Average car insurance cost in Manchester
The average cost of full coverage car insurance in Manchester is $1,914 per year, or about $159 per month. This rate is based on 100/300/100 liability limits and $500 deductibles. State minimum insurance averages $592 annually but offers substantially less coverage.
The required state minimum liability limits are 25/50/25. A minimum-coverage policy pays for injuries or property damage you cause to others, up to the policy limits. It does not include comprehensive or collision insurance for damage to your own car.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $957 |
| Average annual premium | $1,914 |
| State minimum premium | $592 |
Cheapest car insurance companies in Manchester
GEICO is the cheapest car insurance company in Manchester, with an average full coverage rate of $1,298 per year. The Hanover is the second-cheapest insurer in our comparison. Because each company calculates risk differently, comparing quotes for the same coverage can help you find a lower rate.
Car insurance prices differ based on where you live, your driving history, coverage limits, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.
Below are the companies that offer cheap car insurance to drivers in Manchester.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $649 | $1,298 |
| The Hanover | $679 | $1,358 |
| Auto-Owners | $743 | $1,485 |
| Nationwide | $907 | $1,814 |
| MMG Insurance | $938 | $1,876 |
| Progressive | $1,017 | $2,034 |
| Allstate | $1,036 | $2,072 |
| State Farm | $1,477 | $2,954 |
| Farmers | $1,540 | $3,080 |
| USAA | $585 | $1,170 |
Cheapest car insurance cost in Manchester by age group
The cheapest car insurance company in Manchester varies by age because insurers price policies in part based on driving experience and expected claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. risk. The Hanover is cheapest for teens, The Hanover for young adults, The Hanover for adults, and The Hanover for seniors in our rate analysis.
Take a look at the cheapest companies in Manchester by age group:
- Cheapest for teens: The Hanover
- Cheapest for young adults: The Hanover
- Cheapest for adults: The Hanover
- Cheapest for seniors: The Hanover
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. The Hanover offers the cheapest car insurance for teens at $2,562 per year.
The Hanover offers the most affordable auto insurance for young adults at $1,745 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.
Adult drivers pay the lowest car insurance premiums because they have more driving experience and a lower risk of accidents. The Hanover provides the lowest car insurance rates at $1,309 per year for adult drivers in Manchester.
The Hanover offers the least expensive car insurance for senior drivers in Manchester, at $1,260 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| The Hanover | $2,562 | $1,745 | $1,309 | $1,260 |
| GEICO | $4,495 | $2,203 | $1,356 | $1,396 |
| Auto-Owners | $3,542 | $2,405 | $1,548 | $1,576 |
| Nationwide | $7,064 | $3,203 | $1,787 | $1,817 |
| MMG Insurance | $4,131 | $3,007 | $1,975 | $2,155 |
| Progressive | $9,658 | $3,514 | $2,026 | $1,931 |
| Allstate | $5,014 | $3,061 | $2,165 | $2,343 |
| State Farm | $9,749 | $5,198 | $2,987 | $2,914 |
| Farmers | $12,211 | $6,458 | $3,021 | $3,015 |
| USAA | $7,473 | $2,340 | $1,198 | $1,285 |
Cheapest car insurance companies in Manchester by driver profile
The cheapest car insurance provider in Manchester varies based on driving history and credit-based insurance information. Auto-Owners has the lowest rate after an at-fault accident, The Hanover after a DUI, and Auto-Owners after a speeding ticket. Shopping around becomes particularly valuable after a violation.
Below are some of the cheapest car insurance companies in Manchester by driver profile.
- Cheapest for poor credit: GEICO
- Cheapest for an at-fault accident: Auto-Owners
- Cheapest for a DUI: The Hanover
- Cheapest for a driver with a speeding ticket: Auto-Owners
Cheapest for a driver with poor credit: GEICO
Drivers with poor credit in Manchester can find the lowest average car insurance rate from GEICO at $1,966 per year.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Manchester.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $983 | $1,966 |
| Auto-Owners | $1,080 | $2,161 |
| Nationwide | $1,379 | $2,758 |
| Allstate | $1,438 | $2,876 |
| Progressive | $1,789 | $3,578 |
| The Hanover | $2,249 | $4,498 |
| Farmers | $2,816 | $5,632 |
| State Farm | $6,221 | $12,443 |
| USAA | $1,129 | $2,258 |
Cheapest auto insurance after an at-fault accident: Auto-Owners
After an at-fault accident, Auto-Owners has the cheapest average car insurance in Manchester at $2,146 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Manchester.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| Auto-Owners | $1,073 | $2,146 |
| The Hanover | $1,081 | $2,163 |
| GEICO | $1,311 | $2,622 |
| Allstate | $1,536 | $3,073 |
| Nationwide | $1,563 | $3,127 |
| State Farm | $1,611 | $3,222 |
| Progressive | $1,646 | $3,293 |
| Farmers | $2,695 | $5,390 |
| USAA | $865 | $1,730 |
Cheapest auto insurance after a DUI: The Hanover
The Hanover offers the cheapest car insurance rates for drivers with a first-offense DUI/DWI on their driving record. The average rate is $1,985 per year, making it the cheapest option amongst all the companies analyzed.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Manchester.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| The Hanover | $992 | $1,985 |
| Progressive | $1,166 | $2,331 |
| Auto-Owners | $1,298 | $2,596 |
| Allstate | $1,323 | $2,646 |
| GEICO | $1,565 | $3,131 |
| State Farm | $1,854 | $3,707 |
| Nationwide | $2,122 | $4,244 |
| Farmers | $2,413 | $4,825 |
| USAA | $959 | $1,918 |
Cheapest for drivers with a speeding ticket: Auto-Owners
Auto-Owners offers the cheapest car insurance at $1,703 in Manchester for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Auto-Owners | $852 | $1,703 |
| Allstate | $1,198 | $2,397 |
| GEICO | $1,325 | $2,649 |
| Progressive | $1,349 | $2,698 |
| Nationwide | $1,543 | $3,086 |
| Farmers | $2,040 | $4,079 |
| USAA | $677 | $1,353 |
Car insurance discounts for Manchester drivers
The biggest car insurance discount available in Manchester is for the Student Away At School category at 43%, offered by Safety Insurance.
