For a 40-year-old driver with a clean record, car insurance in Manchester, NH, averages about $161 a month ($1,932 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 12% above the New Hampshire average of $144 a month. Compare auto insurance quotes in Manchester, NH, against these figures. GEICO has the lowest full-coverage average among the five major insurers we compared (Allstate, Concord Group, GEICO, Progressive and State Farm), at about $122 a month.
Manchester has the highest full-coverage average of the 72 New Hampshire cities and towns in our city table: our benchmark driver pays about $17 a month more here than the average cost of car insurance in New Hampshire. Hillsborough County, which also takes in Nashua, is the most expensive of New Hampshire’s 10 counties in our data, at about $150 a month.
Our figures cover four Manchester ZIP codes, from about $157 a month in 03109 to $164 in 03103. Downtown’s 03101, also inside the city, isn’t among the ZIP codes we price, so look up your own ZIP code in the table below before you compare.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Manchester ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Manchester, NH?
Car insurance in Manchester, NH, costs about $161 a month ($1,932 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/25 limits averages $709 a year ($59 a month), and 50/100/50 liability with comprehensive and collision averages $1,881 ($157 a month).
- Full coverage (100/300/100, $500 deductibles): $1,932 a year ($161 a month)
- 50/100/50 with $500 deductibles: $1,881 a year ($157 a month)
- Liability only (25/50/25): $709 a year ($59 a month)
- Hillsborough County: $1,799 a year ($150 a month) for full coverage
- New Hampshire average: $1,728 a year ($144 a month) for full coverage
- ZIP code range: $157 (03109) to $164 (03103) a month for full coverage
Cheapest Car Insurance Companies in Manchester, NH
- Lowest average among the five major insurers we compared, full coverage: GEICO, at about $122 a month ($1,462 a year).
- Next lowest among these five insurers: Progressive, at about $126 a month, then Concord Group at $172.
- Lowest liability-only average among these five insurers (25/50/25): Progressive, at about $35 a month, then GEICO at $46.
- Also on our list: USAA at about $88 a month, The Hanover at $94, Nationwide at $134 and MMG Insurance at $140 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $204 a month, $981 a year more than GEICO for the same driver and car.
GEICO has the lowest full-coverage average among the five insurers in our Manchester rate data. The recent statewide New Hampshire rate studies we reviewed, one per publisher, disagree on which insurer is cheapest for full coverage: of the seven, two put MMG Insurance first (one in a tie with GEICO), one GEICO, and The Hanover, Safety Insurance, Encompass and Safeco lead one each, apart from USAA, which sells only to military families. In our Manchester table, The Hanover*, priced from those studies and scaled to our benchmark driver, comes in at about $94 a month, below these five insurers; we don’t name it because it leads only one of the seven studies. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among these five insurers, at about $35 a month, followed by GEICO at $46. The Hanover* and MMG Insurance*, which we price from published rate studies and don’t rank, come in lower for liability-only coverage, at about $20 and $26 a month.
Full-coverage averages by insurer in Manchester
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/25 (Yearly): | Liability Only 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $547 | $46 | $1,462 | $122 |
| Progressive | $421 | $35 | $1,514 | $126 |
| Concord Group | $659 | $55 | $2,059 | $172 |
| State Farm | $830 | $69 | $2,182 | $182 |
| Allstate | $1,086 | $91 | $2,443 | $204 |
| USAA (military families)* | $375 | $31 | $1,052 | $88 |
| The Hanover* | $237 | $20 | $1,131 | $94 |
| Nationwide* | $752 | $63 | $1,607 | $134 |
| MMG Insurance* | $315 | $26 | $1,676 | $140 |
| Manchester average | $709 | $59 | $1,932 | $161 |
This table uses Manchester ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Manchester Car Insurance Rates by ZIP Code
Across the four Manchester ZIP codes we price, full coverage for our driver ranges from about $157 a month in 03109 to $164 in 03103, a gap of $84 a year. 03109, on the city’s southeast side, is the least expensive Manchester ZIP code we price, and 03103 the most expensive. 03102, on the west side, averages about $161 a month and 03104, on the northeast side, $163.
Lowest-priced Manchester ZIP code
Highest-priced Manchester ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Manchester’s average.
| ZIP Code: | Liability Only 25/50/25 (Yearly): | Liability Only 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 03102 | $711 | $59 | $1,933 | $161 | About average |
| 03103 | $719 | $60 | $1,962 | $164 | +2% |
| 03104 | $704 | $59 | $1,955 | $163 | +1% |
| 03109 | $701 | $58 | $1,878 | $157 | -2% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Manchester?
Raising liability limits from 50/100/50 to 100/300/100 adds only about $51 a year on average in our Manchester data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Manchester?
Not by much, for our benchmark driver. Comparing the same insurers in the same Manchester ZIP codes, full coverage averaged $1,931 a year nine months earlier and $1,932 in rates as of Aug. 31, 2026, a 0.1% increase. State Farm cut its Manchester average 9.6% and Progressive 1.7%, while Concord Group raised its average 14.5%; Allstate’s and GEICO’s averages were unchanged. Liability-only coverage at 25/50/25 limits rose 0.1%, led by Concord Group, which raised its liability-only average 14.4%.
