For a 40-year-old driver with a clean record, car insurance in Rochester, NH, averages about $139 a month ($1,673 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 3% below the New Hampshire average of $144 a month. GEICO has the lowest full-coverage average among the five major insurers we compared (Allstate, Concord Group, GEICO, Progressive and State Farm), at about $101 a month.
Rochester is the least expensive of the six Strafford County cities and towns we price: full coverage averages about $139 a month for our benchmark driver, about $5 a month less than the New Hampshire average. GEICO’s average here, about $101 a month, is tied with Somersworth’s for its lowest of the 72 New Hampshire places we price.
Our data covers two ZIP codes with a Rochester mailing address, 03867 at about $139 a month and 03868 at about $140. A third ZIP code inside the city, 03839, isn’t among the ZIP codes we price. Use these averages as a benchmark when you compare auto insurance quotes in Rochester, NH.
Cost data comes from the auto rates insurers file with state regulators, priced across both Rochester ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.
How Much Is Car Insurance in Rochester, NH?
Car insurance in Rochester, NH, costs about $139 a month ($1,673 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/25 limits averages $583 a year ($49 a month), and 50/100/50 liability with comprehensive and collision averages $1,631 ($136 a month).
- Full coverage (100/300/100, $500 deductibles): $1,673 a year ($139 a month)
- 50/100/50 with $500 deductibles: $1,631 a year ($136 a month)
- Liability only (25/50/25): $583 a year ($49 a month)
- Strafford County: $1,701 a year ($142 a month) for full coverage
- New Hampshire average: $1,728 a year ($144 a month) for full coverage
- ZIP code range: $139 (03867) to $140 (03868) a month for full coverage
Cheapest Car Insurance Companies in Rochester, NH
- Lowest average among the five major insurers we compared, full coverage: GEICO, at about $101 a month ($1,207 a year).
- Next lowest among these five insurers: Progressive, at about $108 a month, then State Farm at $143.
- Lowest liability-only average among these five insurers (25/50/25): Progressive, at about $28 a month, then GEICO at $38.
- Also on our list: USAA at about $74 a month, The Hanover at $79, Nationwide at $113 and MMG Insurance at $118 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $189 a month, $1,060 a year more than GEICO for the same driver and car.
GEICO has the lowest full-coverage average among the five insurers in our Rochester rate data. The recent statewide New Hampshire rate studies we reviewed, one per publisher, disagree on which insurer is cheapest for full coverage: of the seven, two put MMG Insurance first (one in a tie with GEICO), one GEICO, and The Hanover, Safety Insurance, Encompass and Safeco lead one each, apart from USAA, which sells only to military families. In our Rochester table, The Hanover*, priced from those studies and scaled to our benchmark driver, comes in at about $79 a month, below these five insurers; we don’t name it because it leads only one of the seven studies. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among these five insurers, at about $28 a month, followed by GEICO at $38. Liability-only coverage costs less, at about $16 and $21 a month, from The Hanover* and MMG Insurance*, which we price from published rate studies and don’t rank.
Full-coverage averages by insurer in Rochester
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/25 (Yearly): | Liability Only 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $456 | $38 | $1,207 | $101 |
| Progressive | $336 | $28 | $1,298 | $108 |
| State Farm | $624 | $52 | $1,715 | $143 |
| Concord Group | $542 | $45 | $1,877 | $156 |
| Allstate | $961 | $80 | $2,267 | $189 |
| USAA (military families)* | $307 | $26 | $886 | $74 |
| The Hanover* | $194 | $16 | $952 | $79 |
| Nationwide* | $616 | $51 | $1,353 | $113 |
| MMG Insurance* | $257 | $21 | $1,410 | $118 |
| Rochester average | $583 | $49 | $1,673 | $139 |
This table uses Rochester ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Rochester?
Raising liability limits from 50/100/50 to 100/300/100 adds only about $42 a year on average in our Rochester data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Rochester?
Not by much, for our benchmark driver. Comparing the same insurers in the same Rochester ZIP codes, full coverage averaged $1,666 a year 10 months earlier and $1,673 in rates as of Sept. 30, 2026, a 0.4% increase. State Farm cut its Rochester average 9.7% and Progressive 1.4%, while Concord Group raised its average 14.5%; Allstate’s and GEICO’s averages were unchanged. Liability-only coverage at 25/50/25 limits rose 0.2%, led by Concord Group, which raised its liability-only average 14.3%.
What Shapes Car Insurance Costs in Rochester
Strafford County averages about $142 a month for full coverage, the fourth-most expensive of the 10 New Hampshire counties we price, and Rochester costs a little less than the county as a whole. Farmington, to the northwest, is the most expensive of the six Strafford County places we price, at about $148 a month.
Somersworth, to the southeast, averages about $140 a month and Barrington, to the southwest, $142. Across the state line, our Sanford car insurance guide puts Sanford, Maine, about 14 miles northeast, at about $143 a month in our Maine rate data. Where you live is one of the things New Hampshire insurers price, so towns a few miles apart can cost different amounts.
