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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.

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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.

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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.

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

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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
Full Coverage
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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
  • $799
    $1,029
    $695
  • $654
    $854
    $1,221
  • $707
    $901
    $1,291
  • 6. Commerce Group Inc
    $879
    $852
    $1,353
  • $1,043
    $1,260
    $1,144
  • $790
    $888
    $2,088
  • $1,036
    $1,320
    $1,611
  • $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

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
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Most Annual Rainfall85th/300
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Most Rainy Days59th/300

Shopping around for car insurance in Manchester could save you $185, which is enough to buy:


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62Cups of Coffee
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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 coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.