Key Takeaways
Manchester, the largest city in New England, is renowned for being one of the best vacation spots in the nation. The nearby city of Nashua serves as a guide for tourists. The region is highly known for its high quality of life; Livability made it one of the"100 Best Cities to Live in America," and Money Magazine called it the"Best Place to Live in America."
There are adventures for every taste, from outdoor pursuits along the magnificent Lake Massabesic to hitting the slopes at the McIntyre Ski Area. The Currier Museum of Art, Massabesic Lake, Northeast Delta Dental Stadium, and the Zimmerman House are some of the most well-known sights in Manchester and Nashua.
The average annual cost of auto insurance in Manchester is $1,204. This is less than the national average of $1,558 and more than the average in New Hampshire ($1,049).
Average premiums depending on age, credit score, driving history, and marital status are included in our Manchester auto insurance guide to auto insurance in Manchester, which was researched and prepared by Way. com's team of certified insurance experts.
Manchester Average | New Hampshire Average | National Average |
---|---|---|
$1204 | $1049 | $1558 |
Despite the fact that auto insurance is not compulsory in New Hampshire if you decide against getting it and wind up getting into an accident that you cannot afford to repair, your driving privileges may be lost. Additionally, the aggrieved party may file a lawsuit against you, which can result in the seizure of your assets.
If you decide to buy car insurance in New Hampshire, you must buy at least what is required by law:
The fact that New Hampshire is an at-fault state implies that those who caused the accident must pay for all other drivers' lost wages, medical expenses, and car damage. You will submit a claim to the other driver's insurance company if they are at fault.
Situations in which there is a partial fault are reasonable in New Hampshire. If, for instance, a collision caused $90,000 in damages and the court determines that you were 50% at fault, you will have to pay $45,000 through your insurance company or out of pocket if the coverage is insufficient.
Rates for auto insurance might vary significantly from one company to another. Concord Group provides Manchester's most affordable rates for the average driver. Refer to the best insurance deals in Manchester listed below.
Insurance Company | Average Annual Premium |
---|---|
Concord Group | $605 |
Liberty Mutual | $1009 |
State Farm | $717 |
Amica | $655 |
USAA | $445 |
Progressive | $603 |
Commerce Group Inc | $772 |
Nationwide | $898 |
Allstate | $934 |
MetLife | $1248 |
Insurance Company | Average Annual Premium |
---|---|
Concord Group | $347 |
State Farm | $382 |
Amica | $314 |
USAA | $214 |
Progressive | $366 |
Commerce Group Inc | $323 |
Nationwide | $568 |
Allstate | $573 |
MetLife | $744 |
Drivers in their 50s pay the least ($1,059 annually) for automobile insurance in Manchester. At just $1,130 a year, rates for Manchester drivers in their 40s are also rather reasonable.
The most expensive vehicle insurance rates in Manchester are for young drivers. Aging out of your adolescent years is one of the best methods to reduce your car insurance costs as a driver in Manchester. The biggest price difference of any two age groups between Manchester's vehicle insurance premiums for young drivers and those for drivers in their 20s is $3,157.
In some circumstances, factors like marital status and gender can affect how much you pay for vehicle insurance. Because they are more prone to file claims, single drivers typically pay more than married drivers. In Manchester, married drivers' auto insurance costs are $77 less than those of single drivers. It's interesting to see that widowed drivers in Manchester receive a lower income than single drivers.
Marital Status | Average Annual Premium |
---|---|
Single | $1127 |
Married | $1127 |
Divorced | $1204 |
Widowed | $1189 |
Another element that may impact auto insurance premiums is gender. In Manchester, the average male driver spends $29 more a year on auto insurance than the average female driver.
Gender | Average Annual Premium |
---|---|
Male | $1175 |
Female | $1204 |
A good approach to lower your vehicle insurance prices is to keep a clean driving record. DUIs and DWIs, reckless driving infractions, at-fault accidents, and speeding tickets can all result in an increase in insurance rates.
