Skip to main content
Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

Car Insurance in Manchester (03102), New Hampshire

Compare auto insurance rates in Manchester, NH (zipcode: 03102), and buy the cheapest insurance policy.

Full coverage car insurance costs an average of $892 per year in Manchester (zip code: 03102), which is $74 per month
Car Insurance Rates by Company rates are valid for May 2024
Economical Auto Insurance in Manchester: Discover rates averaging $892 in 03102, aligning closely with the New Hampshire's average of $1,228. Teen drivers and seniors might see rates up to $1,606. On the flip side, drivers over 25 with good credit and a clean driving record can enjoy premiums as low as $624.
The average car insurance in Manchester (area 03102) is $535 with Allstate. Allstate in Manchester offers a variety of car insurance coverage options to meet the needs of drivers. From collision and comprehensive coverage to liability and uninsured motorist protection, Allstate offers customizable plans so customers can select the right level of protection for their vehicles. Additionally, Allstate in Manchester provides discounts for policyholders who take proactive steps to protect their cars and keep their driving records clean. Low-mileage drivers, safe drivers, and those with multiple vehicles or policies may be eligible for special discounts that can lower their car insurance premiums (under optimal conditions, rates can be as low as $268). With Allstate in this location, customers have access to a dedicated team of experts who can help determine the right coverage levels and discounts applicable to them.
* Average rates from Allstate include both full coverage policies and the lowest possible rates in 03102, Manchester. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Allstate insurance cost *
03102, Manchester$535 Your Rates? Get Quotes
Good Driver$375 Your Rates? Get Quotes
Teen Drivers$963 Your Rates? Get Quotes
Senior Drivers$428 Your Rates? Get Quotes
The average car insurance in Manchester (area 03102) is $624 with Farmers. Choosing car insurance from Farmers in Manchester has several advantages. Farmers offers competitive rates, an array of discounts and incentives (good driver's rates can be as low as $312), and dedicated customer service to make sure your needs are met. With Farmers, you can tailor your coverage to fit your individual needs, ensuring that you receive the right protection for your vehicle at the most affordable rate. Additionally, Farmers in Manchester offers accident forgiveness, allowing you to avoid rate increases if you make an honest mistake. As a bonus, when your vehicle is more than six years old, Farmers can provide coverage for the replacement cost of your car instead of its actual cash value.
* Average rates from Farmers include both full coverage policies and the lowest possible rates in 03102, Manchester. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Farmers insurance cost *
03102, Manchester$624 Your Rates? Get Quotes
Good Driver$437 Your Rates? Get Quotes
Teen Drivers$1,123 Your Rates? Get Quotes
Senior Drivers$499 Your Rates? Get Quotes
The average car insurance in Manchester (area 03102) is $669 with GEICO. Choosing car insurance from GEICO in Manchester has many advantages. GEICO provides customers with competitive rates (ideally, the rates can be as low as $335), customizable policy options, and a variety of discounts and incentives. With flexible coverage plans, customers can choose the right level of protection to best suit their needs while still receiving great value for money on their policy. GEICO also offers a range of online tools, including a virtual assistant and 24/7 customer service to help answer questions and make sure you get the most out of your policy. Furthermore, GEICO in Manchester offers customers a variety of discounts for safe drivers, low mileage drivers, and those with multiple vehicles or policies.
* Average rates from GEICO include both full coverage policies and the lowest possible rates in 03102, Manchester. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
GEICO insurance cost *
03102, Manchester$669 Your Rates? Get Quotes
Good Driver$468 Your Rates? Get Quotes
Teen Drivers$1,204 Your Rates? Get Quotes
Senior Drivers$535 Your Rates? Get Quotes
The average car insurance in Manchester (area 03102) is $714 with Liberty Mutual. Choosing car insurance from Liberty Mutual in Manchester has many advantages. Liberty Mutual offers competitive rates (rates can drop to $357) and customizable coverage plans so customers can select the right level of protection for their vehicles at a price that fits their budget. Additionally, Liberty Mutual in Manchester provides numerous discounts and incentives to help policyholders save even more. Low-mileage drivers, those with multiple vehicles, and those who bundle their policies can all receive special discounts to lower their car insurance premiums. Liberty Mutual also offers a variety of online tools, including an accident forgiveness program, so customers can protect themselves from rate increases in the event of an honest mistake.
* Average rates from Liberty Mutual include both full coverage policies and the lowest possible rates in 03102, Manchester. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Liberty Mutual insurance cost *
03102, Manchester$714 Your Rates? Get Quotes
Good Driver$500 Your Rates? Get Quotes
Teen Drivers$1,285 Your Rates? Get Quotes
Senior Drivers$571 Your Rates? Get Quotes
The average car insurance in Manchester (area 03102) is $758 with Nationwide. Nationwide in Manchester offers car insurance that is tailored to the needs of drivers. In most situations, Nationwide customers can get competitive rates and customizable coverage plans so they can select the right level of protection for their vehicles and budget. Additionally, Nationwide provides numerous discounts and incentives to help policyholders save more on their car insurance premiums (in the best scenarios, Nationwide rates can be as low as $379). Drivers who have a low amount of miles traveled, those with multiple cars in their household, and people that bundle all of their policies together are eligible for special discounts. Nationwide provides its customers with a variety of web-based tools and 24/7 customer service to make sure they can gain the utmost value from their insurance policy. Plus, with the accident forgiveness program, customers can protect themselves from rate increases in the event of a honest mistake. All these factors make Nationwide in Manchester a good choice for car insurance.
* Average rates from Nationwide include both full coverage policies and the lowest possible rates in 03102, Manchester. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Nationwide insurance cost *
03102, Manchester$758 Your Rates? Get Quotes
Good Driver$531 Your Rates? Get Quotes
Teen Drivers$1,364 Your Rates? Get Quotes
Senior Drivers$606 Your Rates? Get Quotes
The average car insurance in Manchester (area 03102) is $803 with Progressive. Deciding to select car insurance from Progressive in Manchester brings with it a host of benefits. Progressive offers competitive rates for customers of all ages, so you can find a policy that fits your budget. Additionally, Progressive provides a variety of discounts to help reduce your premiums. Drivers who put less mileage on their vehicle, insure more than one car, and bundle policies are all eligible for exclusive savings (rates for good drivers with great credit score can drop to $402). Progressive allows customers to safeguard themselves against rate increases due to an unanticipated misstep with the innovative accident forgiveness program, along with various online tools. What's more, Progressive offers 24/7 customer support to ensure your requirements are satisfied and that you gain the maximum benefits from your policy.
* Average rates from Progressive include both full coverage policies and the lowest possible rates in 03102, Manchester. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Progressive insurance cost *
03102, Manchester$803 Your Rates? Get Quotes
Good Driver$562 Your Rates? Get Quotes
Teen Drivers$1,445 Your Rates? Get Quotes
Senior Drivers$642 Your Rates? Get Quotes
The average car insurance in Manchester (area 03102) is $847 with State Farm. Car insurance from State Farm in Manchester has plenty of advantages for drivers of all ages. State Farm offers competitive rates (even lower than $424) that can be tailored to the individual needs and budgets of customers, including those with family vehicles or multiple cars. Furthermore, State Farm offers a variety of discounts and rewards that allow policyholders to maximize their savings on car insurance premiums. If you're a low-mileage driver, have multiple vehicles or bundle your policies together - good news! You can receive special discounts. State Farm is renowned for its 24/7 customer service and claims services, in addition to providing various online tools, such as an accident forgiveness program. This way you have the assurance that any rate increases due to honest mistakes can be avoided.
* Average rates from State Farm include both full coverage policies and the lowest possible rates in 03102, Manchester. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
State Farm insurance cost *
03102, Manchester$847 Your Rates? Get Quotes
Good Driver$593 Your Rates? Get Quotes
Teen Drivers$1,525 Your Rates? Get Quotes
Senior Drivers$678 Your Rates? Get Quotes
We are not sure, how much is the average car insurance in Manchester by the Zebra comparison site. The Zebra car insurance comparison site is a great resource to help you find the right car insurance policy for your needs in Manchester. With The Zebra, you can compare different types of policies and compare them side-by-side so you can make an informed decision about which company to choose. You will be able to see the discounts and incentives offered by each carrier, as well as the customer service ratings and financial strength of each company. The Zebra also offers helpful resources such as an accident forgiveness program, so customers can protect themselves from rate increases in the event of an honest mistake. With all this information available in one place, you can easily find the perfect car insurance policy for your needs and budget.
The average car insurance in Manchester (area 03102) is $981 with USAA. USAA car insurance offers a variety of coverage plans and competitive rates to meet the needs of drivers in Manchester. The company offers low-mileage discounts, multiple vehicle discounts, and bundle discounts to help policyholders save on their premiums (safe driver can get rates as low as $491).USAA uses online tools like their accident forgiveness program to keep customer rates from increasing in the event of a mistake. This offers customers peace of mind knowing they can make an honest error without incurring higher premiums or fees. Plus, USAA offers a high level of customer service and is available 24/7 to answer any questions customers may have about their policy. In conclusion, there are many different car insurance companies offering competitive rates and discounts in Manchester.
* Average rates from USAA include both full coverage policies and the lowest possible rates in 03102, Manchester. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
USAA insurance cost *
03102, Manchester$981 Your Rates? Get Quotes
Good Driver$687 Your Rates? Get Quotes
Teen Drivers$1,766 Your Rates? Get Quotes
Senior Drivers$785 Your Rates? Get Quotes
minimum full coverage premiumaverage full coverage premium
Manchester$389 $892 Your Rates? Get Quotes
New Hampshire$389 Limits $1,228 Your Rates? Get Quotes
Teen Drivers$506 Rates by Age $1,606 Your Rates? Get Quotes

