Cheapest and Best Car Insurance Companies in Manchester, NH

The cheapest car insurance company for you in Manchester will depend on your profile and needs. Concord Group is the cheapest provider for minimum and full coverage policies and for drivers with speeding or accident offenses. Progressive is the cheapest insurer if you have a DUI, while Concord Group has the cheapest rates for teen drivers. USAA is the cheapest option for drivers with a military background. Hanover is the best option for customer service.

The cheapest insurance companies in Manchester for minimum coverage car insurance are:

• Concord Group: $360 per year
• Progressive: $383 per year

Hanover charges the highest average rates for a minimum coverage policy in Manchester at $2,584 per year.

Location can be an important factor in the cost of car insurance as of October 2022. Hanover offers the cheapest car insurance in New Hampshire at $105 per year for minimum coverage, cheaper than Concord’s rates.

A minimum coverage policy in Manchester will only offer bodily injury liability, property damage liability, uninsured motorist coverage and medical payments at the following limits::

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage per accident
• $25,000 uninsured/underinsured motorist property damage coverage
• $1,000 medical payments coverage

Liability coverage pays for injuries to others or damages to their property up to $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Injuries or damages beyond these limits will have to be covered out of pocket.

The cheapest full coverage car insurance in Manchester is offered by:

• Concord Group: $674 per year
• Progressive: $679 per year

Hanover is the most expensive option for full coverage at around $5,351 per year.

Location impacts car insurance rates. Concord Group and Progressive are not among the cheapest providers in New Hampshire. As of October 2022, Hanover offers the cheapest full coverage car insurance in New Hampshire at $393 per year, less than Concord Group.

Purchasing a full coverage policy adds comprehensive and collision insurance to your policy.

• Collision Insurance: Covers damages to your vehicle after a collision or accident with another vehicle or object.
• Comprehensive Insurance: Covers damages to your vehicle from non-collision incidents such as theft, vandalism or extreme weather.

A full coverage policy is costly. If you have an older car, it might not be worth it. You may end up paying hundreds of dollars more per year for a vehicle that has low value.

The cheapest companies for car insurance in Manchester after a driving offense are:

• Speeding ticket: Concord Group ($758 per year)
• At-fault accident: Concord Group ($951 per year)
• DUI: Progressive ($776 per year)

On average, the most expensive provider after violations is Hanover at $8,509 per year for a DUI, $7,963 per year for an at-fault accident and $6,691 per year for a speeding offense.

A bad driving record increases car insurance premiums significantly. Compared to standard rates for a clean record, the cheapest rates for a poor record could be much higher.

If you are looking for the cheapest car insurance for a bad driving record, keep in mind that rates will, in most cases, increase based on the severity of the violation.

For instance, Manchester drivers with a DUI offense pay roughly $1,316 more for car insurance compared to those with a clean record. If you have a speeding offense, your rates will only be around $261 higher.

The cheapest car insurance companies in Manchester for teen drivers on a family policy are:

• Concord Group: $1,260 for female teens and $1,320 per year for male teens
• Nationwide: $1,560 for female teens and $1,811 per year for male teens

State Farm and GEICO are the most expensive options for teens on a family policy at $2,966 for male teens and $2,387 for female teens, respectively.

Male teens pay up to $60 more with Concord Group, the cheapest provider, compared to female teens. This difference is because male teens are riskier to insure, but the discrepancy in rates usually drops off in early adulthood.

Teen drivers looking for the cheapest car insurance for teens are better off joining a family policy than buying an individual policy. This is because rates are significantly higher for teens who purchase an individual policy.

In Manchester, a male teen buying an individual policy will pay $1,949 more per year than what it would cost to be added to a family policy.

The cheapest car insurance companies in Manchester for drivers with a military background are:

• USAA: $530 per year
• Concord Group: $674 per year

USAA and Concord Group are also the best options for cheap military car insurance if you want a minimum coverage policy at an average of $245 per year and $360 per year, respectively. USAA specifically tailors its coverages to suit drivers with a background in the military.

You can get car insurance quotes in Manchester online, but the process can be lengthy since you are required to enter a lot of personal information.

If you want a quick estimate, MoneyGeek’s car insurance calculator will give you a rate based on your age, driving record, coverage needed and type of car.

The best car insurance provider for you will depend on how you prioritize cost, service and other factors. The best car insurance companies in Manchester are:

• Best overall: State Farm (MoneyGeek score 75 out of 100)
• Best for service: Hanover (MoneyGeek score 58 out of 100)
• Best cheap: State Farm (MoneyGeek score 77 out of 100)

A company’s MoneyGeek score may change depending on how different factors are weighted in each category. State Farm also offers the best car insurance in New Hampshire.

USAA is one of the best providers in Manchester if you have a military background, earning a MoneyGeek score of 85 out of 100.

The best companies for car insurance in Manchester are:

• State Farm: MoneyGeek score 75 out of 100 ($784 per year)
• Progressive: MoneyGeek score 74 out of 100 ($679 per year)

State Farm received high scores in affordability and customer satisfaction, so policyholders get a balance of quality service and reasonable rates.

USAA is among the top companies in Manchester, earning a MoneyGeek score of 85 out of 100. Only drivers with a military background are eligible for policies from this provider.

MoneyGeek scored insurers without factoring in cost and found that the best car insurance companies in Manchester for customer service are:

• Hanover: MoneyGeek score 58 out of 100 ($5,351 per year)
• State Farm: MoneyGeek score 58 out of 100 ($784 per year)

Hanover received high scores in customer satisfaction and coverage, but it has some of the most expensive rates for car insurance. Policyholders pay a high price for the good service offered.

The best cheap companies in Manchester based on affordability and service quality for minimum coverage policies that only meet New Hampshire minimum requirements are:

• State Farm: MoneyGeek score 77 out of 100 ($404 per year)
• Progressive: MoneyGeek score 77 out of 100 ($383 per year)

For drivers looking for cheap car insurance in Manchester, the cheapest minimum coverage policies have the lowest premiums. The trade-off is limited liability protection and no protection for damages to your own vehicle in case of an accident.

The average cost of car insurance in Manchester is $1,310 per year for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability.

Drivers in Manchester pay $170 more for car insurance compared to the average car insurance rate in New Hampshire as of October 2022. Rates in Manchester are also up to $45 more costly than the average national cost of car insurance.