Manchester, NH Auto Insurance | Cheap Car Insurance in Manchester, NH

Drivers searching for cheap car insurance in Manchester, NH have a few choices. The best Manchester, NH car insurance companies are listed as Liberty Mutual, Amica, Nationwide, Allstate, and State Farm. State Farm provides the lowest Manchester, NH auto insurance at $35 monthly.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

Full Bio →

Written by

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. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Cheap car insurance in Manchester, NH is provided by State Farm with rates as low as $35 monthly. Additionally, some of the other best Manchester, NH car insurance companies like Liberty Mutual, Amica, Nationwide, and Allstate provide competitive rates. For New Hampshire auto insurance, it would be best to have 25/50/25 minimum in liability coverage. Insurance will pay if you are responsible for the accident. We advise getting more than the Manchester, NH auto insurance coverage minimum.

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+)”?

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

Auto Insurance Coverage Requirements in New Hampshire

Driving legally in Manchester requires:

Coverage Requirements Most Common
Bodily Injury Liability Not required (25,000/50,000 if purchased) 100,000/300,000
Property Damage Liability Not required (25,000 if purchased) 50,000
Uninsured Motorist Bodily Injury Not required (25,000 if purchased) 10,000/20,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 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. However, $42/mo* or less is what’s the average car insurance rate in Manchester, New Hampshire.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Manchester Car Insurance Rates by Company

Average Monthly Auto Insurance PremiumsLegend: Manchester Liberty Mutual Amica Nationwide Allstate State Farm 510152025303540$42$41$42$42$35


It seems as though Amica and State Farm are offering the lowest Manchester, NH auto insurance rates for the average driver. 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.

Manchester, NH auto insurance companies 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.


Major Factors in Cheap Car Insurance in Manchester, New Hampshire

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 the cheapest auto insurance in Manchester, New Hampshire. 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.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Amica Nationwide Allstate State Farm 153045607590105120135150$42$151$41$127$42$71$42$158$35$101


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 car insurance Manchester, New Hampshire agents if the accident rates in Manchester are raising or lowering your premiums.

Fatal Accidents in Manchester, NHLegend: Manchester Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 12345678946249


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 PolicyLegend: Basic Coverage Comprehensive Coverage Liberty Mutual Amica Nationwide Allstate State Farm 153045607590105120135$42$142$41$120$42$76$42$114$35$82


Manchester Car Insurance Rates by Credit Tier

It can be tough to find affordable Manchester, NH auto insurance, 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 ScoreLegend: Excellent Credit Poor Credit Liberty Mutual Amica Nationwide Allstate State Farm 51015202530354045505560657075$31$79$32$79$39$56$37$52$29$66


Manchester Auto Insurance Premiums by 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 ComparisonLegend: 34 Year Old 17 Year Old Liberty Mutual Amica Nationwide Allstate State Farm 255075100125150175200225250$42$180$41$206$42$261$42$115$35$141


Manchester Car Insurance Premiums by Citation and Accident History

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 ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Amica Nationwide Allstate State Farm 153045607590105120135$42$44Do 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/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Amica Nationwide Allstate State Farm 153045607590105120135150$42$151$41$127$42$71$42$158$35$101


Minor Factors in Cheap Auto Insurance in Manchester, New Hampshire

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

Manchester Car Insurance Rates by Marital Status and Gender

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.

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 the cheapest car insurance in Manchester, NH. 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.

Whether you’re looking for the cheapest car insurance in Manchester, NH airport or not, 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.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

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

Compare the cheapest car insurance in Manchester, New Hampshire from top providers by typing in your ZIP code into the calculator below.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption