Best Rochester, Minnesota Auto Insurance in 2024
The average Rochester, MN auto insurance rates are $353 per month. The minimum auto insurance in Rochester is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in Rochester, Minnesota, compare quotes from multiple companies.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Sep 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Rochester, Minnesota is 30/60/10
- The most expensive auto insurance company in Rochester for teen drivers is Liberty Mutual
- Average auto insurance rates in Rochester, MN for senior drivers are $2,779 per year
Rochester, Minnesota auto insurance requirements are 30/60/10 according to Minnesota auto insurance laws. Finding cheap auto insurance in Rochester can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Rochester, Minnesota, including driving record, credit, commute time, and more.
Compare auto insurance in Rochester to other Minnesota cities, including St. Paul auto insurance rates, Rochester auto insurance rates, and Plymouth auto insurance rates to see how Rochester, Minnesota auto insurance rates stack up.
Before you buy Rochester, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Rochester, Minnesota auto insurance quotes.
Minimum Auto Insurance in Rochester, Minnesota
Rochester, Minnesota auto insurance laws require that you have at least the Minnesota minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Rochester, Minnesota.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Rochester, Minnesota Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Rochester, Minnesota are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,789 | $2,789 | $2,682 | $2,682 | $6,464 | $9,424 | $3,387 | $3,573 |
| American Family | $2,174 | $2,174 | $1,971 | $1,971 | $5,953 | $8,621 | $2,174 | $2,453 |
| Farmers | $1,792 | $1,791 | $1,719 | $1,826 | $5,241 | $5,306 | $2,358 | $2,305 |
| Geico | $2,513 | $2,490 | $2,390 | $2,324 | $5,486 | $6,941 | $2,351 | $2,457 |
| Liberty Mutual | $8,820 | $8,820 | $8,734 | $8,734 | $17,269 | $25,870 | $8,820 | $12,244 |
| Nationwide | $1,937 | $1,946 | $1,725 | $1,829 | $5,184 | $6,306 | $2,299 | $2,402 |
| State Farm | $1,480 | $1,480 | $1,332 | $1,332 | $3,342 | $4,133 | $1,725 | $1,407 |
| USAA | $1,765 | $1,746 | $1,611 | $1,602 | $4,787 | $5,233 | $2,301 | $2,439 |
Cheap Rochester, Minnesota Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Rochester, Minnesota is a challenge. Take a look at the annual teen auto insurance rates in Rochester, Minnesota.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,464 | $9,424 |
| American Family | $5,953 | $8,621 |
| Farmers | $5,241 | $5,306 |
| Geico | $5,486 | $6,941 |
| Liberty Mutual | $17,269 | $25,870 |
| Nationwide | $5,184 | $6,306 |
| State Farm | $3,342 | $4,133 |
| USAA | $4,787 | $5,233 |
Cheap Rochester, Minnesota Auto Insurance for Seniors
What are senior auto insurance rates in Rochester, Minnesota? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,682 | $2,682 |
| American Family | $1,971 | $1,971 |
| Farmers | $1,719 | $1,826 |
| Geico | $2,390 | $2,324 |
| Liberty Mutual | $8,734 | $8,734 |
| Nationwide | $1,725 | $1,829 |
| State Farm | $1,332 | $1,332 |
| USAA | $1,611 | $1,602 |
Cheap Rochester, Minnesota Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Rochester, Minnesota compared to the annual auto insurance rates with a clean record in Rochester, Minnesota.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,009 | $4,447 | $5,443 | $3,996 |
| American Family | $2,306 | $4,169 | $4,656 | $2,614 |
| Farmers | $2,393 | $3,010 | $3,049 | $2,716 |
| Geico | $2,250 | $3,557 | $5,257 | $2,411 |
| Liberty Mutual | $9,037 | $12,452 | $18,420 | $9,746 |
| Nationwide | $2,361 | $3,109 | $3,561 | $2,783 |
| State Farm | $1,853 | $2,205 | $2,029 | $2,029 |
| USAA | $1,991 | $2,543 | $3,839 | $2,368 |
Cheap Rochester, Minnesota Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Rochester, Minnesota is not easy. Compare the annual rates for DUI auto insurance in Rochester, Minnesota to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,443 |
