Car Insurance in Rochester, NH – Cheapest Autos (2025) + Averages

How much is car insurance in Rochester, NH? We compare average rates plus find the cost to insure over 150 models to find the vehicles with cheapest car insurance quotes.

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How much does car insurance cost in Rochester, NH?

Average car insurance cost in Rochester is $1,858 per year, which is 17.8% less than the U.S. overall average rate of $2,221. The average monthly cost of car insurance in Rochester is $155 for a policy that provides full coverage.

Average car insurance cost in New Hampshire is $1,898 per year, so Rochester, NH, drivers pay an average of $40 less per year than the overall New Hampshire state-wide average rate. The average cost to insure a vehicle in Rochester compared to other New Hampshire locations is approximately $90 per year cheaper than in Nashua, $188 per year less than in Manchester, and $32 per year more than in Concord.

Driver age influences the price of car insurance. The list below details how driver age influences cost by showing average car insurance rates for young, middle-age, and senior drivers.

Average cost of car insurance in Rochester, New Hampshire, for drivers age 16 to 60

  • 16-year-old driver – $6,622 per year or $552 per month
  • 17-year-old driver – $6,413 per year or $534 per month
  • 18-year-old driver – $5,748 per year or $479 per month
  • 19-year-old driver – $5,234 per year or $436 per month
  • 20-year-old driver – $3,742 per year or $312 per month
  • 30-year-old driver – $1,984 per year or $165 per month
  • 40-year-old driver – $1,858 per year or $155 per month
  • 50-year-old driver – $1,648 per year or $137 per month
  • 60-year-old driver – $1,546 per year or $129 per month

The chart below summarizes auto insurance cost in Rochester for different common policy situations. Rates are averaged for all Rochester Zip Codes and shown based on a range of driver ages, policy deductibles, and risk profiles.

Average car insurance rates in Rochester for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Rochester for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Rochester includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Rochester, NH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,276$356
Safe Driver Age 20$3,742$312
At-fault Accidents Age 40$2,632$219
Low Deductibles Age 40$2,432$203
Safe Driver Age 30$1,984$165
Safe Driver Age 40$1,858$155
Safe Driver Age 50$1,648$137
High Deductibles Age 40$1,564$130
Safe Driver Age 60$1,546$129
Discount Rate Age 40$1,544$129

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

The average cost of auto insurance per month in Rochester is $155, and ranges from $129 to $356 for drivers age 20 to 60 with the assigned risk profiles in the chart above.

Auto insurance rates are priced differently for everyone and are impacted by many different factors. Since there can be such a large difference in rates, it emphasizes the need to get multiple car insurance quotes when searching online for the cheapest car insurance in Rochester.

The auto insurance rates mentioned up to this point are averaged for all 2024 vehicle models, which is handy for making general comparisons such as the cost difference between two locations.

Average car insurance rates work exceptionally well for getting the answer to questions like “is auto insurance in Rochester cheaper than Dover?” or “are auto insurance rates in New Hampshire cheaper than in Texas?”.

For more useful car insurance cost comparisons, however, we will get better data if we instead use rates for the specific vehicle being insured. Each vehicle model has it’s own unique characteristics for determining car insurance prices and this data allows for more detailed cost comparisons.

This next list details both annual and monthly average auto insurance rates in Rochester for popular cars, trucks, and SUVs. Towards the end of this article, there is a section that explores additional factors that affect the cost of insuring a few of these models even more in-depth.

Average car insurance cost for popular models in Rochester

What are the cheapest vehicles to insure in Rochester, NH?

From an overall standpoint, the vehicles with the cheapest car insurance rates in Rochester, NH, tend to be crossover SUVs like the Kia Soul, Chevrolet Trailblazer, and Hyundai Venue.

Average insurance quotes for those models cost $1,508 or less per year for a policy with full coverage.

