Manchester Car Insurance

How much does car insurance cost in Manchester, NH? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Manchester?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in New Hampshire has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Manchester typically pay around $110.88 per month compared to the national average of $145.24 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $145.24
New Hampshire $92.11
Manchester, New Hampshire $110.88

Manchester, NH Best Car Insurance Companies

car insurance in Manchester

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Concord Group generally has the most affordable car insurance in Manchester coming in around $86.09 per month. Other companies to consider if you live in Manchester is State Farm with an average cost of $91.25 per month and MMG Insurance Company which typically runs around $109.12 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Manchester.

RankCompanyAverage Monthly RateComparison State Average
1 Concord Group $86.09-6.53%
2 State Farm $91.25-0.93%
3 MMG Insurance Company $109.1218.47%
4 SAFECO $111.5521.11%
5 Encompass $112.5822.23%
6 Nationwide $148.5861.31%
7 Safety Group $156.4269.82%
8 Vermont Mutual $157.2770.75%
9 Metropolitan $164.5778.67%
10 Patriot Group $164.6678.77%

How Much is Car Insurance in Manchester, NH?

how much is auto insurance in Manchester

Rates can vary from city to city. The residents of Center Ossipee typically pay $73.49 per month while people who live in Concord will pay $91.69 per month on average. See what people pay for car insurance in other cities in New Hampshire.

New Hampshire CitiesMonthly Average Rate
Center Ossipee$73.49
Concord $91.69
Manchester $110.88
Nashua $91.47

Cheap Car Insurance in Manchester by Zip Codes

find cheap auto insurance in Manchester

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of New Hampshire. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Manchester, NH ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Manchester

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $245.63 per month in Manchester. Compare that to drivers in their 30’s who typically pay around $94.13 per month drivers in their 40s at $99.25 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Manchester

If you are teen in Manchester you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Concord Group typically charges around $162.08 per month. This is likely the most affordable option in Manchester. You might also want to consider Encompass and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Concord Group$162.08
State Farm$193.90
MMG Insurance Company$206.60

Cheapest Insurance for 20 Year-olds in Manchester

20 year-olds in Manchester might want to consider Concord Group who, on average, offers car insurance rates around $126.03 per month. State Farm , Encompass , MMG Insurance Company and SAFECO are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Concord Group$126.03
State Farm$129.45
MMG Insurance Company$164.18

Cheapest Insurance for 30 Year-olds in Manchester

If you are in your 30s in Manchester our research has found that Concord Group typically has the most affordable coverage coming in around $74.70 per month, followed by State Farm at $76.99 and SAFECO at $94.79.

CompanyAverage Monthly Rate
Concord Group$74.70
State Farm$76.99
MMG Insurance Company$95.25

Cheapest Insurance for 40 Year-olds in Manchester

On average, Concord Group offers car insurance for 40 year-olds in Manchester for around $69.11 per month. If you are looking for affordable coverage, you may also want to consider State Farm or MMG Insurance Company. The full list of top companies is below.

CompanyAverage Monthly Rate
Concord Group$69.11
State Farm$77.43
MMG Insurance Company$79.57

Cheapest Insurance for 50 Year-olds in Manchester

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Manchester we found that Concord Group generally offers the most affordable coverage at $64.17 per month.

CompanyAverage Monthly Rate
Concord Group$64.17
State Farm$71.59
MMG Insurance Company$79.58
Commerce Group Inc$88.97

Cheapest Insurance for 60 Year-olds in Manchester

If you live in Manchester and you’re in your 60s, our data indicates that Concord Group usually has the best rates at $68.33 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Concord Group$68.33
State Farm$68.66
MMG Insurance Company$82.55

Driver's Coverage Auto Insurance Rates in Manchester, NH

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Manchester, the average monthly rate for a driver who is currently insured is $110.07 while drivers who are not currently covered will pay around $112.21.

CoverageAverage Monthly Rate
Not Currently Insured $112.21
Currently Insured $110.07

Compare Recent Car Insurance Quotes in Manchester

auto insurance quotes in Manchester city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Manchester a driver of a 2023 Toyota Corolla Cross can expect to pay around $183.00 per month while someone that owns a 2019 Chevrolet Equinox may pay around $121.12 per month. Check out the list of recent quotes in Manchester below.

VehicleAverage Monthly Rate
2023 Toyota Corolla Cross$183.00
2019 Chevrolet Equinox$121.12
2022 Ram 1500$242.04

FAQ's for Drivers in Manchester, NH

driver’s frequently asked question in Manchester

What Is the Minimum Liability Coverage Requirement in Manchester, NH?

Many motorists think auto insurance is an unnecessary expense because they’ve never benefited from it. But you can’t predict the future and you can’t control other drivers on the road. There’s no way to know if or when you’ll be involved in a crash, how much damage will result, or whether the other driver will have insurance. Obtaining auto insurance protects you, your family, your car, and your financial well-being.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

New Hampshire motor vehicle laws don’t require residents to carry auto insurance, as long as you can show the ability to provide sufficient funds to meet the state’s Motor Vehicle Financial Responsibility Requirements in the event of an “at fault” accident. If this financial responsibility cannot be met, your driving privileges may be suspended. However, it’s a good idea to carry auto insurance to protect yourself in case of an accident.

What Is the Blood Alcohol Concentration (BAC) limit in Manchester, NH?

It’s illegal for individuals to operate a vehicle in New Hampshire with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

If your BAC is 0.16% or higher in New Hampshire, you can be charged with aggravated DUI and face greater penalties, including longer jail time.

What happens if my coverage lapses?

Insurance coverage is not mandatory in New Hampshire and therefore there is no penalty for a lapse in coverage. If you’re involved in an accident, are uninsured, and are unable to meet your financial responsibilities associated with the collision, there are serious consequences.


Commute Time in Manchester, NH

23.3 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Manchester, NH


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Answer a few questions and let Penny find the best rates in your area.