Average car insurance cost in Rochester, NH

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Based on an analysis by Insure.com, the typical car insurance expense in Rochester, New Hampshire is $1,239 annually. Furthermore, car insurance premiums in Rochester are $26 less than compared to the state average in New Hampshire and $656 less than the national average.

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in Rochester, the average car insurance rates by age and gender, and the costs in Rochester based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Rochester. Keep reading to learn more.

Cheap car insurance companies in Rochester

Auto-Owners offers the most affordable car insurance in Rochester for coverage limits of 100/300/100 at $783 per year.

The MMG Insurance comes close second offering car insurance at $979 per year.

As mentioned previously, car insurance quotes differ amongst companies due to the factors they consider when determining rates. Hence, it’s advisable to obtain quotes from multiple insurers to find affordable car insurance rates in Rochester that align with your needs before finalizing your insurance carrier.

Here are the average annual and monthly costs for the various car insurance companies providing coverage in Rochester, New Hampshire:

Read about the best car insurance companies.

Average car insurance cost in Rochester by coverage limits

In Rochester, the average car insurance rates the coverage levels are as follows:

• State minimum coverage: $418 per year (limits are 25/50/25)
• Liability only coverage: $437 per year (limits are 50/100/50)
• Full coverage: $1,239 per year (limits are 100/300/100)
• Non-owners coverage: $345 per year

In most states, drivers are required to have state minimum coverage to drive legally, although these requirements vary by state. However, it’s important to note that state minimum coverage does not provide coverage for any vehicles listed on your policy in the event of an at-fault accident.

To prevent compromising on coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage if you frequently borrow or rent a car but do not own one.

Average car insurance rates by gender in Rochester

The average car insurance per year for female drivers in Rochester, New Hampshire, is $1,230.

Whereas the yearly average car insurance rate for male drivers is $1,248, which is $18 more than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Rochester

In Rochester, teenagers have the highest car insurance rates, at $4,075 per year or $340 per month. This higher rate is attributed to the increased risk of road accidents among teenagers (aged 16 to 19) due to their limited experience on the road, according to the Insurance Information Institute.

However, there are driving laws for teens to improve their driving habits. Additionally, the cost of teen insurance can be reduced by adding them to a parent’s auto insurance policy. As teens mature and establish a positive driving history, their car insurance rates are likely to decrease.

Young adults, pay an average of $2,075 annually for car insurance, which is $2,000 less than what the teens pay for their insurance policy.

Meanwhile, adult, and senior drivers in Rochester have car insurance rates of $1,262 and $1,292 per year, respectively. The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below shows the average annual rates for drivers of different age groups:

Car insurance rate trends in Rochester

If we look at the car insurance rates trends in Rochester, New Hampshire, it was on an downward swing from 2022 to 2023. From 2022 to 2023, the rates decrease overall by 4%, or $53.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Rochester, are lower than the average insurance cost in New Hampshire. Shopping around and taking advantage of available discounts, drivers in Rochester can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.