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Cheap Auto Insurance Quotes in Manchester, NH (June 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in Manchester, NH
The average cost of New Hampshire car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Manchester, NH to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Manchester is $163 per month, or $1956 annually.
- Car insurance in Manchester is $30 more than the average cost of car insurance in New Hampshire.
- The cheapest car insurance provider in Manchester on average is Progressive, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$40
Allstate$69
GEICO$85
American Family$106
Travelers$112
Cheapest Car Insurance in Manchester, NH
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Manchester | Quotes |
|---|---|
| Progressive | $40 /mo |
| Allstate | $69 /mo |
| GEICO | $85 /mo |
| American Family | $106 /mo |
| Travelers | $112 /mo |
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Average Car Insurance Cost
| New Hampshire Cities | |
|---|---|
| Nashua | $133/mo |
| Concord | $101/mo |
| Dover | $101/mo |
| Rochester | $116/mo |
| Manchester | $114/mo |
| New Hampshire | $113/mo |
Concord$101
Dover$101
Average for NH$113
Manchester$114
Rochester$116
Nashua$133
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in New Hampshire
In the state of New Hampshire, liability insurance is not mandatory. The state requires drivers to pay for any injury or property damage arising from their vehicles. To avoid legal repercussions of an unexpected accident, it is recommended that New Hampshire drivers purchase insurance just in case.
If New Hampshire[1] residents do decide to purchase car insurance, the minimum limits are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Hampshire is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
- $1,000 per accident for Medical Payments Coverage
Similar to PIP coverage, Medical Payments Coverage will cover the policyholder for medical payments they incur in the event of an accident..
- $25,000 per accident for uninsured/underinsured motorists
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In New Hampshire, your uninsured and underinsured coverage must match your current liability coverage.
Find local Manchester agents
Foy Insurance-Manchester
1889 Elm St,
Manchester, NH 03104-2525Cross Insurance Agency
1100 Elm St,
Manchester, NH 03101Roger J Belanger Agcy Inc
904 Hanover St.,
Bldg. #2, Manchester, NH 03104-5422Clark Insurance
1 Sundial Ave Ste 302N,
Manchester, NH 03103-7254Optisure Risk Partners
40 Stark St,
Manchester, NH 03101-1979New England Risk Management, Inc.
530 Chestnut Street,
Manchester, NH 03101Granite Group Benefits, LLC
1001 Elm Street,
Ste. 301, Manchester, NH 03101Fortified Insurance Agency
911 Candia Road,
Manchester, NH 03109FIAI Inc dba Ferdinando Ins. Assoc.
1100 Elm St,
Manchester, NH 03104AVOCA Underwriting Partners, Inc.
1000 Elm Street,
Ste. 1900, Manchester, NH 03101
Most Patriotic City
Manchester
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Nashua won Insurify's Most Patriotic Cities Award for the state of New Hampshire. In 1775, many minutemen from the area (then called Dunstable) fought in the Battle of Bunker Hill during the Revolutionary War.
FAQs - Manchester, NH Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Manchester Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Manchester, New Hampshire below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Manchester drivers measure up to their fellow motorists across New Hampshire in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Dodge Dakota
Most Popular Car in Manchester
#1
City with the Most Speeding Tickets Rank in New Hampshire
#2
City with the Most Moving Violations Rank in New Hampshire
#1
City with the Most DUIs Rank in New Hampshire
#2
City with the Most Suspended Licenses in New Hampshire
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Manchester drivers rank 1 in the number of car accidents per driver across all cities in New Hampshire.
- Rank within state: #1
- Percent of drivers in Manchester with an accident: 15.08%
- Drivers in Manchester, NH with an accident in their driving history pay on average 18.75% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Hampshire, Manchester drivers rank 1 in the number of speeding infractions per driver.
- Rank within state: #1
- Percent of drivers in Manchester with a speeding ticket: 13.69%
- Drivers in Manchester, NH with a speeding ticket in their driving history pay on average 22.92% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Manchester drivers rank 1 in the number of DUI’s per driver across all cities in New Hampshire.
- Rank within state: #1
- Percent of drivers in Manchester with a DUI: 1.79%
- Drivers in Manchester, NH with a DUI in their driving history pay on average 0% more than drivers with a clean record
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New Hampshire, Manchester drivers rank 1 in rude driving infractions.
- Rank within state: #1
- Percent of drivers in Manchester with a reckless driving violation: 3.17%
- Drivers in Manchester, NH with a reckless driving violation in their driving history pay on average 30.56% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Manchester drivers rank 1 in clean driving records across all cities in New Hampshire.
- Rank within state: #1
- Percent of drivers in Manchester with clean record: 74.21%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Manchester drivers rank 1 in failure to yield violations per driver across all cities in New Hampshire.
- Rank within state: #1
- Percent of drivers in Manchester with a failure to yield violation: 0.2%
- Drivers in Manchester, NH with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New Hampshire, Manchester drivers rank 1 in the number of reckless driving offenses per driver.
- Rank within state: #1
- Percent of drivers in Manchester with a reckless driving offense: 0.2%
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Manchester is the Dodge Dakota.
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Sources
- New Hampshire Insurance Department. "State Minimum Car Insurance Requirements." Accessed May 28, 2022