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Cheapest Car Insurance Companies in Greater Manchester
In Greater Manchester, the average cheap car insurance quote was £1,285 for a 30-year-old driver of a Ford Fiesta who has a good driving record and 5 years of no claims bonus.
The auto insurance company with the best rates across Manchester for our sample driver was Admiral. Overall, we found that Admiral plans were 62% less expensive than the average Greater Manchester car insurance quote. As you can see from the chart below, it really pays to shop around before you buy as the cheapest car insurance plans are significantly less expensive than the average quote.
Manchester is home to thousands of drivers who need car insurance. Unfortunately, Manchester has some of the highest car insurance prices in England, especially for young drivers. Young drivers can install a black box and pay even less—£1,010 on average across Greater Manchester.
|Rank||Auto Insurance Company||Annual Premium|
|1||Admiral (including LittleBox Telematics plans)||£1,114|
Note: Quote Detective and Barry Grainger offered economical plans only in some areas, so were therefore excluded from the overall Greater Manchester cheap list. And there may be other companies with even cheaper car insurance for your profile.
Manchester, England Car Insurance Brokers
For those who want more guidance during the car insurance buying process versus buying online, an independent broker can be a good resource—but they may not have access to the cheapest plans and you may pay higher fees using a broker. Below, we've compiled a list of car insurance agents in Manchester, England.
|Active Insurance Services||154 Bolton Rd, Manchester, M28 3BW||0161 669 2638|
|Acumen Credit Insurance Brokers Ltd||40 Spring Gardens, Manchester M2 1EN||0161 687 2382|
|Apple Insurance Services||363 Barlow Moor Rd, Chorlton-cum-Hardy, Manchester M21 7FZ||0161 881 2139|
|Aston Lark||Parsonage Chambers, 3 Parsonage, Manchester M3 2HW||0161 834 1884|
|Beresford Insurance Brokers||81 Manchester Rd, Denton, Manchester M34 2AF||0161 336 6551|
|Bridge Insurance Brokers Ltd||House 14, Cobac, 16 Charlotte St, Manchester M1 4FL||0161 236 6969|
|Hine Chartered Insurance Brokers||79-81 School Ln, Manchester M20 6WN||0161 438 0000|
|J & A Brokers Ltd||Trafford House, Chester Rd, Stretford M32 0RS||0161 872 9886|
|Marsh Commercial||Kabel House, 15 Quay St, Manchester M3 3HN||0161 228 0444|
|Norwest Insurance Brokers Ltd||181 Dickenson Rd, Longsight, Manchester M13 0YN||0161 225 9200|
|Reich Insurance||Reich House, 197-203 Chapel Street, Manchester, Salford M3 5EQ||0161 834 8877|
|Simple Insurance Solutions||875 Stockport Rd, Manchester M19 3PW||0161 241 5122|
|Well Dunn Insurance Services||Boulton House, Chorlton St., Manchester M1 3HY||0330 808 1500|
|Wilsons Insurance Brokers||Clipper house, Chester Rd, Sale, Manchester M32 8AF||0161 874 4188|
Vehicle Crime Rates in Manchester, UK
In Greater Manchester, there are 9.0 vehicle crimes each year per 1,000 people. The vehicle crime rate influences car insurance premiums in an area, because it can impact the odds that a car is the victim of theft. Vehicle crimes include both theft of a car and theft from a car.
The safest areas in Manchester in terms of vehicle crime are M18 and M23, covering, Abbey Hey, Gorton, Baguley and Roundthorn Industrial Estate. In these areas, there are fewer than 5 vehicle crimes per 1,000 residents.
