Buy Cheap Rochester, IN Auto Insurance (2021)

Rochester, IN auto insurance rates average $263 a month. Minimum auto insurance requirements in Rochester, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Rochester, IN, 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 Liberty Mutual
  • Average auto insurance rates in Rochester, IN for teens drivers are $6,120/year
  • The most expensive auto insurance company in Rochester is Liberty Mutual

Finding affordable Rochester, Indiana auto insurance can be challenging, but everything you need to know to buy cheap Rochester, IN 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, IN car insurance rates compare to Gary auto insurance rates, Evansville auto insurance rates, and Indianapolis auto insurance rates before you read more about the cost of auto insurance in Rochester.

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

Rochester, IN Minimum Auto Insurance Requirements

The required auto insurance in Rochester, IN is 25/50/25 according to the auto insurance laws in Indiana. The minimum auto insurance in Rochester, Indiana is outlined here.

Minimum Required Auto Insurance Coverage in Rochester, Indiana

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

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Find Cheap Rochester, IN Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Rochester, Indiana

Insurance Company Poor Fair Good
Allstate $4,490 $3,336 $3,036
American Family $4,953 $3,229 $2,706
Farmers $3,677 $2,994 $2,773
GEICO $2,688 $2,234 $1,780
Liberty Mutual $7,780 $5,064 $4,683
Nationwide $2,892 $2,446 $2,285
Progressive $4,107 $3,629 $3,419
State Farm $3,381 $2,016 $1,563
Travelers $3,336 $2,824 $2,821
USAA $2,075 $1,367 $1,171

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

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

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

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 $2,266 $2,326 $1,988 $2,178 $6,808 $8,593 $2,305 $2,503
American Family $2,307 $2,307 $2,063 $2,063 $6,152 $8,981 $2,307 $2,854
Farmers $1,439 $1,420 $1,233 $1,384 $7,640 $8,139 $1,888 $2,041
GEICO $1,534 $1,521 $1,431 $1,480 $4,461 $4,147 $1,750 $1,547
Liberty Mutual $3,986 $3,986 $3,662 $3,662 $8,754 $13,230 $3,986 $5,473
Nationwide $1,577 $1,616 $1,383 $1,480 $4,523 $5,889 $1,843 $2,018
Progressive $1,598 $1,519 $1,446 $1,456 $9,254 $10,427 $2,002 $2,047
State Farm $1,451 $1,451 $1,284 $1,284 $4,249 $5,467 $1,601 $1,774
Travelers $1,106 $1,126 $1,035 $1,034 $6,654 $10,467 $1,167 $1,359
USAA $985 $972 $914 $925 $2,708 $3,035 $1,333 $1,432

Buy Cheap Rochester, IN 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, IN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Rochester, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,808 $8,593
American Family $6,152 $8,981
Farmers $7,640 $8,139
GEICO $4,461 $4,147
Liberty Mutual $8,754 $13,230
Nationwide $4,523 $5,889
Progressive $9,254 $10,427
State Farm $4,249 $5,467
Travelers $6,654 $10,467
USAA $2,708 $3,035

Buy Cheap Rochester, IN Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Rochester, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,988 $2,178
American Family $2,063 $2,063
Farmers $1,233 $1,384
GEICO $1,431 $1,480
Liberty Mutual $3,662 $3,662
Nationwide $1,383 $1,480
Progressive $1,446 $1,456
State Farm $1,284 $1,284
Travelers $1,035 $1,034
USAA $914 $925

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

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

Annual Auto Insurance Rates by Coverage Level in Rochester, Indiana

Insurance Company Low Medium High
Allstate $3,445 $3,607 $3,811
American Family $3,604 $3,750 $3,534
Farmers $3,035 $3,141 $3,268
GEICO $2,089 $2,228 $2,385
Liberty Mutual $5,656 $5,828 $6,043
Nationwide $2,587 $2,520 $2,516
Progressive $3,495 $3,656 $4,005
State Farm $2,213 $2,319 $2,428
Travelers $2,945 $3,021 $3,015
USAA $1,486 $1,534 $1,594

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Find Cheap Rochester, IN 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, IN by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Rochester, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,621 $3,621
American Family $3,585 $3,673
Farmers $3,148 $3,148
GEICO $2,193 $2,275
Liberty Mutual $5,687 $5,998
Nationwide $2,541 $2,541
Progressive $3,719 $3,719
State Farm $2,253 $2,387
Travelers $2,994 $2,994
USAA $1,517 $1,558

Find Cheap Rochester, IN Auto Insurance Rates by Driving Record

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

Annual Rochester, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,906 $4,244 $3,899 $3,434
American Family $2,501 $3,991 $5,046 $2,979
Farmers $2,817 $3,284 $3,381 $3,110
GEICO $1,471 $2,307 $3,115 $2,043
Liberty Mutual $4,572 $5,380 $8,386 $5,033
Nationwide $2,185 $2,817 $2,701 $2,461
Progressive $2,787 $4,883 $3,324 $3,880
State Farm $2,268 $2,476 $2,268 $2,268
Travelers $2,543 $3,143 $3,561 $2,727
USAA $1,164 $1,651 $1,894 $1,443

Find Cheap Rochester, IN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Rochester, Indiana 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, IN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Rochester, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,899
American Family $5,046
Farmers $3,381
GEICO $3,115
Liberty Mutual $8,386
Nationwide $2,701
Progressive $3,324
State Farm $2,268
Travelers $3,561
USAA $1,894

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

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

Best Annual Auto Insurance Rates by Company in Rochester, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Find Cheap Rochester, Indiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Rochester, Indiana

Insurance Company Average Annual Rates
Allstate $3,621
American Family $3,629
Farmers $3,148
GEICO $2,234
Liberty Mutual $5,842
Nationwide $2,541
Progressive $3,719
State Farm $2,320
Travelers $2,994
USAA $1,538

What affects Rochester, Indiana auto insurance rates?

Local factors affect auto insurance rates in Rochester, IN, 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, IN is 18.4 minutes according to City-Data.

Traffic in Rochester

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

Compare Auto Insurance Quotes in Rochester, IN

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

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