Cheapest car insurance companies in Manchester 

A recent data analysis by Insurance.com found the cheapest car insurance companies are Auto-Owners and The Hanover in Manchester for 2023. 

Auto-Owners offers the cheapest car insurance premium for Manchester drivers at an annual rate of $869 a year, on average. 

The cost of car insurance in Manchester varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers 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

Cheapest car insurance cost in Manchester by Age Group 

Auto-Owners stands out as Manchester's cheapest auto insurance company for teen drivers at an average annual of $2,086. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups. 

Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.

For young drivers in Manchester, Auto-Owners has the cheapest auto insurance rates, with an average annual cost of $1,417 annually

Drivers in Manchester stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Auto-Owners has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $907 a year

If you are a senior driver in Manchester and looking for a cheap car insurance company, then consider buying insurance from Auto-Owners. It is the cheapest auto insurance company for senior drivers, with an average premium of $927 per year

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

Cheapest car insurance companies in Manchester by driver profile 

Insurers in Manchester consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

When it comes to finding the cheapest car insurance rates in Manchester, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.

In Manchester, these insurance companies offer cheap car insurance rates based on your driver profile.

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Manchester drivers at about $1,329 per year

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
Geico$1,329
USAA$1,602
Nationwide$1,642
Progressive$1,710
Allstate$2,475
State Farm$2,572

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

Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.

CompanyAverage annual premium
USAA$1,031
State Farm$1,147
Progressive$1,302
Geico$1,719
Nationwide$1,764
Allstate$2,092

If you've had an accident, State Farm might be your best bet for affordable auto insurance.

For Manchester drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,334. It's a great option if you're looking for affordable coverage that won't break the bank.

After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.

CompanyAverage annual rates
State Farm$1,334
USAA$1,401
Progressive$1,757
Nationwide$1,856
Geico$2,017
Allstate$2,801

Among the carriers analyzed, Progressive offers the cheapest auto insurance premiums for drivers with a DUI in Manchester. On average, its annual full coverage rate is $1,502, making it a significantly cheaper option than other insurance providers.

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage annual rates
Progressive$1,502
USAA$1,510
State Farm$2,107
Geico$2,392
Allstate$2,612
Nationwide$2,944

Average car insurance cost in Manchester 

In Manchester, the average annual cost for full coverage car insurance is around $1,436, which breaks down to approximately $120 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Manchester is about $508.

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState minimum average
$1,436$508

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.