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How much is car insurance in Manchester?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Manchester is about $22 cheaper than it is in the rest of Connecticut.
Conversely, Manchester residents will likely pay higher rates to insure their vehicle than in the rest of the country. Coverage in Manchester is about $11 more expensive than it is for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for drivers in Manchester, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've analyzed the average rate for Manchester and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may climb back up in Manchester.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Manchester, where female drivers pay around $16 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Manchester, having a single accident on your record will usually get you rates around $115 a month. In addition, drivers with one ticket can expect to pay around $108 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$93|
In Manchester, the cheapest vehicles to insure are usually cars, with drivers paying around $88 per month for auto insurance.
SUVs, trucks, and vans, however, usually cost about $99 for insurance coverage.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few 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)||$93|
More often than not, people who are married will pay slightly less for auto insurance coverage. This usually happens because companies will 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 $12 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||$184|
Another factor taken into consideration is your living situation. Whether rent your home or own property in Manchester, you can expect to pay around $83 per month.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Manchester, CT
Recent trends in car insurance for Manchester drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for car insurance in Manchester decreased from 2016-2017, before leveling out in 2018. Insurance rates began decreasing again in 2019, and finished down in 2021, at $63.
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 an insurance policy, car insurance companies will evaluate a number of factors. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Regional regulations
- Off-street parking access
- Number of drivers in the community
- Crime levels
- Road Safety (total number of local car accidents)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Manchester?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Manchester.
Manchester Insurance FAQs
What factors affect car insurance quotes in Manchester?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Manchester different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Manchester?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Manchester?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Manchester or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.