Cheapest Car Insurance Quotes in Manchester

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Manchester Car Insurance

^$ 41

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Manchester

The car insurance rate in Manchester is $1169 for a six-month policy, which is $116 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $415, making it a popular choice for budget-conscious drivers. Rates in Manchester can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Manchester

$1169

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Manchester

1st place: Country Financial

At $415 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $547 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $805 for six months, making it the third cheapest auto insurance company in Manchester.

Manchester Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Manchester, GA is Country Financial, offering policies at just $415 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $547.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1879 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Manchester drivers find the best deals.

Cheap Car Insurance Companies in Manchester, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$415	$69
Auto-Owners Insurance Co	$547	$93
Georgia Farm Bureau	$805	$134
Farm Bureau	$884	$150
Auto-Owners	$1240	$209
USAA	$1240	$209
Progressive	$1279	$215
Mercury	$1477	$251
Allstate	$1510	$254
Esurance P&C Ins Co	$1590	$270
State Farm	$1879	$316

Key Takeaways

Way's key takeaways about car insurance in Manchester

The auto insurance costs in Manchester fall around $415 for six months.
The cheapest auto insurance company in Manchester is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Manchester at $1127 per month.

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Cheapest Minimum Liability Car Insurance in Manchester

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Manchester are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Manchester. Their Average 6 Month Premium is $244. State Farm is the most expensive at $864 for the same period.

Cheapest Liability Coverage in Manchester, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$244	$41
Georgia Farm Bureau	$330	$56
Farm Bureau	$363	$62
Mercury	$395	$67
Auto-Owners	$408	$69
Country Financial	$422	$71
USAA	$455	$77
Progressive	$462	$78
Central Insurance	$514	$88
Allstate	$745	$124
State Farm	$864	$145

Cheapest Full Coverage Car Insurance in Manchester

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Manchester is Country Financial at $69 per month and $415 for six months.

Cheapest Full Coverage Car Insurance Quotes in Manchester, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$415	$69
Auto-Owners Insurance Co	$547	$93
Georgia Farm Bureau	$805	$134
Farm Bureau	$884	$150
Auto-Owners	$1240	$209
USAA	$1240	$209
Progressive	$1279	$215
Mercury	$1477	$251
Allstate	$1510	$254
Esurance P&C Ins Co	$1590	$270
State Farm	$1879	$316

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Average Car Insurance in Manchester by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Manchester, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Manchester, Georgia, may be increasing due to several external factors. Georgia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Manchester's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Manchester

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Manchester,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Manchester at $58 per month. At $6692 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$350	$58
Mercury	$415	$71
Country Financial	$495	$83
Central Insurance	$514	$88
USAA	$2050	$345
Georgia Farm Bureau	$2236	$380
Auto-Owners	$2373	$400
Farm Bureau	$2842	$483
Allstate	$5248	$875
Progressive	$6692	$1127
State Farm	$6692	$1127

Teen Car Insurance Rates in GA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Manchester, Country Financial is the cheapest car insurance provider. At $343 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Manchester is Allstate, offering rates of around $2808 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$343	$57
Mercury	$402	$69
Farm Bureau	$884	$148
Progressive	$1675	$285
USAA	$1787	$297
Auto-Owners	$3257	$554
State Farm	$7187	$1198
Allstate	$2808	$468

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Car Insurance Rates with An Accident in Manchester

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Manchester, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Manchester

The cheapest car insurance companies after an at-fault accident in Manchester include AutoOwners Insurance Co and Country Financial, offering $363 and $561, respectively. State Farm is an expensive provider with an average six-month premium of $2301.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$363	$60
Country Financial	$561	$94
Encompass	$619	$103
Central Insurance	$679	$115
Farm Bureau	$969	$162
Georgia Farm Bureau	$989	$169
Auto-Owners	$1094	$184
USAA	$1114	$188
Progressive	$1590	$268
Allstate	$2103	$357
State Farm	$2301	$387

Manchester Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Manchester GA. For example, the car insurance in Manchester after a DUI increases to $1200 for a six month policy. While the rate increases by $376 for a six-month policy in the case of a speeding ticket.

