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How much is car insurance in Manchester?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Connecticut is about $22 a month more expensive than it is in Manchester.
The average cost of insuring your vehicle in Manchester is above the national rate. It's about $11 more expensive for coverage in Manchester than the average rates for the U.S. as a whole.
Keep in mind that while these are the average car insurance rates for Manchester, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Manchester so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Manchester drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for car insurance, in Manchester men actually pay $87 per month for coverage while women pay $101.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Manchester, a driving record with a single accident will usually get you a rate around $126 a month. In addition, drivers with a single ticket on their record can expect to pay around $86 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$85|
|15 Years or Older||$98|
The most affordable vehicles to insure in Manchester are by and large cars, which run about $91 per month.
SUVs, trucks, and vans, however, all cost about the same for insurance coverage -- around $91 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Manchester, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$94|
Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Manchester is about $14 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$170|
Another factor that comes into play is your living situation. Renters can expect to pay around $2 a month less than drivers who own property in Manchester. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Manchester, CT
Recent trends in car insurance for Manchester drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Manchester, the rates for auto insurance went up from 2017-2018, before decreasing from 2019-2021. They finished up in 2022, at $103.
How does Manchester compare to neighboring areas?
Why are car insurance rates in Manchester different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Road safety
- Off-street parking availability
- Amount of drivers in the region
- Community regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Manchester?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies that offer plans in Manchester.
Manchester Insurance FAQs
What factors affect car insurance quotes in Manchester?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Manchester different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Manchester?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Manchester?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Manchester or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.