Manchester Auto Insurance Rates, Quotes, Agents & Reviews in NH

Manchester, NH Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Manchester, NH, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Save Up To $102 on a Single Auto-Theft Device in Manchester, NH

The average cost of auto insurance in Manchester, NH, is as low as $1,452. Car owners in Manchester can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Manchester.

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Multi-Car Insurance:

Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Manchester is $2,526, while the cost of insuring four vehicles under this policy is $5,053. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. 

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

For instance, post-DUI, the cost of auto insurance in Manchester, can amount to $2,566 from $1,452. That’s significantly more than the average cost of auto insurance in Manchester. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving. 

Anti-Theft Discounts:

Car insurers across New Hampshire offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling tool helps save the most on auto insurance in Manchester.

Discounts for Students:

Teenagers in Manchester pay $4,711 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.

Low-end car insurance prices in Manchester, New Hampshire, start at $430

“I am satisfied with my insurance company's policy because it offers all the coverage I need at a good price. The policy is easy to understand.”: one insurance holder told Zimlon in its survey. Usually, getting a suitable auto insurance in New Hampshire is a difficult task and requires customers to analyze and compare multiple policy offerings

According to a recent Zimlon analysis in Manchester, New Hampshire, the cheapest car insurance price starts at $430. The study focuses on the premiums offered by different companies in Manchester. It appears that prices differ by a driver’s background and driving record. The cheapest premium rates range between $430 and $1,400. Progressive Northern Insurance, for example, offers the cheapest quote for 72-year-old married drivers who have no traffic violation over the past three years.

This analysis makes the following assumptions. First, the bodily injury liability limit is $100,000 per person and $300,000 per occurrence; property damage liability is $100,000; deductibles for collision and comprehensive are $500 and $250; and medical payments are estimated at $5,000. Second, for a new business, the premium-paying period is 12 months. Third, premiums are not considered for multi-policy or package discounts. Fourth, if an insurer sells single limit liability coverage only, the premiums reflect a combined single limit of $300,000. Fourth, the insured must have prior insurance with a standard carrier at the same limit and no lapse in coverage. Fifth, if a company considers credit when calculating the premium, it means the policyholder has the highest credit rating. In other words, lower credit scores will generate higher premiums. Finally, vehicles do not have anti-theft, anti-lock, or any other safety device unless noted within the Vehicle Identification Number.

This study calculated the difference between the cheapest and median prices for a particular category of driver to estimate their potential savings. The findings suggest that 30-year-old single male drivers with a history of no traffic violation report the highest savings ($1,815) by investing in the right company. For this category, Progressive Northern Insurance offers the cheapest premium at $462 and Co-operative Insurance provides the median premium at $2,277.

The second highest savings at $1,393 are by 44-year-old married drivers with one traffic ticket in the past three years. For this cohort, the cheapest premium is offered by Main Street America Protection Insurance at $1,400 and the median premium is by Providence Mutual Fire Insurance at $2,793.

The following graph compares the premium rates charged by key companies in Manchester, New Hampshire.

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The following table compares car insurance premiums offered by key companies in Manchester, New Hampshire. In addition, it lists the names of the companies and the differences between the median and cheapest or most expensive rates.

Cohort Cheapest car insurance companies in Manchester, NH Second cheapest car insurance companies in Manchester, NH Car insurance companies offering the median premium in Manchester, NH Second most expensive car insurance companies in Manchester, NH Most expensive car insurance companies in Manchester, NH Difference between the cheapest and median prices Difference between the most expensive and median prices
30-year-old single male drivers with no traffic violations Progressive Northern Ins. Co. ($462) Progressive Universal Ins. Co. ($575) Co Operative Ins Cos ($2,277) Interins Exchange Of The Automobile Club ($6,124) Patriot Ins. Co. ($10,818) $1,815 $8,541
44-year-old married drivers with one traffic violation in the past 3 years Main Street America Protection Ins. Co. ($1,400) GEICO Advantage Ins. Co. ($1,464) Providence Mutual Fire Ins. Co. ($2,793) Central Mutual Ins. Co. ($5,468) LM General Ins. Co. ($6,981) $1,393 $4,188
19-year-old single female drivers with no traffic violations Allstate Fire & Cas Ins. Co. ($868) GEICO Advantage Ins. Co. ($990) State Farm Fire & Cas Co. ($2,092) Central Mutual Ins. Co. ($4,238) LM General Ins. Co. ($5,165) $1,224 $3,073
23-year-old single male drivers with no traffic violations GEICO Advantage Ins. Co. ($562) Main Street America Protection Ins. Co. ($777) Nationwide Mutual Ins. Co. ($1,467) Central Mutual Ins. Co. ($2,539) Commerce Ins. Co. ($4,015) $905 $2,548
35-year-old married drivers with one speeding violation in the past 3 years Progressive Northern Ins. Co. ($740) Progressive Universal Ins. Co. ($772) Standard Fire Ins. Co. ($1,587) Central Mutual Ins. Co. ($2,810) Commerce Ins. Co. ($3,009) $847 $1,422
35-year-old single female drivers with no traffic violations Progressive Northern Ins. Co. ($548) MT WA Assurance Corp. ($568) Amica Mutual Ins. Co. ($1,098) Commerce Ins. Co. ($2,098) LM General Ins. Co. ($2,193) $550 $1,095
72-year-old married drivers with no traffic violations in the past 3 years Progressive Northern Ins. Co. ($430) Safeco Ins. Co. of America ($434) USAA Cas Ins. Co. ($774) Allmerica Financial Benefit Ins. Co. ($1,482) LM General Ins. Co. ($1,616) $344 $842