Examples of other models that rank towards the top in our car insurance price comparison are the Honda CR-V, Honda HR-V, Nissan Murano, and Kia Niro. Average rates are a few dollars per month higher for those models than the crossovers and small SUVs at the top of the list, but they still have an average insurance cost of $135 or less per month.

The following table lists the top 40 models with the cheapest car insurance rates in Rochester, ordered by annual cost.

Top 40 Cheapest Car Insurance Rates in Rochester
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,374$115
2Chevrolet Trailblazer$1,398$117
3Kia Soul$1,454$121
4Nissan Kicks$1,464$122
5Honda Passport$1,482$124
6Buick Envision$1,490$124
7Toyota Corolla Cross$1,500$125
8Hyundai Venue$1,508$126
9Mazda CX-5$1,516$126
10Ford Bronco Sport$1,524$127
11Volkswagen Tiguan$1,540$128
12Acura RDX$1,554$130
13Nissan Murano$1,562$130
14Buick Encore$1,580$132
15Subaru Outback$1,584$132
16Honda CR-V$1,586$132
17Buick Envista$1,592$133
18Volkswagen Taos$1,594$133
19Kia Niro$1,600$133
20Toyota GR Corolla$1,616$135
21Subaru Ascent$1,618$135
22Honda HR-V$1,620$135
23Nissan Leaf$1,630$136
24Chevrolet Colorado$1,638$137
25Lexus NX 250$1,644$137
26Honda Civic$1,646$137
27Volkswagen Atlas$1,648$137
28Acura Integra$1,654$138
29Subaru Forester$1,654$138
30Volkswagen Atlas Cross Sport$1,656$138
31Kia Seltos$1,662$139
32GMC Terrain$1,664$139
33Nissan Rogue$1,672$139
34Hyundai Kona$1,674$140
35Mazda CX-30$1,678$140
36Cadillac XT4$1,680$140
37Ford Explorer$1,688$141
38Volkswagen ID4$1,688$141
39Toyota Highlander$1,690$141
40Ford Escape$1,698$142

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NH Zip Codes. Updated June 27, 2025

Top 40 cheapest vehicles to insure in Rochester, NH with the Subaru Crosstrek ranking first at $1,374 per year
Top 40 cheapest vehicles to insure in Rochester, NH with the Subaru Crosstrek ranking first at $1,374 per year

The table above that contains 40 of the cheapest vehicles to insure in Rochester is not the best way to show a comprehesive view of the cost of auto insurance. Considering we track over 700 makes and models of vehicles, a lot of models get left out.

Let’s dig deeper into the data and break out the most affordable vehicles in a more sensible format, by vehicle segment. The next six sections list the top 20 vehicles with the most affordable insurance rates in Rochester for each of the primary vehicle segments.

Cars with cheap auto insurance in Rochester

The cheapest 2-door and 4-door sedans and hatchbacks to insure in Rochester are the Toyota GR Corolla at $1,616 per year, the Nissan Leaf at $1,630 per year, and the Honda Civic at $1,646 per year.

Additional cars that have affordable average insurance rates include the Honda Accord, Chevrolet Malibu, Toyota Prius, and Kia K5, with average rates of $1,812 per year or less.

Some additional cars worth mentioning include the Nissan Versa, Volkswagen Arteon, Volkswagen Jetta, Kia Forte, and Hyundai Sonata, which average between $1,812 and $1,924 per year for full-coverage insurance.

On a monthly basis, full-coverage car insurance in Rochester on this segment can cost as low as $135 per month, depending on your location.

The rate comparison table below ranks the twenty cars with the most affordable insurance rates in Rochester, starting with the Toyota GR Corolla at $1,616 per year ($135 per month) and ending with the Mazda 3 at $1,924 per year ($160 per month).

