Manchester, TN Car Insurance

Drivers in Manchester pay, on average, $46 a month for their car insurance. To find out more check out our guide below.
How much can residents of Manchester expect to pay for their car insurance? Compared to their surrounding area, how do rates in Manchester stack up? What about against the rest of Tennessee? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Manchester?

Area Average Monthly Car Insurance Premium
Manchester$46
TN$52
United States$80

Based on the chart above, you can see that it's about $6 a month cheaper to insure your vehicle in Manchester than it is in the rest of Tennessee.

Similarly, car insurance rates in Manchester are often favorable when viewed against the rest of the country. It's around $34 less to insure your vehicle compared to the average rate for the U.S. as a whole.

While these numbers are the average rates for auto insurance in Manchester, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Manchester residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$80
25-34$36
35-44$38
45-54$39
55-64$34
65+$25

Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates begin to go back up in Manchester.

Average Car Insurance Rates by Gender

Gender Average
Male$50
Female$43

Car insurance rates for men are usually slightly more expensive than they are for women. The difference in average rates in Manchester totals about $7 a month. Looking at the table above, you can see that female drivers pay around $43 on average, while male drivers typically pay $50 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$55
Multiple Accidents$53
1 Ticket$52
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Manchester, drivers with one accident on their record will experience rates around $55 a month. In addition, drivers with a single ticket on their record can expect to pay around $52 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$31
2-3 Years$52
4-5 Years$37
6-7 Years$40
8-10 Years$62
11-14 Years$43
15 Years or Older$40

As you can see in the first table above, the cheapest vehicles to insure in Manchester are by and large cars, which run about $42 per month.

SUV owners will see rates of about $52, while truck and van owners usually pay around $45 per month.

Your vehicle's age has an impact on the cost of your policy as well. 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 rates drop back down a bit. 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)$50
Married$34
Divorced$40

More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Manchester is no exception, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$36
Rent$45
Live with parents$67

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $9 a month more than homeowners in Manchester. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Manchester, TN

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 shopping for coverage.

The cost of car insurance coverage in Manchester increased from 2016-2017, before leveling out in 2018. They went up again, reaching a high of $51 in 2020, and finished down at $34 in 2021.

How does Manchester compare to neighboring areas?

Why are car insurance rates in Manchester different from other areas?

There are many factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Total number of drivers
  • General road safety (how many accidents each locality has)
  • Laws
  • Area crime rates
  • Off-street parking access

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Manchester?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Manchester.

Compare the cheapest quotes from dozens of insurance companies

Manchester Insurance FAQs

What factors affect car insurance quotes in Manchester?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Manchester different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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.

Find your best rate in just a few minutes