Cheap Auto Insurance Quotes in Rochester, NH (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Rochester’s population of 32,000 has risen six percent over the last 10 years. This increase means more drivers are on the road daily—finding their way through traffic to jobs, appointments, shopping, and family fun. With that many people on the road, accidents are bound to happen. Making sure you have a solid car insurance plan in place can protect you and your family while driving in New Hampshire.

While watching out for other drivers is a top priority while on the road, drivers in this state know all too well that crashes don’t always have to involve another person. In fact, in 2018, over 59 percent of all crashes in New Hampshire were single-vehicle crashes. Having the kind of auto insurance that can protect you no matter what kind of accident you are in is important.

Car Insurance in Rochester, NH

The average cost of New Hampshire car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Rochester, NH to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Rochester, NH

Here are the cheapest carriers in Rochester for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

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Rochester, NH Driving Facts

Minimum Car Insurance Requirements in NH

In the state of New Hampshire, car insurance is not mandatory. The state requires drivers to pay for any injury or property damage arising from their vehicles. To avoid legal repercussions of an unexpected accident, it is recommended that New Hampshire drivers purchase insurance just in case.

New Hampshire's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $25,000 uninsured/underinsured motorist property damage coverage
  • $1,000 medical payments coverage
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Rochester, NH DMV Information

In New Hampshire, the number of DMVs you have to choose from is plentiful. Though you can go to any location, you’ll most likely want to stay close to home. The closest DMV locations to Rochester include offices in Epping, Concord, Manchester, Tamworth, Salem, and Nashua. Not interested in driving that far or standing in line? Most DMV driver’s services are now online for fast, easy access. As far as registration renewals are concerned, you’ll need to pay town fees first before paying state fees at the DMV. Most towns also act as municipal agents for the state and can complete the state portion of your registration for a small fee. You can do this In Rochester at the Revenue Building at 19 Wakefield St. For hours and additional information, call 1 (603) 332-1136.

Public Transportation in Rochester, NH

Rochester is a comparatively small town, but it makes sure to meet its residents’ public transportation needs. COAST is the name of the public transportation services available to Rochester residents. It includes three regional bus routes connecting Rochester, Somersworth, Dover, and Portsmouth and 10 local bus routes operating within or between each community. The cost for riding COAST depends on what you prefer to pay. It’s a $1.50 cash fare, $20 for a 15-ride punch ticket, and $52 for a monthly pass. Other public transportation options in Rochester include a paratransit door-to-door service, a route-specific on-demand option, senior transportation, a parking shuttle, and a vintage Christmas trolley (operated in December and free to ride).

Conclusion: How to get the best and cheapest car insurance in Rochester, NH

Accidents cost drivers a lot in New Hampshire. Not only do accident death rates rise year over year, but car insurance claims amounting to millions of dollars translate to higher insurance rates statewide. These financial increases can leave policyholders wondering what they can do to reduce their insurance rates right now.

Rather than make phone call after phone call to individual auto insurers, New Hampshire drivers can use Insurify to compare dozens of car insurance quotes in seconds. Insurify’s AI-driven comparison engine gets to know who you are first by asking a series of simple questions regarding your vehicle and your driving habits. Getting to know you this way enables Insurify to return you the best coverage and rates at a price you can afford.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Rochester stacks up for the state of New Hampshire:

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Toyota Camry
Most Popular Car in
Rochester, NH
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Cities with Most
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FAQs - Rochester, NH Car Insurance

Should I get a copy of my driving record in New Hampshire?

Your driving record includes all your driving history, including suspensions, convictions, violations, and crash involvement. It’s what auto insurance companies use (together with other data) to set your insurance rates. Checking your driving record for errors (and to make sure you haven’t made any mistakes) is a good way to be sure you are getting the fairest rates. In New Hampshire, there are two types of records: an insurance copy (which shows only violations and crash involvement) and a certified copy (which shows more detailed information). You can get your driving record by completing the New Hampshire Motor Vehicle Record Release Form. It costs $15.

Can I reduce the number of points on my New Hampshire driving record?

You can reduce the number of points on your driving record in New Hampshire by taking an approved safe driver course. These “demerit” points are part of what auto insurance companies look at when setting rates, so getting them reduced is a good thing. You can have three points taken off your record for taking a course, but the points will remain on the report. Different insurance companies look at these points differently, so it’s good to shop around.

How much auto insurance coverage should I buy in New Hampshire?

There are two parts to answering this question. First, New Hampshire does not require that drivers purchase car insurance. If you do choose to insure your car (we recommend you do!), the minimum amounts available in New Hampshire are 25/50/25, or $25,000 per person for bodily injury, up to $50,000 if two or more persons are hurt, and up to $25,000 for property damage. New Hampshire also requires that you buy $1,000 in medical payments insurance, or MedPay, if you purchase auto coverage. This coverage pays for medical expenses that result from an accident regardless of fault. Second, you’ll need to decide how much insurance (on top of the minimum required) you can afford. For example, liability coverage doesn’t cover damage to your vehicle. Therefore, you’ll want to consider collision and comprehensive coverage to take care of these damages should you be in an accident.