How Manchester Compares With Nashua and Its Suburbs
Every major insurer we compared charges more in Manchester than in Nashua, and Manchester has the highest Concord Group and State Farm averages of the 72 New Hampshire places we price, about $172 and $182 a month for full coverage. Allstate is the most expensive of these five insurers here, at $204.
The suburbs cost less. Bedford, to the southwest, averages about $151 a month and Goffstown, to the west, $150, while Hooksett, to the north in Merrimack County, averages $148 and Auburn, to the east in Rockingham County, $148. Where you live is one of the things New Hampshire insurers price, so towns a few miles apart can cost different amounts.
How Manchester Car Insurance Compares With Other New Hampshire Cities
More New Hampshire cities and towns are in the New Hampshire rates by city table, and you can compare states on our car insurance rates by state page.
Derry, about 10 miles southeast, averages $153 a month, and Nashua, about 16 miles south, $151. Concord, the state capital, about 15 miles north, averages $138. For the statewide picture, see our guide to New Hampshire car insurance rates.
Is Car Insurance Required in Manchester, NH?
Manchester drivers follow New Hampshire’s rules: most drivers aren’t required to buy car insurance, according to the Division of Motor Vehicles, but if you’re uninsured and at fault in a crash with injuries or more than $1,000 in damage, the state can suspend your license until you post security. If you buy a policy, it must include at least:
- Liability coverage of $25,000 per person and $50,000 per crash for injuries and $25,000 for property damage (25/50/25)
- Uninsured motorist coverage at least equal to those limits, rising to match any higher liability limits you choose
- Medical payments coverage of at least $1,000 per person for the driver and passengers
Our Manchester liability-only price, about $59 a month against $161 for full coverage, uses 25/50/25 limits with 25/50 uninsured motorist coverage; the rate data doesn’t list medical payments coverage for that package. Our New Hampshire requirements guide covers SR-22 filings, crash reports and how fault works.
How to Lower Your Car Insurance Rate in Manchester
- Compare GEICO and Progressive first. They have the two lowest full-coverage averages among the five major insurers we compared in Manchester, about $122 and $126 a month.
- Quote several insurers. Among the five major insurers we compared in Manchester, the lowest and highest averages are about $82 a month apart for the same driver and car.
- Report a crash within 15 days. If anyone is hurt or property damage tops $1,000, New Hampshire requires a written report to the DMV within 15 days, under RSA 264:25.
- Compare at every renewal. Over the past nine months, State Farm has cut its Manchester average 9.6% and Progressive 1.7%, while Concord Group has raised its average 14.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Manchester home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Manchester Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 20 full-coverage premiums from five insurers across four Manchester ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/25 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. A New Hampshire policy must include at least 25/50/25 liability, uninsured motorist coverage at matching limits and $1,000 of medical payments coverage, but the rate data doesn’t list medical payments coverage for our liability-only package, so we label it liability only rather than a state minimum.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 New Hampshire rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from New Hampshire law and the New Hampshire Division of Motor Vehicles. We refresh these figures when new rate data is released.
Manchester Car Insurance FAQ
Car insurance in Manchester, NH, costs about $161 a month ($1,932 a year) for full coverage and about $59 a month for liability-only coverage at 25/50/25 limits, for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 12% above the New Hampshire average of $144 a month.
GEICO has the lowest full-coverage average among the five major insurers we compared in Manchester, at about $122 a month, with Progressive close behind at $126. The Hanover*, which we price from published rate studies and don’t rank, comes in lower for full coverage, at about $94 a month. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among the five major insurers we compared, at about $35 a month. The Hanover* and MMG Insurance*, which we price from published rate studies and don’t rank, come in lower for liability-only coverage, at about $20 and $26 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Bedford averages about $151 a month for full coverage, Goffstown $150, Hooksett $148 and Auburn $148, compared with $161 in Manchester, about 6% to 8% less. Manchester has the highest average of the 72 New Hampshire cities and towns we price.
In our data, 03109 has the lowest full-coverage average in Manchester, at about $157 a month, and 03103 the highest, at about $164. The ZIP code table on this page lists all four.
In our Manchester data, full coverage (100/300/100 with $500 deductibles) averages about $161 a month and liability-only coverage at 25/50/25 limits about $59, a difference of about $102 a month ($1,223 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. New Hampshire law doesn’t require full coverage, but a lender or leasing company may.
Most New Hampshire drivers, including those in Manchester, aren’t required to buy car insurance, according to the DMV. But if you’re uninsured and at fault in a crash with injuries or more than $1,000 in damage, the state can suspend your license until you post security, and you may need an SR-22 for at least three years. Any policy you buy must include 25/50/25 liability, uninsured motorist coverage at matching limits and at least $1,000 of medical payments coverage. New Hampshire is an at-fault state: you can recover damages if you were no more at fault than the other driver, reduced by your share of the blame.
Not by much, for our benchmark driver. Comparing the same insurers and ZIP codes, Manchester full coverage rose 0.1% over the past nine months, from about $1,931 to $1,932 a year. State Farm cut its Manchester average 9.6% and Progressive 1.7%, while Concord Group raised its average 14.5%. Liability-only coverage at 25/50/25 limits rose 0.1%.
For our benchmark driver, full coverage in Manchester averages about $161 a month. Nearby, Derry averages about $153, Concord about $138 and Nashua about $151. Derry, Concord and Nashua are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