Table of contents

Car Insurance Premiums by Company - 03102, Manchester

Which insurer offers the most advantageous annual car insurance in the area with the postal code 03102?

While you're shopping around for the most affordable car insurance in Manchester (03102), rest assured that you will undoubtedly get only the highest quality coverage with our list of top-rated auto insurers for 2023. If you are thinking of getting car insurance in this area, it is good to know that the typical yearly cost is around $892, amounting to an estimated $74 monthly Your age, driving record, and creditworthiness all heavily influence the rates of individual insurance providers... Due to the fact that there is no offer from ERIE in this location, you can try other regional insurers, or take a look at offers from Allstate ($535 on average for an annual policy), GEICO ($669 yearly) and others (see table below). If you're a responsible driver over 25 years old, look for the "lowest rates" column instead of the "average rates", and reap the benefits of lower prices.
While these rates offer a helpful guide, the true cost of car insurance in 03102, Manchester is determined by several pertinent factors - including your age and driving record, credit score rating, vehicle type and marital status. All such factors will influence the final price you end up paying for coverage. Our service remains impartial and independent to guarantee that our calculations of car insurance rates are accurate. We do not collaborate with any single company, nor receive commissions from them. Plus, we can ensure you the best deals possible without compromising on quality as we compare quotes from many different companies.
Insurance CompanyLowest RatesAverage Rates
ERIE

Erie does not offer auto insurance in Manchester.

$295Not available in New Hampshire
Auto-Owners

Auto-Owners does not offer auto insurance in Manchester.

$273Not available in New Hampshire
Allstate

Allstate can meet its financial and claims obligations easily.

$321$535 Get Quotes Agents Call
American Family

Quality coverage, competitive rates from an industry leader.

$321Not available in New Hampshire
Farmers

Great coverage options backed by a knowledgeable, professional team.

$374$624 Get Quotes Agents Call
GEICO

Wide range of coverage, competitive rates, an experienced customer service.

$401$669 Get Quotes Agents Call
Liberty Mutual

Usage-based car insurance programs, competitive rates

$428$714 Get Quotes Agents Call
Nationwide

Very cheap car insurance rates when adding a teen driver to a policy.

$455$758 Get Quotes Agents Call
Progressive

Smart choice for high-risk drivers.

$482$803 Get Quotes Agents Call
State Farm

Good discount opportunities for students and teens.

$508$847 Get Quotes Agents Call
Travelers

Below-average insurance rates, well-rated for claims handling.

$562$937 Get Quotes Agents Call
USAA

High customer satisfaction scores.

$589$981 Get Quotes Agents Call

Car Insurance Rates by Age & Gender

How your age affects car insurance costs in your area?

