Rochester, MN Car Insurance

Rochester drivers pay, on average, around $75 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Compared to their surrounding area, how do rates in Rochester stack up? What about against the rest of Minnesota? How much can residents of Rochester expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Rochester?

Area Average Monthly Car Insurance Premium
Rochester$75
MN$97
United States$80

Car insurance coverage in Rochester is about $22 cheaper than it is in the rest of Minnesota.

Similarly, when compared to the national average, the cost for auto insurance in Rochester is lower. The average monthly payment in Rochester is about $5 less than the rate for the rest of the U.S.

Bear in mind that while these rates are the average costs for residents of Rochester, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Rochester and broken down the different factors to help you understand what your policy's monthly premium will be. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$113
25-34$60
35-44$63
45-54$62
55-64$56
65+$55

The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates rise again in Rochester.

Average Car Insurance Rates by Gender

Gender Average
Male$75
Female$76

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Rochester, however, men actually pay slightly less than female drivers for auto insurance.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$98
Multiple Accidents$91
1 Ticket$106
Multiple Tickets$120

Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay much less than those with infractions. In Rochester, drivers with one accident on their record will experience rates around $98 a month. In addition, drivers with a single ticket on their record can expect to pay around $106 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$77
2-3 Years$65
4-5 Years$71
6-7 Years$71
8-10 Years$87
11-14 Years$72
15 Years or Older$78

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Rochester, with drivers paying around $72 per month for auto insurance.

Car and SUVs, however, both cost about the same amount for insurance coverage -- around $76 a month.

Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. The most expensive vehicles to insure in Rochester are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$82
Married$55
Divorced$52
Widowed$27

Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Rochester, with married couples paying about $27 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$61
Rent$79
Live with parents$188

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $18 a month more than if you own your own home in Rochester. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.

Car Insurance Companies in Rochester, MN

Recent trends in car insurance for Rochester drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

Insurance rates in Rochester have been mixed recently. They increased in 2016, dropped in 2018, and rose again in 2020, before finishing at $97 in 2021.

How does Rochester compare to neighboring areas?

Why are car insurance rates in Rochester different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Area laws
  • Road Safety (how many accidents each locality has)
  • Availability of off-street parking
  • Area crime rates
  • Number of drivers

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Rochester?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Rochester.

Compare the cheapest quotes from dozens of insurance companies

Rochester Insurance FAQs

What factors affect car insurance quotes in Rochester?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Rochester different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Rochester?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Rochester?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Rochester or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes