Compare Rochester, MN Car Insurance Rates (2021)

Car insurance in Rochester, MN averages $353 a month. Rochester, Minnesota car insurance requirements are 30/60/10, 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, MN.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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.

Here's What You Need to Know

  • The cheapest ZIP code in Rochester is 55901
  • Average car insurance rates in Rochester, MN after a DUI are $5,782/year
  • Average car insurance rates in Rochester, MN are $4,238/year

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

You’ll find Rochester car insurance rates, the cheapest Rochester, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Rochester, Minnesota car insurance rates to Duluth car insurance rates, St. Cloud car insurance rates, and Rochester car insurance rates.

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

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

How do age, gender, and marital status affect Rochester, MN car insurance rates? Every Rochester, Minnesota 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, 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Rochester, MN

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

Minimum Required Car 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

Cheapest Rochester, MN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Rochester, MN. 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, 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

Cheapest Rochester, MN 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, MN to rates for a clean record with top companies.

Annual Rochester, Minnesota Car 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

Cheapest Rochester, MN Car Insurance for Teen Drivers

Teen car insurance in Rochester, MN 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, 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

Cheapest Rochester, MN Car Insurance for Seniors

Take a look at Rochester, MN 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, 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

Cheapest Rochester, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Rochester, Minnesota

Insurance Company Annual Car 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Rochester, MN Car Insurance Rates by Commute Length

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

Annual Car 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

Cheapest Rochester, MN Car Insurance Rates by ZIP Code

Rochester car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Rochester, MN.

Annual Car 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

The Best Cheap Car Insurance Companies in Rochester, MN

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

Average Annual Car 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Rochester, Minnesota

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

Best Annual Car 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

Cheapest Rochester, MN 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, MN car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Rochester, Minnesota?

What factors can have an impact on Rochester, MN 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, Minnesota.

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, MN is 16.5 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, MN traffic data from INRIX ranks Rochester as the 252nd-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Rochester, MN

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption