The average car insurance rate in Manchester is $99 per month. Are you paying too much?
Car insurance costs an average of $1,192 per year in Manchester, New Hampshire. That's more than the average in New Hampshire ($1,037) and cheaper than the national average of $1,548. Our guide to car insurance in Manchester — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
| Manchester Average (annual) | New Hampshire Average | National Average |
| $1,192 | $1,037 | $1,548 |
The difference in auto insurance rates from company to company can be substantial. For a typical driver, Concord Group offers Manchester's cheapest rates. Reference below the top options for affordable insurance in Manchester. Don't forget to compare car insurance quotes based on your unique driving profile.
| Insurer | Average Annual Rate |
| Concord Group | $760 |
| GEICO | $826 |
| Liberty Mutual | $997 |
| State Farm | $1,019 |
| Amica | $1,232 |
The age group that pays the least for car insurance in Manchester are drivers in their 50s ($1,047 per year). Rates for Manchester drivers in their 40s are also relatively affordable, at just $1,118 per year.
Teenage drivers pay Manchester's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Manchester is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Manchester is $3,157, the largest such difference between any two age brackets.
| Age bracket | Average Yearly Rate |
| Teenagers | $4,827 |
| 20s | $1,670 |
| 30s | $1,170 |
| 40s | $1,118 |
| 50s | $1,047 |
| 60s | $1,151 |
| 70s | $1,479 |
Learn more about the impact of age on car insurance premiums.
Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Manchester pay $77 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Manchester, widowed drivers pay less than those who are single.
Gender is yet another factor that can affect auto insurance premiums. The typical male driver in Manchester pays $29 more each year for car insurance than does his female counterpart.
| Gender/Marital Status | Average Yearly Rate |
| Female | $1,163 |
| Male | $1,192 |
| Single | $1,115 |
| Married | $1,115 |
| Divorced | $1,192 |
| Widowed | $1,177 |
Learn more about how gender and marital status change insurance rates.
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Manchester drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $833 per year versus the city average. A ticket for speeding results in a $288 rate hike while a DWI or DUI violation costs $910 per year in insurance expenditures.
| Violation/Incident | Average Annual Rate |
| DUI/DWI | $2,102 |
| Reckless Driving | $2,025 |
| At-fault Accident (damages < $1,000) | $1,644 |
| At-fault Accident (damages greater than $2,000) | $1,785 |
| Speeding Ticket (16-20 mph over speed limit) | $1,480 |
Learn more about citations' impact on your auto insurance rates.
It's no secret that credit score is closely correlated with auto insurance rates. Manchester drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 58% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Manchester, improving your credit to "Fair" could help you earn an $862 decrease in yearly insurance premiums.
| Credit Score | Average Rate (annual) |
| Very Poor | $2,355 |
| Fair | $1,493 |
| Good | $1,192 |
| Very Good | $1,085 |
| Exceptional | $989 |
Learn more about the relationship between credit and car insurance.