How Rochester Car Insurance Compares With Other New Hampshire Cities
More New Hampshire cities and towns are in the New Hampshire rates by city table, and you can compare states on our car insurance rates by state page.
Dover, about nine miles southeast, averages $142 a month, and Portsmouth, about 19 miles southeast, $138. Concord, to the west, averages $138. For the statewide picture, see our guide to New Hampshire car insurance rates.
Is Car Insurance Required in Rochester, NH?
Rochester drivers follow New Hampshire’s rules: most drivers aren’t required to buy car insurance, according to the Division of Motor Vehicles, but if you’re uninsured and at fault in a crash with injuries or more than $1,000 in damage, the state can suspend your license until you post security. If you buy a policy, it must include at least:
- Liability coverage of $25,000 per person and $50,000 per crash for injuries and $25,000 for property damage (25/50/25)
- Uninsured motorist coverage at least equal to those limits, rising to match any higher liability limits you choose
- Medical payments coverage of at least $1,000 per person for the driver and passengers
Our Rochester liability-only price, about $49 a month against $139 for full coverage, uses 25/50/25 limits with 25/50 uninsured motorist coverage; the rate data doesn’t list medical payments coverage for that package. Our New Hampshire requirements guide covers SR-22 filings, crash reports and how fault works.
How to Lower Your Car Insurance Rate in Rochester
- Compare GEICO and Progressive first. They have the two lowest full-coverage averages among the five major insurers we compared in Rochester, about $101 and $108 a month.
- Quote several insurers. Among the five major insurers we compared in Rochester, the lowest and highest averages are about $88 a month apart for the same driver and car.
- Know how credit is used. New Hampshire insurers can use credit-based insurance scores, but the Insurance Department’s rules bar counting medical collections or credit checks you didn’t start, under Ins 3305.01. Our prices assume good credit.
- Compare at every renewal. Over the past 10 months, State Farm has cut its Rochester average 9.7% and Progressive 1.4%, while Concord Group has raised its average 14.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check New Hampshire home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Rochester Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
- Sample: 10 full-coverage premiums from five insurers across two Rochester ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/25 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. A New Hampshire policy must include at least 25/50/25 liability, uninsured motorist coverage at matching limits and $1,000 of medical payments coverage, but the rate data doesn’t list medical payments coverage for our liability-only package, so we label it liability only rather than a state minimum.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Sept. 30, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 New Hampshire rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from New Hampshire law and the New Hampshire Division of Motor Vehicles. We refresh these figures when new rate data is released.
Rochester Car Insurance FAQ
Car insurance in Rochester, NH, costs about $139 a month ($1,673 a year) for full coverage and about $49 a month for liability-only coverage at 25/50/25 limits, for our benchmark driver, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is 3% below the New Hampshire average of $144 a month.
GEICO has the lowest full-coverage average among the five major insurers we compared in Rochester, at about $101 a month, with Progressive close behind at $108. The Hanover*, which we price from published rate studies and don’t rank, comes in lower for full coverage, at about $79 a month. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among the five major insurers we compared, at about $28 a month. The Hanover* and MMG Insurance*, which we price from published rate studies and don’t rank, come in lower for liability-only coverage, at about $16 and $21 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: Rochester full coverage averages about $139 a month and Dover about $142.
They cover the two ZIP codes we price with a Rochester mailing address, 03867 and 03868, where full coverage averages about $139 and $140 a month for our benchmark driver. A third ZIP code inside the city, 03839, isn’t among the ZIP codes we price, so check the ZIP code where your car is kept when you compare quotes.
In our Rochester data, full coverage (100/300/100 with $500 deductibles) averages about $139 a month and liability-only coverage at 25/50/25 limits about $49, a difference of about $90 a month ($1,090 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. New Hampshire law doesn’t require full coverage, but a lender or leasing company may.
Most New Hampshire drivers, including those in Rochester, aren’t required to buy car insurance, according to the DMV. But if you’re uninsured and at fault in a crash with injuries or more than $1,000 in damage, the state can suspend your license until you post security, and you may need an SR-22 for at least three years. Any policy you buy must include 25/50/25 liability, uninsured motorist coverage at matching limits and at least $1,000 of medical payments coverage.
Not by much, for our benchmark driver. Comparing the same insurers and ZIP codes, Rochester full coverage rose 0.4% over the past 10 months, from about $1,666 to $1,673 a year. State Farm cut its Rochester average 9.7% and Progressive 1.4%, while Concord Group raised its average 14.5%. Liability-only coverage at 25/50/25 limits rose 0.2%.
For our benchmark driver, full coverage in Rochester averages about $139 a month. Nearby, Dover averages about $142, Portsmouth about $138 and Concord about $138. Portsmouth and Concord are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
