Compare Rochester, IN Car Insurance Rates (2021)

Car insurance in Rochester, IN averages $263 a month. Rochester, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Rochester car insurance rates, compare quotes from the top car insurance companies in Rochester, IN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Rochester for teen drivers is USAA
  • The cheapest car insurance company in Rochester is USAA
  • Average car insurance rates in Rochester, IN after a DUI are $3,757/year

If you need to buy Rochester, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Rochester, IN is right here.

You’ll find Rochester car insurance rates, the cheapest Rochester, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Rochester, Indiana car insurance rates to Hammond car insurance rates, Indianapolis car insurance rates, and Carmel car insurance rates.

Ready to find affordable Rochester, IN car insurance today? Enter your ZIP code for fast, free Rochester car insurance quotes.

Cheapest Rochester, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Rochester, IN car insurance rates? Every Rochester, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Rochester, IN

Every driver must carry the minimum car insurance in Rochester, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car 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

Cheapest Rochester, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Rochester, IN. Compare credit history car insurance rates in Rochester from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Rochester, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Rochester, IN to rates for a clean record with top companies.

Annual Rochester, Indiana Car 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

Cheapest Rochester, IN Car Insurance for Teen Drivers

Teen car insurance in Rochester, IN can be expensive. Take a look at rates from the top car insurance companies in Rochester for teenagers.

Annual Car 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

Cheapest Rochester, IN Car Insurance for Seniors

Take a look at Rochester, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Rochester, IN Car Insurance Rates After a DUI

A DUI in Rochester, IN increases car insurance rates. Compare Rochester, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Rochester, Indiana

Insurance Company Annual Car 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

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Cheapest Rochester, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Rochester, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

The Best Cheap Car Insurance Companies in Rochester, IN

Take a look at a side-by-side comparison of the top car insurance companies in Rochester, IN to find the best option for your needs.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Rochester, Indiana

Find the cheapest car insurance companies in Rochester, IN for each category right here.

Best Annual Car 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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Cheapest Rochester, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Rochester car insurance rates. Find the cheapest Rochester, IN car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Rochester, Indiana?

What factors can have an impact on Rochester, IN car insurance? There are several reasons why Rochester car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Rochester, Indiana.

Commute Time in Rochester

The more time you spend in your car the higher the risk of an accident. The average commute length in Rochester, IN is 18.4 minutes according to City-Data.

Traffic in Rochester

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Rochester, IN traffic data from INRIX ranks Rochester as the 252nd-most congested in the world.

Compare Car Insurance Quotes in Rochester, IN

Ready to find affordable Rochester, Indiana car insurance today? Enter your ZIP code for fast, free Rochester, IN car insurance quotes.

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Average Monthly Car Insurance Rates by State