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Get Cheap Car Insurance in Manchester, ME

We monitor insurance prices, helping the average driver in Manchester save up to 31.9% on car insurance.

 

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The Cheapest Minimum Coverage in Manchester

The chart below shows the cheapest car insurance company in Manchester for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Concord Group Insurance, and Kemper.

 
Manchester Insurer Monthly Cost
State Farm $37
Geico $38
Concord Group Insurance $41
Kemper $41

Savings for Every Kind of Manchester Driver

The table shows how much the average auto insurance customer in Manchester might save by following our recommendations.

Based on our extensive insurance data, we know the average Manchester driver will save about 24% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $232 per year by choosing the right vehicle insurance company. Some Manchester residents are paying out over $948 extra every year for auto insurance in Manchester. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Manchester, ME Savings / Yr.
Drivers with good records
$232
Drivers with accidents
$329
Drivers with speeding tickets
$298
Drivers with a DUI conviction
$303
Young drivers
$964
Married drivers
$201
Drivers with bad credit
$423

Manchester Car Insurance vs. Maine

People living in Manchester pay an average of 0.26% more than the typical driver in the state. The average driver in Manchester can expect to pay about $528 per year, or $948 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in Manchester for most people.

Car Insurance Prices by Manchester Neighborhood

Manchester, ME map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Manchester?

The map shows insurance prices in and around Manchester, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $33 per year within the city boundaries, with insurance premiums ranging from a high of $973 to a low of $940. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the West parts of Manchester.

Pick the Best Car Insurance Company for You in Manchester

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Manchester insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Manchester

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $232 over the average Manchester car insurance company.

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We use the average good driver, paying $60 per month, as our baseline for pricing in Manchester. Travelers, Concord Group Insurance, and Kemper are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Manchester drivers with accidents on their records

In Manchester getting into an accident will raise premiums an average 32% for a yearly cost of $1,396. That's $447 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Concord Group Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $329 over the competition.

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The best car insurance company for Manchester drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $298 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Manchester, tickets raise premiums on new quotes about $254. If you have a speeding ticket, we recommend State Farm, Geico, and Concord Group Insurance for savings that beat the average insurance cost of $1,202 per year.

The best auto insurance for Manchester drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,399 per year in auto insurance premiums, which was $450 more than a driver with no major issues. State Farm, Progressive, and Concord Group Insurance penalized their customers the least for a DUI.

Getting a quote from Concord Group Insurance may cost the average person with a DUI about $303 less each year.

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The least expensive car insurance company for new and young drivers in Manchester

In Manchester, Concord Group Insurance costs young drivers $964 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Manchester. With an average cost of $3,018 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Concord Group Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Manchester

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $82. State Farm, Geico, and Concord Group Insurance provided the largest discounts to couples living in Manchester.

Concord Group Insurance gave the largest car insurance discounts to married couples, averaging $201 saved each year compared to an average Manchester couple's premiums.

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The cheapest car insurance in Manchester for drivers with bad credit

People with poor credit saved an average of $423 with Concord Group Insurance.

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Many people are surprised that their poor credit score can cost them an average of $678 every year. Premiums for people with poor credit were about $1,626 in Manchester. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Concord Group Insurance.

The best Manchester car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Manchester, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Manchester.

Nationwide was the best company for customer service in Manchester according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Manchester, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Manchester. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Manchester

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 19% of Manchester residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Manchester driver can expect to pay about $60 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Manchester, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, young drivers, good drivers, drivers with accidents, and married couples.
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Auto Insurance Prices in and Around Manchester

What Influences the Cost of Car Insurance in Manchester?

On average, car insurance in Manchester is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Manchester is 31 minutes, which is about the national average for a driver in the state.
  • Maine state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Manchester are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Manchester has an average population density in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Manchester is $44 per month for minimum coverage and $79 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Manchester driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Manchester with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.