At the opposite end of the spectrum, M3 and M4 covering Manchester City Centre, Blackfriars, Trinity, Ancoats, Northern Quarter and Strangeways have the worst vehicle crime rates with more than 35 crimes per 1,000 people, which is 7X higher than the safest areas of Manchester for vehicle thefts.
|Rank||Local Area||Postcode||Vehicle Crime Rate (per 1,000 people)|
|1||M18||Abbey Hey Gorton||4.4|
|2||M23||Baguley Roundthorn Industrial Estate||4.5|
|3||M22||Wythenshawe Northenden Sharston Industrial Area||5.1|
|4||M11||Clayton Openshaw Beswick||5.4|
|6||M13||Ardwick Longsight Chorlton-on-Medlock||5.8|
|10||M15||Hulme Manchester Science Park||7.6|
|11||M14||Fallowfield Moss Side Ladybarn Rusholme||7.8|
|12||M8||Crumpsall Cheetham Hill||8.0|
|13||M40||Collyhurst Miles Platting Moston New Moston Newton Heath||8.2|
|14||M12||Ardwick Longsight Chorlton-on-Medlock||10.9|
|15||M1||Piccadilly Northern Quarter Manchester City Centre||33.4|
|16||M3||Manchester City Centre Blackfriars Trinity||35.2|
|17||M4||Ancoats Northern Quarter Strangeways||37.0|
Cheap Car Insurance Companies in Greater Manchester by City and Town
The cost of car insurance varies depending by geography. In order to identify the top three insurers with the lowest rates where you live, we analysed car insurance rates in each of the ten Greater Manchester districts. In each area, we found that the cheapest car insurance deals are for Telematics (a black box installed in your car to track your driving style) plans predominantly from Admiral Littlebox, but also from Bell Insurance.
|Insurance Company||Cheapest Quotes|
|City of Manchester||Admiral Littlebox||£860|
Bolton, Greater Manchester
Car insurance policies cost on average £3,549 in Bolton—the second highest in Greater Manchester—but you can still find a cheap deal if you look around. In our research, we found that Admiral Littlebox offers the cheapest plans.
If you don't want a black box installed in your car to track your driving, consider Admiral, Elephant, Diamond and LV—the four next cheapest car insurance companies for Bolton in our study. Quotes from these companies are 45% less than the Bolton average.
Bury, Greater Manchester
Car insurance quotes for drivers in Bury are £3,167 on average, with Admiral Littlebox again offering the cheapest plan with its Telematics plan. If you want a cheap plan without a black box then consider Barry Grainger, Admiral, elephant.co.uk or Diamond. Prices from these companies are 31% lower than the average car insurance quote in Bury.
Oldham, Greater Manchester
In Oldham, Admiral tops the charts with its Littlebox black box plan and the regular Admiral insurance plan close behind. On average, drivers will pay £2,709 in Oldham, which is 7% more than the average in Greater Manchester.
Rochdale, Greater Manchester
As the most expensive Greater Manchester town to insure a car, it really pays to shop around for car insurance if you live in Rochdale. The four cheapest non-Telematics car insurance plans cost a whopping 58% less than the town's average of £3,673. If you don't want a black box installed in your car, check out Acorn Insurance, Elephant, Admiral and Diamond for cheap prices in Rochdale.
Salford, Greater Manchester
Residents of Salford will receive an average quote around £3,100 for annual comprehensive car insurance, but prices as low as £1,000 to £1,300 were found amongst the cheapest insurance companies for the area, Admiral, Elephant, Diamond and LV=.
Stockport, Greater Manchester
Those based in Stockport can obtain car insurance for an average quote of £2,892. If price is your priority, then Admiral Littlebox once again secured the cheapest plan. Those wanting car insurance without a black box can look to Admiral, Elephant, Diamond and HR Insurance, to save around 34% off of the average Stockport price of car insurance.
Tameside, Greater Manchester
It costs around £2,754 to buy car insurance in Tameside, close to the average a driver would pay across Greater Manchester. There are some good deals to be found, however, with the 5 cheapest car insurance plans all coming in under £1,000. In addition to the usual cheap car insurance companies Admiral, Elephant and Diamond, you might also want to consider Bell Insurance if you don't mind installing a black box in your car to track your driving style.
