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.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Quality Verified
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.
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
- Company100/300/100per year
- 1.$435
- 2.$593
- 3.Concord Group$595
- 4.$645
- 5.$654
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.

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
- CompanyState Minimumper year
- 1.$204
- 2.$304
- 3.Commerce Group Inc$313
- 4.$330
- 5.Concord Group$337
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
- 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.
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
- CompanySpeeding Ticketper year
- 1.$499
- 2.$654
- 3.Concord Group$669
- 4.$707
- 5.$790
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.

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. If you’re a military member or veteran, it is an excellent choice and likely the best insurer for you.
MoneyGeek considered various factors when coming up with these scores, including affordability, user satisfaction and financial stability ratings from J.D. Power.












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
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.
About the Author
