Cheapest car insurance companies in Manchester
After an in-depth analysis, Insurance.com found that Auto-Owners and The Hanover are the cheapest car insurance companies in Manchester for 2023.
Auto-Owners has the cheapest car insurance rates in Manchester at an average cost of $869 per year.
Car insurance costs may vary in Manchester based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Manchester.
| Companies | Average annual rates |
|---|---|
| Auto-Owners | $869 |
| USAA | $961 |
| The Hanover | $1,226 |
| MMG Insurance | $1,229 |
| Geico | $1,311 |
| Nationwide | $1,405 |
| Progressive | $1,410 |
| State Farm | $1,474 |
| Farmers | $2,135 |
| Allstate | $2,345 |
Cheapest car insurance cost in Manchester by Age Group
In Manchester, Auto-Owners is the cheapest car insurance company for teenagers, offering full coverage policies at $2,086 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
Auto-Owners is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Manchester at about $1,417 per year.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Manchester is Auto-Owners. Its average rate for a full coverage car insurance policy is $907 per year.
Auto-Owners tops the list in terms of affordability for senior drivers in Manchester. With an average annual premium of $927, Auto-Owners offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Auto-Owners | $2,086 | $1,417 | $907 | $927 |
| The Hanover | $2,326 | $1,581 | $1,182 | $1,138 |
| MMG Insurance | $2,916 | $2,068 | $1,299 | $1,425 |
| USAA | $4,400 | $1,663 | $988 | $1,063 |
| Geico | $4,552 | $2,226 | $1,372 | $1,422 |
| State Farm | $5,196 | $2,574 | $1,490 | $1,450 |
| Nationwide | $5,721 | $2,630 | $1,404 | $1,409 |
| Allstate | $5,801 | $3,484 | $2,452 | $2,664 |
| Progressive | $7,108 | $2,609 | $1,431 | $1,528 |
| Farmers | $8,456 | $4,177 | $2,129 | $2,109 |
Cheapest car insurance companies in Manchester by driver profile
When determining car insurance rates in Manchester, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
To find the cheapest car insurance company in Manchester, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Here's a list of car insurance companies that offer cheap insurance rates in Manchester based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: Progressive
Cheapest for a driver with poor credit: Geico
If you're a Manchester driver with poor credit, Geico is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,329 annually.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Manchester.
| Company | Average annual rates |
|---|---|
| Geico | $1,329 |
| USAA | $1,602 |
| Nationwide | $1,642 |
| Progressive | $1,710 |
| Allstate | $2,475 |
| State Farm | $2,572 |
Cheapest for drivers with a speeding ticket: USAA
USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Manchester. It provides full coverage car insurance for drivers aged 30 at about $1,031 per year.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| USAA | $1,031 |
| State Farm | $1,147 |
| Progressive | $1,302 |
| Geico | $1,719 |
| Nationwide | $1,764 |
| Allstate | $2,092 |
Cheapest auto insurance after an at-fault accident: State Farm
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Manchester with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,334 annually.
| Company | Average annual rates |
|---|---|
| State Farm | $1,334 |
| USAA | $1,401 |
| Progressive | $1,757 |
| Nationwide | $1,856 |
| Geico | $2,017 |
| Allstate | $2,801 |
Cheapest auto insurance after a DUI: Progressive
In Manchester, Progressive has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,502 a year.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| Progressive | $1,502 |
| USAA | $1,510 |
| State Farm | $2,107 |
| Geico | $2,392 |
| Allstate | $2,612 |
| Nationwide | $2,944 |
Average car insurance cost in Manchester
In Manchester, the annual cost of car insurance for the coverage level of 100/300/100 is $1,436 or around $120 per month. However, the average yearly rate for state minimum coverage in Manchester is $508.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,436 | $508 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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