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The top insurance provider can change depending on your needs. For instance, State Farm is the cheapest option for those with speeding and DUI violations, while American Family is best for those with an accident. MoneyGeek found that Nationwide is the cheapest for teens, while Westfield is the best for military drivers and those on a budget. Meanwhile, West Bend Mutual offers the best service and is MoneyGeek's overall top pick.

MoneyGeek Logo IconCheapest + BestCar InsuranceRochester
2023

Cheapest and Best Car Insurance in Rochester, MN

Cheapest Minimum Liability Car Insurance in Rochester

The following companies in Rochester provide the most affordable minimum coverage car insurance:

  • Westfield: $265 per year
  • West Bend Mutual: $306 per year

Country Financial's minimum insurance premium is the most expensive in Rochester, at $576 per year. Westfield offers the most affordable minimum coverage car insurance across Minnesota, with premiums averaging $320 per year. Rates in Rochester are lower than Westfield’s state average, illustrating how location can affect insurance premiums.

Company
Annual Premium
Monthly Premium

Westfield

$265

$22

State Farm

$280

$23

Westfield

$301

$25

West Bend Mutual

$306

$26

Westfield

$317

$26

State Farm

$320

$27

West Bend Mutual

$323

$27

Iowa Farm Bureau

$334

$28

Western National

$350

$29

Western National

$354

$30

Auto-Owners Insurance Co

$358

$30

Iowa Farm Bureau

$374

$31

State Farm

$378

$32

Auto-Owners Insurance Co

$380

$32

Auto-Owners Insurance Co

$397

$33

Iowa Farm Bureau

$399

$33

GEICO

$446

$37

Farmers Union Insurance

$461

$38

Nationwide

$467

$39

American Family

$482

$40

American Family

$482

$40

American Family

$493

$41

Nationwide

$498

$42

Western National

$502

$42

AAA

$511

$43

GEICO

$511

$43

Farmers Union Insurance

$523

$44

West Bend Mutual

$531

$44

Allstate

$535

$45

Travelers

$541

$45

Travelers

$545

$45

AAA

$546

$45

Country Financial

$576

$48

Farmers Union Insurance

$580

$48

Travelers

$586

$49

Country Financial

$589

$49

Allstate

$590

$49

Nationwide

$590

$49

Allstate

$593

$49

Iowa Farm Bureau

$606

$50

GEICO

$629

$52

State Farm

$633

$53

AAA

$674

$56

Iowa Farm Bureau

$679

$57

Westfield

$698

$58

Westfield

$712

$59

West Bend Mutual

$713

$59

State Farm

$716

$60

West Bend Mutual

$717

$60

American Family

$731

$61

Country Financial

$745

$62

Iowa Farm Bureau

$754

$63

Auto-Owners Insurance Co

$781

$65

American Family

$783

$65

American Family

$796

$66

Nationwide

$841

$70

Auto-Owners Insurance Co

$853

$71

Western National

$868

$72

Western National

$876

$73

State Farm

$889

$74

GEICO

$903

$75

Westfield

$924

$77

Nationwide

$942

$79

Travelers

$968

$81

Allstate

$1,011

$84

Farmers Union Insurance

$1,013

$84

Travelers

$1,024

$85

Allstate

$1,029

$86

Auto-Owners Insurance Co

$1,040

$87

GEICO

$1,044

$87

AAA

$1,051

$88

Nationwide

$1,118

$93

Allstate

$1,131

$94

Travelers

$1,166

$97

AAA

$1,172

$98

West Bend Mutual

$1,200

$100

Western National

$1,242

$104

Country Financial

$1,256

$105

GEICO

$1,259

$105

Country Financial

$1,322

$110

Farmers Union Insurance

$1,329

$111

Farmers Union Insurance

$1,460

$122

AAA

$1,528

$127

Country Financial

$1,711

$143

In Minnesota, vehicle insurance policies must meet the following minimum standards for coverage:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $40,000 personal injury protection

If you have bodily injury liability insurance, your insurance company will cover the affected parties' medical costs up to that limit after an accident — $30,000 per person involved, up to $60,000 per incident. If the overall cost is greater than this, you are responsible for the difference.

