Compare the Cheapest Car Insurance Quotes in Manchester, NH

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.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 7/30/2022
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On average, Progressive is the cheapest insurer in Manchester. GEICO is the cheapest with a speeding ticket, and Amica Mutual offers the most affordable state minimum policy. For military families, USAA is a great option. MoneyGeek ranked State Farm as the best company balancing affordability and customer service. The best for you depends on your elected coverage and profile.

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The Cheapest and Best Car Insurance in Manchester

The Cheapest Car Insurance Companies in Manchester

On average, the cheapest car insurance companies in Manchester for a full coverage policy are:

  • Progressive: $593 per year
  • Concord Group: $595 per year

Drivers who have a military background may choose USAA, with the cheapest full coverage policy in Manchester of roughly $435 a year.

In Manchester, a full coverage policy with Progressive, the cheapest, no restriction insurer, costs approximately 108% less than a MetLife policy, the most expensive in the city at around $1,238 a year.

A full coverage policy includes comprehensive and collision insurance. The cost depends on the amount of liability coverage you buy.

Cheapest Car Insurance in Manchester
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
  • 2.
  • 3.
    Concord Group
  • 4.
    Amica Mutual
  • 5.
  • 6.
    State Farm
  • 7.
    Commerce Group Inc
  • 8.
  • 9.
  • 10.

MoneyGeek collected average rates for a 40-year-old male driver in Manchester with a full coverage policy, as explained in our methodology.

Full coverage costs more than minimum coverage but is more valuable. It has liability coverage and protects you against damage to your vehicle with comprehensive and collision coverage.

  • Comprehensive coverage: pays for the replacement or repair of your vehicle when damaged or stolen.
  • Collision coverage: pays repair costs in case of an at-fault accident.

For older cars, full coverage insurance may cost more than the car’s value. In that case, a minimum coverage policy may be better and less expensive.

Compare Car Insurance Rates in Manchester

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Manchester for Minimum Coverage

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.

Cheapest Minimum Liability Car Insurance in Manchester
State Minimum

In New Hampshire, drivers must have an auto insurance policy with at least 25/50/25 in liability limits. This minimum coverage policy is budget-friendly, but in an accident, you may pay a higher amount out of pocket.

For example, in an at-fault accident, if the combined medical bills for multiple passengers is $70,000, you have to pay $20,000 out of pocket since the insurance policy only covers up to $50,000.

New Hampshire Minimum Liability Requirements

  • Item
  • 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.

Cheapest Car Insurance in Manchester if You Have Driving Violations

Drivers with an at-fault accident, DUI or speeding ticket in Manchester pay more for car insurance. The following are the cheapest companies in Manchester with a violation:

  • Cheapest after a speeding ticket: GEICO, $654 average per year
  • Cheapest after an at-fault accident: Concord Group, $761 average per year
  • Cheapest after a DUI: Progressive, $695 average per year

USAA averages the cheapest rates for military background drivers with a speeding ticket or at-fault accident.

Manchester drivers with a poor driving record can improve it, over time, to find cheaper insurance. Until then, it’s best to shop around and buy a policy that is the best deal.

Cheapest Car Insurance in Manchester With a Violation
Speeding Ticket

Average Cost of Car Insurance in Manchester


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.

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 Car Insurance Rates in Manchester

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

The Best Car Insurance Companies in Manchester

MoneyGeek’s evaluation of the best car insurance company in Manchester is based on claims ratings, customer satisfaction scores and standard policy rates. Our analysis shows the top-rated insurance providers in Manchester are:

  • GEICO: MoneyGeek score of 81.6 out of 100
  • State Farm: MoneyGeek score of 78.0 out of 100

USAA received a MoneyGeek score of 100 out of 100, but it was not included in our ranking because it’s only available to military members and their families. However, this high score makes it the best insurance provider in Manchester for current and former members of the military.





Claims Ratings


User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

GEICO received high scores for claims and customer satisfaction, but it only received an average score for affordability. A 40-year-old driver in Manchester can enjoy a full coverage insurance policy for $654 per year. Mechanical breakdown insurance (MBI) — a coverage option rarely offered by other insurance providers — allows GEICO policyholders to save money on vehicle repairs.

More About GEICO

For a lower cost than a typical deal extender warranty, MBI provides coverage for all parts and systems on your vehicle — not just the specific list of items covered by most dealer warranties. GEICO also offers roadside assistance as an add-on coverage option. With this coverage, drivers that need assistance while on the road can contact GEICO for service. The insurer pays for the cost of services related to flat tires, towing, jump starts and lockouts.

Read MoneyGeek's GEICO auto Insurance Review
State Farm




Claims Ratings


User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

State Farm is the second best auto insurance company in Manchester based on a high claims rating and customer satisfaction score. On average, a 40-year-old driver in Manchester will pay $707 per year for a full coverage insurance policy with State Farm. The insurer has one coverage option that’s normally not offered by other insurance companies — rideshare insurance.

More About State Farm

With State Farm’s rideshare insurance, drivers who work for ridesharing companies are able to retain most of the coverage included in their personal auto insurance policies after they’ve matched with and are transporting a rider. This allows drivers to maintain adequate coverage while they’re working. Besides rideshare insurance, State Farm also offers roadside assistance and rental car and/or travel reimbursement coverage as optional add-ons.

Read MoneyGeek's State Farm auto Insurance Review

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
  • 03103
  • 03104

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.

accident2 icon
Most Accidents With Fatalities182nd/300
handcuffs2 icon
Most Car Thefts2nd/300
uninsured icon
Most Uninsured Motorists by State35th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall85th/300
umbrella icon
Most Rainy Days59th/300

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.