Cheapest Insurance for Cars in Rochester, New Hampshire
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,616$135
Nissan LeafCompact$1,630$136
Honda CivicCompact$1,646$137
Nissan SentraCompact$1,706$142
Subaru ImprezaCompact$1,708$142
Toyota PriusCompact$1,738$145
Kia K5Midsize$1,792$149
Honda AccordMidsize$1,796$150
Chevrolet MalibuMidsize$1,806$151
Toyota CorollaCompact$1,812$151
Kia ForteCompact$1,818$152
Volkswagen ArteonMidsize$1,828$152
Nissan VersaCompact$1,832$153
Subaru LegacyMidsize$1,836$153
Hyundai Ioniq 6Midsize$1,852$154
Mitsubishi Mirage G4Compact$1,878$157
Toyota CrownMidsize$1,882$157
Volkswagen JettaCompact$1,882$157
Hyundai SonataMidsize$1,884$157
Mazda 3Compact$1,924$160

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NH Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Rochester, NH, with the Toyota GR Corolla ranking first at $1,616 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Rochester, NH, with the Toyota GR Corolla ranking first at $1,616 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in New Hampshire.

Cheapest SUVs to insure in Rochester, New Hampshire

Ranking highest for the cheapest Rochester car insurance rates in the non-luxury SUV segment are the Chevrolet Trailblazer, Kia Soul, Honda Passport, Nissan Kicks, and Subaru Crosstrek. Auto insurance rates for these vehicles average $124 or less per month.

Also ranking well in our comparison are models like the Toyota Corolla Cross, Mazda CX-5, Hyundai Venue, and Buick Envision, with an average cost of $1,524 per year or less.

Auto insurance rates in this segment can cost as low as $115 per month, depending on the company and where you live.

The lowest-cost compact SUV to insure in Rochester is the Subaru Crosstrek at $1,374 per year. For midsize SUVs, the Honda Passport has the best rates at $1,482 per year. And for large SUVs, the Chevrolet Tahoe is cheapest to insure at $1,746 per year.

The rate comparison table below ranks the twenty SUVs with the lowest-cost average auto insurance rates in Rochester.

Cheapest Insurance for SUVs in Rochester, New Hampshire
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,374$115
Chevrolet TrailblazerCompact$1,398$117
Kia SoulCompact$1,454$121
Nissan KicksCompact$1,464$122
Honda PassportMidsize$1,482$124
Buick EnvisionCompact$1,490$124
Toyota Corolla CrossCompact$1,500$125
Hyundai VenueCompact$1,508$126
Mazda CX-5Compact$1,516$126
Ford Bronco SportCompact$1,524$127
Volkswagen TiguanCompact$1,540$128
Nissan MuranoMidsize$1,562$130
Buick EncoreCompact$1,580$132
Subaru OutbackMidsize$1,584$132
Honda CR-VCompact$1,586$132
Buick EnvistaMidsize$1,592$133
Volkswagen TaosCompact$1,594$133
Kia NiroCompact$1,600$133
Subaru AscentMidsize$1,618$135
Honda HR-VCompact$1,620$135

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NH Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Rochester, NH, with the Subaru Crosstrek ranking first at $1,374 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Rochester, NH, with the Subaru Crosstrek ranking first at $1,374 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see your SUV in the table above? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Rochester car insurance quotes from the best companies in New Hampshire.

Cheapest luxury car insurance rates in Rochester

Out of all 2024 models, the top five most affordable luxury car models to insure in Rochester are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Insurance rates for these models range from $1,654 to $1,926 per year.

Some other luxury cars that rank well are the Lexus RC 300, Genesis G70, Cadillac CT4, and Lexus ES 350, with an average car insurance cost of $1,956 per year or less.

Some additional luxury cars that make the list include the Lexus ES 250, BMW 330e, Audi S3, and Jaguar XF, which average between $1,956 and $2,086 per year for full-coverage insurance.

Auto insurance rates in this segment for an average middle-age driver starts at around $138 per month, depending on where you live.