Cheapest Full Coverage Car Insurance in Rochester

The following companies offer the cheapest full coverage vehicle insurance in Rochester:

  • Iowa Farm Bureau: $679 per year
  • Westfield: $712 per year

Farmer's Union Insurance full coverage insurance is the most expensive in Rochester, with an average annual cost of $1,329. State Farm offers the cheapest full coverage insurance in Minnesota, with an average annual cost of $797. However, availability and cost can vary depending on your location. MoneyGeek analyzed the cheapest Minnesota full coverage auto insurance companies if you're shopping on a budget.

Company
Annual Premium
Monthly Premium

Westfield

$265

$22

State Farm

$280

$23

Westfield

$301

$25

West Bend Mutual

$306

$26

Westfield

$317

$26

State Farm

$320

$27

West Bend Mutual

$323

$27

Iowa Farm Bureau

$334

$28

Western National

$350

$29

Western National

$354

$30

Auto-Owners Insurance Co

$358

$30

Iowa Farm Bureau

$374

$31

State Farm

$378

$32

Auto-Owners Insurance Co

$380

$32

Auto-Owners Insurance Co

$397

$33

Iowa Farm Bureau

$399

$33

GEICO

$446

$37

Farmers Union Insurance

$461

$38

Nationwide

$467

$39

American Family

$482

$40

American Family

$482

$40

American Family

$493

$41

Nationwide

$498

$42

Western National

$502

$42

AAA

$511

$43

GEICO

$511

$43

Farmers Union Insurance

$523

$44

West Bend Mutual

$531

$44

Allstate

$535

$45

Travelers

$541

$45

Travelers

$545

$45

AAA

$546

$45

Country Financial

$576

$48

Farmers Union Insurance

$580

$48

Travelers

$586

$49

Country Financial

$589

$49

Allstate

$590

$49

Nationwide

$590

$49

Allstate

$593

$49

Iowa Farm Bureau

$606

$50

GEICO

$629

$52

State Farm

$633

$53

AAA

$674

$56

Iowa Farm Bureau

$679

$57

Westfield

$698

$58

Westfield

$712

$59

West Bend Mutual

$713

$59

State Farm

$716

$60

West Bend Mutual

$717

$60

American Family

$731

$61

Country Financial

$745

$62

Iowa Farm Bureau

$754

$63

Auto-Owners Insurance Co

$781

$65

American Family

$783

$65

American Family

$796

$66

Nationwide

$841

$70

Auto-Owners Insurance Co

$853

$71

Western National

$868

$72

Western National

$876

$73

State Farm

$889

$74

GEICO

$903

$75

Westfield

$924

$77

Nationwide

$942

$79

Travelers

$968

$81

Allstate

$1,011

$84

Farmers Union Insurance

$1,013

$84

Travelers

$1,024

$85

Allstate

$1,029

$86

Auto-Owners Insurance Co

$1,040

$87

GEICO

$1,044

$87

AAA

$1,051

$88

Nationwide

$1,118

$93

Allstate

$1,131

$94

Travelers

$1,166

$97

AAA

$1,172

$98

West Bend Mutual

$1,200

$100

Western National

$1,242

$104

Country Financial

$1,256

$105

GEICO

$1,259

$105

Country Financial

$1,322

$110

Farmers Union Insurance

$1,329

$111

Farmers Union Insurance

$1,460

$122

AAA

$1,528

$127

Country Financial

$1,711

$143

Full coverage policies include collision and comprehensive coverage.

  • Collision Insurance: Pays to repair or replace your car after a collision with another vehicle or object.
  • Comprehensive Insurance: Pays for damage caused by the weather and other non-collision events, such as theft. .

If you have a new car, purchasing full coverage insurance is wise. However, if your vehicle is older or low-value, the premiums for full coverage could cost more than the car is worth.

