Cheapest and Best Car Insurance Companies in Rochester, MN

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.