If ranked by vehicle size, the lowest-cost small luxury car to insure in Rochester is the Acura Integra at $1,654 per year, or $138 per month. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,914 per year, or $160 per month. And for full-size luxury car models, the Audi A5 is most affordable to insure at $2,208 per year, or $184 per month.

The comparison table below ranks the twenty cars with the lowest-cost insurance rates in Rochester, starting with the Acura Integra at $138 per month and ending with the Audi S3 at $174 per month.

Cheapest Insurance for Luxury Cars in Rochester, New Hampshire
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,654$138
BMW 330iCompact$1,894$158
Mercedes-Benz CLA250Midsize$1,914$160
Lexus IS 300Midsize$1,918$160
Acura TLXCompact$1,926$161
Lexus ES 350Midsize$1,942$162
Cadillac CT4Compact$1,944$162
Genesis G70Compact$1,948$162
Mercedes-Benz AMG CLA35Midsize$1,950$163
Lexus RC 300Midsize$1,956$163
Lexus IS 350Compact$1,964$164
Jaguar XFMidsize$1,968$164
Cadillac CT5Midsize$2,004$167
Lexus ES 250Midsize$2,012$168
Lexus RC 350Compact$2,018$168
BMW 330eCompact$2,020$168
BMW 228iCompact$2,022$169
BMW 230iCompact$2,038$170
Lexus ES 300hMidsize$2,040$170
Audi S3Compact$2,086$174

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NH Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Rochester, NH, with the Acura Integra ranking first at $1,654 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Rochester, NH, with the Acura Integra ranking first at $1,654 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see your luxury car in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Rochester car insurance quotes from top-rated car insurance companies in New Hampshire.

Cheapest luxury SUV insurance rates

The top-ranked vehicle in Rochester for the most affordable average insurance rates in the luxury SUV segment is the Acura RDX, coming in at $1,554 per year. Second place is the Lexus NX 250 at $1,644 per year, in third place is the Cadillac XT4, costing an average of $1,680 per year, and coming in fourth is the Jaguar E-Pace, at an average of $1,738 per year.

Additional models that have cheaper rates include the Lexus UX 250h, Lincoln Corsair, Mercedes-Benz GLB 250, and Lexus NX 350h, with an average cost to insure of $1,794 per year or less.

Additional 2024 models that make the list include the Infiniti QX60, Lexus RX 350, Cadillac XT6, Mercedes-Benz AMG GLB35, and Lexus NX 350, which cost between $1,794 and $1,866 per year for auto insurance in Rochester.

Full-coverage insurance in this segment starts at an average of $130 per month, depending on where you live.

The most budget-friendly compact luxury SUV to insure in Rochester is the Acura RDX at $1,554 per year. For midsize luxury SUVs, the Jaguar E-Pace is the cheapest model to insure at $1,738 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $2,086 per year.

The rate comparison table below ranks the luxury SUVs with the most affordable car insurance in Rochester, starting with the Acura RDX at $1,554 per year and ending with the Lexus RX 350 at $1,866 per year.

Cheapest Insurance for Luxury SUVs in Rochester, New Hampshire
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,554$130
Lexus NX 250Compact$1,644$137
Cadillac XT4Compact$1,680$140
Jaguar E-PaceMidsize$1,738$145
Cadillac XT5Midsize$1,756$146
Lexus NX 350hCompact$1,756$146
Lincoln CorsairCompact$1,778$148
Mercedes-Benz GLB 250Compact$1,780$148
Lexus UX 250hCompact$1,784$149
Lexus NX 450hCompact$1,794$150
Infiniti QX50Midsize$1,806$151
Mercedes-Benz GLA250Compact$1,814$151
Cadillac XT6Midsize$1,820$152
Mercedes-Benz GLA35 AMGCompact$1,820$152
Infiniti QX60Midsize$1,828$152
Mercedes-Benz AMG GLB35Midsize$1,834$153
Land Rover EvoqueCompact$1,856$155
Acura MDXMidsize$1,858$155
Lexus NX 350Compact$1,866$156
Lexus RX 350Midsize$1,866$156

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NH Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Rochester, NH, with the Acura RDX ranking first at $1,554 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Rochester, NH, with the Acura RDX ranking first at $1,554 per year.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Don’t see rates for your luxury SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Rochester car insurance quotes from top car insurance companies in New Hampshire.