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Cheapest Car Insurance in Rochester After a Driving Offense

The following insurance providers in Rochester offer the most affordable full coverage vehicle insurance for drivers with violations:

  • Speeding ticket: Iowa Farm Bureau ($764 per year)
  • At-fault accident: American Family ($783 per year)
  • DUI: State Farm ($778 per year)

Country Financial has the highest annual premium ($1,898) for drivers involved after an accident. With premiums at $1,730 a year, Country Financial is also the most expensive option if you get a speeding ticket. The highest annual cost after a DUI is from AAA at $5,112.

A motorist with a poor driving record will often pay far more than one who has never had a violation.

Company
Annual Premium
Monthly Premium

State Farm

$310

$26

State Farm

$310

$26

Westfield

$314

$26

State Farm

$339

$28

Western National

$350

$29

Western National

$350

$29

Western National

$350

$29

State Farm

$353

$29

State Farm

$353

$29

Western National

$354

$30

Western National

$354

$30

Western National

$354

$30

Westfield

$358

$30

Iowa Farm Bureau

$375

$31

Westfield

$378

$31

State Farm

$387

$32

Westfield

$391

$33

Auto-Owners Insurance Co

$408

$34

State Farm

$418

$35

State Farm

$418

$35

Iowa Farm Bureau

$422

$35

Westfield

$427

$36

West Bend Mutual

$429

$36

West Bend Mutual

$429

$36

Auto-Owners Insurance Co

$433

$36

Iowa Farm Bureau

$443

$37

Westfield

$443

$37

Iowa Farm Bureau

$450

$37

West Bend Mutual

$453

$38

West Bend Mutual

$453

$38

Auto-Owners Insurance Co

$454

$38

State Farm

$459

$38

American Family

$482

$40

American Family

$482

$40

Auto-Owners Insurance Co

$485

$40

American Family

$493

$41

Iowa Farm Bureau

$498

$41

Western National

$502

$42

Western National

$502

$42

Western National

$502

$42

Auto-Owners Insurance Co

$516

$43

GEICO

$520

$43

Iowa Farm Bureau

$531

$44

Nationwide

$536

$45

Auto-Owners Insurance Co

$542

$45

West Bend Mutual

$553

$46

American Family

$558

$47

American Family

$558

$47

American Family

$559

$47

American Family

$559

$47

Nationwide

$566

$47

American Family

$569

$47

American Family

$569

$47

West Bend Mutual

$585

$49

GEICO

$597

$50

Iowa Farm Bureau

$657

$55

Nationwide

$659

$55

Farmers Union Insurance

$659

$55

Nationwide

$661

$55

Iowa Farm Bureau

$682

$57

Westfield

$683

$57

State Farm

$688

$57

State Farm

$688

$57

Farmers Union Insurance

$694

$58

Nationwide

$698

$58

West Bend Mutual

$706

$59

West Bend Mutual

$706

$59

Westfield

$720

$60

Travelers

$726

$60

Farmers Union Insurance

$729

$61

American Family

$731

$61

GEICO

$733

$61

Westfield

$736

$61

Travelers

$736

$61

Farmers Union Insurance

$737

$61

Iowa Farm Bureau

$737

$61

State Farm

$744

$62

Farmers Union Insurance

$758

$63

Country Financial

