- Average car insurance in Rochester costs $1,900 per year, or $158 per month for full coverage.
- Auto insurance rates for a few popular vehicles in Rochester include the Chevrolet Silverado at $175 per month, Toyota RAV4 at $146, and Ford Explorer at $144.
- Small crossovers like the Ford Bronco Sport, Hyundai Venue, and Chevrolet Trailblazer are the top picks for cheap car insurance in Rochester.
- Car insurance quotes in Rochester can vary from as low as $30 per month for the minimum required liability coverage to well over $725 per month for drivers needing high-risk coverage.
How much does car insurance cost in Rochester, NH?
Average car insurance cost in Rochester is $1,900 per year, which is 18% less than the U.S. overall average rate of $2,276. The average monthly cost of car insurance in Rochester is $158 for a policy that provides full coverage.
Average car insurance cost in New Hampshire is $1,944 per year, so Rochester, NH, drivers pay an average of $44 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 $92 per year cheaper than in Nashua, $192 per year less than in Manchester, and $28 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 – $6,776 per year or $565 per month
- 17-year-old driver – $6,565 per year or $547 per month
- 18-year-old driver – $5,883 per year or $490 per month
- 19-year-old driver – $5,358 per year or $447 per month
- 20-year-old driver – $3,828 per year or $319 per month
- 30-year-old driver – $2,032 per year or $169 per month
- 40-year-old driver – $1,900 per year or $158 per month
- 50-year-old driver – $1,688 per year or $141 per month
- 60-year-old driver – $1,580 per year or $132 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.
The average cost of auto insurance per month in Rochester is $158, and ranges from $132 to $365 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.
Popular models and the cost of insurance
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
- Chevrolet Silverado – $2,102 per year or $175 per month
- Toyota RAV4 – $1,756 per year or $146 per month
- Ford Explorer – $1,726 per year or $144 per month
- Chevrolet Equinox – $1,752 per year or $146 per month
- Subaru Outback – $1,622 per year or $135 per month
- Jeep Wrangler – $2,172 per year or $181 per month
- Hyundai Elantra – $2,068 per year or $172 per month
- Jeep Grand Cherokee – $1,904 per year or $159 per month
- Ford Escape – $1,736 per year or $145 per month
- Toyota Camry – $2,044 per year or $170 per month
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 $1,546 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 Subaru Outback, Toyota GR Corolla, 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 $138 or less per month.
The following table lists the top 40 models with the cheapest car insurance rates in Rochester, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,406 | $117 |
| 2 | Chevrolet Trailblazer | $1,430 | $119 |
| 3 | Kia Soul | $1,484 | $124 |
| 4 | Nissan Kicks | $1,498 | $125 |
| 5 | Honda Passport | $1,516 | $126 |
| 6 | Buick Envision | $1,526 | $127 |
| 7 | Toyota Corolla Cross | $1,532 | $128 |
| 8 | Hyundai Venue | $1,546 | $129 |
| 9 | Mazda CX-5 | $1,554 | $130 |
| 10 | Ford Bronco Sport | $1,558 | $130 |
| 11 | Volkswagen Tiguan | $1,576 | $131 |
| 12 | Acura RDX | $1,592 | $133 |
| 13 | Nissan Murano | $1,598 | $133 |
| 14 | Buick Encore | $1,616 | $135 |
| 15 | Honda CR-V | $1,622 | $135 |
| 16 | Subaru Outback | $1,622 | $135 |
| 17 | Buick Envista | $1,626 | $136 |
| 18 | Volkswagen Taos | $1,630 | $136 |
| 19 | Kia Niro | $1,638 | $137 |
| 20 | Toyota GR Corolla | $1,652 | $138 |
| 21 | Honda HR-V | $1,656 | $138 |
| 22 | Subaru Ascent | $1,658 | $138 |
| 23 | Nissan Leaf | $1,666 | $139 |
| 24 | Chevrolet Colorado | $1,678 | $140 |
| 25 | Honda Civic | $1,686 | $141 |
| 26 | Lexus NX 250 | $1,686 | $141 |
| 27 | Volkswagen Atlas | $1,688 | $141 |
| 28 | Acura Integra | $1,692 | $141 |
| 29 | Subaru Forester | $1,694 | $141 |
| 30 | Volkswagen Atlas Cross Sport | $1,696 | $141 |
| 31 | Kia Seltos | $1,700 | $142 |
| 32 | GMC Terrain | $1,704 | $142 |
| 33 | Nissan Rogue | $1,710 | $143 |
| 34 | Hyundai Kona | $1,712 | $143 |
| 35 | Mazda CX-30 | $1,716 | $143 |
| 36 | Cadillac XT4 | $1,718 | $143 |
| 37 | Ford Explorer | $1,726 | $144 |
| 38 | Volkswagen ID4 | $1,726 | $144 |
| 39 | Toyota Highlander | $1,732 | $144 |
| 40 | Ford Escape | $1,736 | $145 |
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 October 24, 2025
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 $1,652 per year, the Nissan Leaf at $1,666 per year, and the Honda Civic at $1,686 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 $1,852 per year or less.
