Do Any Companies Have Cheap Car Insurance in Manchester?

• Which Car Insurance Companies are Cheapest in Manchester UK?
• Car Insurance Quotes Manchester
• Manchester Car Crime Rates
• Average Cost of Manchester UK Car Insurance by District
• Manchester is Expensive for Car Insurance
• FAQ
• Methodology

Cheapest Car Insurance Companies in Greater Manchester

In Greater Manchester, the average cheap car insurance quote was £1,285 for a 35-year-old driver of a Vauxhall Corsa who has a good driving record and 5 years of no claims bonus—it's not cheap! To learn more about prices in notoriously-expensive Manchester, we've run some sample quotes via our comparison partner to find companies offering lower prices in the area. (Of course, prices for you may vary—find out how much you'll pay by clicking below!)

The auto insurance company with the best rates across Manchester for our sample driver was Hastings, for a telematics plan. The cheapest non-telematics provider was Swiftcover (an Axa brand). Overall, we found that this Hastings plan was 45% less expensive than the average Greater Manchester car insurance quote returned. 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.

Note: there may be other companies with even cheaper car insurance for your profile available elsewhere in the market, and your quotes will vary from the above.

Car Insurance Quotes Manchester

To get cheap car insurance in Manchester, compare quotes from up to 100+ companies here.

Since pricing can vary so much by neighborhood in Manchester, as well as vehicle, driver age and many other factors, comparing quotes is critical to find a good deal and can save you hundreds of pounds a year. Our comparison can return up to 100 or more quotes to help you find cheap car insurance in Manchester just for you.

Manchester, England Car Insurance Brokers

In addition to buying online, you can contact an independent broker to get car insurance quotes. These 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.

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.

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.

Bolton, Greater Manchester

Cheap car insurance policies cost on average £849 in Bolton—the third highest in Greater Manchester—but you can still find a cheap deal if you look around. In our research, we found that Hastings Direct YouDrive offered the cheapest plan to our sample driver.

If you don't want a black box installed in your car to track your driving, the other Hastings plans, People's Choice, Insure Pink or Doddle Cover offered the next cheapest plans for Bolton in our study. Quotes from these companies are 45% less than the Bolton average.

Bury, Greater Manchester

Cheap car insurance quotes for drivers in Bury were £881 on average, the highest in Greater Manchester, with Hastings Direct YouDrive again offering the cheapest cover with its Telematics plan. Admiral Littlebox, another telematics plan, was next cheapest. If you want a cheap plan without a black box then Hastings Essential and Doddle were next cheapest. Prices from these companies were around 40% lower than the average car insurance quote in Bury.

Levenshulme, Greater Manchester

We found that cheap car insurance for Levenshulme cost around £836 (average of the 5 cheapest plans), with the cheapest cover coming from Hastings YouDrive at £742 for our sample driver. The cheapest non-telematics plan was offered by Admiral Insurance, at a cost of £882 per year.

Oldham, Greater Manchester

In Oldham, Hastings tops the charts with its Direct YouDrive telematics plan and the regular Hastings Essential insurance plan close behind. On average, drivers will pay £741 for cheap car insurance in Oldham, which is close to the average in Greater Manchester.

Rochdale, Greater Manchester

As the most expensive Greater Manchester town to insure a car (tied with Bury), it really pays to shop around for car insurance if you live in Rochdale. The five cheapest car insurance plans had an average cost of £881. If you don't want a black box installed in your car, we found the cheapest company was Elephant.

Salford, Greater Manchester

Residents of Salford received an average quote around £767 from the 5 cheapest options for annual comprehensive car insurance, but prices as low as £575 were found amongst the cheapest telematics insurance plans, such as Hastings Direct YouDrive. Hastings was also the cheapest non-telematics plan (£785 for our sample driver from Hastings Essential).

Stockport, Greater Manchester

Those based in Stockport can obtain car insurance for an average quote of £640. If price is your priority, then Hastings Direct YouDrive once again secured the cheapest plan. Those wanting car insurance without a black box can look to Hastings, People's Choice, Insure Pink and Elephant, as these were next cheapest in our tests.

Tameside, Greater Manchester

It costs around £660 to buy a cheap car insurance in Tameside, close to the average a driver would pay across Greater Manchester. There are some better deals to be found, however, with the cheapest car insurance plan for our driver coming in at £626. In addition to the usual cheap car insurance companies like Hastings, Admiral (via their brand Elephant) and Axa (and their cheaper brand Swiftcover) were competitive here.

Trafford, Greater Manchester

Trafford sports the second cheapest car insurance in Greater Manchester, with an average annual price of £623 for our 35-year-old sample driver. Despite the lower overall prices, it still pays to compare prices—the cheapest non-Telematics plans came in from Swiftcover at £630, which was a pretty small additional premium compared to the telematics offers.

Wigan, Greater Manchester

With the cheapest car insurance in Greater Manchester, our sample Wigan driver looking for car insurance got an average cheap quote of just £600 for comprehensive cover—a massive 18% 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 Hastings and People's Choice. Notably, the cheap offers were for regular car insurance, not telematics plans, making them even more attractive.

Wythenshawe, Greater Manchester

In the Wythenshawe area of Greater Manchester, Hastings Direct YouDrive again offered the cheapest plan to our sample driver, at a cost of £720 per year for comprehensive car insurance. The average premium for our driver across the 5 cheapest plans we found was £846. The company offering the cheapest non-telematics plan was Admiral Insurance, who quoted an annual premium of £899 to us.

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 50s. 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.

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.

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 of a Ford Fiesta who commutes with their car 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.

Car insurance is the most expensive in Manchester, UK

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.

FAQs

Methodology

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 35-year-old male driver with a Full UK Licence who drives a four-year-old, 2019 Vauxhall Corsa (one of the UK's most popular cars). Our sample driver parks on a private drive and drives under 5,000 miles per year. We tested prices for the following Greater Manchester districts:

Altogether we collected over 600 quotes from the car insurance companies in our partner's panel, including but not limited to:

For the analysis of how the cost of car insurance in Manchester changes with age, we assumed the drivers had a max no claims discount of 5 years (with less for the 20-year-old driver could not have a 5-year 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. 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. When stating average figures across all quotes for an area, we returned the average of all quotes received.

Note regarding savings figures: *For information on the latest saving figures, pay-less-than figures, and pay-from figures used for promotional purposes, please click here.