Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

Full Bio →

Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Yearshttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/autoinsuranceez-live/2020/03/92dadfeb-rachael-brennan.jpg

UPDATED: Oct 25, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Can't-Miss Facts

  • 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
CoverageRequirementsMost Common
Bodily Injury Liability30,000/60,000100,000/300,000
Property Damage Liability10,000100,000
Uninsured Motorist Bodily Injury25,000/50,000100,000/300,000
Personal Injury Protection40,00040,000
CollisionNot required500 deductible
ComprehensiveNot required0 deductible
Get Your Rates Quote Now

Below is a chart of the average monthly auto insurance premiums. You can use it to compare the cheapest car insurance in Minnesota.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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 view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.