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In the market for cheap auto insurance in Rochester, MN? From, 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 zipcode in the quote box in this posting.

Rochester is located in the heart of Olmsted County, right along the Zumbro River. Originally founded as a convenient stop between Saint Paul and Iowa, the city soon developed a rich culture and historical significance. It is a well-known town for historical buildings, including Avalon Music and the former site of the Chateau Theatre.

  • Fun fact: Rochester drivers must save lots of money on gas each year, considering that they’re #9 on the list of “Top 100 cities with shortest commuting times (pop. 50,000+)”. Learn more about Rochester, MN.

Auto Insurance Coverage Requirements in Minnesota

Driving legally in Rochester requires:

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

It’s true; Minnesota state minimum insurance coverage has stricter requirements than other states. But that mainly comes in the form of Uninsured and Medical Payments coverage. And if you ever get into a serious accident and/or are injured by an uninsured driver, this coverage can really come in handy.

Finding affordable insurance in Rochester might seem difficult, what with the average motorist paying $113 per month in Minnesota. But living in your city can get you rates as low as $36/mo*! We’ll be happy to show you how to get the lowest rate possible.

Average Monthly Auto Insurance Premiums 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 have some of the lowest rates in Rochester today. But remember that there is much more to automobile 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? Be sure to think about these important elements before you switch companies.

Auto insurance providers contemplate numerous factors when figuring out insurance quotes, like driving experience, where you live, type of vehicle owned, years of driving experience, and business use of the vehicle. In addition, premiums vary from provider to provider. To find out whether you’re still receiving the best rate, review cheap Rochester auto insurance rates on the web.

Major Car Insurance Factors in Rochester

There are many ways your car insurance rate can be estimated. But not all of it is out of your control; there are things you can do in order to control which discounts you are entitled to receive. Listed here are some of these elements in greater detail:

  • Your Zip Code

Where you store your vehicle every night will probably have a major influence on your car insurance rate. Generally, auto insurance cost less in rural regions simply because a lower number of vehicles signifies a smaller chance that you’ll get in a wreck with another vehicle. The population of Rochester is 110,742 and also the median household earnings are $62,152 annually.

Auto Insurance by Zip Code 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


  • Automotive Accidents

As you can see from the chart below, serious accidents in Rochester are very low. And 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.

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


  • Auto Thefts in Rochester

Finding inexpensive auto insurance can be difficult if you’re vulnerable to auto theft. Specific common vehicle models tend to be appealing to thieves, and also vehicles that are parked often in big metropolitan areas. The full amount of stolen automobiles in Rochester was 103 back in the year 2013, which is still pretty low. If you want to save a little each month, you might want to raise your Comprehensive coverage deductible (we’ll talk more about it later).

Basic vs. Comprehensive Auto Policy 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


  • Your Credit Score

Take a look at the chart below. Drivers with an excellent credit score, on average, are paying less than half of what other drivers pay each month. In fact, your credit score is one of the most significant factors which determines your monthly premium.

Auto Insurance 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


  • Your Age

Trying to find coverage for a young driver? Well, unfortunately, you’re fighting an uphill battle. Because of their youth and lack of driving experience, they are much more likely to get into an accident. And average insurance premiums for teenage drivers are much more expensive because of it.

Auto Policy Age Comparison 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


  • Your Driving Record

Got a ticket or two on your record? Then you’re probably paying more than you should be for automotive insurance. This is especially true if there are providers near you who offer Accident Forgiveness discounts, but your current insurer does not.

Driving Violations 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


  • Your Vehicle

Luxury cars aren’t just expensive by themselves – they’re also expensive to insure. The reason for this is because you need to buy a more comprehensive policy, and you need to also purchase coverage in larger amounts in order to properly protect your vehicle.

Car Insurance 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 Car Insurance Factors in Rochester

Don’t worry, there are other factors you can adjust to change your monthly premium:

  • Your Marital Status

Are you married? Do you and your spouse bundle your insurance policies together? If not, then you should consider doing so, because you can get some serious discounts that way. You can even bundle additional insurance policies if your provider offers them.

  • Your Gender

It might seem unlikely to some, but statistics show that there is no significant risk between genders. Luckily, insurance companies are taking this information and starting to charge men and women nearly equal rates.

  • Your Driving Distance to Work

Your typical commute to work should last you 14-23 minutes easily in Rochester. 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 11-17% still like to ride with their coworkers in a carpool, though.

Is your vehicle registered for business? Then you might be paying too much to insure it. Business vehicles on average cost 10-12% more to insure than vehicles for personal use. And driving fewer miles to work or school each year will only save you around 3-4%.

  • Your Coverage and Deductibles

You might not give your deductible much thought, but it can bring you huge savings each month if you know how to work with it. The larger your deductible is, the less you will pay each month. But just keep in mind that, should you need to file a claim, you’ll have to fork over that cash.

  • Education in Rochester, MN

When it comes to saving money on auto insurance, Rochester residents are in luck. An impressive 22% of the city’s population has earned a bachelor’s degree, which will likely yield them lower rates on their car insurance – even lower than having a good job or a really high salary. Also, 21% of Rochester drivers have achieved their high school diploma or equivalent.

Located conveniently in the same area of University Center Rochester are two important 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.

Obtaining reasonably priced automobile insurance might end up being a problem. There’s lots of important information to contemplate, and understanding exactly how insurance companies examine your prospective risk might be challenging. But try not to permit the wrong insurance provider talk you into buying the wrong policy.

How We Conducted Our Car Insurance Analysis

*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.


Minnesota Department of Commerce – Insurance Division

Minnesota Department of Commerce – Banking & Finance

Department of Highway Safety and Motor Vehicles

Compare Auto Insurance Rates in Rochester, Minnesota – See How Much You Can Save

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