When it comes to car insurance, careless drivers in Manchester pay a high price; their rates increase by $833 years over the city average. While a speeding citation increases rates by $288, a DWI or DUI conviction increases insurance premiums by $910 a year.
Driving violation/ incident | Average Annual Premium |
---|---|
At-fault accidents (damages <$1000) | $2114 |
At-fault accidents (damages >$2000) | $2037 |
DUI/ DWI | $1657 |
Reckless driving | $1797 |
Speeding tickets | $1492 |
Insurance Company | Average Annual Premium |
---|---|
Concord Group | $679 |
State Farm | $717 |
Amica | $800 |
USAA | $509 |
Progressive | $809 |
Commerce Group Inc | $889 |
Nationwide | $1046 |
Allstate | $1053 |
MetLife | $1577 |
Insurance Company | Average Annual Premium |
---|---|
Concord Group | $771 |
State Farm | $910 |
Amica | $898 |
USAA | $612 |
Progressive | $1039 |
Commerce Group Inc | $862 |
Nationwide | $1330 |
Allstate | $1270 |
MetLife | $1889 |
Insurance Company | Average Annual Premium |
---|---|
Concord Group | $1025 |
State Farm | $1300 |
Amica | $2098 |
USAA | $733 |
Progressive | $705 |
Commerce Group Inc | $1363 |
Nationwide | $1620 |
Allstate | $1154 |
MetLife | $1775 |
It goes without saying that credit score and the cost of car insurance are closely related. Manchester drivers can save up to 58% on their car insurance if they raise their credit score from"Very Poor" (300-579) to"Exceptional" (800-850). A significant step toward lowering the cost of auto insurance is upgrading from"Very Poor" to"Fair" credit. In Manchester, lowering your credit score to"Fair" could result in a $862 drop in your yearly insurance costs.
Credit Score | Average Annual Premium |
---|---|
Very Poor | $2367 |
Fair | $1503 |
Good | $1204 |
Very Good | $1095 |
Exceptional | $1001 |
Every insurer has different prices for every zip code. Your neighborhood's crime rate and other risks are based on your zip code. You can see below how New Hampshire's average rates vary by region. You can ensure that your car is parked in the garage in a secure location if you reside in a neighborhood with a high crime risk. You should be able to save money this way. The ideal structures are covered and gated. Be sure to let your insurance agent know what safety measures you are taking.
Zip Code | Average Annual Premium |
---|---|
03064 | $1530 |
03101 | $1110 |
03102 | $1446 |
03103 | $1326 |
03104 | $1146 |
03109 | $1302 |
03244 | $5070 |
Your prices are determined by a variety of variables, including your age, gender, vehicle make and model, and zip code of residency.
Other elements influencing Manchester citizens' payments for auto insurance include credit score, accident or citation history, insurance claim history, relational status, and work title.
Here are some quick and easy strategies to reduce your Manchester auto insurance costs.
Frequently shop and compare prices
Yes, buying auto insurance doesn't have to be a one-and-done process. In fact, industry professionals advise comparing quotations from at least three businesses and looking for new prices every six months!
Yes, that does sound like a major hassle, especially if it only saves you a few extra bucks per month.
Look for discounts
Finding discounts is the one insurance cost-cutting tip that involves some effort on your part. Although they are provided by all insurance companies, they are not all the same, and businesses frequently choose not to promote them directly.
Therefore, it is up to you to look for the greatest deals. Ask your insurance provider by phone about the following discounts:
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
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.com
Way.com’s Insurance Broker Quote Data
Due to greater rates of vehicle crime and claims when compared to other localities, Manchester has the most expensive auto insurance in England.
The average annual cost of auto insurance in Manchester is $1,204.
Comparing insurance quotes frequently and looking for discounts through your insurer can help you get cheap car insurance in Manchester, NH.
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