Best Cheap Auto Insurance in Rochester, New Hampshire (2025)

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.

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

Best insurer for discounts: Liberty Mutual

Best insurer for high-risk drivers: Bristol West

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.

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 $93 per month. Here’s a look at the average price Rochester drivers can expect to pay for full-coverage car insurance.

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:

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.

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 $125 per month for full-coverage car insurance. The following table shows the cheapest car insurance companies for drivers with speeding tickets in Rochester.

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 $132 in New Hampshire. Here’s a look at the cheapest companies for drivers with an at-fault accident in Rochester.

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 $133 per month. The table below shows the cheapest car insurance companies in Rochester for drivers with DUIs.

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 $72 per month. Here’s a look at car insurance quotes for senior drivers in Rochester.

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 $167 for full coverage. The following table will give you an idea of what teenage drivers can expect to pay for car insurance in Rochester.

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.

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.

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 $74.

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.