Rochester, NH Auto Insurance | Cheap Car Insurance in Rochester, NH

Some providers offer Rochester, NH auto insurance around $33 monthly. Getting cheap car insurance in Rochester, NH will depend on factors like your age, driving history, and credit score. As one of the best Rochester, NH auto insurance companies, State Farm provides monthly rates of $29.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Drivers may want to get minimum liability coverage (25/50/25) for New Hampshire auto insurance. Drivers who need cheap car insurance in Rochester, NH can find affordable premiums. Liberty Mutual, Amica, Nationwide, Allstate and State Farm are included among the best Rochester, NH car insurance companies. State Farm provides the lowest Rochester, NH auto insurance ($29 monthly).

In its early days, Rochester was well known for its lumber and textile industries. Although the Great Depression sent some of these industries either out of town or into bankruptcy, the architecture left behind by these once affluent businesses continues to be a bright spot of Rochester. The town is also home to the state’s famous annual Rochester Fair.

Fun fact: did you know that Rochester has been called home by two professional athletes and seven politicians?

Are you looking for cheap auto insurance in Rochester, NH? At AutoInsuranceEZ.com, you could find the cheapest insurance policy close to you. To get free Rochester, NH auto insurance quotes from the best providers right away, enter your ZIP code within the quote box here on this page.

Rochester, NH Driving Facts

The auto insurance coverage requirements in New Hampshire are:

Coverage Requirements Most Common
Bodily Injury Liability Not required (25,000/50,000 if purchased) 100,000/300,000
Property Damage Liability Not required (25,000 if purchased) 50,000
Uninsured Motorist Bodily Injury Not required (25,000 if purchased) 10,000/20,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Auto insurance is done a little differently in New Hampshire. Technically, you don't have to purchase any sort of vehicle insurance in order to legally drive in the state. However, you do have to prove that you can pay for all of the damages if you are found responsible for causing an accident. But the process of proving so is so complicated that most drivers just purchase an insurance policy.

Did you know that most New Hampshire drivers are paying around $82 each month to maintain their policy? As low as this rate may sound, you can do even better if you are shopping for car insurance in Rochester, NH. Some providers in your area are offering deals as low as $33/mo*!

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Cheap Auto Insurance Rates Near Me

Average Monthly Auto Insurance PremiumsLegend: Rochester Liberty Mutual Amica Nationwide Allstate State Farm 5101520253035$32$34$36$37$29

 

State Farm and Liberty Mutual all want to give you the lowest Rochester, NH auto insurance rates. But don't rush to the company offering the lowest monthly premium without looking into them first. You want to make sure you're getting good customer service in addition to a low monthly bill.

Rochester, NH auto insurance companies consider numerous elements when calculating quotes, among them marital status, ZIP code, credit score/rating, miles driven each year, and current insurance coverage and limits. Also, premiums differ from business to business. To verify you are still being charged the cheapest fee, look at cheap New Hampshire auto insurance prices over the internet.

Major Factors in Cheap Car Insurance in Rochester, New Hampshire

There are lots of ways that the cheapest car insurance in Rochester, NH can be calculated. But not all of it is out of your control; there are actions you can take to be able to control which discounts you are eligible to get. Listed here are a few of these components in greater detail:

Your ZIP Code

Your car insurance rates could vary depending on the spot where you live. Generally, populous areas have increased car insurance rates as the extra number of car owners on the road raises the likelihood of a collision! The total population of Rochester amounts to 29,745 plus the normal family earnings are $50,558.

Auto Insurance by ZIP CodeLegend: Concord Rochester Nashua Manchester Derry Liberty Mutual Amica Nationwide Allstate State Farm 51015202530354045$28$32$35$42$33$30$34$34$41$34$34$36$38$42$40$38$37$41$42$45$25$29$29$35$32

 

Automotive Accidents

As you can see from the chart above, serious accidents are quite rare in Rochester. This is good news, for other than the obvious reasons. When accident statistics are low in a particular ZIP code, insurance companies usually offer residents lower rates on their policies.

