Manchester Car Insurance

The Zebra
May 30, 2018

Car Insurance in Manchester

New Hampshire is known for its economical premiums, as its mean rate is $344 lower than the national average. While premiums in in Manchester are also relatively low, it is still critical to cut costs while insuring a vehicle. Keep some money in your pocket by following the tips below about how to save on car insurance in Manchester.

  • City Average: $1,259
  • State Average: $1,083
  • National Average: $1,427

Manchester Car Insurance by Gender and Marital Status

Car insurance premiums in Manchester can be influenced by driver traits such as gender and marital status. 1% is the amount by which men's and women's car insurance premiums vary. Being married can save you close to $70 per year compared to being single or divorced. Rates for those who are widowed are marginally cheaper than rates for those who are single.

  • Female: $1,243
  • Male: $1,259
  • Single: $1,259
  • Married: $1,191
  • Divorced: $1,259
  • Widowed: $1,252

Manchester Car Insurance by Accident or Violation History

Do you have an accident or violation history? That can have an impact on your car insurance rates. A DUI will increase your car insurance premiums more than other driving violations. In Manchester, drivers with a DUI have rates 73% higher than the city average ($1,259). Reckless driving will also push your premiums up, with typical rates of $2,176! Insurance rates are impacted by at-fault accident history, and more specifically, by the extent of the damage that resulted from the accidents. When comparing premiums for drivers with at-fault accidents in Manchester, those with damages exceeding $2,000 pay 5% more than those with damages less than $1,000.

  • DUI: $2,180
  • Reckless Driving: $2,176
  • At-fault Accident (damages less than $1000): $2,014
  • At-fault Accident (damages greater than $2000): $2,121
  • Speeding Ticket (16-20 mph over speed limit): $1,561

Manchester Car Insurance by Age

Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest insurance premiums among any age group, with rates of $1,113/year. When drivers hit their 20s in Manchester, therefore moving out of the teenage age bracket, they can save $3,899 annually, the largest difference between any age group. Insurance rates in Manchester continue to trend downward up until drivers hit 60. Teenage drivers have the highest rates amongst all the age groups. They have average car insurance payments of $5,718.

  • Teenagers: $5,718
  • 20s: $1,819
  • 30s: $1,239
  • 40s: $1,185
  • 50s: $1,113
  • 60s: $1,221
  • 70s: $1,603

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Manchester Car Insurance by Credit Rating

People with Very Poor credit (300-579) usually pay more than twice as much every year on premiums than those with Exceptional credit (800-850). Drivers can save an average of $289 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $2,259
  • Fair: $1,919
  • Good: $1,605
  • Very Good: $1,316
  • Exceptional: $1,089