On average, people living in the 03102 ZIP code area of Manchester City can expect to pay $892 per year for comprehensive auto insurance. The table below shows how the age of a driver affects their rates. As you can see, 16-year-olds pay more than $2,319 for auto insurance in this location, which is by far the highest rate. With age, the price of the policy decreases, and seniors over 60 years of age with a good driving history will pay the least. Although gender plays a role in pricing policy, the age of the driver is a factor that has a much greater impact on the price of your car insurance. So the question is, how does age and gender affect car insurance rates in 03102, Manchester?
Finding the right auto insurance for your age and gender near 03102, Manchester can be a tricky process that requires research. Make sure to consider important factors such as coverage needs, deductible options, discounts or loyalty programs available, and customer service ratings of the company you choose. Crucially - especially for younger drivers - make sure to shop around different insurers in order get the best rate possible!
TeenagersFemaleMale
16 years old$2,230$2,355
17 years old$2,185$2,301
18 years old$2,150$2,239
19 years old$2,052$2,132
AdultsFemaleMale
20 years old$1,383$1,445
21 years old$1,302$1,356
22 years old$1,222$1,249
23 years old$1,151$1,169
24 years old$1,070$1,106
25 years old$847$981
30 years old$803$856
35 years old$767$794
40 years old$714$749
45 years old$705$723
50 years old$687$696
55 years old$642$669
SeniorsFemaleMale
60 years old$633$687
65 years old$615$651
70 years old$723$749
75 years old$812$838

Minimum coverage limits in Manchester (03102)

Auto insurance requirements & coverage limits in Manchester, New Hampshire

In most states, car insurance companies are required to provide minimum liability coverage. This means that you must purchase certain limits of liability coverage in order to legally drive a vehicle. These limits include bodily injury and property damage liabilities which help cover costs if you are involved in an accident that causes damage or injury to another person or their property. In New Hampshire, for example, the minimum required liability coverage is 25/50/25 which means that you must purchase at least $25,000 per person, up to a total of $50,000 per accident and $25,000 in property damage. It’s important to understand your state’s minimum limits so that you can be sure to purchase adequate coverage. Additionally, it is important to consider purchasing additional insurance that would cover your vehicle in the event of a collision or other accident. This may include comprehensive and collision coverage which provide protection for you and your car if an accident occurs.
Minimum coverage limits are the legal requirements set by each state for how much insurance coverage you must purchase. These minimums may include Bodily Injury Liability, Property Damage Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage.
Coverage TypeMinimum Coverage Amounts
Bodily injury liability per person in Manchester (03102)$25,000
Bodily injury liability per accident in Manchester (03102)$50,000
Property damage liability per accident in Manchester (03102)$25,000

How does my degree affect auto insurance premiums?

Different studies have proved that drivers with advanced degrees are less likely to make a claim and are less risky for insurers.

In order to predict how much risk you pose, auto insurance companies in Manchester, New Hampshire rely on demographic rating factors, including your education, which can affect the final price of your policy by tens to hundreds of dollars. Given that high school dropouts were found to pay the most expensive auto insurance, it is worth mentioning that according to statistics, approximately 11.50% of the population in the Manchester region (ZIP: 03102) has no secondary education. On the other hand, there is also about 19.30% of the population with a Bachelor degree, 8.00% with an Graduate degree (advanced academic degree) and 40.10% with a Science, Technology, Engineering or Mathematics degree (STEM). These policyholders will pay increased rates for car insurance, which in this area may average around $937 annually. This price is significantly affected by the age of the driver (teenagers under the age of 20 can pay more than $1,338 a year or $112 a month), his driving history, but also by the value of the individual's credit score and the type of car.
Extensive research and hard evidence consistently demonstrate that drivers with higher educational degrees (Masters, PhD) have one of the lowest car insurance rates (around $758), not only in the area with zip code: 03102.
Education LevelLocal StatsDiscount Rates in Manchester
Residents with at least a 4-year degree.27.30%$981 Get Quotes
Less than high school11.50%$937 Get Quotes
High school diploma but no more32.20%$892 Get Quotes
Some college but no more29.10%$847 Get Quotes
Bachelor degree but no more19.30%$803 Get Quotes
Graduate degree8.00%$758 Get Quotes
Stem degree

Bachelor's degree or higher in a Science and Engineering

40.10%$714 Get Quotes

What Affects Auto Insurance Rates in Manchester, NH?

Compare auto insurance rates in 03102, Manchester, NH and buy the cheapest insurance policy.

