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.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
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.
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
- Company100/300/100per year
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.
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
- CompanyState Minimumper year
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
- 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
- CompanySpeeding Ticketper year
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
The Best Car Insurance Companies in Rochester
MoneyGeek used a unique ranking system to assess and rate the top insurers in Rochester. Based on our study, the two best auto insurance providers in the city that provide a good balance of affordability and quality customer service are:
- Auto-Owners Insurance Co: 97.5 out of 100 points
- GEICO: 92.5 out of 100 points
With a score of 100 out of 100, USAA was rated the best overall car insurance company in Rochester. However, only current and retired military personnel and their families are eligible to purchase its policies, so it was not included in our list.
MoneyGeek ranked these car insurance companies using several factors, such as insurer financial stability, customer satisfaction and affordability. We used multiple resources in our analysis, including findings by consumer intelligence company J. D. Power.
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.