Additional discounts include those for safe drivers, good students, and bundling your home and auto insurance.
Here are some of the car insurance discounts insurers offer to Manchester drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | Nationwide | $1,475 | $1,456 | 1% | $19 |
| Air Bags | Farmers | $2,784 | $2,689 | 3% | $94 |
| Anti-Theft Device | GEICO | $1,206 | $1,197 | 1% | $9 |
| Anti-Theft Device | Auto-Owners | $1,377 | $1,356 | 2% | $21 |
| Comp and Coll Deductibles | The Hanover | $1,144 | $1,015 | 11% | $129 |
| Comp and Coll Deductibles | GEICO | $1,206 | $1,056 | 12% | $150 |
| Comp and Coll Deductibles | Auto-Owners | $1,377 | $1,179 | 14% | $198 |
| Comp and Coll Deductibles | Nationwide | $1,475 | $1,261 | 15% | $214 |
| Comp and Coll Deductibles | MMG Insurance | $1,606 | $1,299 | 19% | $307 |
| Comp and Coll Deductibles | Progressive | $1,859 | $1,667 | 10% | $192 |
| Comp and Coll Deductibles | Allstate | $1,904 | $1,695 | 11% | $210 |
| Comp and Coll Deductibles | State Farm | $2,280 | $2,137 | 6% | $144 |
| Comp and Coll Deductibles | Farmers | $2,784 | $2,312 | 17% | $472 |
| Days Advanced Purchase | Auto-Owners | $1,377 | $1,231 | 11% | $147 |
| Days Advanced Purchase | Nationwide | $1,475 | $1,406 | 5% | $69 |
| Days Advanced Purchase | Allstate | $1,904 | $1,526 | 20% | $378 |
| Days Advanced Purchase | Progressive | $1,859 | $1,801 | 3% | $58 |
| Days Advanced Purchase | Farmers | $2,784 | $2,623 | 6% | $160 |
| Days Per Week Driven | MMG Insurance | $1,606 | $1,529 | 5% | $77 |
| Education | GEICO | $1,206 | $1,122 | 7% | $84 |
| Education | Progressive | $1,859 | $1,760 | 5% | $99 |
| Electronic Funds Transfer | Nationwide | $1,475 | $1,414 | 4% | $61 |
| Electronic Funds Transfer | Allstate | $1,904 | $1,822 | 4% | $82 |
| Electronic Funds Transfer | Farmers | $2,784 | $2,561 | 8% | $222 |
| Electronic Signature | Progressive | $1,859 | $1,672 | 10% | $187 |
| Homeowner | The Hanover | $1,144 | $1,067 | 7% | $77 |
| Homeowner | GEICO | $1,206 | $1,097 | 9% | $108 |
| Homeowner | Progressive | $1,859 | $1,810 | 3% | $48 |
| Homeowner | Allstate | $1,904 | $1,811 | 5% | $94 |
| Lower Annual Mileage | The Hanover | $1,144 | $1,111 | 3% | $33 |
| Lower Annual Mileage | GEICO | $1,206 | $1,165 | 3% | $40 |
| Lower Annual Mileage | Auto-Owners | $1,377 | $1,356 | 2% | $22 |
| Lower Annual Mileage | Allstate | $1,904 | $1,782 | 6% | $122 |
| Lower Annual Mileage | Progressive | $1,859 | $1,809 | 3% | $50 |
| Lower Annual Mileage | State Farm | $2,280 | $2,055 | 10% | $225 |
| Loyalty - Years Renewal With Company | The Hanover | $1,144 | $1,025 | 10% | $119 |
| Loyalty - Years Renewal With Company | Progressive | $1,859 | $1,838 | 1% | $21 |
| Loyalty - Years Renewal With Company | State Farm | $2,280 | $1,965 | 14% | $315 |
| Loyalty - Years Renewal With Company | Farmers | $2,784 | $2,704 | 3% | $80 |
| Marital Status | The Hanover | $1,144 | $939 | 18% | $205 |
| Marital Status | GEICO | $1,206 | $1,047 | 13% | $159 |
| Marital Status | Auto-Owners | $1,377 | $1,161 | 16% | $216 |
| Marital Status | Nationwide | $1,475 | $1,334 | 10% | $141 |
| Marital Status | MMG Insurance | $1,606 | $1,493 | 7% | $113 |
| Marital Status | Progressive | $1,859 | $1,610 | 13% | $249 |
| Marital Status | Allstate | $1,904 | $1,888 | 1% | $17 |
| Marital Status | Farmers | $2,784 | $2,377 | 15% | $407 |
| Multi Policy | The Hanover | $1,144 | $888 | 22% | $256 |
| Multi Policy | GEICO | $1,206 | $1,089 | 10% | $117 |