$763

$64

Iowa Farm Bureau

$764

$64

Travelers

$767

$64

Nationwide

$770

$64

Travelers

$771

$64

Farmers Union Insurance

$773

$64

Auto-Owners Insurance Co

$776

$65

State Farm

$778

$65

State Farm

$778

$65

Farmers Union Insurance

$778

$65

Travelers

$779

$65

Country Financial

$781

$65

American Family

$783

$65

Iowa Farm Bureau

$788

$66

Farmers Union Insurance

$795

$66

American Family

$796

$66

Iowa Farm Bureau

$806

$67

Nationwide

$806

$67

Allstate

$810

$67

Farmers Union Insurance

$810

$68

Nationwide

$814

$68

Travelers

$816

$68

GEICO

$821

$68

Auto-Owners Insurance Co

$829

$69

Westfield

$832

$69

State Farm

$839

$70

Westfield

$846

$71

Iowa Farm Bureau

$850

$71

Country Financial

$853

$71

American Family

$867

$72

American Family

$867

$72

Western National

$868

$72

Western National

$868

$72

Western National

$868

$72

Auto-Owners Insurance Co

$869

$72

Country Financial

$871

$73

Auto-Owners Insurance Co

$872

$73

Western National

$876

$73

Western National

$876

$73

Western National

$876

$73

Allstate

$892

$74

Country Financial

$898

$75

Allstate

$899

$75

Iowa Farm Bureau

$904

$75

GEICO

$909

$76

AAA

$914

$76

AAA

$914

$76

Country Financial

$916

$76

Travelers

$920

$77

Nationwide

$921

$77

Allstate

$931

$78

American Family

$931

$78

American Family

$931

$78

AAA

$932

$78

AAA

$932

$78

Travelers

$934

$78

American Family

$943

$79

American Family

$943

$79

Auto-Owners Insurance Co

$946

$79

Westfield

$956

$80

Nationwide

$960

$80

State Farm

$968

$81

State Farm

$968

$81

Westfield

$970

$81

Travelers

$979

$82

Country Financial

$992

$83

Allstate

$992

$83

Auto-Owners Insurance Co

$1,002

$83

Iowa Farm Bureau

$1,005

$84

West Bend Mutual

$1,030

$86

West Bend Mutual

$1,030

$86

Allstate

$1,030

$86

West Bend Mutual

$1,038

$87

West Bend Mutual

$1,038

$87

Allstate

$1,044

$87

GEICO

$1,046

$87

State Farm

$1,047

$87

GEICO

$1,053

$88

Nationwide

$1,060

$88

Auto-Owners Insurance Co

$1,088

$91

Country Financial

$1,090

$91

Allstate

$1,099

$92

Westfield

$1,102

$92

Allstate

$1,122

$94

AAA

$1,144

$95

AAA

$1,144

$95

Auto-Owners Insurance Co

$1,156

$96

Nationwide

$1,170

$98

Country Financial

$1,177

$98

Westfield

$1,182

$98

Iowa Farm Bureau

$1,195

$100

GEICO

$1,217

$101

Nationwide

$1,236

$103

West Bend Mutual

$1,240

$103

Western National

$1,242

$104

Western National

$1,242

$104

Western National

$1,242

$104

West Bend Mutual

$1,258

$105

Nationwide

$1,296

$108

Auto-Owners Insurance Co

$1,333

$111

Iowa Farm Bureau

$1,341

$112

Nationwide

$1,356

$113

Travelers

$1,401

$117

Travelers

$1,431

$119

Allstate

$1,435

$120

Travelers

$1,463

$122

Farmers Union Insurance

$1,467

$122

GEICO

$1,469

$122

Nationwide

$1,482

$124

Allstate

$1,482

$124

Iowa Farm Bureau

$1,492

$124

Travelers

$1,498

$125

Travelers

$1,500

$125

Farmers Union Insurance

$1,507

$126

Auto-Owners Insurance Co

$1,508

$126

Nationwide

$1,515

$126

Farmers Union Insurance

$1,540

$128

GEICO

$1,552

$129

Westfield

$1,558

$130

Travelers

$1,563

$130

Westfield

$1,569

$131

Allstate

$1,612

$134

Auto-Owners Insurance Co

$1,626

$135

West Bend Mutual

$1,637

$136

West Bend Mutual

$1,637

$136

AAA

$1,645

$137

AAA

$1,645

$137

Country Financial

$1,646

$137

Farmers Union Insurance

$1,672

$139

GEICO

$1,672

$139

Allstate

$1,675

$140

GEICO

$1,677

$140

AAA

$1,695

$141

AAA

$1,695

$141

Nationwide

$1,702

$142

Country Financial

$1,730

$144

Allstate

$1,738

$145

Farmers Union Insurance

$1,750

$146

Travelers

$1,752

$146

Allstate

$1,765

$147

Westfield

$1,783

$149

Travelers

$1,792

$149

Farmers Union Insurance

$1,793

$149

Country Financial

$1,815

$151

Allstate

$1,838

$153

GEICO

$1,848

$154

Farmers Union Insurance

$1,849

$154

Travelers

$1,869

$156

Allstate

$1,892

$158

Country Financial

$1,898

$158

Country Financial

$1,906

$159

GEICO

$1,925

$160

Farmers Union Insurance

$1,928

$161

Farmers Union Insurance

$1,974

$164

Country Financial

$1,995

$166

Auto-Owners Insurance Co

$2,003

$167

Allstate

$2,005

$167

GEICO

$2,099

$175

AAA

$2,196

$183

AAA

$2,196

$183

Country Financial

$2,258

$188

Country Financial

$2,463

$205

Country Financial

$2,632

$219

West Bend Mutual

$2,706

$226

GEICO

$3,177

$265

AAA

$3,351

$279

GEICO

$3,399

$283

AAA

$3,697

$308

GEICO

$3,871

$323

AAA

$4,243

$354

AAA

$5,112

$426

AAA

$5,481

$457

West Bend Mutual

$5,864

$489

AAA

$6,546

$546

The amount of your insurance premium's price increase after a violation typically depends on the severity of the offense. For instance, full coverage insurance premiums for someone in Rochester with a DUI might increase by $874. However, those with a speeding ticket will typically see an increase of $229.

To guide you in your research, MoneyGeek has reviewed the most affordable auto insurance providers for those with poor driving records.

Cheapest Car Insurance in Rochester for Teens and Their Families

The following companies in Rochester provide the most affordable rates for families adding a teen to their car insurance policy:

  • Nationwide: $1,573 per year for female teens; $1,679 per year for male teens
  • State Farm: $1,573 per year for female teens; $1,940 per year for male teens

The most expensive insurance providers in Rochester are Auto-Owners Insurance Co. and GEICO, with yearly rates for female and male teens under a family policy of $2,125 and $2,557, respectively. Young males often pay higher premiums because insurers consider them high-risk, though this difference disappears as they reach early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$770

