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Get Cheap Car Insurance in Northwest, Manchester, NH

We monitor insurance prices, helping the average driver in Northwest save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in Northwest

The chart below shows the cheapest car insurance company in Northwest 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 Kemper, followed by State Farm, Geico, and Midvale Home & Auto.

 
Northwest Insurer Monthly Cost
Kemper $43
State Farm $44
Geico $44
Midvale Home & Auto $48

Savings for Every Kind of Northwest Driver

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

Based on our extensive insurance data, we know the average Northwest driver will save about 29% 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 $368 per year by choosing the right vehicle insurance company. Some Northwest residents are paying out over $1,271 extra every year for auto insurance in Northwest. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Northwest, Manchester, NH Savings / Yr.
Drivers with good records
$368
Drivers with accidents
$532
Drivers with speeding tickets
$452
Drivers with a DUI conviction
$645
Young drivers
$1,446
Married drivers
$373
Drivers with bad credit
$697

Northwest Car Insurance vs. Manchester

People living in Northwest pay an average of 5.17% more than the typical driver in the state. The average driver in Northwest can expect to pay about $761 per year, or $1,271 for full coverage.

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

Car Insurance Prices by Northwest Neighborhood

Northwest, Manchester, NH map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Northwest?

The map shows insurance prices in and around Northwest, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $126 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,318 to a low of $1,192. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Northwest.

Pick the Best Car Insurance Company for You in Northwest

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 Northwest insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Northwest

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $368 over the average Northwest car insurance company.

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We use the average good driver, paying $75 per month, as our baseline for pricing in Northwest. State Farm, Travelers, and Concord Group Insurance 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 Northwest drivers with accidents on their records

In Northwest getting into an accident will raise premiums an average 33% for a yearly cost of $1,898. That's $627 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, Geico, and Travelers 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 $532 over the competition.

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The best car insurance company for Northwest drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $452 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 Northwest, tickets raise premiums on new quotes about $374. If you have a speeding ticket, we recommend State Farm, Travelers, and Concord Group Insurance for savings that beat the average insurance cost of $1,646 per year.

The best auto insurance for Northwest drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,963 per year in auto insurance premiums, which was $692 more than a driver with no major issues. Progressive, Midvale Home & Auto, and Concord Group Insurance penalized their customers the least for a DUI.

Getting a quote from Midvale Home & Auto may cost the average person with a DUI about $645 less each year.

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

In Northwest, Concord Group Insurance costs young drivers $1,446 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 70% more for insurance than more mature drivers in Northwest. With an average cost of $4,184 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 Northwest

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $77. State Farm, Geico, and Concord Group Insurance provided the largest discounts to couples living in Northwest.

Geico gave the largest car insurance discounts to married couples, averaging $373 saved each year compared to an average Northwest couple's premiums.

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The cheapest car insurance in Northwest for drivers with bad credit

People with poor credit saved an average of $697 with Concord Group Insurance.

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Many people are surprised that their poor credit score can cost them an average of $939 every year. Premiums for people with poor credit were about $2,211 in Northwest. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and Concord Group Insurance.

The best Northwest car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Northwest, 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 Northwest.

Nationwide was the best company for customer service in Northwest 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 Northwest, 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 Northwest. 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 Northwest

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 67% of Northwest residents who are renting, and don't plan to be in the neighborhood or city 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 Northwest driver can expect to pay about $72 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 Northwest, USAA has the best prices for drivers with bad credit, married couples, good drivers, drivers with a DUI conviction, drivers with accidents, young drivers, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Northwest

What Influences the Cost of Car Insurance in Northwest?

On average, car insurance in Northwest 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 neighborhood are influenced by the following factors:

  • The average commute time in Northwest is 28 minutes, which is a little less than average for a driver in the city.
  • New Hampshire state insurance regulations may allow for lower prices.
  • An average of 17 to 18 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Northwest are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Northwest is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Northwest is $63 per month for minimum coverage and $106 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Northwest driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Northwest 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.