| Multi Policy | Auto-Owners | $1,377 | $1,261 | 8% | $117 |
| Multi Policy | MMG Insurance | $1,606 | $1,317 | 18% | $290 |
| Multi Policy | Nationwide | $1,475 | $1,378 | 7% | $97 |
| Multi Policy | Progressive | $1,859 | $1,712 | 8% | $147 |
| Multi Policy | Allstate | $1,904 | $1,731 | 9% | $173 |
| Multi Policy | State Farm | $2,280 | $2,058 | 10% | $222 |
| Multi Policy | Farmers | $2,784 | $2,589 | 7% | $195 |
| Paperless/Electornic Documents | Auto-Owners | $1,377 | $1,364 | 1% | $14 |
| Paperless/Electornic Documents | Nationwide | $1,475 | $1,414 | 4% | $61 |
| Paperless/Electornic Documents | Allstate | $1,904 | $1,707 | 10% | $198 |
| Paperless/Electornic Documents | Progressive | $1,859 | $1,842 | 1% | $17 |
| Payment Type | The Hanover | $1,144 | $1,063 | 7% | $81 |
| Payment Type | Nationwide | $1,475 | $1,353 | 8% | $122 |
| Payment Type | Allstate | $1,904 | $1,735 | 9% | $170 |
| Payment Type | Farmers | $2,784 | $2,704 | 3% | $80 |
| Primary Use | Nationwide | $1,475 | $1,291 | 12% | $184 |
| Primary Use | MMG Insurance | $1,606 | $1,529 | 5% | $77 |
| Primary Use | Allstate | $1,904 | $1,756 | 8% | $148 |
| Primary Use | Progressive | $1,859 | $1,831 | 1% | $28 |
| Primary Use | State Farm | $2,280 | $2,017 | 12% | $263 |
| Profession | GEICO | $1,206 | $1,122 | 7% | $84 |
| Profession | Progressive | $1,859 | $1,533 | 17% | $325 |
| Safety Devices | GEICO | $1,206 | $1,176 | 2% | $29 |
| Safety Devices | Auto-Owners | $1,377 | $1,369 | 1% | $8 |
| Safety Devices | Allstate | $1,904 | $1,756 | 8% | $148 |
| Safety Devices | Progressive | $1,859 | $1,792 | 4% | $66 |
| Safety Devices | Farmers | $2,784 | $2,689 | 3% | $94 |
| Telematics | Nationwide | $1,475 | $1,309 | 11% | $166 |
| Telematics | Progressive | $1,859 | $1,672 | 10% | $187 |
| Telematics | State Farm | $2,280 | $2,096 | 8% | $184 |
| Years Insured | GEICO | $1,206 | $1,134 | 6% | $71 |
| Years Insured | Auto-Owners | $1,377 | $1,310 | 5% | $67 |
| Years Insured | Allstate | $1,904 | $1,453 | 24% | $451 |
| Years Insured | Nationwide | $1,475 | $1,459 | 1% | $16 |
| Years Insured | Progressive | $1,859 | $1,537 | 17% | $322 |
| Years Insured | Farmers | $2,784 | $1,753 | 37% | $1,030 |
| Years Licensed | Farmers | $2,784 | $2,342 | 16% | $442 |
How to get cheap car insurance in Manchester in 2025
To get cheap car insurance in Manchester in 2026, compare at least three quotes for the same coverage, ask about every available discount and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. you can afford. Maintaining a clean driving record, selecting a lower-cost vehicle to insure, and reviewing coverage at renewal can also reduce premiums.
Find affordable car insurance in Manchester by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Manchester.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Manchester
How much does car insurance cost in Manchester?
Car insurance costs an average of $1,914 per year or about $159 per month for full coverage in Manchester. This average is based on 100/300/100 liability limits with $500 deductibles.Your price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in NH?
No, you don't legally need full coverage in NH, but you will be required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Manchester?
You can reduce your car insurance costs in Manchester by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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