Fatal Accidents in Rochester, NHLegend: Rochester Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 1111

 

Auto Thefts in Rochester

Obtaining inexpensive auto insurance can be hard if you’re vulnerable to auto theft. Certain common vehicle models tend to be alluring to thieves, and also cars or trucks which might be left frequently in large urban centers. The full quantity of stolen cars in Rochester was 25 as recently as 2011. This is still very low, both in total and per capita. This means that Rochester drivers don't have to worry about spending so much money on their Comprehensive coverage, which is the only type of coverage which pays out on auto theft claims.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Liberty Mutual Amica Nationwide Allstate State Farm 102030405060708090100110120$32$120$34$99$36$69$37$109$29$74

 

Average Annual Vehicle Insurance by Credit Score

In Rochester, there are some automotive insurance providers who won't charge you too much of a higher premium for having poor credit. But the more you track your spending habits, pay bills on time, and reduce your outstanding credit balances, the more you can save by raising your score.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Liberty Mutual Amica Nationwide Allstate State Farm 5101520253035404550556065$24$58$27$66$33$47$33$45$24$54

 

Car Insurance Quotes by Age of Driver in Rochester, NH

Unfortunately, a young driver's lack of driving experience will make it much more difficult to get affordable Rochester, NH auto insurance. You can try to alleviate the burden by applying for special discounts, like Good Student discounts or Driver's Ed discounts.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Liberty Mutual Amica Nationwide Allstate State Farm 20406080100120140160180200$32$134$34$170$36$206$37$91$29$117

 

Your Driving Record

Most drivers aren't perfect. And yet minor citations, like low-level speeding tickets or minor accidents, can send your insurance rates through the roof. Some providers however are offering motorists a break in the form of an "Accident Forgiveness" discount. Contact your local agent to see if your qualify.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Amica Nationwide Allstate State Farm 102030405060708090100110$32$33Do Not Sell$54$34$46$116$40$36$49$84$65$37$39$42$46$29$29$71$39

 

Your Vehicle

The more expensive it gets to repair or replace your vehicle, the more expensive your insurance will be each month. It's either that, or you take on 100% of the financial burden for yourself to replace or repair your vehicle if it gets stolen or damaged.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Amica Nationwide Allstate State Farm 153045607590105120135150$32$127$34$105$36$67$37$155$29$92

 

Minor Factors in Cheap Auto Insurance in Rochester, New Hampshire

These factors may also help you alter what you pay for your monthly premium:

Your Marital Status

Married couples have a great chance to save on multiple insurance policies. This is because, in addition to bundling your vehicle insurance policies into one, you can add other policies for greater discounts - as long as your provider offers multiple policies, that is.

Your Gender

There are very few companies that still charge different rates for men and women, all other circumstances being equal. Those who do rarely ever charge more than a 2-4% difference. Also, whether that higher rate is applied to males or females will change from one company to another.

Your Driving Distance to Work

If you live and work in Rochester, you can look forward to an average commute time of 22-28 minutes, although some commutes may be a little longer (anywhere from 30 minutes and above). Around 89% of drivers will take their own vehicle when they head to the office, as opposed to the 8-14% of residents who carpool.

Car insurance Rochester, New Hampshire agents will likely ask you about how many miles you drive yearly, and why you drive (whether it's for school, work, or leisure). Most people believe that altering these factors by driving less might earn them lower premiums. However, even a drastic cut of 5,000 miles each year won't save you more than 4-5%.

Your Coverage and Deductibles

Raising your deductible is one quick and easy way to lower your monthly premium. But if you're going to take advantage of this option, make sure to save up a little money to pay that deductible on a rainy day. IF you raise it too high and you can't afford to pay it in the event your car is damaged or stolen, then it might be a while before you can get your vehicle repaired or replaced.

Education in Rochester, NH

More than 38% of the people living in Rochester have completed their high school education. Additionally, around 17% have not yet completed all four years of high school. But did you know that those motorists who have pursued advanced degrees often get lower rates on their auto insurance premiums? It’s true! It's also an even better way to get discounts than getting yourself a fancy job, or making sure you are paid a nice salary.

There are a few choices available for Rochester residents who want to further their education. The Creteau Vocational Center is available for those looking for a good junior college or an associate’s degree. There is also Granite State College, a public institution which is part of the University System of New Hampshire. They offer bachelor’s and graduate-level degrees.

Discovering your individual financial risk can be very challenging or impossible for the typical insurance client. Insurance companies have got an advantage over customers because of their data and experiential understanding. Now that you know how to save on car insurance in Rochester, find out what insurance companies don’t really want most people to discover.

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How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average car insurance cost was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

New Hampshire Insurance Department

New Hampshire Banking Department

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

You can get the best car insurance in Rochester, NH merely by entering your local info into the calculator below.

Free Auto Insurance Comparison

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