Rochester's average annual car insurance premium is $920, which is lower than the state average of $1,199. State Farm is the cheapest insurer, according to MoneyGeek's analysis of car insurance companies in Rochester. MoneyGeek rated the best car insurance companies in Rochester to help you find an insurer that offers a balance of affordability and great service. We based our rating on the coverage level and certain driver profiles.
Compare the Cheapest Car Insurance Quotes in Rochester
The Cheapest and Best Car Insurance in Rochester
The Cheapest Car Insurance Companies in Rochester
If you need a full coverage car insurance policy in Rochester, the following two companies can provide you with the best rates:
- USAA: $656 per year (only serving current and former military members and families)
- State Farm: $685 per year
When looking for the best car insurance, affordability is certainly a high consideration. The cheapest insurance provider in Rochester is USAA, but it isn't available for everyone (because it is only available to current and former military members and their families). That makes Farmers the cheapest widely available insurer for the drivers in Rochester, while Progressive offers the most expensive quote. For a similar policy, Progressive quotes $585 more or 65.4% more than the quote from State Farm.
The rates were calculated for a full coverage policy quoted for a 40-year-old male driver. The policy includes liability-only coverage for injury and damages caused to others or their property, as well as comprehensive and accident coverage that covers your injuries and damages to your vehicle.
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Average Cost of Car Insurance in Rochester
Rochester has a lower annual average car insurance rate than the state and national averages. The average cost of auto insurance in Rochester is $920 per year. This is 23.3% less than the state average of $1,199 per year, and 35.4% lower than the national annual average of $1,424.
The Best Car Insurance Companies in Rochester
To assess and rate the top car insurance companies in Rochester, MoneyGeek used a unique ranking system. Our analysis of the best car insurance companies will assist you in locating one that provides a good balance of affordability and quality service. The two best auto insurance providers in Rochester, according to MoneyGeek, are:
- Auto-Owners Insurance: 97.5 out of 100 points
- GEICO: 92.5 out of 100 points
To rate the auto insurance providers, MoneyGeek used important factors like J.D. Power's consumer satisfaction, affordability and financial stability. With a score of 100 out of 100, USAA was rated the best car insurance company in Rochester. However, since the company only serves current and retired military personnel and their families, MoneyGeek did not list it as the best overall insurer for the city.
Personalized Quotes to Get You the Cheapest Car Insurance in Rochester
Age, gender, location/ZIP code, driving record, credit score, coverage level, car make and model as well as miles driven per year are some of the factors that affect the auto insurance rates in Rochester. Try to get regular personalized quotes from each insurance company you might want, for comparison.
For instance, if you're a 40-year-old male driver from Rochester, State Farm will offer you an average annual rate of $685. A change in any of the factors listed above will cause the insurance quote to increase or decrease.
Insurance companies occasionally give discounts or rebates on their car insurance policies. You can get the best car insurance rates if you compare car insurance quotes in Rochester from various companies regularly. Frequently checking the rates will also let you know whether you are eligible for any deals offered by the companies.
Shopping around for car insurance in Rochester could save you $235, which is enough to buy:
Cheapest Car Insurance in Rochester by Coverage Amount
In Rochester and elsewhere, the amount of coverage you purchase has a major impact on the cost of insurance. For a policy that meets the state's minimum requirements, car drivers in Rochester will have to pay an average of $502 per year. And a full coverage policy with higher liability limits costs $418 extra or $920 per year on average.
Minnesota Minimum Liability Requirements
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$40,000 per person.
While looking for an affordable car insurance policy, you must not forget to check what level of coverage will be appropriate for your needs. If finding the cheapest insurance is your priority, State Farm offers a state-minimum liability-only policy for $359 per year on average, which is the lowest rate you can find in Rochester.
A liability-only policy with a 50/100/50 coverage or a full coverage policy with a 50/100/50 or 100/300/100 coverage offers additional protection. With a liability-only policy, you get coverage for injuries and damages to other people or property if you are found to be faulty for the accident. A 50/100/50 policy provides up to $50,000 per person, $100,000 for all parties involved in the accident and a $25,000 property damage limit. A full coverage policy is more expensive because it covers all crash-related damages and protects your car against theft, fire, vandalism, and natural disasters.
For drivers from Rochester, a full coverage State Farm policy costs nearly $249 more per year than a 50/100/50 liability-only policy. In comparison, a full coverage policy with higher liability limits is available for an additional $284 per year on average.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Rochester if You Have Driving Violations
If you have a clean driving record, car insurance companies in Rochester might consider you eligible for lower insurance rates. However, if you have one or two traffic violations on your record, such as speeding, being at fault in an accident, or DUI (driving under the influence), you can expect to pay higher car insurance premiums than a person with a clean record.
For a driver with a clean driving record with no violations, a State Farm car insurance policy will cost an average of $685 per year. But with a speeding ticket or a DUI on your driving record, you can expect to pay $63 more for the same policy, on average. And if the offense is an at-fault accident, State Farm will quote you $126 more per year on average for a similar policy.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Your ZIP code or the neighborhood in which you live affects your car insurance quote. Risk factors like car thefts, accidents and claims history can be different for each neighborhood. Insurance companies analyze these risk factors into account before giving their quote. They may charge you more for auto insurance if you live in one of the high-risk ZIP codes. Likewise, if you are from a low-risk ZIP code, you may qualify for lower auto insurance rates.
ZIP codes can also affect the average auto insurance rates in Rochester. MoneyGeek compared two Rochester ZIP codes and found that residents of ZIP code 55901 will pay an average of $917 for auto insurance per year, which is only $6 more than what the residents of ZIP code 55904 pay on average. Although the difference is negligible, the scenario is subject to change based on updated crime and accident statistics.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Rochester
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the rate of car thefts also contribute to car insurance rates in Rochester. How Rochester ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Rochester are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.