The average cost of car insurance in Manchester is the same as the statewide average of $778 per year. The most affordable, widely available comprehensive coverage is from Progressive, costing an average of $593 per year. MoneyGeek also studied the cheapest car insurance rates across varying coverage levels and driving profiles to help you find a rate that suits your needs for quality and affordability.
bestauto insuranceManchester2021The Cheapest and Best Car Insurance in Manchester
The Cheapest Car Insurance Companies in Manchester
The cheapest car insurance carriers for a full coverage policy in Manchester are:
- USAA: $435 per year (exclusive for former and current military members)
- Progressive: $593 per year
The costs used in this study are for a sample 40-year-old driver with a full coverage policy that includes both liability insurance and comprehensive and collision coverage.
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- CompanyAmountper year
- 1.$435
- 2.$593
- 3.Concord Group$595
- 4.$645
- 5.$654
Average Cost of Car Insurance in Manchester
Manchester$778
NH$778
U.S.$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 Car Insurance Companies in Manchester
MoneyGeek rated the top car insurance providers in Manchester to help you find a policy that couples quality service with affordability. From the findings, the best car insurance carriers in the city for most drivers are:
- State Farm: MoneyGeek score of 93 out of 100
- GEICO: MoneyGeek score of 93 out of 100
USAA received the highest score in Manchester by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek considered various factors when coming up with these scores, including affordability, user satisfaction and financial stability ratings from J.D. Power.
1
USAA
Score:100
2
State Farm
Score:93
3
GEICO
Score:93
4
Allstate
Score:88
5
Nationwide
Score:85
6
Progressive
Score:83
7
Travelers
Score:80
8
Hanover
Score:78
9
MetLife
Score:78
10
Liberty Mutual
Score:75
11
MAPFRE Insurance
Score:75
12
Safety Group
Score:75
13
Arbella Insurance Group
Score:73
14
Plymouth Rock Assurance
Score:73
15
Safeco
Score:73
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.
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
Cheapest Car Insurance in Manchester by Coverage Amount
The cost of car insurance in Manchester and elsewhere has several determinants, including the amount of coverage you purchase. Specifically, a liability-only policy costs $430 per year on average, while a full coverage policy with higher limits costs $778 per year. That’s a difference of around $349 annually.
New Hampshire Minimum Liability Requirements
- ItemDescription
- 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: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$204$227
- 2.Concord Group$337$374
- 3.$356$384
- 4.$304$348
- 5.$330$372
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$407$435
- 2.Concord Group$542$595
- 3.$553$593
- 4.$600$645
- 5.$593$654
Cheapest Car Insurance in Manchester if You Have Driving Violations
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$499$602$723
- 2.Concord Group$669$761$1,015
- 3.$799$1,029$695
- 4.$654$854$1,221
- 5.$707$901$1,291
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 CodeState 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.
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 coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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