Cheapest Car Insurance Quotes in Manchester

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Manchester Car Insurance

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/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 $736 for a six-month policy, which is $123 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $364, 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

$736

Avg. Car Insurance in New Hampshire

$613

National Average

$1278

Cheapest Car Insurance Companies in Manchester

1st place: Hanover

At $364 for a six month policy, Hanover offers the cheapest auto insurance rates in the city.

2nd place: Safety Group

Safety Group offers auto insurance rates at $378 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $378 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, NH is Hanover, offering policies at just $364 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $378.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1411 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, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$364	$61
Safety Group	$378	$62
Vermont Mutual	$378	$65
MAPFRE	$400	$66
Concord Group	$442	$76
Encompass	$599	$100
USAA	$662	$112
Safety	$820	$138
Auto-Owners	$827	$140
Nationwide	$841	$142
MMG	$892	$150
Concord	$934	$156
Progressive	$1033	$174
State Farm	$1062	$179
Allstate	$1411	$238

Key Takeaways

Way's key takeaways about car insurance in Manchester

The auto insurance costs in Manchester fall around $364 for six months.
The cheapest auto insurance company in Manchester is Hanover.
Teen drivers pay the highest rate in Manchester at $511 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.

Hanover provides the cheapest minimum car insurance coverage in Manchester. Their Average 6 Month Premium is $121. Allstate is the most expensive at $521 for the same period.

Cheapest Liability Coverage in Manchester, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$121	$20
The Hanover	$157	$26
Safety Group	$172	$29
Vermont Mutual	$172	$29
MAPFRE	$192	$32
Concord Group	$206	$35
Encompass	$206	$35
USAA	$206	$35
Auto-Owners	$214	$36
MMG	$228	$38
Safety	$257	$43
Progressive	$313	$53
Concord	$407	$67
State Farm	$414	$70
Nationwide	$470	$78
Allstate	$521	$88

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 Hanover at $61 per month and $364 for six months.

Cheapest Full Coverage Car Insurance Quotes in Manchester, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$364	$61
Safety Group	$378	$62
Vermont Mutual	$378	$65
MAPFRE	$400	$66
Concord Group	$442	$76
Encompass	$599	$100
USAA	$662	$112
Safety	$820	$138
Auto-Owners	$827	$140
Nationwide	$841	$142
MMG	$892	$150
Concord	$934	$156
Progressive	$1033	$174
State Farm	$1062	$179
Allstate	$1411	$238

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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, NH increasing?

Despite maintaining a clean driving record, your car insurance rates in Manchester, New Hampshire, may be increasing due to several external factors. New Hampshire 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,NH

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Manchester at $28 per month. At $3008 for a six-month premium, Safety offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$164	$28
Concord Group	$306	$52
Auto-Owners	$313	$53
Safety Group	$313	$53
Vermont Mutual	$328	$55
MMG	$977	$164
USAA	$1518	$256
Concord	$1811	$308
State Farm	$1874	$316
Allstate	$2452	$416
Progressive	$2687	$452
Safety	$3008	$511

Teen Car Insurance Rates in NH 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, Hanover is the cheapest car insurance provider. At $114 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 State Farm, offering rates of around $4626 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$114	$19
Vermont Mutual	$199	$34
Safety Group	$206	$35
MAPFRE	$242	$41
Concord Group	$306	$52
Progressive	$1105	$186
Safety	$1254	$209
Concord	$1362	$232
USAA	$1476	$246
Allstate	$1825	$311
MMG	$2046	$341
State Farm	$4626	$786

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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, NH, 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 Vermont Mutual and MAPFRE, offering $199 and $257, respectively. Allstate is an expensive provider with an average six-month premium of $2174.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$199	$34
MAPFRE	$257	$43
The Hanover	$257	$43
Concord Group	$299	$50
Auto-Owners	$364	$60
Hanover	$371	$62
USAA	$606	$102
MMG	$613	$103
Encompass	$892	$149
Progressive	$1219	$205
State Farm	$1226	$206
Nationwide	$1319	$224
Concord	$1433	$239
Safety	$1469	$250
Allstate	$2174	$366

Manchester Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Manchester NH. For example, the car insurance in Manchester after a DUI increases to $713 for a six month policy. While the rate increases by $129 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	$848	$142
Not-at-fault accident	$848	$144
One Med/PIP claim	$848	$142
One comp claim	$870	$148
Two Med/PIP claims	$870	$145
Two comp claims	$884	$150
Failure to show documents	$941	$157
Failure to wear a seat belt	$941	$160
At-fault accident - less than $1000	$955	$160
Child safety restraint	$955	$162
Driving without lights	$955	$160
Driving with expired registration	$977	$166
Speeding 11 - 15 MPH over limit	$977	$163
Speeding 16 - 20 MPH over limit	$977	$166
Speeding 6 - 10 MPH over limit	$977	$163
Driving too slowly	$984	$167
Failure to stop at a red light	$984	$164
Failure to yield	$984	$167
Following too closely	$984	$164
Illegal turn	$984	$167
In 65 MPH zone	$984	$164
Speeding in school zone	$984	$167
Wrong way/wrong lane	$984	$164
Speeding 21 - 25 MPH over limit	$1006	$170
Improper passing	$1012	$169
Cell phone violation	$1069	$182
Texting while driving	$1069	$179
At-fault accident - $1000-$2000	$1098	$187
Passing school bus	$1127	$187
Open container	$1176	$200
At-fault accident - greater than $2000	$1226	$204
Operating a vehicle without permission	$1297	$221
Racing	$1462	$244
Reckless driving	$1511	$257
Driving with a suspended license	$1547	$258
DUI	$1561	$265
Refusal to submit to a chemical test	$1561	$260
Leaving scene of an accident/hit and run	$1597	$271

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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 MAPFRE at $286 for a six-month policy. However, it can be as expensive as $2773 with companies like Encompass.

Manchester car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$286	$48
Hanover	$349	$59
Concord Group	$364	$62
Auto-Owners	$414	$68
Progressive	$763	$128
MMG	$934	$157
USAA	$970	$163
Allstate	$1411	$238
Safety	$1639	$278
Concord	$1646	$275
Nationwide	$1760	$299
State Farm	$1825	$307
Encompass	$2773	$472

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 Hanover at $136. However, it can be as expensive as $1654 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Manchester after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$136	$23
Safety Group	$206	$35
Concord Group	$235	$40
MAPFRE	$257	$43
Vermont Mutual	$271	$46
Safety	$742	$126
USAA	$856	$143
State Farm	$1012	$172
Concord	$1261	$210
MMG	$1290	$220
Allstate	$1597	$266
Progressive	$1654	$281

Car Insurance Price Trends in Manchester, New Hampshire

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 rose by $164 in January compared to $136 of December. In other words, there has been an increase by $28 when you compare January and December.

The average cost of liability insurance in the Manchester rose to $44 in January, compared to $42 in December. This represents an increase of $2 when comparing January and December.

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Average Car Insurance Cost in Manchester by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Manchester. At $801 for a six-month policy, insuring your car at 3109 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
3109	$801	$134
3104	$941	$158
3103	$963	$161
3102	$941	$158
3101	$750	$126

Frequently Asked Questions

How much is car insurance in Manchester?

The car insurance in Manchester is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Manchester?

The cheapest car insurance in Manchester is $61 per month for full coverage.

How much is car insurance in Manchester for teenagers?

Car insurance for teenagers costs $164 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 $613 for a six-month policy. It will cost around $124 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.

What is the best car insurance in Manchester, NH?

The best car insurance company in Manchester NH is Hanover, offering $364 for a six-month policy.