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By: Shravya Reddy October, 09, 2019

Car insurance rates in Manchester is $271 more expensive than the state average of $1112 in New Hampshire. Research done by Gavop found that the average car insurance premium in Manchester is $1383 per year. In comparison, drivers in New Boston, NH, pay a yearly average car insurance premium of $690. Residents in Bow, NH, will find car insurance rates lower by $563 in comparison to Manchester. Moreover, a short distance away, in Raymond, NH, the prices are slightly lower than Manchester at $1290.


Driving conditions can increase or decrease car insurance costs. Some of the other factors that can impact insurance rates (but not limited) in the city include age, location, gender, make, and model of the car and driver history. In particular, a few age brackets pay a high cost of car insurance, such as teenagers. In Manchester, teenagers spend an average of $4923 in coverage, with a difference of $387 between male & female teenagers. For example, in Manchester, a male teenager driving a 2013 Dodge Journey would pay $4985 in yearly car insurance costs, while, a female teenager driving a 2014 Volkswagen Jetta, with similar coverage, would pay $4715 per year. In contrast to teenagers, seniors citizens in the city can enjoy discounts and incentives offered to the elderly. Accounting for 17% of the demographic in Manchester, senior citizens pay an average of $2295 on car insurance. In Manchester, senior men pay $443 less than senior women.

One of the primary drivers for increasing insurance premiums are accidents and alcohol-related offenses. The median post-DUI car insurance rate in Manchester is $2572. For instance, Gavop's analysis found that a male teenager post-DUI in Manchester would pay $9619 on auto insurance while a female teenager post-DUI would pay $8900. For example, in Manchester, a male teenager, driving a 2007 Buick Rendezvous, would pay $9919 on post-DUI car insurance while a female teenager post-DUI would pay $9175. Marital status can also have an impact on car insurance payments. In particular, married men in Manchester pay $1328 more than married women. To illustrate further, in Manchester, a married man driving a 2013 Toyota Prius would pay $2618 in car insurance while a married woman, driving a 2014 Kia Sorento, with similar coverage, would pay $2122.

By comparing multiple quotes and discounts, Manchester residents can save up to $550 on car insurance costs. The US Census Bureau reported that the median travel time to work in Manchester is 23.3 minutes. A few insurance companies offer discounts to commuters who drive lower than the average number of miles per year. Low mileage discounts can also apply to drivers who carpool to work.


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Shravya Reddy

Shravya Reddy is a writer, public relations associate and content producer. She has worked in the corporate space on various mediums of print media as well as digital media. As a journalist, she has covered a range of topics including real estate, architecture, design, and technology. She has contributed to various online publications as a copywriter and copy editor. Shravya has done her BA in Journalism, Film & Media from Cardiff University. In her spare time, she enjoys traveling, exploring new cuisines and culture and wildlife.