Sports cars with cheap auto insurance rates

Out of all 2024 models, the top five most affordable sports cars to insure in Rochester are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Average rates for for these five cars range from $1,720 to $2,088 per year.

Not the cheapest sports cars to insure, but still very reasonable, are models like the Toyota GR Supra, BMW M2, Nissan Z, and Lexus RC F, with average rates of $2,224 per year or less.

Ranked in the bottom half of the top 20 cheapest sports cars to insure, models like the BMW M4, Porsche 718, Jaguar F-Type, BMW M3, Porsche Taycan, and Lexus LC 500 cost between $2,224 and $3,150 per year to insure in Rochester.

From a cost per month standpoint, car insurance rates in Rochester on this segment for an average middle-age driver starts at around $143 per month, depending on your location.

The comparison table below ranks the sports cars with the lowest-cost car insurance in Rochester, starting with the Mazda MX-5 Miata at $1,720 per year ($143 per month) and ending with the Porsche Taycan at $3,150 per year ($263 per month).

Cheapest Insurance for Sports Cars in Rochester, New Hampshire
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,720$143
Toyota GR86Sports Car$1,960$163
Ford MustangSports Car$2,044$170
BMW Z4Sports Car$2,054$171
Subaru WRXSports Car$2,088$174
Toyota GR SupraSports Car$2,090$174
BMW M2Sports Car$2,148$179
Nissan ZSports Car$2,154$180
Lexus RC FSports Car$2,198$183
Subaru BRZSports Car$2,224$185
BMW M3Sports Car$2,350$196
Porsche 718Sports Car$2,394$200
Chevrolet CamaroSports Car$2,418$202
Chevrolet CorvetteSports Car$2,576$215
Porsche 911Sports Car$2,664$222
BMW M4Sports Car$2,774$231
Lexus LC 500Sports Car$2,788$232
Jaguar F-TypeSports Car$2,932$244
Mercedes-Benz AMG GT53Sports Car$3,078$257
Porsche TaycanSports Car$3,150$263

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NH Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Rochester, NH, with the Mazda MX-5 Miata ranking first at $1,720 per year.
Ranking of the cheapest sports cars to insure in Rochester, NH, with the Mazda MX-5 Miata ranking first at $1,720 per year.

Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in New Hampshire.

Cheapest pickups to insure

The four most affordable pickups to insure in Rochester are the Chevrolet Colorado at $1,638 per year, Nissan Titan at $1,738 per year, Nissan Frontier at $1,760 per year, and Ford Ranger at $1,778 per year.

Also ranking well in our comparison are trucks like the GMC Canyon, GMC Sierra 2500 HD, Hyundai Santa Cruz, and Honda Ridgeline, with average rates of $1,914 per year or less.

As a cost per month, full-coverage auto insurance in this segment starts at an average of $137 per month, depending on where you live.

The rate comparison table below ranks the twenty pickups with the most affordable average insurance rates in Rochester, starting with the Chevrolet Colorado at $1,638 per year and ending with the Ram Truck at $2,148 per year.