Factors that can influence the cost of car insurance in Manchester, NH are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Manchester, NH Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Manchester, NH with that of other cities in and around Manchester.

Manchester East Merrimack Hooksett Bedford South Hooksett Candia
Average Insurance Rates $1,452 $1,365 $1,145 $1,607 $1,113 $1,040

Manchester, NH Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Manchester, NH based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Manchester $1,492 $1,261
South Hooksett $1,146 $968
Pinardville $1,406 $1,188
Auburn $855 $722
Bedford $1,655 $1,398
Hooksett $1,179 $996
East Merrimack $1,406 $1,188
Candia $1,071 $905

Manchester, NH Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Manchester, NH usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,711
20 Years $1,866
30 Years $1,437
40 Years $1,383
50 Years $1,280
60 Years $1,298
70 Years $1,511

Manchester, NH Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Manchester, NH can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,526 $378
3 Vehicles $3,790 $566
4 Vehicles $5,053 $755

Savings on 2 Vehicles bundle:$378

Savings on 3 Vehicles bundle:$566

Savings on 4 Vehicles bundle:$755


Manchester, NH Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Manchester, NH.

Location Average Insurance Cost Post DUI Insurance Rate
Manchester $1,452 $2,566
South Hooksett $1,113 $1,967
Pinardville $1,365 $2,412
Auburn $830 $1,467
Bedford $1,607 $2,840
Hooksett $1,145 $2,023
East Merrimack $1,365 $2,412
Candia $1,040 $1,838

Manchester, NH Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,246
Excellent (740-799) $1,422
Good (670-739) $1,513
Average (580-669) $1,974
Poor (300-579) $2,368

Manchester, NH Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$64 $1,516
Driver's Failure In Showing Documents +$141 $1,593
Driving With An Expired Registration +$150 $1,602
Driving At A Considerably Slow Pace +$315 $1,767
Using A Cellphone While Driving +$333 $1,785
Running A Red Light +$338 $1,790
Speeding +$356 $1,808
Driving A Vehicle Without The Required Permission +$452 $1,904
Driving With An Expired/Suspended License +$979 $2,431

Manchester, NH Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,394
Active Disabling Device $1,394
Tracking Device $1,365
Passive Disabling Device $1,350

Latest Auto Insurance Reviews in Manchester, NH | Back to Top

State Farm
We did not do many comparisons to other car insurance providers, but after reviewing some of them recently, it seems like State Farm offers the cheapest policies with the most reasonable deductibles.
State Farm
The rates and premiums seem a little high for me but I am told they about average in the industry. I am not sure about the deductibles.
Progressive
I would definitely recommend Progressive to any family because they have cheap rates, they are reliable, they have different payment options and filing a claim is very easy.
Progressive
I would recommend this company. I love that my premium is totally dependent on my driving, not so much an algorithm.
Liberty Mutual
They offer collision and other services needed for my car. They have what I need to help me with what is needed.
Aaa
I haven't had any issues with AAA's customer service. They easily let me add or remove family members from my plan and respond quickly to any complaints. Thus, I am quite satisfied.
Aaa
I haven't had any issues with AAA's customer service. They easily let me add or remove family members from my plan and respond quickly to any complaints. Thus, I am quite satisfied.
State Farm
PROMPT,FRIENDLY SERVICE. ALWAYS SAME PEOPLE.ANSWER ALL MY QUESTIONS.FRIENDLY ,ACCESSIBLE AND GIVE ME BEST DEALS THEY CAN.
Progressive
I enjoy how fast I can get in touch with a representative. Additionally, there is a website and app that provide a seamless users interface that is easy to navigate and obtain information through.
Erie Insurance
I am relatively satisfied with my insurance. It has a median cost, decent coverage, and alright customer support. It is better than average.
Encompass Insurance
I like that they partner with the company that does my home owners insurance. I like that the app is super easy to navigate.
State Farm
The claim that was made on a total loss was paid out in the same week. We received more than the blue book value of the car. I have also had to submit claims for emergency towing and those claims were also settled in a week.
Liberty Mutual
Rates are high without the Right Track program results and there does not seem to be anything special about the coverage to warrant those high prices.
Allstate
The company is large, stable and with nationwide coverage. The staff has been very responsive and helpful when I need help. I have been a long time All-State customer with large premiums and are treated as such. When we have made claims they have been resolved quickly and the deductibles have been waived or reduced based on a good driver discount