Buy Cheap Rochester, IL Auto Insurance (2021)

Rochester, IL auto insurance rates average $256 a month. Minimum auto insurance requirements in Rochester, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Rochester, IL, compare Rochester auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Rochester after a DUI is Allstate
  • The most expensive auto insurance company in Rochester is Allstate
  • Average auto insurance rates in Rochester, IL after a DUI are $3,572/year

Finding affordable Rochester, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Rochester, IL auto insurance with confidence is right here. Auto insurance rates in Rochester are affected by local factors as well as personal ones like your driving record.

See how Rochester, IL car insurance rates compare to Cicero auto insurance rates, Elgin auto insurance rates, and Chicago auto insurance rates before you read more about the cost of auto insurance in Rochester.

Don’t buy Rochester, IL auto insurance until you’ve compared rates. Get free Rochester, Illinois auto insurance quotes when you enter your ZIP code above.

Rochester, IL Minimum Auto Insurance Requirements

The required auto insurance in Rochester, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Rochester, Illinois is outlined here.

Minimum Required Auto Insurance Coverage in Rochester, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Find Cheap Rochester, IL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Rochester, IL. Take a look at Rochester, Illinois auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Rochester, Illinois

Insurance Company Poor Fair Good
Allstate $5,855 $4,218 $3,688
American Family $4,513 $3,071 $2,599
Farmers $4,920 $4,140 $3,938
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,076 $1,916 $1,528
Nationwide $3,142 $2,535 $2,223
Progressive $3,836 $3,261 $3,017
State Farm $3,618 $2,164 $1,678
Travelers $3,106 $2,509 $2,034
USAA $3,560 $2,446 $2,015

Buy Cheap Rochester, IL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Rochester, Illinois auto insurance rates? Find out how car insurance rates in Rochester, IL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Rochester, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,934 $2,948 $3,060 $3,060 $7,553 $9,811 $3,524 $3,807
American Family $2,115 $2,115 $1,937 $1,937 $5,956 $8,256 $2,115 $2,726
Farmers $2,314 $2,312 $2,051 $2,170 $9,988 $10,412 $2,646 $2,767
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,363 $1,471 $1,134 $1,264 $4,366 $4,850 $1,429 $1,514
Nationwide $1,694 $1,726 $1,508 $1,600 $4,571 $5,876 $1,964 $2,129
Progressive $1,945 $1,839 $1,606 $1,675 $7,095 $7,963 $2,325 $2,524
State Farm $1,536 $1,536 $1,382 $1,382 $4,547 $5,763 $1,741 $2,005
Travelers $1,602 $1,689 $1,465 $1,560 $4,700 $5,891 $1,699 $1,789
USAA $1,594 $1,622 $1,483 $1,462 $5,147 $5,676 $2,099 $2,307

Buy Cheap Rochester, IL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Rochester can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Rochester, IL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Rochester, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,553 $9,811
American Family $5,956 $8,256
Farmers $9,988 $10,412
GEICO $4,847 $5,129
Liberty Mutual $4,366 $4,850
Nationwide $4,571 $5,876
Progressive $7,095 $7,963
State Farm $4,547 $5,763
Travelers $4,700 $5,891
USAA $5,147 $5,676

Buy Cheap Rochester, IL Auto Insurance for Seniors

You can save on senior auto insurance rates in Rochester, Illinois by comparing Rochester senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Rochester, IL here.

Annual Auto Insurance Rates for Senior Drivers in Rochester, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,060 $3,060
American Family $1,937 $1,937
Farmers $2,051 $2,170
GEICO $1,521 $1,797
Liberty Mutual $1,134 $1,264
Nationwide $1,508 $1,600
Progressive $1,606 $1,675
State Farm $1,382 $1,382
Travelers $1,465 $1,560
USAA $1,483 $1,462

Find Cheap Auto Insurance Rates in Rochester, IL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Rochester, Illinois auto insurance. Compare Rochester, IL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Rochester, Illinois

Insurance Company Low Medium High
Allstate $4,446 $4,583 $4,733
American Family $3,274 $3,518 $3,391
Farmers $4,124 $4,232 $4,641
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,068 $2,170 $2,284
Nationwide $2,632 $2,652 $2,616
Progressive $3,126 $3,364 $3,625
State Farm $2,343 $2,492 $2,625
Travelers $2,400 $2,546 $2,702
USAA $2,494 $2,671 $2,856

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Find Cheap Rochester, IL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Rochester. Compare auto insurance rates in Rochester, IL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Rochester, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,587 $4,587
American Family $3,351 $3,438
Farmers $4,332 $4,332
GEICO $2,519 $2,617
Liberty Mutual $2,174 $2,174
Nationwide $2,633 $2,633
Progressive $3,372 $3,372
State Farm $2,423 $2,550
Travelers $2,449 $2,650
USAA $2,599 $2,749

Find Cheap Rochester, IL Auto Insurance Rates by Driving Record

Auto insurance rates in Rochester, Illinois are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Rochester, IL, take a look at the average cost for various violations versus rates for a clean driving record in Rochester.

Annual Rochester, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,298 $5,563 $5,175 $4,313
American Family $2,492 $3,557 $4,702 $2,827
Farmers $3,657 $4,717 $4,599 $4,357
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,815 $2,561 $2,260 $2,058
Nationwide $2,122 $2,746 $3,229 $2,437
Progressive $2,778 $4,126 $3,074 $3,508
State Farm $2,263 $2,710 $2,487 $2,487
Travelers $2,029 $2,665 $2,959 $2,545
USAA $1,907 $2,740 $3,750 $2,298

Find Cheap Rochester, IL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Rochester, Illinois is higher than for a clean driving record. You can buy auto insurance after a DUI in Rochester for less when you shop around and compare rates from multiple Rochester, IL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Rochester, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,175
American Family $4,702
Farmers $4,599
GEICO $3,482
Liberty Mutual $2,260
Nationwide $3,229
Progressive $3,074
State Farm $2,487
Travelers $2,959
USAA $3,750

Winners by Category: Where to Buy Cheap Auto Insurance in Rochester, IL

Compare rates from the cheapest auto insurance companies in Rochester, IL for your needs. Take a look at how Rochester, Illinois auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Rochester, Illinois

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident GEICO
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

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Find Cheap Rochester, Illinois Auto Insurance Companies

If you’re looking for the cheapest Rochester, IL auto insurance companies overall, you can compare them here. Find the best price for Rochester, Illinois car insurance by company.

Average Annual Auto Insurance Rates by Company in Rochester, Illinois

Insurance Company Average Annual Rates
Allstate $4,587
American Family $3,394
Farmers $4,332
GEICO $2,568
Liberty Mutual $2,174
Nationwide $2,633
Progressive $3,372
State Farm $2,487
Travelers $2,549
USAA $2,674

What affects Rochester, Illinois auto insurance rates?

Local factors affect auto insurance rates in Rochester, IL, including traffic, theft statistics, and commute length. Take a look at the things that impact Rochester auto insurance rates.

Commute Times in Rochester

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Rochester, IL is 21.1 minutes according to City-Data.

Traffic in Rochester

How is traffic in Rochester, Illinois? Inrix data shows that Rochester, IL traffic makes it the 252nd-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Rochester, IL

You can buy cheap Rochester, IL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Rochester, Illinois auto insurance quotes from top companies.

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