Cheapest Insurance for Pickups in Rochester, New Hampshire
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,638$137
Nissan TitanFull-size$1,738$145
Nissan FrontierMidsize$1,760$147
Ford RangerMidsize$1,778$148
Ford MaverickMidsize$1,804$150
Honda RidgelineMidsize$1,844$154
Hyundai Santa CruzMidsize$1,876$156
Toyota TacomaMidsize$1,886$157
GMC Sierra 2500 HDHeavy Duty$1,890$158
GMC CanyonMidsize$1,914$160
Jeep GladiatorMidsize$1,960$163
GMC Sierra 3500Heavy Duty$1,970$164
Chevrolet Silverado HD 3500Heavy Duty$1,988$166
Chevrolet Silverado HD 2500Heavy Duty$2,040$170
GMC SierraFull-size$2,054$171
Chevrolet SilveradoFull-size$2,056$171
Nissan Titan XDHeavy Duty$2,056$171
Ford F150Full-size$2,080$173
GMC Hummer EV PickupFull-size$2,132$178
Ram TruckFull-size$2,148$179

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NH Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Rochester, NH, with the Chevrolet Colorado ranking first at $1,638 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Rochester, NH, with the Chevrolet Colorado ranking first at $1,638 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see rates for your pickup? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in New Hampshire.

Variability in Rochester auto insurance prices

To reinforce the concept of the extent to which the cost of the same car insurance policy can vary for different drivers (and also point out the importance of accurate rate quotes), the charts below contain comprehensive car insurance rates for five popular models in Rochester: the Ford F150, Honda Civic, Nissan Rogue, Kia Sorento, and Ford Mustang.

The example for each vehicle displays average rates for a range of driver profiles to illustrate how rates have significant variation when minor changes are made to the driver profile.

Ford F150 insurance rates

Car insurance for a Ford F150 in Rochester averages $2,080 per year, or around $173 per month, and has a range of $1,726 to $4,802 annually.

Average 2024 Ford F150 insurance premiums in Rochester for different driver ages and risk scenarios.
Figure 2: Average 2024 Ford F150 insurance premiums in Rochester for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Rochester includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Rochester, NH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,802$400
Safe Driver Age 20$4,204$350
At-fault Accidents Age 40$2,948$246
Low Deductibles Age 40$2,726$227
Safe Driver Age 30$2,220$185
Safe Driver Age 40$2,080$173
Safe Driver Age 50$1,844$154
High Deductibles Age 40$1,750$146
Discount Rate Age 40$1,726$144
Safe Driver Age 60$1,724$144

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 26, 2025

The Ford F150 belongs to the full-size truck segment, and additional similar models include the Chevrolet Silverado, GMC Sierra, and Nissan Titan.

Honda Civic insurance rates

Insurance for a Honda Civic in Rochester averages $1,646 per year (about $137 per month) and has a range of $1,370 to $3,736 per year for the driver examples in the chart below.

Average 2024 Honda Civic insurance premiums in Rochester for different driver ages and risk scenarios.
Figure 3: Average 2024 Honda Civic insurance premiums in Rochester for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Rochester includes all Zip Codes and vehicle trim levels.

2024 Honda Civic Insurance Cost in Rochester, NH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,736$311
Safe Driver Age 20$3,264$272
At-fault Accidents Age 40$2,308$192
Low Deductibles Age 40$2,158$180
Safe Driver Age 30$1,758$147
Safe Driver Age 40$1,646$137
Safe Driver Age 50$1,460$122
High Deductibles Age 40$1,382$115
Discount Rate Age 40$1,370$114
Safe Driver Age 60$1,364$114

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated June 27, 2025

The Honda Civic belongs to the compact car segment, and other models in the same segment include the Hyundai Elantra, Toyota Corolla, and Chevrolet Cruze.

Nissan Rogue insurance rates

In Rochester, Nissan Rogue insurance averages $1,672 per year (about $139 per month) and ranges from $1,388 to $3,818.