$2,581

State Farm

$873

$1,788

GEICO

$924

$3,099

State Farm

$962

$1,972

GEICO

$980

$3,286

State Farm

$988

$1,985

GEICO

$993

$4,347

State Farm

$1,001

$2,324

Nationwide

$1,021

$1,715

Nationwide

$1,028

$1,698

State Farm

$1,035

$2,120

Travelers

$1,051

$2,851

State Farm

$1,062

$2,499

Nationwide

$1,074

$2,242

Travelers

$1,083

$2,890

Nationwide

$1,083

$2,351

Allstate

$1,091

$2,408

State Farm

$1,108

$2,227

GEICO

$1,137

$2,850

State Farm

$1,160

$2,694

Nationwide

$1,160

$1,916

Nationwide

$1,170

$2,113

Nationwide

$1,173

$1,970

Travelers

$1,176

$3,191

Nationwide

$1,184

$2,196

Travelers

$1,185

$3,523

State Farm

$1,202

$2,828

State Farm

$1,203

$2,417

State Farm

$1,205

$3,181

Nationwide

$1,212

$2,002

Travelers

$1,214

$3,295

Allstate

$1,217

$2,344

Auto-Owners Insurance Co

$1,224

$2,683

Nationwide

$1,234

$2,073

Travelers

$1,234

$3,295

Allstate

$1,240

$2,389

Allstate

$1,265

$2,571

Auto-Owners Insurance Co

$1,267

$2,734

Auto-Owners Insurance Co

$1,268

$2,779

Allstate

$1,268

$2,705

Travelers

$1,269

$3,838

Allstate

$1,270

$2,447

State Farm

$1,274

$2,963

Allstate

$1,297

$4,208

Auto-Owners Insurance Co

$1,303

$3,059

Travelers

$1,321

$3,525

Auto-Owners Insurance Co

$1,324

$2,902

GEICO

$1,329

$3,331

Travelers

$1,341

$3,821

Auto-Owners Insurance Co

$1,342

$2,894

Allstate

$1,349

$3,491

Allstate

$1,353

$3,316

Allstate

$1,380

$4,477

State Farm

$1,385

$3,620

Allstate

$1,395

$3,079

Auto-Owners Insurance Co

$1,404

$3,389

GEICO

$1,415

$4,484

GEICO

$1,416

$3,547

Nationwide

$1,416

$3,526

Nationwide

$1,423

$4,080

Allstate

$1,424

$3,143

Auto-Owners Insurance Co

$1,436

$3,096

GEICO

$1,445

$4,756

Auto-Owners Insurance Co

$1,453

$3,221

Auto-Owners Insurance Co

$1,469

$3,693

Travelers

$1,471

$4,240

State Farm

$1,479

$3,915

State Farm

$1,479

$3,439

Nationwide

$1,484

$3,987

Nationwide

$1,486

$3,102

Nationwide

$1,518

$4,625

Travelers

$1,526

$4,347

Nationwide

$1,531

$3,323

Travelers

$1,533

$4,935

State Farm

$1,566

$4,094

Allstate

$1,571

$3,700

State Farm

$1,573

$4,621

Nationwide

$1,573

$4,814

Auto-Owners Insurance Co

$1,577

$3,496

Auto-Owners Insurance Co

$1,590

$3,858

Nationwide

$1,616

$4,633

Allstate

$1,655

$7,424

GEICO

$1,656

$5,157

Auto-Owners Insurance Co

$1,667

$4,188

Auto-Owners Insurance Co

$1,672

$4,724

Nationwide

$1,679

$5,467

Travelers

$1,682

$4,848

Travelers

$1,697

$5,590

State Farm

$1,706

$4,440

Allstate

$1,710

$4,958

Allstate

$1,710

$3,649

GEICO

$1,721

$6,403

Nationwide

$1,724

$5,253

GEICO

$1,727

$5,471

Travelers

$1,731

$5,989

GEICO

$1,748

$7,805

Allstate

$1,791

$5,773

GEICO

$1,833

$5,709

Allstate

$1,866

$4,829

Auto-Owners Insurance Co

$1,904

$4,298

Allstate

$1,910

$6,157

State Farm

$1,931

$5,027

State Farm

$1,940

$5,682

GEICO

$1,982

$8,847

Travelers

$1,983

$6,924

GEICO

$1,999

$7,812

Travelers

$2,012

$6,962

Auto-Owners Insurance Co

$2,022

$5,433

GEICO

$2,033

$9,829

GEICO

$2,097

$11,434

Auto-Owners Insurance Co

$2,114

$4,772

Travelers

$2,118

$9,038

Auto-Owners Insurance Co

$2,125

$5,318

Allstate

$2,261

$9,932

Auto-Owners Insurance Co

$2,284

$6,139

Auto-Owners Insurance Co

$2,290

$6,890

Travelers

$2,352

$8,212

GEICO

$2,460

$11,895

Travelers

$2,492

$10,968

GEICO

$2,557

$15,366

Adding a teen to a family car insurance policy is more cost-effective than purchasing a separate policy. In Rochester, a separate policy for a 16-year-old driver costs at least $2,152 or 46% more than adding him to a family policy. MoneyGeek also researched the most affordable teen auto insurance companies if you want to compare rates.

Cheapest Car Insurance in Rochester for Military Drivers

The following companies in Rochester provide military members and their families with full coverage vehicle insurance at the most competitive rates:

  • Iowa Farm Bureau: $679 per year
  • Westfield: $712 per year

Westfield ($265) and West Bend Mutual ($306) offer the lowest annual minimum coverage rates in the city. If you want to conduct additional research, MoneyGeek has also reviewed the least expensive military auto insurance providers.

Company
Annual Premium
Monthly Premium

Westfield

$265

$22

State Farm

$280

$23

Westfield

$301

$25

West Bend Mutual

$306

$26

USAA

$310

$26

USAA

$313

$26

Westfield

$317

$26

State Farm

$320

$27

West Bend Mutual

$323

$27

Iowa Farm Bureau

$334

$28

Western National

$350

$29

Western National

$354

$30

Auto-Owners Insurance Co

$358

$30

Iowa Farm Bureau

$374

$31

State Farm

$378

$32

Auto-Owners Insurance Co

$380

$32

USAA

$384

$32

Auto-Owners Insurance Co

$397

$33

Iowa Farm Bureau

$399

$33

GEICO

$446

$37

Farmers Union Insurance

$461

$38

Nationwide

$467

$39

American Family

$482

$40

American Family

$482

$40

American Family

$493

$41

Nationwide

$498

$42

Western National

$502

$42

AAA

$511

$43

GEICO

$511

$43

Farmers Union Insurance

$523

$44

West Bend Mutual

$531

$44

Allstate

$535

$45

Travelers

$541

$45

Travelers

$545

$45

AAA

$546

$45

Country Financial

$576

$48

Farmers Union Insurance

$580

$48

Travelers

$586

$49

Country Financial

$589

$49

Allstate

$590

$49

Nationwide

$590

$49

Allstate

$593

$49

Iowa Farm Bureau

$606

$50

GEICO

$629

$52

State Farm

$633

$53

AAA

$674

$56

Iowa Farm Bureau

$679

$57

Westfield

$698

$58

Westfield

$712

$59

West Bend Mutual

$713

$59

State Farm

$716

$60

West Bend Mutual

$717

$60

American Family

$731

$61

Country Financial

$745

$62

Iowa Farm Bureau

$754

$63

USAA

$757

$63

Auto-Owners Insurance Co

$781

$65

American Family

$783

$65

USAA

$792

$66

American Family

$796

$66

Nationwide

$841

$70

Auto-Owners Insurance Co

$853

$71

Western National

$868

$72

Western National

$876

$73

State Farm

$889

$74

GEICO

$903

$75

Westfield

$924

$77

Nationwide

$942

$79

Travelers

$968

$81

Allstate

$1,011

$84

Farmers Union Insurance

$1,013

$84

USAA

$1,020

$85

Travelers

$1,024

$85

Allstate

$1,029

$86

Auto-Owners Insurance Co

$1,040

$87

GEICO

$1,044

$87

AAA

$1,051

$88

Nationwide

$1,118

$93

Allstate

$1,131

$94

Travelers

$1,166

$97

AAA

$1,172

$98

West Bend Mutual

$1,200

$100

Western National

$1,242

$104

Country Financial

$1,256

$105

GEICO

$1,259

$105

Country Financial

$1,322

$110

Farmers Union Insurance

$1,329

$111

Farmers Union Insurance

$1,460

$122

AAA

$1,528

$127

Country Financial

$1,711

$143

How to Compare Cheap Rochester Car Insurance Quotes Online

Depending on how many quotes you want to review, researching prices in Rochester could take some time. Getting an estimate from one supplier can take 15 minutes or longer based on the amount of information each requires

For a quicker estimate, enter your age, car details, driving record and desired coverage in the MoneyGeek auto insurance calculator below.

Auto Insurance Calculator

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Best Car Insurance in Rochester: Summary

Your requirements will determine which insurance provider is ideal for you. MoneyGeek’s top picks for different categories in Rochester are as follows:

  • Best overall: West Bend Mutual (MoneyGeek score 82 out of 100)
  • Best for service: West Bend Mutual (MoneyGeek score 70 out of 100)
  • Best cheap: Westfield (MoneyGeek score 84 out of 100)

A provider's MoneyGeek rating may vary depending on the category. Westfield is MoneyGeek’s top overall pick for the best Minnesota auto insurance. For qualified military personnel and their families, MoneyGeek also recommends USAA auto insurance.

Best Overall Car Insurance in Rochester

The following auto insurance companies are MoneyGeek's top selections in Rochester after considering pricing, claims handling and customer satisfaction rankings:

  • West Bend Mutual: MoneyGeek score 82 out of 100 ($713 per year)
  • Westfield: MoneyGeek score 81 out of 100 ($712 per year)

West Bend Mutual's auto insurance is a good choice for most drivers due to its low cost and high customer satisfaction ratings.

How was this MoneyGeek score calculated?

