Car Insurance Cost in Manchester, NH (2024 Rates)

• Manchester car insurance averages $1,480 per year for a full coverage policy, or around $123 on a monthly basis
• Car insurance rates for a few popular models in Manchester include the Honda Accord at $119 per month, Toyota Camry at $133, and Toyota Tacoma at $125.
• For cheap car insurance in Manchester, SUV models like the Subaru Crosstrek, Nissan Kicks, and Chevrolet Trailblazer have the most affordable rates.
• A few models with the lowest cost auto insurance in their segment include the Honda Passport ($1,180 per year), Chevrolet Colorado ($1,266 per year), Subaru Crosstrek ($1,092 per year), and Acura Integra ($1,318 per year).

How much does Manchester car insurance cost?

Average car insurance rates in Manchester cost $1,480 per year, or around $123 per month. That’s 24% cheaper than the overall national average rate of $1,883 per year.

In the state of New Hampshire, the average car insurance expense is $1,330 per year, so the cost in Manchester averages $150 more per year. When compared to other locations in New Hampshire, the average cost of auto insurance in Manchester is around $218 per year more expensive than in Concord, $140 per year more expensive than in Dover, and $100 per year more than in Nashua.

The chart below shows a summary of auto insurance rates in Manchester for 2024 model year vehicles, averaged based on a wide range of driver ages and common risk profiles.

In the chart above, the cost of car insurance in Manchester ranges from $1,228 per year for a 40-year-old driver who receives an exceptional discount rate to $3,404 per year for a 30-year-old driver with a lot of violations and accidents. From a monthly standpoint, the average cost in the previous chart ranges from $102 to $284 per month.

Car insurance rates vary considerably and are impacted by a lot of factors. This wide range of possible rates stresses the need for multiple auto insurance quotes when searching online for more affordable auto insurance.

The age of the driver is one of the biggest determining factors on the price of auto insurance. The list below illustrates this point by breaking out average car insurance rates depending on driver age.

Manchester car insurance cost by driver age

• 16-year-old driver – $5,275 per year or $440 per month
• 17-year-old driver – $5,110 per year or $426 per month
• 18-year-old driver – $4,579 per year or $382 per month
• 19-year-old driver – $4,168 per year or $347 per month
• 20-year-old driver – $2,978 per year or $248 per month
• 30-year-old driver – $1,580 per year or $132 per month
• 40-year-old driver – $1,480 per year or $123 per month
• 50-year-old driver – $1,312 per year or $109 per month
• 60-year-old driver – $1,228 per year or $102 per month

The previous rates shown for insuring teen drivers age 16 to 19 were based on the rated driver being male. The chart below goes into more detail regarding the cost of insuring teen drivers and shows average teen driver rates in Manchester by gender. Females are generally slightly cheaper to insure than males, notably at younger ages.

Car insurance for a female 16-year-old driver in Manchester costs an average of $350 less per year than the cost for a 16-year-old male driver, while at age 19, the cost is still $643 less per year.

Popular vehicles and the cost to insure them

The rates mentioned previously consist of an average based on every 2024 vehicle model, which is practical for making big picture comparisons like the average cost difference by driver age or location. For more accurate auto insurance cost comparisons, however, it makes sense to compare rates for the specific vehicle being insured.

In the next few sections of this article, we do cost comparisons for specific vehicles, but for now, let’s just look at a handful of the more popular vehicles to see how car insurance prices measure up in Manchester.

This next chart shows average insurance rates in Manchester for a handful of the more popular vehicles. Later in this article, we’ll examine car insurance rates for some of these vehicles even more in-depth.

Which vehicles have cheap insurance in Manchester?

The vehicles with the cheapest auto insurance prices in Manchester, NH, tend to be small SUVs and crossovers like the Kia Soul, Chevrolet Trailblazer, Nissan Kicks, and Buick Envision.

Average car insurance rates for those crossover SUVs cost $1,204 or less per year, or $100 per month, for a full coverage policy.

Some other models that rank well in our car insurance cost comparison are the Acura RDX, Chevrolet Colorado, Buick Encore, and Nissan Murano. Average car insurance rates are marginally higher for those models than the cheapest crossover SUVs that rank at the top, but they still have an average cost of $1,268 or less per year.

The following table lists the 20 car, truck, and SUV models with the cheapest auto insurance in Manchester, sorted by average cost.

A table showing 20 ranked vehicles doesn’t really give a detailed view of the cost of auto insurance in Manchester. A more efficient way to group rates in a logical manner is by sorting them by automotive segment.

