Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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Are you looking for cheap auto insurance in Manchester? At, you will find the best insurance rates locally. To get free car insurance estimates offered by the leading providers today, provide your zip code in the quote box here.

Manchester grew up around the Amoskeag Manufacturing Company in the early 1800’s. For nearly a century it was a company town with much of its economic development depending on Amoskeag. But due to careful city planning, Manchester successfully diversified its economy and is now one of the largest cities in New England, next to Boston.

  • Fun fact: did you know that Manchester is #77 on the list of “Top 100 least racially diverse cities (pop. 50,000+)”?

Auto Insurance Coverage Requirements in New Hampshire

Driving legally in Manchester requires:

CoverageRequirementsMost Common
Bodily Injury LiabilityNot required (25,000/50,000 if purchased)100,000/300,000
Property Damage LiabilityNot required (25,000 if purchased)50,000
Uninsured Motorist Bodily InjuryNot required (25,000 if purchased)10,000/20,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible

As you may be aware, auto insurance isn’t technically a legal requirement in the state of New Hampshire. However, if you opt not to buy a policy, then you must submit legal documentation proving that you can cover any/all expenses in the event that you are found at fault for causing an accident. Most drivers, however, find it much simpler to purchase an automotive policy instead of getting tangled in all that red tape.

According to some data, the majority of drivers in New Hampshire are currently paying about $82 per month for their automobile premiums. But Manchester motorists have a golden opportunity to drastically lower their rates right now – some can even get insured for $42/mo* or less!

Average Monthly Auto Insurance Premiums Legend: Manchester Liberty Mutual Amica Nationwide Allstate State Farm 5 10 15 20 25 30 35 40 $42 $41 $42 $42 $35


It seems as though Amica and State Farm are offering the lowest rates for the average driver in the Manchester area. However, your personal circumstances may drastically alter that quote. Make sure you do plenty of research on prospective providers, and get lots of free quotes before you make a final decision.

Auto insurance carriers consider numerous elements when calculating insurance prices, among them gender, zip code, credit score/rating, driving distance to work, and current insurance coverage and limits. Also keep in mind that premiums might vary from business to business. To verify you’re still being charged the lowest-cost cost, check cheap New Hampshire auto insurance quotes over the internet.


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Major Car Insurance Factors in Manchester

At the time your automobile insurance company sits down to come up with your insurance policy, they take a lot of aspects into consideration. Many of these, just like your age or maybe your particular address, are usually impossible to modify. Some alternative factors are:

Your Zip Code

The spot where you park your automobile each night will likely have a serious impact on your auto insurance rate. Usually, car insurance is cheaper in rural locations simply because fewer automobiles signifies a smaller likelihood that you’re going to get in a wreck with another automobile. The population of Manchester is 110,378 and the general family earnings are $51,248.

Auto Insurance by Zip Code Legend: Concord Rochester Nashua Manchester Derry Liberty Mutual Amica Nationwide Allstate State Farm 5 10 15 20 25 30 35 40 45 $28 $32 $35 $42 $33 $30 $34 $34 $41 $34 $34 $36 $38 $42 $40 $38 $37 $41 $42 $45 $25 $29 $29 $35 $32


Automotive Accidents

The fatal crash statistics for Manchester are available in the chart below. Speaking of, did you know that many automotive insurance providers will alter their premiums based on how safe (or unsafe) it is to drive in a specific area? Ask your local agent if the accident rates in Manchester are raising or lowering your premiums.

Fatal Accidents in Manchester, NH Legend: Manchester Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 9 4 6 2 4 9


Auto Thefts in Manchester

Auto theft can be a significant problem, particularly in highly populated locations. If your region and/or vehicle model place you at a higher risk for theft, you might have problems obtaining low-cost car insurance. The full number of stolen vehicles in 2013 was 159 for Manchester. And if you happened to be worried about auto theft, then make sure you have Comprehensive coverage on your policy (with a fairly low deductible, too).

