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Key Takeaways

  • One of the top vacation destinations in the country is Manchester, the biggest city in New England.
  • Manchester's average annual cost for car insurance is $1,204.
  • For the typical driver, Concord Group offers Manchester's most reasonable prices.
  • Young drivers in Manchester had the most expensive car insurance rates.
  • Single drivers often pay more than married drivers in Manchester.


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.

How much does car insurance cost in Manchester?

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

Auto insurance requirements in Manchester, New Hampshire

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:

  • Liability insurance for bodily injury: $25,000 per person
  • Liability insurance for bodily injury: $50,000 per accident
  • Liability insurance for property damage: $25,000
  • Coverage for uninsured drivers: $25,000/$50,000
  • Health Pay: $1000

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.

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Manchester Auto Insurance Premiums by Company

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 $772
Liberty Mutual $1009
State Farm $1031
Amica $1245

Manchester Auto Insurance Premiums by Age Group

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.

Age Bracket Average Annual Premium
Teenagers $4839
20s $1682
30s $1182
40s $1130
50s $1059
60s $1163
70s $1491

Manchester Auto Insurance Premiums by Marital Status

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

Manchester Auto Insurance Premiums by Gender

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

Manchester Auto Insurance Premiums by Driving Record

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

Manchester Auto Insurance Premiums by Credit Score

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

Manchester Auto Insurance Premiums by Zip Code

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

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What would affect your car insurance rates in Manchester, New Hampshire?

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.

How to save on auto insurance in Manchester, New Hampshire?

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:

Tips for driving in Manchester, New Hampshire

  • Keep your car's maintenance up to date before a severe weather event.
  • Check the treads on your tires, clean the covers of your headlights, and inspect your windshield wipers.
  • In all weather, you should always slow down and give the driver behind you plenty of room.
  • If the pedestrian"Don't Walk" signal is activated, and there are no other signs indicating otherwise, you may turn right at a red traffic light.
  • When turning onto a highway, the required signal distance increases to 500 feet in advance.

Best car insurance companies in Manchester, New Hampshire

  • Concord Group
  • Liberty Mutual
  • State Farm
  • Amica

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’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


Why is car insurance so expensive in Manchester, NH?

Due to greater rates of vehicle crime and claims when compared to other localities, Manchester has the most expensive auto insurance in England.

How much is car insurance in Manchester, NH?

The average annual cost of auto insurance in Manchester is $1,204.

How to get cheap car insurance in Manchester, NH?

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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Learn more by city and state for car insurance

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