The next section of this article goes into average car insurance cost by vehicle segment. The average rates shown in the chart will give you a good understanding of which types of vehicles have the overall most affordable auto insurance rates in Manchester. The six sections after the chart display the specific models that have the cheapest insurance rates for the most popular segments.

Manchester auto insurance rates by vehicle segment

If you’re considering buying a different vehicle, it’s advantageous to know which styles of vehicles have more affordable insurance rates.

To illustrate this, you may be curious if SUVs are more affordable to insure than minivans or if full-size pickups have more expensive insurance than midsize pickups.

The chart below displays average car insurance cost by vehicle segment in Manchester. From an overall average perspective, compact SUVs and midsize pickup trucks have the least expensive average auto insurance rates, while sports cars and performance luxury models have the most expensive overall rates.

Segment rates are useful to make an overall comparison, but auto insurance cost varies significantly within each of the segments listed above.

For example, in the small car segment, Manchester auto insurance rates range from the Toyota GR Corolla at $1,286 per year for a full coverage policy to the Toyota Mirai at $1,842 per year, a difference of $556 within that segment. As another example, in the large SUV segment, insurance rates range from the Chevrolet Tahoe costing $1,390 per year up to the Toyota Sequoia costing $1,850 per year, a difference of $460 within that segment.

In these next sections, we reduce this variability by analyzing the average cost of car insurance in Manchester for individual vehicles.

Cheapest cars to insure in Manchester

The #1 ranking in Manchester for the lowest-cost insurance in the sedan and hatchback segment is the Toyota GR Corolla, coming in at $1,286 per year. Second place is the Nissan Leaf at $1,298 per year, and in third place is the Honda Civic, costing an average of $1,310 per year.

Other models that are affordable to insure are the Toyota Prius, Chevrolet Malibu, Hyundai Ioniq 6, and Honda Accord, with average cost of $1,436 per year or less.

Additional models that made the list include the Mazda 3, Mitsubishi Mirage G4, Volkswagen Jetta, and Kia Forte, which cost between $1,436 and $1,532 to insure per year.

From a monthly standpoint, auto insurance on this segment in Manchester for a middle-age safe driver starts at around $107 per month, depending on where you live and the company you use. The next table ranks the twenty cars with the lowest-cost average car insurance rates in Manchester, starting with the Toyota GR Corolla at $107 per month and ending with the Mazda 3 at $128 per month.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Manchester car insurance quotes from the best companies in New Hampshire.

Cheapest SUVs to insure in Manchester

The top five models for the lowest-cost Manchester auto insurance rates in the non-luxury SUV segment are the Chevrolet Trailblazer, Kia Soul, Honda Passport, Subaru Crosstrek, and Nissan Kicks. Car insurance quotes for these vehicles average $98 or less per month.

Other SUVs that have cheaper rates are the Mazda CX-5, Toyota Corolla Cross, Buick Envision, and Hyundai Venue, with average cost of $1,212 per year or less.

Ranked in the lower half of the top 20, models like the Honda HR-V, Volkswagen Tiguan, Nissan Murano, Volkswagen Taos, Buick Envista, and Subaru Outback cost between $1,212 and $1,290 per year for insurance in Manchester.

From a monthly standpoint, auto insurance rates in Manchester on this segment for a safe driver will start around $91 per month, depending on where you live.

The table below ranks the SUVs with the lowest-cost car insurance in Manchester, starting with the Subaru Crosstrek at $1,092 per year and ending with the Honda HR-V at $1,290 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see rates for your SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Manchester car insurance quotes from top-rated companies in New Hampshire.

Cheapest luxury cars to insure in Manchester

Taking the top ranking in Manchester for cheapest average insurance in the luxury sedan segment is the Acura Integra, costing an average of $1,318 per year. Second place is the BMW 330i costing $1,508 per year, and third place goes to the Mercedes-Benz CLA250, costing an average of $1,524 per year.

Some other luxury cars that have cheaper rates include the Mercedes-Benz AMG CLA35, Cadillac CT4, Lexus ES 350, and Lexus RC 300, with average annual insurance rates of $1,556 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the BMW 230i, Lexus RC 350, Lexus ES 250, Cadillac CT5, and BMW 330e cost between $1,556 and $1,660 per year for full-coverage insurance.

Full-coverage car insurance in this segment will start around $110 per month, depending on your location and insurance company.

When prices are compared by vehicle size, the cheapest compact luxury car to insure in Manchester is the Acura Integra at $1,318 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $1,524 per year. And for full-size luxury cars, the Audi A5 is most affordable to insure at $1,752 per year.