The population density of a certain city or district can be one factor in the price rigidity of car insurance; however, if you reside somewhere with a low population density like Manchester (city district: 03102), then you can anticipate relatively lower insurance rates. For those with a good credit score, no accidents on their record, and over the age of 25 can benefit from lower rates that cost less than $45/month or $535 /year. Unfortunately however, teenagers who have yet to gain experience behind the wheel and are under 20 years old may be faced with significantly higher premiums of up to $1,427 per year. A combination of low density (1409 / km2), good driving history and other bonuses can get you rates as low as $446 annually. According to statistics, the urban area Manchester - 03102 is one of the areas with the highest number of uninsured inhabitants. At least as far as health insurance is concerned, but there are also many residents with insufficient vehicle insurance coverage. Current studies indicate that there are approximately 10.10% of uninsured people of the total 33003 population in this area.
Geography directly impacts the cost of automobile insurance, with those living in more dangerous locales such as urban areas where vandalism and theft are rampant or regions known for their high accident rates incurring higher premiums than drivers located in rural townships and safe neighborhoods.
What can indirectly affect your insurance rates?ValuesRates in Manchester (03102)
Population

Highly populated area, expect higher rates

33003 peopleHigher Rates
Density

Population density is low, car insurance rates are falling.

1409 /km2Lower Rates
Median household income

The average household income in Manchester is over $50,000 per year.

$57,461Higher Rates

Guide to discount car insurance in Manchester

Enjoy remarkable discounts with policy extension, driver behavior, vehicle-based and driver characteristic savings, just to name a few!

College students from Manchester may be eligible for discounted car insurance premiums priced around $803. To qualify, you usually need to meet certain criteria such as being a full-time student and maintaining good grades. To qualify for senior auto insurance discount in Manchester, you usually need to meet certain criteria such as being of a specified age, having several years of driving experience and maintaining a clean driving record (discounted rates: $830). Some car insurance companies offer discounts for military members; active members of the armed forces or a veterans. Additionally, some insurers offer discounts if the primary driver is in the military. The final price can then drop to $785. It doesn't end there, by bundling your policy you can reach the amount of $714, paying upfront can get you to $669, being a good driver will help you to rates around $535 and if you have a "safe" and "inexpensive" car from the perspective of the insurance company, you can achieve a rate of $642.
Type of discountIn PercentAverage Savings
Student discounts

All auto insurance discounts related to students 29.10%

10%$803 Your Discount?
Senior discounts

All auto insurance discounts related to students 29.10%

7%$830 Your Discount?
Military discounts

All auto insurance discounts related to students 29.10%

12%$785 Your Discount?
Good driver discounts

Good drivers can save anywhere from 7% to 25% on their premiums

7% - 25%$491 Your Discount?
Loyalty-based discount

Enjoy savings on your policy by paying for the entire term upfront!

5% - 15%$669 Your Discount?
Multi-car discounts

Maximize your savings by bundling multiple vehicle policies.

Up to 30%$571 Your Discount?

FAQ & Answers

related to car insurance in Manchester, zip code: 03102, NH?

Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

Let's insure the most popular vehicles in U.S

Tesla Model Y Tesla Model Y
The Tesla Model Y, known for its cutting-edge technology and sleek design, comes with a surprising twist – a staggering average insurance cost of $2,878 per year, almost doubling the rates of other car models at $1,451.…
Toyota Camry Toyota Camry car insurance - popular white color
For adults, an annual insurance policy for a Toyota Camry costs $1,350 - that's only $112 each month! Unfortunately, teens and young drivers must pay much more than adults; their average rate is around $2,420 annu…
Ford F-150 Ford f-150 car insurance rates for blue version, cross
If you own a Ford F-150, you're in luck! The average insurance for this model comes in at $1,120 per year - that's more than $255 less than the national average. Insurance costs could range from u…
Ford Mustang Ford Mustang - car insurance - red color, dust, smooth, front, lights
Ford Mustang is a popular car, and it is no different when it comes to car insurance. For adults, the Ford Mustang may be more expensive to insure than other vehicles, but it can still be a good o…

Type Your Location ...and Get Better Car Insurance

Type Your Car Model ...and Find Your Rates

© 2023 RevealQuotes.com