Buy Cheap Rochester, MN Auto Insurance (2022)

Rochester, MN auto insurance rates average $353 a month. Minimum auto insurance requirements in Rochester, Minnesota are 30/60/10 to comply with Minnesota laws. To buy cheap auto insurance in Rochester, MN, 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 overwhelming world o...

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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

  • Average auto insurance rates in Rochester, MN for teens drivers are $6,716/year
  • Average auto insurance rates in Rochester, MN after a DUI are $5,782/year
  • The most expensive auto insurance company in Rochester after a DUI is Liberty Mutual

Finding affordable Rochester, Minnesota auto insurance can be challenging, but everything you need to know to buy cheap Rochester, MN 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, MN car insurance rates compare to Rochester auto insurance rates, St. Cloud auto insurance rates, and Maple Grove auto insurance rates before you read more about the cost of auto insurance in Rochester.

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

Rochester, MN Minimum Auto Insurance Requirements

The required auto insurance in Rochester, MN is 30/60/10 according to the auto insurance laws in Minnesota. The minimum auto insurance in Rochester, Minnesota is outlined here.

Minimum Required Auto Insurance Coverage in Rochester, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Rochester, MN Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Rochester, Minnesota

Insurance Company Poor Fair Good
Allstate $6,173 $3,370 $3,129
American Family $4,669 $3,123 $2,517
Farmers $3,474 $2,534 $2,369
GEICO $4,043 $3,309 $2,755
Liberty Mutual $17,306 $11,191 $8,745
Nationwide $3,501 $2,841 $2,518
State Farm $2,958 $1,809 $1,319
USAA $4,196 $2,061 $1,799

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

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

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

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 $2,789 $2,789 $2,682 $2,682 $6,464 $9,424 $3,387 $3,573
American Family $2,174 $2,174 $1,971 $1,971 $5,953 $8,621 $2,174 $2,453
Farmers $1,792 $1,791 $1,719 $1,826 $5,241 $5,306 $2,358 $2,305
GEICO $2,513 $2,490 $2,390 $2,324 $5,486 $6,941 $2,351 $2,457
Liberty Mutual $8,820 $8,820 $8,734 $8,734 $17,269 $25,870 $8,820 $12,244
Nationwide $1,937 $1,946 $1,725 $1,829 $5,184 $6,306 $2,299 $2,402
State Farm $1,480 $1,480 $1,332 $1,332 $3,342 $4,133 $1,725 $1,407
USAA $1,765 $1,746 $1,611 $1,602 $4,787 $5,233 $2,301 $2,439

Buy Cheap Rochester, MN 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, MN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Rochester, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,464 $9,424
American Family $5,953 $8,621
Farmers $5,241 $5,306
GEICO $5,486 $6,941
Liberty Mutual $17,269 $25,870
Nationwide $5,184 $6,306
State Farm $3,342 $4,133
USAA $4,787 $5,233

Buy Cheap Rochester, MN Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Rochester, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,682 $2,682
American Family $1,971 $1,971
Farmers $1,719 $1,826
GEICO $2,390 $2,324
Liberty Mutual $8,734 $8,734
Nationwide $1,725 $1,829
State Farm $1,332 $1,332
USAA $1,611 $1,602

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

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

Annual Auto Insurance Rates by Coverage Level in Rochester, Minnesota

Insurance Company Low Medium High
Allstate $4,169 $4,221 $4,282
American Family $3,420 $3,530 $3,359
Farmers $2,688 $2,804 $2,884
GEICO $3,251 $3,369 $3,487
Liberty Mutual $12,110 $12,423 $12,709
Nationwide $2,779 $2,980 $3,101
State Farm $1,940 $2,037 $2,110
USAA $2,605 $2,684 $2,768

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

Annual Auto Insurance Rates by Commute Length in Rochester, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,224 $4,224
American Family $3,396 $3,476
Farmers $2,792 $2,792
GEICO $3,323 $3,415
Liberty Mutual $12,052 $12,775
Nationwide $2,953 $2,953
State Farm $1,974 $2,084
USAA $2,651 $2,720

Find Cheap Rochester, MN Auto Insurance Rates by ZIP Code

Auto insurance rates in Rochester, Minnesota can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Rochester, MN to see how much where you live in Rochester affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Rochester, Minnesota

ZIP Code Average Annual Rates
55901 $3,205
55902 $3,251
55904 $3,257
55906 $3,260

Find Cheap Rochester, MN Auto Insurance Rates by Driving Record

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

Annual Rochester, Minnesota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,009 $4,447 $5,443 $3,996
American Family $2,306 $4,169 $4,656 $2,614
Farmers $2,393 $3,010 $3,049 $2,716
GEICO $2,250 $3,557 $5,257 $2,411
Liberty Mutual $9,037 $12,452 $18,420 $9,746
Nationwide $2,361 $3,109 $3,561 $2,783
State Farm $1,853 $2,205 $2,029 $2,029
USAA $1,991 $2,543 $3,839 $2,368

Find Cheap Rochester, MN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Rochester, Minnesota 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, MN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Rochester, Minnesota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,443
American Family $4,656
Farmers $3,049
GEICO $5,257
Liberty Mutual $18,420
Nationwide $3,561
State Farm $2,029
USAA $3,839

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

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

Best Annual Auto Insurance Rates by Company in Rochester, Minnesota

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

Find Cheap Rochester, Minnesota Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Rochester, Minnesota

Insurance Company Average Annual Rates
Allstate $4,224
American Family $3,436
Farmers $2,792
GEICO $3,369
Liberty Mutual $12,414
Nationwide $2,953
State Farm $2,029
USAA $2,685

What affects Rochester, Minnesota auto insurance rates?

Local factors affect auto insurance rates in Rochester, MN, 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, MN is 16.5 minutes according to City-Data.

Traffic in Rochester

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

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Compare Auto Insurance Quotes in Rochester, MN

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

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