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How much is car insurance in Rochester?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $17 a month cheaper to insure your vehicle in Rochester than it is in the rest of Minnesota.
Drivers relocating from out of state may enjoy some cost savings in Rochester. The average monthly payment in Rochester is about $2 cheaper than the rate for the rest of the United States.
These may be the average auto insurance rates for Rochester, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But worry not, we've done the heavy lifting and broken down the average rate for Rochester to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, 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 the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Rochester.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While this isn't true in Rochester, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Rochester, a driving record with one accident will usually get you a rate around $99 a month. In addition, drivers with one ticket can expect to pay around $98 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$79|
According to the first table above, the cheapest vehicles to insure in Rochester are typically trucks and vans, at $62 per month.
Car owners, on the other hand, usually pay around $80 per month, while SUV drivers can expect to pay about $86 a month for insurance coverage.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Rochester, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$85|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Rochester is about $28 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$190|
One other element taken into consideration is your housing situation. Renters can expect to pay around $14 a month more than homeowners in Rochester. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Rochester, MN
Recent trends in car insurance for Rochester drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Rochester, auto insurance rates had been decreasing from 2017-2019, when they hit a low of $63. This shifted in 2020, when they began to rise again. They finished down in 2022, at $87 per month
How does Rochester compare to neighboring areas?
Why are car insurance rates in Rochester different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. Many factors affecting your policy are based around where you live. These factors include things like:
- Area regulations
- Total number of drivers in the community
- Off-street parking access
- Prevalence of crime
- Frequency of car accidents
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge 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?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Rochester.
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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 gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Rochester different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Rochester?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Rochester?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Rochester or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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