| American Family | $4,656 |
| Farmers | $3,049 |
| Geico | $5,257 |
| Liberty Mutual | $18,420 |
| Nationwide | $3,561 |
| State Farm | $2,029 |
| USAA | $3,839 |
Cheap Rochester, Minnesota Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Rochester, Minnesota annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,173 | $3,370 | $3,129 |
| American Family | $4,669 | $3,123 | $2,517 |
| Farmers | $3,474 | $2,534 | $2,369 |
| Geico | $4,043 | $3,309 | $2,755 |
| Liberty Mutual | $17,306 | $11,191 | $8,745 |
| Nationwide | $3,501 | $2,841 | $2,518 |
| State Farm | $2,958 | $1,809 | $1,319 |
| USAA | $4,196 | $2,061 | $1,799 |
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Cheap Rochester, Minnesota Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Rochester, Minnesota can vary. Compare the annual cost of auto insurance by ZIP code in Rochester, Minnesota to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 55901 | $3,205 |
| 55902 | $3,251 |
| 55904 | $3,257 |
| 55906 | $3,260 |
Cheap Rochester, Minnesota Auto Insurance Rates By Commute
Commute length and annual mileage affect Rochester, Minnesota auto insurance. Find the cheapest annual Rochester, Minnesota auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,224 | $4,224 |
| American Family | $3,396 | $3,476 |
| Farmers | $2,792 | $2,792 |
| Geico | $3,323 | $3,415 |
| Liberty Mutual | $12,052 | $12,775 |
| Nationwide | $2,953 | $2,953 |
| State Farm | $1,974 | $2,084 |
| USAA | $2,651 | $2,720 |
Cheap Rochester, Minnesota Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Rochester, Minnesota? Check out the comparison of annual Rochester, Minnesota auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,169 | $4,221 | $4,282 |
| American Family | $3,420 | $3,530 | $3,359 |
| Farmers | $2,688 | $2,804 | $2,884 |
| Geico | $3,251 | $3,369 | $3,487 |
| Liberty Mutual | $12,110 | $12,423 | $12,709 |
| Nationwide | $2,779 | $2,980 | $3,101 |
| State Farm | $1,940 | $2,037 | $2,110 |
| USAA | $2,605 | $2,684 | $2,768 |
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Best By Category: Cheapest Auto Insurance in Rochester, Minnesota
Compare the cheapest auto insurance companies in Rochester, Minnesota in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
The Cheapest Rochester, Minnesota Auto Insurance Companies
What auto insurance companies in Rochester, Minnesota are the cheapest? Compare the top Rochester, Minnesota auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,224 |
| American Family | $3,436 |
| Farmers | $2,792 |
| Geico | $3,369 |
| Liberty Mutual | $12,414 |
| Nationwide | $2,953 |
| State Farm | $2,029 |
| USAA | $2,685 |
What affects auto insurance rates in Rochester, Minnesota?
There are a lot of reasons why auto insurance rates in Rochester, Minnesota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Rochester, Minnesota. Many local factors may affect your Rochester auto insurance rates.
Rochester Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Rochester, Minnesota commute length is 16.5 minutes according to City-Data.
Rochester Traffic
How does Rochester, Minnesota rank for traffic? According to Inrix Rochester, Minnesota is the 252nd most congested worldwide.
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Compare Rochester, Minnesota Auto Insurance Quotes
Before you buy Rochester, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Rochester, Minnesota auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance policy that provides financial protection in case of accidents, theft, or other damages to your vehicle. It also offers liability coverage for injuries or property damage caused by your vehicle.
Is auto insurance mandatory in Rochester, MN?
Yes, auto insurance is mandatory in Rochester, MN, as it is in most states in the United States. Minnesota law requires all drivers to have a minimum level of liability coverage to legally operate a vehicle.
