In Manchester, Amica offers the best home insurance, balancing affordability, customer service and coverage options. The company also provides the lowest premium at $78 per month.
Cheap Home Insurance in Manchester
Updated: June 10, 2025
Advertising & Editorial Disclosure
Key Takeaways
For homeowners in Manchester, Amica provides the best overall value and offers the most affordable coverage at $937 annually.
Home insurance in Manchester costs an average of $164 per month or $1,963 per year for most residents.
To secure the best and cheapest home insurance, determine your coverage needs, research providers and compare multiple quotes carefully.
Best Cheap Home Insurance Companies in Manchester
| Amica | 95 | $78 | $937 |
| State Farm | 78 | $121 | $1,456 |
| Concord Group Insurance | 72 | $111 | $1,328 |
| Main Street America Insurance | 65 | $149 | $1,793 |
| Nationwide | 56 | $223 | $2,681 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Manchester Home Insurance Cost?
Manchester home insurance costs vary by personal profile, coverage level and home details. Monthly rates range from $54 to $562. Compare personalized rates based on your home's age and desired coverage level using the table below.
Data filtered by:Results filtered by:
Select
Age of Home:Newer Home
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $54 | $651 |
How to Get the Best Cheap Home Insurance in Manchester
Finding affordable home insurance in Manchester can be challenging. We created a step-by-step guide to help you discover the best cheap homeowners insurance that suits your needs.
- 1
Decide on Coverage Beforehand
Determine your home insurance coverage needs beforehand to compare quotes easily and prevent being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in New Hampshire for your city and profile can help you gauge potential savings. Know what discounts you may qualify for and find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Getting quotes from various sources helps you find the best deal since pricing varies by where you shop. Request quotes online, from independent agents who represent multiple insurers, and from captive agents who work for specific companies. This approach ensures you're seeing the full range of available rates.
Best Home Insurance in Manchester: Bottom Line
The top three best and cheapest home insurance providers in Manchester are Amica, State Farm and Concord Group. While these are our recommendations, do your own research and compare multiple quotes to secure the best deal.
Manchester Home Insurance: FAQ
Below, we answer the most common Manchester home insurance questions.
Who offers the best home insurance in Manchester?
We recommend Amica as the best home insurance provider in Manchester for its competitive pricing, top-notch service and variety of coverage options. Also consider quotes from State Farm, Concord Group, Main Street America and Nationwide.
Who has the cheapest home insurance in Manchester?
Amica offers the most affordable home insurance in Manchester at around $78 per month or $937 annually. Your rates will vary based on your profile, home details and coverage preferences.
What does home insurance cost in Manchester?
Home insurance costs in Manchester range from $651 to $6,742 annually, depending on home age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Manchester
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Manchester. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.