Best Rochester, MN Auto Insurance in 2024
The average driver can save up to 45 percent on cheap car insurance in Rochester, MN when compared to other cities. There are several factors that are considered in the price of a standard insurance polices and monthly premiums. The average driver in Rochester can see Rochester, MN auto insurance as cheap as $40 per month. Read this guide to determine what factors in your life exist that may adjust your insurance costs. We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Nov 6, 2024
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- The average cost of auto insurance is $113 per month in Minnesota, but can be as cheap as $36 a month in Rochester.
- Farmers, State Farm, and Nationwide insurance premiums range from $28 to $38 per month.
- Rochester is among the ten largest cities with the shortest commuting times.
Minnesota auto insurance requires residents to possess 30/60/10 in liability coverage. Liability insurance comes into play when the driver who owns it is at fault for an accident.
Drivers looking for cheap car insurance in Rochester, MN have several choices. The best Rochester, MN car insurance companies providing affordable rates are Allstate, Farmers, State Farm, Allied, and Nationwide. Farmers, in particular, offers some of the lowest Rochester, MN auto insurance monthly rates at $28.
There are strict minimum coverage rules for auto insurance in Rochester, Minnesota. If you get into a serious accident and/or are injured by an uninsured driver, this coverage can really come in handy.
With help from AutoInsuranceEZ.com, you could find the lowest cost insurance premiums close to you. To get free car insurance estimates available from the best providers today, provide your local ZIP code in the quote box in this posting.
What is the average cost of auto insurance in Minnesota?
Finding affordable Rochester, MN auto insurance quotes might seem difficult, as the average motorist in Minnesota pays $113 per month. However, living in Rochester can get you rates as low as $36 per month.
Minnesota Auto Insurance Coverage Requirements
| Coverage | Requirements | Most Common |
|---|---|---|
| Bodily Injury Liability | 30,000/60,000 | 100,000/300,000 |
| Property Damage Liability | 10,000 | 100,000 |
| Uninsured Motorist Bodily Injury | 25,000/50,000 | 100,000/300,000 |
| Personal Injury Protection | 40,000 | 40,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 0 deductible |
Below is a chart of the average monthly auto insurance premiums. You can use it to compare the cheapest car insurance in Minnesota.
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Rochester, MN Auto Insurance Rates by Company
Rochester, MN Average Monthly Auto Insurance Rates
Legend:
Rochester
Allstate
Farmers
State Farm
Allied
Nationwide
5
10
15
20
25
30
35
40
$38
$28
$40
$38
$37
Farmers, Nationwide, and Allstate Peterbilt Rochester, MN have some of the lowest auto insurance rates in Rochester. But who has the cheapest car insurance in Minnesota?
Remember, there is much more to auto insurance than paying the lowest premium. What if you have a bad customer service experience, or have trouble filing a claim because you went with the cheapest provider? You could consider a variety of companies in your area such as Progressive Insurance Rochester, Minnesota or State Farm Rochester, MN, but it’s important to think about these other factors before you switch companies.
Insurance companies consider numerous factors when figuring out Rochester, MN auto insurance quotes, such as where you live, type of vehicle owned, years of driving experience, and business use of the vehicle. Premiums also vary between different providers. To find out whether you’re still receiving the best rate, search for affordable Rochester, MN auto insurance on the web.
How much does auto insurance cost in Rochester?
There are many factors that determine your car insurance rate, but not all of them are out of your control.
The following video details some of the factors that influence your rates.
Auto Insurance Costs by City
Where you park your vehicle every night will majorly influence on your coverage rate. Auto insurance tends to cost less in rural regions, as a lower number of vehicles signifies a smaller chance you’ll get in a wreck with another vehicle. The population of Rochester is 110,742 and the median household earnings are $62,152 annually.
Minnesota Average Monthly Auto Insurance Rates by City
Legend:
Minneapolis
Bloomington
Duluth
Rochester
Saint Paul
Allstate
Farmers
State Farm
Allied
Nationwide
8
16
24
32
40
48
56
64
72
80
$76
$46
$42
$38
$74
$41
$32
$33
$28
$47
$77
$57
$40
$40
$77
$67
$48
$41
$38
$72
$79
$50
$43
$37
$83
Rochester Auto Insurance Costs by Violation History
As you can see in the chart below, accident statistics in Rochester are very low. This isn’t just good news for drivers in the area who want to avoid serious wrecks; insurance providers automatically lower premiums in ZIP codes with safe driving statistics. Find out what rates are in your area.
Fatal Accidents in Rochester, MN
Legend:
Rochester
Fatal accident count
Vehicles involved in fatal crashes
Fatal crashes involving drunk persons
Fatalities
Persons involved in fatal crashes
Pedestrians involved in fatal accidents
1
2
3
4
5
3
4
2
3
5
How Crime Statistics in Rochester, MN Effect Insurance
According to this news report, car thefts are on the rise in Rocheseter, MN.
Finding inexpensive car insurance can be difficult if you’re vulnerable to auto theft. Specific common vehicle models tend to be appealing to thieves, as well as vehicles that are often parked in big metropolitan areas. The total amount of stolen automobiles in Rochester was 103 in 2013, which is rather low. If you want to save a little each month, you might want to raise your comprehensive coverage deductible.
Rochester, MN Average Monthly Basic vs. Comprehensive Insurance Rates
Legend:
Basic Coverage
Comprehensive Coverage
Allstate
Farmers
State Farm
Allied
Nationwide
10
20
30
40
50
60
70
80
90
100
110
120
$38
$121
$28
$63
$40
$94
$38
$87
$37
$80
Rochester Auto Insurance Costs by Credit Level
Drivers with an excellent credit score, on average, pay less than half of what other drivers pay each month. In fact, your credit score is one of the most significant factors that determines your monthly premium.
