Manchester Car Insurance

What's the average car insurance rate in Manchester?


Car insurance costs an average of $1,192 per year in Manchester, New Hampshire. That's more than the average across 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.


AUTO INSURANCE: MANCHESTER RATES VS. STATE + NATIONAL AVERAGES
Manchester Average (annual)New Hampshire AverageNational Average
$1,192$1,037$1,548

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Manchester car insurance costs by company


The difference in auto insurance rates from company to company can be substantial. For a typical driver, Concord offers Manchester's cheapest rates. Reference below the top options for affordable insurance in Manchester. Don't forget to get car insurance quotes based on your unique driving profile.


MANCHESTER AUTO INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
Concord$760
GEICO$826
Liberty Mutual$997
State Farm$1,019
Amica$1,232

Read our guide to finding the best cheap auto insurance.



Manchester auto insurance premiums by age

The age group that pays the least for car insurance in Manchester are drivers in their age_50s ($1,047per year). Rates for Manchester drivers in their age_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.


MANCHESTER AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage 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.



Manchester car insurance rates by marital status and gender


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.


MANCHESTER AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage 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 have on insurance rates.



Manchester car insurance premiums by citation and accident history


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 $910per year in extra insurance expenditures.


AVERAGE MANCHESTER INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage 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.



Manchester car insurance rates by credit tier


It's no secret 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.


MANCHESTER CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit ScoreAverage Rate (annual)
Very Poor$2,355
Fair$1,493
Good$1,192
Very Good$1,085
Exceptional$989

Learn more about the relationship between poor credit and car insurance.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.