Average 2024 Nissan Rogue insurance premiums in Rochester for different driver ages and risk scenarios.
Figure 4: Average 2024 Nissan Rogue insurance premiums in Rochester for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Rochester includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Rochester, NH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,818$318
Safe Driver Age 20$3,332$278
At-fault Accidents Age 40$2,364$197
Low Deductibles Age 40$2,150$179
Safe Driver Age 30$1,776$148
Safe Driver Age 40$1,672$139
Safe Driver Age 50$1,486$124
High Deductibles Age 40$1,424$119
Safe Driver Age 60$1,390$116
Discount Rate Age 40$1,388$116

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 27, 2025

The Nissan Rogue is part of the compact SUV segment, and other models in the same segment include the Ford Escape, Subaru Forester, Chevrolet Equinox, and Honda CR-V.

Kia Sorento insurance rates

Kia Sorento insurance in Rochester averages $1,766 per year ($147 per month) and ranges from $1,468 to $4,050.

Average 2024 Kia Sorento insurance premiums in Rochester for different driver ages and risk scenarios.
Figure 5: Average 2024 Kia Sorento insurance premiums in Rochester for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Rochester includes all Zip Codes and vehicle trim levels.

2024 Kia Sorento Insurance Cost in Rochester, NH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,050$338
Safe Driver Age 20$3,546$296
At-fault Accidents Age 40$2,490$208
Low Deductibles Age 40$2,328$194
Safe Driver Age 30$1,884$157
Safe Driver Age 40$1,766$147
Safe Driver Age 50$1,562$130
High Deductibles Age 40$1,478$123
Discount Rate Age 40$1,468$122
Safe Driver Age 60$1,462$122

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 27, 2025

The Kia Sorento belongs to the midsize SUV segment, and other top-selling models from the same segment include the Toyota Highlander, Kia Telluride, Jeep Grand Cherokee, and Ford Edge.

Ford Mustang insurance rates

In Rochester, Ford Mustang insurance averages $2,044 per year, or about $170 per month, and ranges from $1,696 to $4,678 per year.

Average 2024 Ford Mustang insurance premiums in Rochester for different driver ages and risk scenarios.
Figure 6: Average 2024 Ford Mustang insurance premiums in Rochester for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Ford Mustang with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Mustang car insurance cost in Rochester includes all Zip Codes and vehicle trim levels.

2024 Ford Mustang Insurance Cost in Rochester, NH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,678$390
Safe Driver Age 20$4,084$340
At-fault Accidents Age 40$2,886$241
Low Deductibles Age 40$2,656$221
Safe Driver Age 30$2,176$181
Safe Driver Age 40$2,044$170
Safe Driver Age 50$1,812$151
High Deductibles Age 40$1,724$144
Discount Rate Age 40$1,696$141
Safe Driver Age 60$1,694$141

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford Mustang trim levels. Updated June 27, 2025

The Ford Mustang belongs to the sports car segment, and other models from that segment that are popular in Rochester include the Chevrolet Camaro, Nissan 370Z, and Chevrolet Corvette.

How to find cheaper car insurance

Financially savvy drivers should always be thinking of ways to reduce the monthly expense for auto insurance So take a minute to review the savings tips in this next list to see if you can save some money insuring your vehicle.

  • Buy vehicles that are cheaper to insure. The vehicle you choose to drive has a significant impact on the cost of car insurance in Rochester. For example, a Volkswagen Atlas costs $1,938 less per year to insure in Rochester than a Audi R8. Lower performance equals cheaper rates.
  • Citations and violations increase rates. To get cheap auto insurance in Rochester, it’s necessary to drive within the law. Not surprisingly, just one or two driving offenses have the potential to raise rates by up to $494 per year. Major misdemeanors like reckless driving could raise rates by an additional $1,728 or more.
  • Good credit can save money. Insureds with excellent credit scores of 800+ could save up to $292 per year compared to a decent credit rating of 670-739. Conversely, a credit score lower than 579 could cost up to $338 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Remain claim free and save. Auto insurance companies reduce rates a little if you do not file any claims. Car insurance should be used in the case of large financial hits, not for insignificant claims.
  • Consider buying higher deductibles. Raising your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.