Best Cheap Auto Insurance in Rochester, New Hampshire (2024)

Safeco, Liberty Mutual, and Bristol West are the best car insurance companies in Rochester, New Hampshire.

Bob Phillips
Written byBob Phillips
Bob Phillips
Bob Phillips
  • 15+ years in personal finance advising and writing

  • Holds Chartered Life Underwriter (CLU) designation

Bob has spent 15+ years helping people plan their financial lives. As a freelance writer, he’s covered insurance, mutual funds, stocks and bonds, and more.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated February 29, 2024

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Rochester drivers pay an average of $46 per month for car insurance, significantly less than what most drivers pay across the country. Liability-only car insurance in Rochester costs an average of $30 per month, while full coverage costs $62. These cheap car insurance rates can partly be attributed to New Hampshire’s lax insurance requirements and Rochester’s small population of a little over 30,000.

Quick Facts
  • Drivers don’t need to carry car insurance in New Hampshire but must be able to show proof of financial responsibility.

  • Insurers in New Hampshire can use your credit score when determining your rates.

  • The overall average cost of car insurance in New Hampshire is $90.

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Best car insurance companies in Rochester

When it comes to the best car insurance for you, you’ll need to consider your financial situation and insurance needs. The best car insurance company for one driver may not be the right fit for you. Your age, vehicle type, driving record, coverage limits, deductible, credit score, and marital status can all affect how much you pay.

The only way to find the best and cheapest options for you is to take the time to research multiple companies and compare car insurance quotes side by side. Every company has pros and cons, and some will be better suited for your situation and driving history.

For instance, if you only need liability insurance coverage, Safeco is the most affordable option. However, if you have a spotty driving record or want discount options, you may want to consider Liberty Mutual or Bristol West.

Best insurer for cheap rates: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$86/mo

Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company provides new-vehicle replacement, rental car reimbursement, liability coverage, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months.

The company has an average amount of complaints on the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index.

Pros
  • Pays cash back to customers who remain claims-free

  • Many options for customizing car insurance

Cons
  • Limited number of discounts

  • Customer reviews indicate room for improvement in customer service

Significant price increase! Over twenty-two dollars monthly, without any driving changes. No accidents or tickets.

BILLY - December 4, 2023
Verified

Quality price & service.

Emery - September 21, 2023
Verified

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023
Verified
Read our Safeco review

Best insurer for discounts: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life, and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts.

Liberty Mutual has an A rating for financial strength from AM Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints on the NAIC Consumer Complaint Index.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to the industry average

The only thing is pricing and checking with other carriers for pricing!!! Liberty Mutual has all of them beat.

William - December 1, 2023
Verified

Wasn't consistent with price from year one to year two.

Lester - November 30, 2023
Verified

Best service there is.

H - November 27, 2023
Verified
Read our Liberty Mutual review

Best insurer for high-risk drivers: Bristol West

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$91/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$207/mo

Florida-based Bristol West started selling car insurance in 1973. Farmers Insurance now owns the company, which provides private car insurance in 43 states. Bristol West specializes in writing policies for difficult-to-insure drivers — for example, drivers with a DUI or a lapse in coverage. In addition to liability, collision, and comprehensive, Bristol West offers coverages like rideshare insurance and rental car coverage.

AM Best gave Bristol West an A rating for financial strength and credit. However, the company has a higher-than-average number of complaints on the NAIC Consumer Complaint Index.

Pros
  • Offers rideshare coverage as an extension of your policy

  • Provides coverage for difficult-to-insure drivers

Cons
  • Drivers with moving violations pay very high rates

  • Lower-than-average customer satisfaction

Overall great service. The price got too high.

Mike - November 14, 2023
Verified

They are a little higher. They don't have roadside options, and for what they charge, it should be included.

DANA - November 9, 2023
Verified

Good company for insurance.

James - November 9, 2023
Verified
Read our Bristol West review
Check Out: Cheapest Car Insurance Companies with Affordable Rates

Check Out: Cheapest Car Insurance Companies with Affordable Rates

Cheapest liability-only car insurance in Rochester

Liability coverage provides two types of protection: property damage and bodily injury. Property damage liability coverage pays for damages you cause to someone else’s property with your car, such as cars, houses, or trees. Bodily injury liability coverage pays for expenses associated with injuries to another driver and their passengers in a crash you caused.[1]

It’s important to remember that a liability-only policy won’t cover any expenses for repairing your car or any medical bills you may have from the accident — it only protects the other parties.

On average, New Hampshire drivers pay $55 for liability coverage. The following table shows the cheapest liability car insurance quotes for Rochester drivers.