Some additional cars worth mentioning include the Nissan Versa, Volkswagen Arteon, Toyota Crown, Kia Forte, and Hyundai Sonata, which average between $1,852 and $1,968 per year for full-coverage insurance.
On a monthly basis, full-coverage car insurance in Rochester on this segment can cost as low as $138 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 $1,652 per year ($138 per month) and ending with the Mazda 3 at $1,968 per year ($164 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,652 | $138 |
| Nissan Leaf | Compact | $1,666 | $139 |
| Honda Civic | Compact | $1,686 | $141 |
| Nissan Sentra | Compact | $1,744 | $145 |
| Subaru Impreza | Compact | $1,748 | $146 |
| Toyota Prius | Compact | $1,778 | $148 |
| Kia K5 | Midsize | $1,832 | $153 |
| Honda Accord | Midsize | $1,836 | $153 |
| Chevrolet Malibu | Midsize | $1,846 | $154 |
| Toyota Corolla | Compact | $1,852 | $154 |
| Kia Forte | Compact | $1,858 | $155 |
| Volkswagen Arteon | Midsize | $1,872 | $156 |
| Nissan Versa | Compact | $1,876 | $156 |
| Subaru Legacy | Midsize | $1,876 | $156 |
| Hyundai Ioniq 6 | Midsize | $1,892 | $158 |
| Mitsubishi Mirage G4 | Compact | $1,920 | $160 |
| Toyota Crown | Midsize | $1,926 | $161 |
| Volkswagen Jetta | Compact | $1,926 | $161 |
| Hyundai Sonata | Midsize | $1,928 | $161 |
| Mazda 3 | Compact | $1,968 | $164 |
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 October 24, 2025
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 $126 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 $1,558 per year or less.
Auto insurance rates in this segment can cost as low as $117 per month, depending on the company and where you live.
The lowest-cost compact SUV to insure in Rochester is the Subaru Crosstrek at $1,406 per year. For midsize SUVs, the Honda Passport has the best rates at $1,516 per year. And for large SUVs, the Chevrolet Tahoe is cheapest to insure at $1,786 per year.
The rate comparison table below ranks the twenty SUVs with the lowest-cost average auto insurance rates in Rochester.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,406 | $117 |
| Chevrolet Trailblazer | Compact | $1,430 | $119 |
| Kia Soul | Compact | $1,484 | $124 |
| Nissan Kicks | Compact | $1,498 | $125 |
| Honda Passport | Midsize | $1,516 | $126 |
| Buick Envision | Compact | $1,526 | $127 |
| Toyota Corolla Cross | Compact | $1,532 | $128 |
| Hyundai Venue | Compact | $1,546 | $129 |
| Mazda CX-5 | Compact | $1,554 | $130 |
| Ford Bronco Sport | Compact | $1,558 | $130 |
| Volkswagen Tiguan | Compact | $1,576 | $131 |
| Nissan Murano | Midsize | $1,598 | $133 |
| Buick Encore | Compact | $1,616 | $135 |
| Honda CR-V | Compact | $1,622 | $135 |
| Subaru Outback | Midsize | $1,622 | $135 |
| Buick Envista | Midsize | $1,626 | $136 |
| Volkswagen Taos | Compact | $1,630 | $136 |
| Kia Niro | Compact | $1,638 | $137 |
| Honda HR-V | Compact | $1,656 | $138 |
| Subaru Ascent | Midsize | $1,658 | $138 |
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 October 24, 2025
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 $1,692 to $1,968 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 $2,000 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 $2,000 and $2,132 per year for full-coverage insurance.