The comparison table below ranks the twenty cars with the lowest-cost average car insurance rates in Manchester, starting with the Acura Integra at $110 per month and ending with the Audi S3 at $138 per month.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see insurance rates for your vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Manchester car insurance quotes from the best auto insurance companies in New Hampshire.

Cheapest luxury SUVs to insure in Manchester

Ranking at the top for the lowest-cost Manchester auto insurance rates in the luxury SUV segment are the Cadillac XT5, Jaguar E-Pace, Acura RDX, Cadillac XT4, and Lexus NX 250. Auto insurance rates for these vehicles average $1,396 or less per year, or around $116 per month.

Not the cheapest in the list, but still ranking well, are models like the Lincoln Corsair, Lexus NX 350h, Lexus UX 250h, and Lexus NX 450h, with average cost of $1,428 per year or less.

Some additional models that rank well include the Acura MDX, Mercedes-Benz AMG GLB35, Infiniti QX50, and Infiniti QX60, which average between $1,428 and $1,484 per year for insurance.

Full-coverage insurance for this segment in Manchester for a good driver starts at an average of $103 per month, depending on where you live and the company you use.

When rates are compared by vehicle size, the most budget-friendly compact luxury SUV to insure in Manchester is the Acura RDX at $1,238 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $1,384 per year. And for large luxury SUV models, the Infiniti QX80 has the most affordable rates at $1,660 per year.

The comparison table below ranks the twenty luxury SUVs with the most affordable auto insurance rates in Manchester, starting with the Acura RDX at $1,238 per year and ending with the Lexus NX 350 at $1,484 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see your luxury SUV in the list? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Manchester car insurance quotes from the best companies in New Hampshire.

Cheapest pickup truck insurance rates in Manchester

Ranking highest for the most affordable Manchester car insurance rates in the pickup segment are the Ford Maverick, Nissan Titan, Chevrolet Colorado, Nissan Frontier, and Ford Ranger. Auto insurance rates for these models average $120 or less per month.

Not the cheapest pickups to insure, but still very reasonable, are models like the GMC Canyon, Toyota Tacoma, Hyundai Santa Cruz, and Honda Ridgeline, with an average car insurance cost of $1,524 per year or less.

Auto insurance rates in this segment for a middle-age safe driver can cost as low as $106 per month, depending on your location.

The next table ranks the twenty pickups with the most affordable insurance in Manchester, starting with the Chevrolet Colorado at $106 per month and ending with the Ram Truck at $143 per month.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your truck in the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in New Hampshire.

Cheapest sports cars to insure in Manchester

The top four sports cars with the lowest-cost average insurance rates in Manchester are the Mazda MX-5 Miata at $1,370 per year, Toyota GR86 at $1,560 per year, Ford Mustang at $1,628 per year, and BMW Z4 at $1,636 per year.

Also ranking well are cars like the BMW M2, Lexus RC F, Subaru BRZ, and Toyota GR Supra, with average annual insurance rates of $1,772 per year or less.

Additional cars that made the list include the Chevrolet Camaro, Chevrolet Corvette, BMW M3, BMW M4, and Porsche 911, which average between $1,772 and $2,510 to insure per year in Manchester.

Car insurance in Manchester for this segment for the average driver starts at around $114 per month, depending on your location.

The comparison table below ranks the twenty sports cars with the most affordable insurance in Manchester, starting with the Mazda MX-5 Miata at $1,370 per year ($114 per month) and ending with the Porsche Taycan at $2,510 per year ($209 per month).

Is your vehicle not in the list? Not a problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Manchester.

How to find cheaper auto insurance

Manchester drivers are often looking to pay less for car insurance, so take a minute or two to look through the tips and ideas in the list below to see if you can save a little dough on your next auto insurance policy.

• Get cheaper rates by researching discounts. Discounts may be available if the policyholders are good students, are senior citizens, are loyal customers, choose electronic billing, or many other discounts which could save the average Manchester driver as much as $252 per year.
• Think about raising your deductibles. Increasing your policy deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• Reduce coverage on older vehicles. Removing physical damage coverage from vehicles that are older can cut the cost of auto insurance substantially.
• Being a safe driver saves money. Causing too many accidents will raise rates, possibly as much as $2,114 per year for a 20-year-old driver and even as much as $448 per year for a 50-year-old driver. So drive safe and save!
• Compare insurance cost before buying a car. Different vehicles, and even different trims of the same vehicle, can have very different insurance premiums, and auto insurance companies can sell policies with widely varying rates. Check the cost of insurance before you buy a different vehicle in order to prevent price shock when you receive your first bill.