Manchester auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1411	$235
One Med/PIP claim	$1411	$240
One comp claim	$1417	$236
Two Med/PIP claims	$1417	$241
Not-at-fault accident	$1424	$238
Two comp claims	$1444	$245
Driving without lights	$1702	$283
Failure to wear a seat belt	$1702	$290
Child safety restraint	$1721	$286
Failure to show documents	$1721	$293
Cell phone violation	$1760	$293
Texting while driving	$1760	$300
Driving too slowly	$1787	$297
Speeding 6 - 10 MPH over limit	$1787	$304
Speeding in school zone	$1787	$297
Speeding 11 - 15 MPH over limit	$1794	$305
Driving with expired registration	$1800	$300
Failure to yield	$1800	$306
Following too closely	$1800	$300
Illegal turn	$1800	$306
Failure to stop at a red light	$1807	$301
Improper passing	$1807	$307
Speeding 16 - 20 MPH over limit	$1807	$301
Wrong way/wrong lane	$1807	$307
Speeding 21 - 25 MPH over limit	$1826	$304
Passing school bus	$1859	$316
In 65 MPH zone	$1866	$311
Open container	$1893	$322
At-fault accident - less than $1000	$1899	$316
Operating a vehicle without permission	$1925	$327
At-fault accident - $1000-$2000	$2070	$345
At-fault accident - greater than $2000	$2083	$354
Refusal to submit to a chemical test	$2440	$406
Reckless driving	$2512	$427
Racing	$2572	$428
Driving with a suspended license	$2579	$438
DUI	$2611	$435
Leaving scene of an accident/hit and run	$2677	$455

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Manchester after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Manchester.

The cheapest car insurance premiums in Manchester are offered by Mercury at $422 for a six-month policy. However, it can be as expensive as $2137 with companies like State Farm.

Manchester car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$422	$72
Auto-Owners Insurance Co	$547	$91
Country Financial	$594	$100
Esurance P&C Ins Co	$818	$137
Allstate	$1345	$229
Auto-Owners	$1471	$248
Georgia Farm Bureau	$1590	$270
Progressive	$1595	$269
USAA	$1622	$273
Farm Bureau	$1721	$286
State Farm	$2137	$360

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Manchester are offered by AutoOwners Insurance Co at $283. However, it can be as expensive as $1899 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Manchester after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$283	$48
Country Financial	$310	$52
Mercury	$442	$73
Farm Bureau	$969	$164
USAA	$1220	$203
Auto-Owners	$1253	$213
Progressive	$1319	$220
State Farm	$2018	$343
Allstate	$1899	$316

Car Insurance Price Trends in Manchester, Georgia

Car insurance rates in Manchester have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Manchester dipped by $238 in January compared to $250 of December. In other words, there has been an decrease by $12 when you compare January and December.

The average cost of liability insurance in the Manchester dipped to $79 in January, compared to $80 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Manchester?

The car insurance in Manchester is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Manchester?

The cheapest car insurance in Manchester is $69 per month for full coverage.

How much is car insurance in Manchester for teenagers?

Car insurance for teenagers costs $350 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Manchester?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $196 per month to insure your car in Manchester.

Is car insurance expensive in Manchester?

Car insurance can be expensive in Manchester if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Manchester can be affordable.

Cheapest Car Insurance Quotes in Manchester

Why you can trust Way?

How Much Is Car Insurance in Manchester

Avg. Car Insurance in Manchester

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Manchester

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Manchester Car Insurance Rates by Company

Cheap Car Insurance Companies in Manchester, GA

Way's key takeaways about car insurance in Manchester

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Manchester

Cheapest Liability Coverage in Manchester, GA

Cheapest Full Coverage Car Insurance in Manchester

Cheapest Full Coverage Car Insurance Quotes in Manchester, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Manchester by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Manchester, GA increasing?

Car Insurance Premiums by Age in Manchester

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Manchester,GA

If you are in your twenties N/A is the best choice for car insurance in Manchester.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Manchester

Cheapest Car Insurance Companies after an At-Fault Accident in Manchester

Manchester Car Insurance Rates by Violation

Manchester auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Manchester after a DUI

Manchester car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Manchester after Speeding ticket

Car Insurance Price Trends in Manchester, Georgia

Average Car Insurance Cost in Manchester by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Manchester, GA

Car Insurance Rates by State in the USA (2025 Update)

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