Trafford, Greater Manchester
Trafford sports the second cheapest car insurance in Greater Manchester, with an average annual price of £2,442 for our 30-year-old sample driver. Despite the lower overall prices, it still pays to compare prices—the cheapest four non-Telematics plans came in a substantial 29% lower than average across Trafford.
Wigan, Greater Manchester
With the cheapest car insurance in Greater Manchester, Wigan drivers looking for car insurance will get an average quote of £2,129 for comprehensive cover—a massive 37% less than the Greater Manchester average price of comprehensive car insurance. A few different car insurance companies stood out in Wigan for providing the cheapest cover compared to the rest of Greater Manchester, notably Bell and Hastings.
Average Cost of Cheap Car Insurance in City of Manchester by Driver Age
Quotes for young drivers in the City of Manchester are up to 3X as expensive as quotes for an experienced driver in their 60s. In fact, by the time a young driver turns 30, they can expect their car insurance premiums to drop by over 60%, all else equal. Age is one of the primary factors that determines the cost of car insurance. To a car insurance company, age is an indication of a driver's experience behind the wheel and general accident risk.
Drivers in Manchester can expect their car insurance rates to continue to drop until around 60 years of age, at which point rates start to rise gradually.
|Driver Age||Average Premium|
Average Cost of Cheap Car Insurance by Manchester District
How much do drivers pay on average for cheap car insurance across Greater Manchester? According to the data, drivers would pay on average £1,186 per year in different areas of Manchester, with an average excess of £403. Those living in Rochdale are likely to pay the most, with average quotes around £1,998 for comprehensive car insurance—68% more than the Manchester average.
At the opposite end of the spectrum, drivers living in Wigan will receive cheaper quotes around £714 for car insurance—40% less than average for Manchester residents. Not only that, but those paying a higher premium usually have to pay a higher excess in the event of a claim, with the average Wigan excess at only £399 compared to £440 for Rochdale.
|7||City of Manchester||£1,256||£395|
|8||City of Salford||£1,358||£395|
Manchester Car Insurance is Expensive
Car insurance rates are more expensive in Manchester than in any other major town in England. We've compared towns across England by averaging the 3 cheapest quotes available for a 50-year-old driver from our car insurance partner QuoteZone and found that Manchester drivers pay 44% more than average. The same holds true for young drivers in Manchester.
|City||Post Code||Cheap Quotes|
Why is car insurance in Manchester so expensive? Because of higher claims rates in Manchester than other cities in England. In fact, the Manchester Evening News has reported that nine out of ten car thieves in Greater Manchester get away with the crime and that the number of thefts has risen by a whopping 80% from 2014 to 2018. Since car insurance companies have higher claims in Manchester than many other areas, local motorists pay the price through higher car insurance rates.
In order to determine what a Manchester driver will typically pay for comprehensive car insurance and to pick out the cheapest car insurance companies, we gathered quotes for a 30-year-old male driver with a Full UK Licence who drives a three-year-old, 2015 Ford Fiesta (the UK's most popular car). Our sample driver parks on the street near home and drives under 5,000 miles per year. We tested prices for the following Greater Manchester districts:
- City of Manchester
- City of Salford
Altogether we collected over 600 quotes from the following 40 car insurance companies:
For the analysis of how the cost of car insurance in Manchester changes with age, we assumed the drivers did not have a no claims discount for consistency, since an 18-year-old driver would not have a no claims discount. When comparing costs across districts of Greater Manchester for a 30-year-old, our sample driver had 5 years of NCD.
Note: For analysis by age we averaged the 5 cheapest quotes available from our car insurance partner QuoteZone; for analysis by district we averaged the 5 cheapest quotes available from QuoteZone and the 5 cheapest quotes available from MoneySuperMarket. We figure that no one looking for cheap car insurance will buy a policy costing an excessive amount when others are available at a fraction of the price. Including higher data quotes, which can be multiples of a cheap quote, would have skewed the results, making the average cost of car insurance look higher than it is in practical terms.
Cheap Car Insurance for Drivers in Your Area of Manchester
Quickly compare over 100 insurance providers in Manchester.