Compare the Cheapest Car Insurance Quotes in Rochester, MN

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.


Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 11/25/2022
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Finding the cheapest car insurance for you depends on the insurance and coverage you choose and on your driver profile. In Rochester, State Farm offers the cheapest full coverage and state minimum policies on average. It’s also the most affordable option for drivers with a speeding ticket. If you’re from a military family, USAA has the cheapest coverage in most instances. Overall, MoneyGeek rated Auto-Owners Insurance Co as the best car insurance for its balance of affordability and excellent customer service.

iconribbonbestauto insuranceRochester2022

The Cheapest and Best Car Insurance in Rochester

The Cheapest Car Insurance Companies in Rochester

The two companies offering the best average rates for a full coverage car insurance policy in Rochester are:

  • State Farm: $685 per year
  • Farmers: $704 per year

If you’re a veteran or currently serving in the military, you can opt for insurance through USAA, which offers the most affordable car insurance in Rochester at $656 yearly.

State Farm coverage costs 85% or $585 less than the same coverage from Progressive, the city’s most expensive car insurance company. A full coverage policy typically includes both comprehensive and collision insurance, though rates may change depending on your liability limits.

Cheapest Car Insurance in Rochester
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
  • 2.
    State Farm
  • 3.
  • 4.
    Auto-Owners Insurance Co
  • 5.
    American Family
  • 6.
  • 7.
  • 8.
  • 9.
  • 10.
  • 11.
    Country Financial
  • 12.

MoneyGeek collected average car insurance rates for a 40-year-old male driver with a full coverage policy as described in our methodology page.

Full coverage insurance protects you against the cost of damage to your car. It is more expensive than minimum coverage because it adds comprehensive or collision insurance to your liability insurance.

  • Comprehensive insurance: Covers damages to your vehicle that aren’t caused by an accident.
  • Collision insurance: Pays to repair damage to your vehicle if you are in an accident.

If you have an older car, you may wish to opt for liability-only or state minimum insurance. That way you can avoid full coverage premiums that may add up to more than the replacement value of your car.

Compare Car Insurance Rates in Rochester

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Rochester for Minimum Coverage

The cheapest car insurance available is always minimum coverage. The most affordable insurers for state minimum coverage or liability-only in Rochester are:

  • State Farm: $359 per year
  • Farmers: $414 per year

If you have a military background or come from a military family, USAA is the best option for a minimum coverage policy at an average of $310 per year.

State Farm offers minimum coverage policies that cost $394 less than Progressive’s, the most expensive insurance provider in the city. While minimum coverage has the cheapest rates, it also has low levels of liability coverage since it doesn’t include comprehensive and collision insurance.

To see how your costs can change with higher liability limits, check the table below.

Cheapest Minimum Liability Car Insurance in Rochester
State Minimum

Drivers in Minnesota are required by law to have state minimum liability coverage of 30/60/10. While this policy offers the cheapest option in the city, you risk not being fully covered.

For example, if you are at fault in an accident and the other driver’s medical bills are $40,000, your minimum coverage policy will only cover $30,000 of that amount. You’ll be responsible for the balance owing of $10,000.

Minnesota Minimum Liability Requirements

  • Item
  • 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.

Cheapest Car Insurance in Rochester if You Have Driving Violations

If you commit any traffic violations such as speeding, being at-fault in an accident or charged with a DUI, your auto insurance premiums will increase. Depending on your violation, the most affordable insurance providers in Rochester are:

  • Cheapest after a ticket: State Farm, $748 per year
  • Cheapest after an at-fault accident: State Farm, $811 per year
  • Cheapest after a DUI: State Farm, $748 per year

To reduce your premiums, you will have to improve your driving record over time. In the meantime, shopping around for quotes after a ticket or accident is best to find the cheapest car insurance for drivers with bad records.

Cheapest Car Insurance in Rochester With a Violation
Speeding Ticket

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.

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 auto insurance rates 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.

Compare Car Insurance Rates in Rochester

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

The Best Car Insurance Companies in Rochester

MoneyGeek identified the best car insurance providers in Rochester, Minnesota, based on average premiums, claims ratings and customer satisfaction.

Our analysis revealed that the companies occupying the top two spots are:

  • State Farm: MoneyGeek score of 92.2 out of 100
  • Auto-Owners Insurance Co: MoneyGeek score of 83.8 out of 100

If you have a military background, USAA is another solid option. This insurer received a MoneyGeek score of 97 out of 100, making it the best car insurance company in Rochester. However, we excluded it from our analysis because it only caters to military families.

State Farm




Claims Ratings


User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

With full coverage policies competitively priced at $685 per year on average, State Farm is MoneyGeek’s top pick in Rochester. The company earned the highest affordability score in the city and earned solid scores in the other categories as well. State Farm offers a unique rideshare insurance add-on.

More About State Farm

If you’re an independent contractor for a ridesharing company like Uber or Lyft, rideshare coverage ensures that your personal auto policy remains in effect while you’re driving. But be aware of the added cost this brings to your premium, which could be anywhere from 15%–25% extra. With this coverage in place, you’ll receive medical, emergency roadside assistance and rental car reimbursement while driving for a TNC. State Farm also offers standalone roadside assistance and rental car and/or travel reimbursement coverage add-ons.

Read MoneyGeek's State Farm auto Insurance Review
Auto-Owners Insurance Co




Claims Ratings


User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

Receiving top marks on stability, customer satisfaction and claims resolution, Auto-Owners is MoneyGeek’s second pick in Rochester. Its full coverage policies are priced at $810 per year on average. Auto-Owners offers the option for diminished value coverage.

More About Auto-Owners Insurance Co

Auto-Owners’ diminished value coverage extends your protection by ensuring that you’re compensated for a reduction in your car’s value after it is damaged or totaled. Its new car replacement coverage will cover the cost of buying a brand new car of the same make and model if your car is totaled. Meanwhile, gap insurance covers the difference between your car’s current value and the amount you still owe on it if your car is damaged.

Read MoneyGeek's Auto-Owners Insurance Co auto Insurance Review

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 Code
    State Minimumper year
  • 55901
  • 55904

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.

accident2 icon
Most Accidents With Fatalities245th/300
handcuffs2 icon
Most Car Thefts7th/300
uninsured icon
Most Uninsured Motorists by State27th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall170th/300
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Most Rainy Days122nd/300

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.