Cheap Auto Insurance Quotes in Rochester, NH (January 2022)

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Last Updated: January 2022

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.
GEICOProgressiveTravelersAmerican FamilyState Farm

Cheapest Car Insurance in Rochester, NH

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

New HampshireManchesterNashuaConcordDoverRochester
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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

Rochester Car Insurance Rates by Driver Age

Teenagers might need a little help from mom and dad to afford a $454 car insurance payment. New Hampshirites can expect their premium prices to go down as they add years of experience behind the wheel. For this reason, twentysomethings lock in a $300 price cut from what teen drivers pay. From that point, all age groups spend less than the state average of $134. Those in their 40s snag one of the best rates in the country, at $71 per month, which is less than one-sixth of what the youngest drivers shell out monthly.

Driving History
No Violation$111
Speeding Ticket$126
At-Fault Accident$140
Failure to Stop for Red Light / Stop SignN/A

Rochester Car Insurance Rates by Driving and Accident History

In the Granite State, safe drivers expect to win on and off the road. They get the peace of mind that defensive driving grants, and insurance companies reward them with “good driver” and “accident-free” discounts. But all it takes is one missed alarm to result in a speeding ticket, and the driver will pay an added $15 per month, or $180 per year. Worse still, an at-fault accident pumps the price up to $139, a $29 difference. Luckily, after three years of careful driving, tickets and accidents stop affecting car insurance rates.

Rochester Car Insurance Rates by Credit Tier

Does credit score make a person a better or worse driver? Like most states, New Hampshire seems to think so and allows insurance companies to use credit when deciding rates. Typically, those with the best credit pay the least. Why would drivers with poor credit pay less than those with average credit? And likewise for those with good credit versus excellent credit? People with better credit might finance costlier cars and get more coverage to secure their assets. Even so, moving from average to good credit will save over $75 per month, or $900 per year.

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).

Find local Rochester agents

Bernier Insurance Inc 
32 Wakefield Street, Rochester, NH 03867-1954
Jenness & Jenness Agency Inc 
571 Pickering Rd, Rochester, NH 03867
United Insurance Rochester 
120 Washington St., Suite 201, Rochester, NH 03839
Gary Branyen Ins. Agency 
12 Milton Road, Rochester, NH 03868
LaChapelle Higgins Insurance, Inc 
12 Charles Street, Rochester, NH 03867-2906
United Ins-Rochester 
120 Washington St. Suite 201, Rochester, NH 03839-5535
Scott Sherman: Allstate Insurance
68 S Main St Unit 103, Rochester, NH 03867
Bernier Insurance
124 S Main St, Rochester, NH 03867
Kevin Ryan - State Farm Insurance Agent
197 Columbus Ave Ste 106, Rochester, NH 03867
Michael Testa - State Farm Insurance Agent
115 Farmington Rd # 3, Rochester, NH 03867

Insurify Insights: How Rochester Drivers Measure Up

Honda Civic
Most Popular Car in
Rochester, NH
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Rochester drivers measure up to their fellow New Hampshire motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle in Rochester

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Rochester is the Honda Civic.

DUI/DWIs in Rochester

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Rochester drivers rank -- in the number of DUI’s per driver across all cities in New Hampshire.

  • Rank within state: #--
  • Percent of drivers in Rochester with a DUI: {{percentDrivers}}%
  • Drivers in Rochester, NH with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Rochester

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Hampshire, Rochester drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Rochester with a speeding ticket: {{percentDrivers}}%
  • Drivers in Rochester, NH with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record

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.

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.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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