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Liberty Mutual Amica Nationwide Allstate State Farm 15 30 45 60 75 90 105 120 135 $42 $142 $41 $120 $42 $76 $42 $114 $35 $82


Your Credit Score

It can be tough to find affordable insurance rates, especially if you have an imperfect credit score. Many companies will charge you double, or perhaps more, for having poor credit. But in certain areas, Manchester included, there might be auto policy providers who will offer low rates regardless of credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Liberty Mutual Amica Nationwide Allstate State Farm 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 $31 $79 $32 $79 $39 $56 $37 $52 $29 $66


Your Age

Younger drivers have much less experience than their adult counterparts, and therefore get charged more just to maintain basic insurance coverage. But for young drivers who get good grades, and/or take some drivers education classes, there are discounts available.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Liberty Mutual Amica Nationwide Allstate State Farm 25 50 75 100 125 150 175 200 225 250 $42 $180 $41 $206 $42 $261 $42 $115 $35 $141


Your Driving Record

Having several serious moving violations on your record will cause your monthly premiums to skyrocket – and it may cause certain companies to deny you coverage. But if all you have are a few minor infractions, ask your agent about Accident Forgiveness discounts. It could help you save a great deal each month.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Amica Nationwide Allstate State Farm 15 30 45 60 75 90 105 120 135 $42 $44 Do Not Sell $70 $41 $56 $140 $48 $42 $59 $104 $80 $42 $45 $49 $54 $35 $35 $77 $45


Your Vehicle

Ever wonder why it costs so much more to insure a luxury vehicle than, say, a Ford Fiesta? Well, auto policies aren’t automatically more expensive for luxury vehicles. But you will have to purchase additional coverage options, and in higher amounts, in order to properly protect such a vehicle. And this will drastically increase your monthly premium.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Amica Nationwide Allstate State Farm 15 30 45 60 75 90 105 120 135 150 $42 $151 $41 $127 $42 $71 $42 $158 $35 $101


Minor Car Insurance Factors in Manchester

These factors may also help you alter what you pay for your monthly premium:

Your Marital Status

If you’re married, then it’s easy to get a quick and simple discount by bundling your automobile insurance policy with that of your spouse. The only catch is that you have to make sure both policies are insured under the same company.

Your Gender

Unlike a few decades ago, most providers these days won’t charge you a radically different premium for one gender over another. Considering the fact that there’s no substantial difference between how women and men drive, the fact that most companies have discontinued such a practice is more than fair.

Your Driving Distance to Work

Commute times for Manchester aren’t too bad, usually ranging between 17-25 minutes. Some commute times can also last up to 31 minutes, but those are not as common. Around 77% of drivers will take their own vehicle alone to work, while an additional 10-22% will carpool.

If you have to insure your vehicle for business purposes, you’ll be looking at a 10-13% higher monthly premium, on average. And don’t waste too much time worrying about how much you drive. Whether you’re adding only a few thousand miles or tens of thousands of miles to your odometer each year, you’re only paying a 5-6% difference.

Your Coverage and Deductibles

If you think your monthly payment is too high, talk to your insurance agent about adjusting your deductible. By raising it, or agreeing to pay a higher amount in the event that you must file a claim, your provider will lower your monthly insurance payments. But make sure you put a little money aside – just in case.

Education in Manchester, NH

Just over 30% of Manchester residents have successfully completed all requirements for a high school diploma or equivalent thereof. Another 19% have yet to complete their high school education. But for those who go above and beyond to earn an advanced degree, there are more benefits in store than may be expected. One of those is cheaper car insurance. It may sound unlikely, but having a college degree is even better than having a prestigious job or a lucrative salary when it comes to low automotive insurance rates.

Whether you’re looking for liberal arts or technical training, you will find a school in Manchester which can suit your needs. The University of New Hampshire at Manchester and Saint Anselm College, for example, offer four-year degrees in many different subjects. Hesser College, on the other hand, provides students with more than 25 programs for pursuing various two-year degrees. Uncover more about Manchester here.

Obtaining inexpensive automobile insurance might be a headache. There’s lots of important information to think about, and determining just how insurance companies evaluate your potential risk might be complex. But don’t allow the wrong insurance company to talk you into buying the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


New Hampshire Insurance Department

New Hampshire Banking Department

Department of Highway Safety and Motor Vehicles

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