Cheapest car insurance companies in Manchester 

After an in-depth analysis, Insurance.com found that Auto-Owners and The Hanover are the cheapest car insurance companies in Manchester for 2023. 

Auto-Owners has the cheapest car insurance rates in Manchester at an average cost of $869 per year.

Car insurance costs may vary in Manchester based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Manchester.

CompaniesAverage annual rates
Auto-Owners$869
USAA$961
The Hanover$1,226
MMG Insurance$1,229
Geico$1,311
Nationwide$1,405
Progressive$1,410
State Farm$1,474
Farmers$2,135
Allstate$2,345
Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Manchester by Age Group 

In Manchester, Auto-Owners is the cheapest car insurance company for teenagers, offering full coverage policies at $2,086 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

Auto-Owners is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Manchester at about $1,417 per year

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Manchester is Auto-Owners. Its average rate for a full coverage car insurance policy is $907 per year

Auto-Owners tops the list in terms of affordability for senior drivers in Manchester. With an average annual premium of $927, Auto-Owners offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.

CompanyTeensYoung AdultsAdultsSeniors
Auto-Owners$2,086$1,417$907$927
The Hanover$2,326$1,581$1,182$1,138
MMG Insurance$2,916$2,068$1,299$1,425
USAA$4,400$1,663$988$1,063
Geico$4,552$2,226$1,372$1,422
State Farm$5,196$2,574$1,490$1,450
Nationwide$5,721$2,630$1,404$1,409
Allstate$5,801$3,484$2,452$2,664
Progressive$7,108$2,609$1,431$1,528
Farmers$8,456$4,177$2,129$2,109
Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Manchester by driver profile 

When determining car insurance rates in Manchester, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

To find the cheapest car insurance company in Manchester, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget. 

Here's a list of car insurance companies that offer cheap insurance rates in Manchester based on driver profile. 

If you're a Manchester driver with poor credit, Geico is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,329 annually

Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Manchester.

CompanyAverage annual rates
Geico$1,329
USAA$1,602
Nationwide$1,642
Progressive$1,710
Allstate$2,475
State Farm$2,572
Data updated in 2024
Read our full methodology

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Manchester. It provides full coverage car insurance for drivers aged 30 at about $1,031 per year

Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors. 

Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price. 

CompanyAverage annual premium
USAA$1,031
State Farm$1,147
Progressive$1,302
Geico$1,719
Nationwide$1,764
Allstate$2,092
Data updated in 2024
Read our full methodology

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Manchester with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,334 annually.

CompanyAverage annual rates
State Farm$1,334
USAA$1,401
Progressive$1,757
Nationwide$1,856
Geico$2,017
Allstate$2,801
Data updated in 2024
Read our full methodology

In Manchester, Progressive has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,502 a year

A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.

CompanyAverage annual rates
Progressive$1,502
USAA$1,510
State Farm$2,107
Geico$2,392
Allstate$2,612
Nationwide$2,944
Data updated in 2024
Read our full methodology

Average car insurance cost in Manchester 

In Manchester, the annual cost of car insurance for the coverage level of 100/300/100 is $1,436 or around $120 per month. However, the average yearly rate for state minimum coverage in Manchester is $508.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState minimum average
$1,436$508
Data updated in 2024
Read our full methodology

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

While the 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.