Rochester, MN Average Monthly Auto Insurance Rates by Credit Score
Legend:
Excellent Credit
Poor Credit
Allstate
Farmers
State Farm
Allied
Nationwide
10
20
30
40
50
60
70
80
90
100
$32
$69
$29
$108
$33
$75
$33
$56
$39
$76
Auto Insurance Premiums by Age in Rochester
How much is full coverage auto insurance for a 23-year-old? Due to their age and lack of driving experience, young adults and teens will pay higher average premiums. However, there are ways to find cheap auto insurance rates for young drivers.
Rochester, MN Average Monthly Auto Insurance Rates by Age
Legend:
34 Year Old
17 Year Old
Allstate
Farmers
State Farm
Allied
Nationwide
25
50
75
100
125
150
175
200
225
250
$38
$94
$28
$273
$40
$126
$38
$130
$37
$164
Auto Insurance and Your Driving Record
If you have any blemishes on your driving record, you’re probably paying more for car insurance than other drivers with clean records.
Rochester, MN Average Monthly Auto Insurance Rates by Driving Record
Legend:
Perfect Record
Minor Speeding Ticket
DUI/Reckless Driving
Major At-Fault Accident
Allstate
Farmers
State Farm
Allied
Nationwide
15
30
45
60
75
90
105
120
135
150
$38
$47
$61
$61
$28
$36
$44
$43
$40
$45
$45
$49
$38
$60
$133
$77
$37
$63
$150
$83
Auto Insurance Costs by Vehicle
What is considered full coverage auto insurance in Minnesota? In most cases, full coverage auto insurance means you are carrying both liability and comprehensive auto insurance.
Not only are luxury cars expensive to purchase, they’re also expensive to insure. You will need to buy a more comprehensive policy and purchase coverage in larger amounts to properly protect your vehicle.
Rochester, MN Average Monthly Car Insurance Rates by Make/Model
Legend:
2015 Honda Accord
2012 Porsche Boxster Spyder
Allstate
Farmers
State Farm
Allied
Nationwide
15
30
45
60
75
90
105
120
135
150
$38
$159
$28
$80
$40
$111
$38
$85
$37
$77
Minor Factors in Cheap Car Insurance in Rochester, Minnesota
Rochester Car Insurance Premiums by Gender and Marital Status
Statistics show that there is no significant risk between genders. Insurance companies are taking this information and starting to charge men and women nearly equal rates.
If you are married, you and your spouse should consider bundling your insurance policies together, as you may apply for further discounts. You can also bundle additional insurance policies if your provider offers them.
Your Driving Distance to Work
The typical work commute in Rochester lasts between 14-23 minutes. For the most part, roads are easy to navigate, which is why more than three-quarters of drivers take their own vehicle to work. About 11 to 17 percent choose to carpool with coworkers.
Is your vehicle registered for business? If so, you may be paying too much to insure it. Business vehicles on average cost 10 to 12 percent more to insure than vehicles for personal use. Driving fewer miles to work or school each year will only save you around three to four percent.
Your Coverage and Deductibles
You might not give your deductible much thought, but it can save you significant money each month if you know how to work with it. The larger your deductible is, the less you will pay each month. Just keep in mind that, should you need to file a claim, you’ll be paying more.
Education in Rochester
An impressive 22 percent of Rochester’s population has earned a bachelor’s degree, which will likely yield them lower rates on their car insurance. An additional 21 percent of Rochester drivers have achieved their high school diploma or equivalent.
Located conveniently in the same area of University Center Rochester are two notable schools: Winona State University and the Rochester Community Technical College. Additionally, the University of Minnesota Rochester has a local campus downtown along with several other prestigious universities, such as the Minnesota School of Business, College of St. Scholastica, and Cardinal Stritch University.
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Unique Road Rules and Information in Rochester, Minnesota
Though drivers and passengers are required to wear seatbelts while in a vehicle, there are some odd exceptions to this rule in Rochester. No seatbelts are needed if a vehicle is operating in reverse, nor if you are riding in a vehicle in which all the other seats are taken by passengers using up all the seatbelts.
Outside of these (and five other exemptions under statute), all drivers and passengers must wear their seatbelts. Other safety requirements in Rochester state that children must be in a booster seat from ages four to eight, or until the child reaches 4 feet 9 inches.
The use of cellphones is outright banned in a teenager-operated vehicle.
In terms of impaired driving laws, Rochester follows the BAC of .08 percent being the legal limit of consumption while operating a vehicle and .04 percent for commercial drivers. First offenders may face up to 90 days in jail and/or a $1,000 fine. Their driving privileges will also be revoked for 90 days. Second-time DWI offenders may be required to surrender driving privileges for one to two years.
Car Insurance Rochester, Minnesota Agents
Are you looking for auto insurance companies in Rochester, Minnesota?
Some of the top insurance agencies in Rochester are Allstate, Steve Joswiak with State Farm, or Atlas Insurance Brokers.
There is much to consider when looking at auto insurance brokers in Rochester Minnesota, purchasing car insurance, and understanding exactly how Rochester, MN auto insurance companies determine your prospective risk might be challenging. Don’t allow the wrong insurance provider to talk you into buying the wrong policy.
What is an independent insurance agent?
An independent insurance agent sells policies with various insurance providers and receives a commission based on the policies sold. They are not associated with any one company.
How We Conducted Our Car Insurance Analysis
To create our auto insurance guides to purchasing insurance, we do our own research. We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Enter your ZIP code below to compare auto insurance rates.
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It’s All Come Together
Are you ready to buy Rochester, MN auto insurance? Now that we’ve broken down auto insurance in Rochester, MN, you’re ready to start shopping. Compare cheap auto insurance in Rochester by entering your ZIP code.