentage of uninsured motorists also contribute to car insurance rates in Manchester. How Manchester ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Manchester could save you $185, which is enough to buy:
62Cups of Coffee
14Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Manchester are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.