Auto insurance rates in this segment for an average middle-age driver starts at around $141 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 $1,692 per year, or $141 per month. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,958 per year, or $163 per month. And for full-size luxury car models, the Audi A5 is most affordable to insure at $2,262 per year, or $189 per month.
The comparison table below ranks the twenty cars with the lowest-cost insurance rates in Rochester, starting with the Acura Integra at $141 per month and ending with the Audi S3 at $178 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,692 | $141 |
| BMW 330i | Compact | $1,938 | $162 |
| Mercedes-Benz CLA250 | Midsize | $1,958 | $163 |
| Lexus IS 300 | Midsize | $1,960 | $163 |
| Acura TLX | Compact | $1,968 | $164 |
| Lexus ES 350 | Midsize | $1,986 | $166 |
| Cadillac CT4 | Compact | $1,988 | $166 |
| Genesis G70 | Compact | $1,992 | $166 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,996 | $166 |
| Lexus RC 300 | Midsize | $2,000 | $167 |
| Lexus IS 350 | Compact | $2,010 | $168 |
| Jaguar XF | Midsize | $2,012 | $168 |
| Cadillac CT5 | Midsize | $2,050 | $171 |
| Lexus ES 250 | Midsize | $2,058 | $172 |
| Lexus RC 350 | Compact | $2,064 | $172 |
| BMW 330e | Compact | $2,066 | $172 |
| BMW 228i | Compact | $2,068 | $172 |
| BMW 230i | Compact | $2,084 | $174 |
| Lexus ES 300h | Midsize | $2,088 | $174 |
| Audi S3 | Compact | $2,132 | $178 |
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 October 24, 2025
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 $1,592 per year. Second place is the Lexus NX 250 at $1,686 per year, in third place is the Cadillac XT4, costing an average of $1,718 per year, and coming in fourth is the Jaguar E-Pace, at an average of $1,780 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 $1,834 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 $1,834 and $1,912 per year for auto insurance in Rochester.
Full-coverage insurance in this segment starts at an average of $133 per month, depending on where you live.
The most budget-friendly compact luxury SUV to insure in Rochester is the Acura RDX at $1,592 per year. For midsize luxury SUVs, the Jaguar E-Pace is the cheapest model to insure at $1,780 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $2,132 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 $1,592 per year and ending with the Lexus RX 350 at $1,912 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,592 | $133 |
| Lexus NX 250 | Compact | $1,686 | $141 |
| Cadillac XT4 | Compact | $1,718 | $143 |
| Jaguar E-Pace | Midsize | $1,780 | $148 |
| Cadillac XT5 | Midsize | $1,794 | $150 |
| Lexus NX 350h | Compact | $1,794 | $150 |
| Lincoln Corsair | Compact | $1,816 | $151 |
| Mercedes-Benz GLB 250 | Compact | $1,822 | $152 |
| Lexus UX 250h | Compact | $1,824 | $152 |
| Lexus NX 450h | Compact | $1,834 | $153 |
| Infiniti QX50 | Midsize | $1,850 | $154 |
| Mercedes-Benz GLA250 | Compact | $1,856 | $155 |
| Mercedes-Benz GLA35 AMG | Compact | $1,862 | $155 |
| Cadillac XT6 | Midsize | $1,864 | $155 |
| Infiniti QX60 | Midsize | $1,872 | $156 |
| Mercedes-Benz AMG GLB35 | Midsize | $1,874 | $156 |
| Land Rover Evoque | Compact | $1,900 | $158 |
| Acura MDX | Midsize | $1,902 | $159 |
| Lexus NX 350 | Compact | $1,908 | $159 |
| Lexus RX 350 | Midsize | $1,912 | $159 |
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 October 24, 2025
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 $1,760 to $2,134 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 $2,276 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 $2,276 and $3,222 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 $147 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 $1,760 per year ($147 per month) and ending with the Porsche Taycan at $3,222 per year ($269 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,760 | $147 |