What is the minimum auto insurance coverage required in Rochester, MN?
In Rochester, MN, the minimum auto insurance coverage requirements are as follows:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident involving more than one person
- $10,000 for property damage per accident
What does liability coverage include?
Liability coverage in auto insurance typically includes two components: bodily injury liability and property damage liability. Bodily injury liability covers medical expenses, lost wages, and other damages resulting from injuries to others in an accident you caused. Property damage liability covers the cost of repairing or replacing another person’s property, such as their vehicle or a fence, that you damaged in an accident.
What other types of coverage should I consider in addition to liability coverage?
While liability coverage is the minimum requirement, it’s often recommended to consider additional coverage options, such as:
- Collision coverage: This covers damages to your own vehicle in case of a collision, regardless of fault.
- Comprehensive coverage: This covers damages to your vehicle from non-collision incidents like theft, vandalism, or natural disasters.
- Personal injury protection (PIP): This coverage pays for medical expenses and sometimes lost wages for you and your passengers, regardless of fault.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who has little or no insurance coverage.
How are auto insurance premiums determined?
Auto insurance premiums are determined based on several factors, including:
- Your driving record: A clean driving record with no accidents or traffic violations can result in lower premiums.
- Age and gender: Younger, less experienced drivers usually pay higher premiums, and male drivers tend to have higher rates than female drivers.
- Vehicle type: The make, model, and age of your vehicle can impact your premium.
- Coverage limits: Higher coverage limits typically result in higher premiums.
- Deductible amount: A higher deductible can lower your premium but means you’ll pay more out of pocket in case of a claim.
- Location: Where you live and park your vehicle, such as Rochester, MN, can affect your premium due to local accident rates and crime statistics.
Can I get discounts on my auto insurance in Rochester, MN?
Yes, many insurance companies offer various discounts that can help lower your auto insurance premiums. Some common discounts include:
- Multi-policy discount: Insuring multiple vehicles or combining auto insurance with other policies like home insurance can lead to discounts.
- Good driver discount: If you have a clean driving record without accidents or violations, you may be eligible for a discount.
- Good student discount: Full-time students with good academic records can often receive discounted rates.
- Safety features discount: Vehicles equipped with safety features like anti-lock brakes, airbags, or anti-theft devices may qualify for discounts.
- Low mileage discount: If you don’t drive your vehicle frequently, you might be eligible for a lower premium.
How can I find the best auto insurance policy in Rochester, MN?
To find the best auto insurance policy in Rochester, MN, consider following these steps:
- Research multiple insurance companies: Look for reputable insurance providers that offer coverage in Rochester, MN. Consider their financial stability, customer reviews, and the range of coverage options they provide.
- Determine your coverage needs: Assess your specific requirements for auto insurance. Consider factors like the value of your vehicle, your driving habits, and your budget. This will help you determine the types and amounts of coverage you need.
- Compare quotes: Obtain quotes from multiple insurance companies based on the coverage options you identified in step 2. Make sure to request quotes with the same coverage limits and deductibles for accurate comparisons.
- Consider customer service: Research the customer service reputation of the insurance companies you’re considering. Look for reviews and ratings regarding their claims handling process, responsiveness, and overall customer satisfaction.
- Check for discounts: Inquire about available discounts with each insurance provider. Mention any qualifying factors, such as good driving records, safety features in your vehicle, or multiple policies with the same insurer. Evaluate how these discounts can impact your premium.
- Review policy terms and conditions: Carefully read the policy documents of the insurance policies you’re considering. Pay attention to coverage limits, deductibles, exclusions, and any additional benefits or features offered. Ensure the policy aligns with your needs.
- Seek professional advice: If you’re uncertain about the insurance options or need assistance in selecting the right policy, consider consulting with an insurance agent or broker. They can provide personalized guidance based on your situation.
- Make an informed decision: After evaluating quotes, coverage options, customer service, and policy terms, choose the auto insurance policy that best suits your needs and offers the most value for your premium.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.