Insurance CompanyAverage Monthly Quote
Safeco$31
Liberty Mutual$39
Bristol West$77
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Rochester

Full-coverage car insurance offers more protection than liability coverage. Liability insurance covers the other driver, their passengers, and their car, while full coverage also protects you, your passengers, and your vehicle. While New Hampshire law doesn’t mandate you carry full coverage, if you’re financing or leasing your vehicle, your lender may require it.

Full-coverage car insurance is made up of three core coverages: liability, collision, and comprehensive. Collision coverage pays for damage to your vehicle caused by collisions with other cars or objects. Comprehensive insurance pays for damage to your car caused by non-collision events, like theft, vandalism, and weather.[1]

In New Hampshire, the average cost of full coverage is $126 per month. Here’s a look at the average price Rochester drivers can expect to pay for full-coverage car insurance.

Insurance CompanyAverage Monthly Quote
Safeco$62
Liberty Mutual$67
Bristol West$146
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in New Hampshire

New Hampshire is the only state that doesn’t require car insurance coverage. However, drivers must be able to show proof of financial responsibility — you may lose your driving privileges if you can’t. New Hampshire is an at-fault state, meaning that a driver who causes an accident is responsible for the other driver’s damages and injuries.[2]

If you decide to purchase car insurance in New Hampshire, the minimum amounts you can buy are $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 for property damage liability. You also need uninsured motorist coverage at the same limits and medical payments coverage of $1,000.

Even though you don’t need to carry car insurance, it’s a smart financial decision to buy it anyway, especially if you drive a lot. Vehicle repairs can add up quickly — car insurance can be a good way to protect your finances if you can’t afford to pay for expensive repairs out of pocket. And if you cause an accident without liability insurance, you could be on the hook for all the vehicle repair costs and medical bills of the other driver.

These are some coverages Rochester drivers should consider carrying:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for damages caused by collisions with other vehicles or stationary objects, like telephone poles or trees.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damage from non-collision incidents, like fire, severe weather, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage protects you if you’re hit by an underinsured or uninsured driver, saving you from large repair bills.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage pays for vehicle towing to an auto repair shop if it’s disabled due to an accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    Rental reimbursement coverage pays for the cost of a rental car you use while your personal vehicle is in the body shop.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for medical bills incurred by you or your passengers in a covered accident.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    Personal injury protection covers medical expenses regardless of who’s at fault.

Cheapest car insurance for drivers with an incident

Speeding tickets, at-fault accidents, driving under the influence, and other moving violations can cause your insurance company to increase your rates. Drivers with violations on their driving record are at higher risk of filing claims, so insurers adjust their rates accordingly.

However, you can still find affordable car insurance with blemishes on your record. Many insurers offer accident forgiveness and other discounts that allow you to keep your premiums low. If your insurer raises your rates dramatically after an incident, compare quotes from other insurers to see if you can find lower rates.

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Cheapest car insurance for drivers with a speeding ticket

Getting a speeding ticket may cause some insurance companies to increase your rates. If you happen to receive two or more speeding tickets within three years, chances are high that your insurer will increase your rates. The severity of your rate increase depends on whether you have any previous blemishes on your record and how much over the speed limit you were going.

On average, New Hampshire drivers with a speeding ticket pay $222 per month for full-coverage car insurance. The following table shows the cheapest car insurance companies for drivers with speeding tickets in Rochester.

Insurance CompanyAverage Monthly Quote: Liability Only
Safeco$42
Liberty Mutual$52
Bristol West$104
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

Rochester residents who cause an accident will find that their auto insurance rates most likely go up. However, some insurance companies offer accident-forgiveness coverage that prevents rate increases for certain types of accidents or after a specific period of accident-free coverage.

An at-fault accident pushes the average full-coverage car insurance rate to $175 in New Hampshire. Here’s a look at the cheapest companies for drivers with an at-fault accident in Rochester.

Insurance CompanyAverage Monthly Quote: Liability Only
Safeco$44
Liberty Mutual$55
Bristol West$110
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Driving under the influence (DUI) will always negatively affect your car insurance. Your rates will likely skyrocket, and your insurer may even refuse to provide coverage. In New Hampshire, first-time DUI offenders will face a fine of $500 to $1,200 and lose their licenses for at least nine months. You must also carry an SR-22 certificate for three years after your conviction.

With a DUI, the average cost of full coverage in New Hampshire jumps to $214 per month. The table below shows the cheapest car insurance companies in Rochester for drivers with DUIs.

Insurance CompanyAverage Monthly Quote: Liability Only
Safeco$48
Liberty Mutual$60
Bristol West$120
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: Find the Cheapest Car Insurance After a DUI

Learn More: Find the Cheapest Car Insurance After a DUI

Cheapest car insurance for seniors

Generally, you’ll see your car insurance rates decrease as you get older, provided you have a clean driving record. However, you’ll likely see an increase in your car insurance rates once you turn 75.