| Toyota GR86 | Sports Car | $2,004 | $167 |
| Ford Mustang | Sports Car | $2,090 | $174 |
| BMW Z4 | Sports Car | $2,102 | $175 |
| Subaru WRX | Sports Car | $2,134 | $178 |
| Toyota GR Supra | Sports Car | $2,136 | $178 |
| BMW M2 | Sports Car | $2,200 | $183 |
| Nissan Z | Sports Car | $2,204 | $184 |
| Lexus RC F | Sports Car | $2,248 | $187 |
| Subaru BRZ | Sports Car | $2,276 | $190 |
| BMW M3 | Sports Car | $2,402 | $200 |
| Porsche 718 | Sports Car | $2,450 | $204 |
| Chevrolet Camaro | Sports Car | $2,472 | $206 |
| Chevrolet Corvette | Sports Car | $2,636 | $220 |
| Porsche 911 | Sports Car | $2,726 | $227 |
| BMW M4 | Sports Car | $2,840 | $237 |
| Lexus LC 500 | Sports Car | $2,854 | $238 |
| Jaguar F-Type | Sports Car | $3,004 | $250 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,150 | $263 |
| Porsche Taycan | Sports Car | $3,222 | $269 |
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 October 24, 2025
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 $1,678 per year, Nissan Titan at $1,780 per year, Nissan Frontier at $1,798 per year, and Ford Ranger at $1,818 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 $1,958 per year or less.
As a cost per month, full-coverage auto insurance in this segment starts at an average of $140 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 $1,678 per year and ending with the Ram Truck at $2,202 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,678 | $140 |
| Nissan Titan | Full-size | $1,780 | $148 |
| Nissan Frontier | Midsize | $1,798 | $150 |
| Ford Ranger | Midsize | $1,818 | $152 |
| Ford Maverick | Midsize | $1,848 | $154 |
| Honda Ridgeline | Midsize | $1,888 | $157 |
| Hyundai Santa Cruz | Midsize | $1,920 | $160 |
| Toyota Tacoma | Midsize | $1,928 | $161 |
| GMC Sierra 2500 HD | Heavy Duty | $1,934 | $161 |
| GMC Canyon | Midsize | $1,958 | $163 |
| Jeep Gladiator | Midsize | $2,004 | $167 |
| GMC Sierra 3500 | Heavy Duty | $2,014 | $168 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,034 | $170 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,088 | $174 |
| GMC Sierra | Full-size | $2,100 | $175 |
| Chevrolet Silverado | Full-size | $2,102 | $175 |
| Nissan Titan XD | Heavy Duty | $2,104 | $175 |
| Ford F150 | Full-size | $2,128 | $177 |
| GMC Hummer EV Pickup | Full-size | $2,184 | $182 |
| Ram Truck | Full-size | $2,202 | $184 |
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 October 24, 2025
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 $2,128 per year, or around $177 per month, and has a range of $1,766 to $4,914 annually.
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 $1,686 per year (about $141 per month) and has a range of $1,400 to $3,824 per year for the driver examples in the chart below.
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 $1,710 per year (about $143 per month) and ranges from $1,420 to $3,906.
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 $1,806 per year ($151 per month) and ranges from $1,500 to $4,148.
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 $2,090 per year, or about $174 per month, and ranges from $1,734 to $4,786 per year.
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 $1,982 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 $508 per year. Major misdemeanors like reckless driving could raise rates by an additional $1,772 or more.
- Good credit can save money. Insureds with excellent credit scores of 800+ could save up to $298 per year compared to a decent credit rating of 670-739. Conversely, a credit score lower than 579 could cost up to $346 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 $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.