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Who has Cheap Car Insurance in Manchester?

Cheap Car Insurance for Young Drivers in Your Area

Quickly compare up to 99 UK insurance providers.

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Manchester is home to thousands of drivers who need car insurance. Unfortunately, Manchester has some of the highest car insurance prices in England, but expect costs to vary depending on your age and where you live. For example, drivers in Wigan can secure cheap cover from £714 but those in Rochdale may pay around £2,000. By learning about typical Manchester car insurance prices you'll be able to spot a good car insurance deal when you see one.

In this article, we crunched the data on 44 car insurance companies to see who offers the cheapest comprehensive car insurance premiums across Greater Manchester.

Cheapest Car Insurance Companies in Greater Manchester

We gathered quotes from 44 car insurance companies who operate in Manchester to see which offered the cheapest comprehensive car insurance prices. We then ranked them based on their averages across the ten districts in Greater Manchester.

Rates are for a 30-year-old with a good driving record who drives a Ford Fiesta. Here are the five auto insurance companies with the best rates in Greater Manchester. As you can see from the chart below, it really pays to shop around before you buy as the cheapest plans are much less expensive than the average quote.

chart showing cheap car insurance for young drivers

The results showed that the cheapest car insurance company overall with the widest coverage for Greater Manchester drivers was Admiral with an average cost of £1,217 per year. Drivers really looking to save money could opt to install a black box and pay even less—£1,010 on average across Greater Manchester. Overall, we found that Admiral plans were 62% less expensive than the average Greater Manchester car insurance quote.

RankAuto Insurance CompanyAnnual Premium
1Admiral (including LittleBox Telematics plans)£1,114
2Diamond Insurance£1,246
3elephant.co.uk£1,252
4Bell Insurance£1,753
5HR Insurance£1,293
6MyPolicy£1,350
7Insure Pink£1,376
8LV=£1,429
9MORE Th>n£1,520
10Budget Insurance£1,690

Note: Quote Detective and Barry Grainger offered economical plans only in some areas, so were therefore excluded from the overall Greater Manchester cheap list.

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.

Area

Insurance CompanyCheapest Quotes
BoltonAdmiral LittleBox£1,248
Admiral Insurance£1,575
elephant.co.uk£1,593
BuryAdmiral LittleBox£908
Barry Grainger£1,005
Admiral Insurance£1,183
City of ManchesterAdmiral Littlebox£860
Admiral Insurance£1,040
Elephant£1,052
OldhamAdmiral Littlebox£849
Admiral Insurance£1,053
Elephant£1,064
RochdaleAdmiral Littlebox£1,748
Acorn Insurance£1,951
elephant.co.uk£2,176
SalfordAdmiral LittleBox£1,017
Admiral Insurance£1,291
elephant.co.uk£1,306
StockportAdmiral Littlebox£860
Admiral Insurance£1,040
Elephant£1,052
TamesideAdmiral Littlebox£750
Admiral Insurance£847
Elephant£862
TraffordAdmiral LittleBox£758
Admiral Insurance£855
elephant.co.uk£855
WiganBell£654
Hastings Essential£699
Admiral Insurance£710

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.

chart showing cheapest car insurance in bolton, greater manchester

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.

chart showing cheapest car insurance in bolton, greater manchester

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.

chart showing cheapest car insurance in bolton, 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.

chart showing cheapest car insurance in bolton, greater manchester

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=.

chart showing cheapest car insurance in bolton, greater manchester

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.

chart showing cheapest car insurance in bolton, greater manchester

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.

chart showing cheapest car insurance in bolton, greater manchester

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.

chart showing cheapest car insurance in bolton, greater manchester

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.

chart showing cheapest car insurance in bolton, greater manchester

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 AgeAverage Premium
18 years£4,396
25 years£3,138
30 years£1,680
40 years£1,669
50 years£1,494
60 years£1,675
70 years£1,979
Chart showing the cost of car insurance in Manchester by Age

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.

RankAreaAverage QuoteExcess
1Wigan£714£399
2Tameside£836£400
3Trafford£845£395
4Stockport£985£380
5Oldham£993£395
6Bury£1,215£433
7City of Manchester£1,256£395
8City of Salford£1,358£395
9Bolton£1,660£395
10Rochdale£1,998£440
Average£1,186£403
chart showing cost of car insurance across greater Manchester

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 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
  • Stockport
  • Tameside
  • Oldham
  • Rochdale
  • Bury
  • Bolton
  • Wigan
  • City of Salford
  • Trafford

Altogether we collected over 600 quotes from the following 40 car insurance companies:

  • Academy Insurance
  • Acorn Insurance
  • Admiral
  • Barry Grainger
  • Bell Insurance
  • Brightside
  • Budget Insurance
  • City Insurance
  • Coverbox
  • Diamond Insurance
  • elephant.co.uk
  • Endsleigh Insurance
  • esure
  • esure broker
  • Flux Direct
  • Got You Covered
  • Hastings
  • HR Insurance
  • Insurance Factory
  • Insurance Revolution
  • Insure Pink
  • Insure Wiser
  • Insure Wiser Platinum
  • insurewiser.co.uk
  • LV=
  • MORE 1Th>n
  • MyPolicy
  • NCI Insurance
  • One Call Insurance
  • One Call Telematics
  • Onecall
  • Owners Club Insurance
  • Peoples Choice
  • Quote Detective
  • Quoteline Direct
  • QuoteMeHappy.com
  • RAC
  • Sheilas' Wheels
  • Sheilas' Wheels Broker
  • U Drive

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 will buy a car insurance plan 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 in Your Area

Quickly compare up to 99 insurance providers.

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