Older drivers are more likely to be involved in accidents compared to younger adults, according to the Insurance Institute for Highway Safety (IIHS).[3] Moreover, if a senior driver does get into an accident, their injuries are typically more severe, leading to higher medical bills and increased costs for the insurance company.[4]

New Hampshire seniors have an overall average car insurance rate of $62 per month. Here’s a look at car insurance quotes for senior drivers in Rochester.

Insurance CompanyAverage Monthly Quote: Liability Only
Safeco$22
Liberty Mutual$27
Bristol West$54
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teen drivers get into crashes almost four times as often as other drivers per mile driven, according to the IIHS. This is due to several factors, such as reckless driving, driving while distracted, and having limited experience handling road hazards. Another significant factor is alcohol, which contributes to many accidents involving teenagers.[5]

Young drivers can reduce their insurance premiums by taking advantage of discounts. For instance, you can remain on a parent’s insurance policy, drive a safe car, leave your car at home if you go away to school, and earn good grades to qualify for good student discounts. Additionally, many insurers reward good driving habits and accident-free records with discounts.

Car insurance for teenagers costs a monthly average of $99 for liability-only coverage and $227 for full coverage. The following table will give you an idea of what teenage drivers can expect to pay for car insurance in Rochester.

Insurance CompanyAverage Monthly Quote: Liability Only
Safeco$57
Liberty Mutual$71
Bristol West$143
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Rochester

Car insurance can be expensive, but you have plenty of ways to lower your rates:

  • Add multiple cars or family members to your policy and ask your local agent for a multi-driver or multi-car discount.

  • Bundle your auto insurance with home insurance or renters insurance and ask for multi-policy discounts.

  • Maintain a clean driving record.

  • Review your deductibles and coverage limits with a licensed representative from your agent’s office. Higher deductibles and lower limits will reduce your premium. Just be sure you can afford to pay out of pocket in case of an accident.

  • Choose a vehicle with safety features and anti-theft devices.

  • Compare quotes from multiple insurance companies before buying a policy.

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Rochester car insurance quotes by credit tier

In New Hampshire, it’s legal for insurance companies to consider your credit score when determining your car insurance premiums.[2] Drivers with excellent or good credit scores typically pay significantly less than drivers with poor credit scores.

Here’s a look at how credit can affect car insurance costs in Rochester.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Rochester?

Car insurance costs are generally cheaper in Rochester than in other cities in New Hampshire, including Manchester and Nashua, as it’s more rural and has less traffic. Rochester car insurance costs an average of $46 per month, compared to New Hampshire’s average monthly rate of $90.

More cities in New Hampshire

Here’s a look at how Rochester’s full-coverage car insurance costs compare to those in other New Hampshire cities.

CityAverage Monthly QuoteCompared to Rochester
Manchester$8232%
Nashua$10976%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Rochester car insurance FAQs

The answers below should help answer your remaining questions about finding cheap car insurance in Rochester.

  • How much is car insurance in Rochester?

    Rochester drivers pay $46 per month for auto coverage, on average. Car insurance in the city costs $30 per month for liability coverage and $62 for full-coverage insurance. Your specific premium will depend on your driving record, age, coverage level, and more.

  • What are the best car insurance companies in Rochester?

    With an Insurify Quality (IQ) Score of 3.7 out of 5, an AM Best financial strength rating of A (Excellent), and customizable coverage options, Liberty Mutual is the best car insurance company in Rochester. Other top insurers include Safeco and Bristol West.

  • Do you legally need car insurance in New Hampshire?

    No. New Hampshire doesn’t require car insurance. However, drivers must be able to show proof of financial responsibility or risk losing their driving privileges.

  • Does New Hampshire have no-fault insurance?

    No. New Hampshire uses an at-fault system for car insurance, meaning the driver responsible for an accident must turn to their own insurance company or pay for the damages out of pocket.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "What is auto insurance?." Accessed August 29, 2023
  2. New Hampshire Insurance Department. "2022 Automobile Insurance Consumer Frequently Asked Questions." Accessed August 29, 2023
  3. Insurance Institute for Highway Safety. "Older Drivers." Accessed August 29, 2023
  4. Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed August 29, 2023
  5. Insurance Institute for Highway Safety. "Teenagers." Accessed August 29, 2023
Bob Phillips
Bob Phillips


Having spent more than 15 years helping people plan their lives financially, Bob
mastered many different financial products to help people achieve their financial
goals, including life insurance, disability insurance, mutual funds, and stocks and
bonds. He earned the Chartered Life Underwriter (CLU) designation and held
numerous securities licenses. Bob is an internationally published poet and is now
a freelance writer living in North Texas with his wife and Doberman puppy.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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Compare Car Insurance Quotes Instantly

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