West Bend Mutual

pros

2nd place in affordability among 12 insurers

1st place in customer satisfaction among 12 insurers

Offers optional roadside assistance

cons

Lacks many essential coverages

COMPANY HIGHLIGHTS

For drivers on a budget, West Bend Mutual offers some of the most affordable rates in Rochester. It also has the fewest customer complaints overall, indicating that most customers are satisfied with its quality of service. However, the company lacks many coverage options beyond the basics, such as rental car coverage and accident forgiveness.

Unlike other insurance providers, West Bend Car Insurance offers combined coverage for your home and cars. It provides the same coverages for your vehicles and home as on standalone auto insurance, but under one premium. The company's Home and Highway policy also offers coverage for motorbikes, vintage or classic automobiles, motor homes and trailers.

You can add additional coverages to your Home and Highway insurance to safeguard your family when you're traveling, such as the TravelNet 24-hour emergency roadside.

Best Car Insurance in Rochester for Customer Service

The following providers have the best full coverage vehicle insurance in Rochester, regardless of cost:

  • West Bend Mutual: MoneyGeek score 70 out of 100 ($713 per year)
  • Western National: MoneyGeek score 70 out of 100 ($876 per year)

Overall, West Bend Mutual had the fewest customer complaints and the best reviews for handling claims. It strikes a good balance between price and value by providing affordable premiums compared to other providers.

How was this MoneyGeek score calculated?

West Bend Mutual

pros

1st place in customer satisfaction

1st place in claims management

Offers roadside assistance and classic car insurance

cons

Lacks OEM coverage and rental car reimbursement

COMPANY HIGHLIGHTS

West Bend auto insurance has a long history of offering top-notch client care and speedy claims management. The company is a good choice if you want one insurance policy for your home and car and prefer to work with an agent.

You can extend your Home and Highway insurance coverage to protect your family while you're on the road. One option is TravelNet's 24-hour emergency roadside service, a typical add-on many companies offer.

You can also sign up for the Home and Highway's Classic Car program for a small fee to get coverage for your classic car. You'll benefit from a reduced rate, no deductibles and the freedom to use your vehicle for purposes other than participating in parades or exhibitions.

However, West Bend does not offer many coverage add-ons that drivers need, such as rental car coverage, accident forgiveness and OEM coverage.

Best Cheap Car Insurance in Rochester

The following companies offer the most affordable policies with the best customer service for Rochester residents who want coverage that meets the minimum requirements in Minnesota:

  • Westfield: MoneyGeek score 84 out of 100 ($265 per year)
  • West Bend Mutual: MoneyGeek score 78 out of 100 ($306 per year)

While typically cheaper than full coverage plans, minimum coverage insurance offers relatively limited protection against liability fees or compensation for car damage in the event of an accident.

How was this MoneyGeek score calculated?

Westfield

pros

An affordable minimum coverage policy costs $265 per year

Discounts for not filing claims, defensive driving and bundles

Above-average claims management and customer satisfaction

cons

No paperless discounts

No new car replacement

COMPANY HIGHLIGHTS

Westfield offers speedy claims management and a high level of customer service at affordable prices. Although none are unique, Westfield gives a limited number of discounts for bundling, safe driving and not filing claims.

The company recently unveiled the MissionSafe discount, which rewards safe drivers. A smartphone application enables this coverage and uses telematics technology to analyze driving behavior, determine risk and calculate opportunities for premium discounts.

Policyholders can also get a discount if they insure their car and home with Westfield. Customers who complete an authorized driving course may qualify for a 10% discount. In addition, Westfield rewards clients who haven't made a claim in the last five years. New customers who join Westfield after three years with a previous carrier without a violation may also be entitled to a discount.

Average Cost of Car Insurance in Rochester

The typical annual cost of full coverage vehicle insurance for drivers in Rochester is $877. This equates to savings of $190 and $188 compared to the average cost of auto insurance in Minnesota ($1,077) and the average cost of auto insurance nationwide ($1,265) as of October 2022. These are the premiums for an insurance policy with full coverage, with bodily injury liability limits of $100,000 per person, $300,000 per accident and $100,000 in property damage. Location is one of many factors that affect the cost of insurance.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.