Cheapest Auto Insurance in Rochester, Michigan (2026)

Rochester drivers pay an average of $141 per month for liability insurance, which is similar to the Michigan state average rate of $135 and higher than the national average of $99. Though Rochester has lower liability rates than Detroit, the city may have higher averages than some other Michigan cities due to its proximity to Detroit, which has high crime rates and expensive car insurance.^[1]

But you can still find affordable coverage in Rochester if you compare car insurance quotes online from multiple insurers before buying a policy. Here’s what you need to know to find cheap auto coverage in Rochester.

3 of the cheapest car insurance companies in Rochester

The cheapest car insurance company won’t always be your best option. Auto insurance companies consider many factors when setting rates, such as your age, ZIP code, driving record, and vehicle type.

Your rate will differ from every other driver, so it’s important to compare quotes from multiple car insurance companies to find the best fit. The table below outlines the top companies’ pros and cons and average monthly rates.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
Chubb	7.1	$128	$79	Classic cars
Auto-Owners	8.2	$117	$72	Cheap rates
USAA	9.1	$118	$73	Military members

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for classic cars: Chubb

classic cars

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User Reviews	3.7 5 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$80/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$130/mo

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Driver Reviews

3.7

A solid option in Rochester, MIBased on 9 verified driver reviews and ratings

Best in Rochester for

High net worth drivers

Customer service

Classic car coverage

Best in Rochester for

High net worth drivers

Customer service

Classic car coverage

Showing recent national reviews - See all 5 Chubb reviews

Frances

Verified Review

Too Costly

Reviewed in Illinois on June 1, 2025

The price is too high.

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.83

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Based in New Jersey, Chubb’s personal insurance products include auto, classic car, aircraft, homeowners, renters, and condo insurance, as well as coverage for natural disasters, including earthquakes and floods. Auto insurance is only available in nine states. Chubb caters to high-net-worth drivers, people looking for high-limit coverage, and people looking for a range of insurance products.

Chubb has an A++ (Superior) rating from AM Best for financial stability and credit strength and no complaints on the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index.

Pros

• Outstanding reputation for customer service

• Numerous types of insurance products available

Cons

• Not available in every state

• Tailored to serve luxury vehicles

Best insurer for cheap rates: Auto-Owners

cheap rates

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User Reviews	4.3 146 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$74/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$119/mo

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Driver Reviews

4.3

Best choice in Rochester, MIBased on 309 verified driver reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Rochester for

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Rochester for

Cheap rates

Senior drivers

Ample discounts

Showing 11 Michigan reviews for Rochester drivers - See all 146 Auto-Owners reviews

Paul

Verified Review

Auto Owners

Reviewed in Michigan on February 10, 2026

Auto Owners' rates have increased year after year.

Scott

Verified Review

Poor

Reviewed in Michigan on January 28, 2026

Prices are too high.

William

Verified Review

Claims handled great but very expensive

Reviewed in Michigan on January 16, 2026

Way too expensive.

David

Verified Review

Getting Expensive

Reviewed in Michigan on October 6, 2025

I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.

Linda

Verified Review

Best Claim Service

Reviewed in Michigan on August 23, 2025

When a driver drove into my back end, the communication and service were excellent!

Bruce C

Verified Review

Auto-Owners OK

Reviewed in Michigan on August 14, 2025

Return calls and information are relatively fast. Previous attempts to find a lower-cost policy have been fruitless.

Thomas

Verified Review

Fair Insurance, One Bad Agent

Reviewed in Michigan on July 4, 2025

I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.

Richard

Verified Review

Time to Compare Rates

Reviewed in Michigan on April 19, 2025

I have had no problems with Auto-Owners, I just want to compare rates.

Mike

Verified Review

Unexpected Rate Increase

Reviewed in Michigan on March 27, 2025

The service was not satisfactory. Our rates were tripled without any notification.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Headquartered in Lansing, Michigan, Auto-Owners is one of the nation’s largest insurers, serving nearly 3 million policyholders in 26 states. The company launched in 1916 and today sells car, home, life, and commercial insurance policies. AM Best gives Auto-Owners a financial strength and credit rating of A++ (Superior), and the company has significantly fewer customer complaints than the industry average, according to the NAIC.

J.D. Power gave the company high marks for claims satisfaction. Auto-Owners offers several discounts, including those for having multiple policies with the insurer and paying in full.

Pros

• High customer satisfaction scores

• Multiple discounts

Cons

• Available in only 26 states

• Can only get quotes through an agent

Best insurer for military members: USAA

military members

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User Reviews	4.9 1,477 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$74/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$120/mo

Show Details

Driver Reviews

4.9

Best choice in Rochester, MIBased on 3,128 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Rochester for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Rochester for

Members of the military community

Outstanding customer service

Competitive rates

Showing 9 Michigan reviews for Rochester drivers - See all 1,477 USAA reviews

Marcia

Verified Review

Good customer service and roadside assistance.

Reviewed in Michigan on January 22, 2026

I have not had to make any claims except for roadside assistance, and it went well. Their prices are rather high, though. I like the company and what they stand for, but I'm not sure if I can afford to keep them.

Lavonne

Verified Review

Lower Rate

Reviewed in Michigan on January 7, 2026

It's okay. Just way too expensive monthly and they never offered any discounts.

Halbert

Verified Review

Good

Reviewed in Michigan on October 20, 2025

Lowering car insurance rates!

Natalie

Verified Review

Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.

Reviewed in Michigan on September 30, 2025

Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.

Elisabeth

Verified Review

USAA

Reviewed in Michigan on August 13, 2025

Excellent, especially customer service.

Nathaniel

Verified Review

Hopefully you don't actually need it

Reviewed in Michigan on April 26, 2025

It was cheap until I went in the ditch and actually needed my insurance. They doubled my premiums.

Patrick

Verified Review

Price Hiked!

Reviewed in Michigan on April 25, 2025

Search for a lower price if you have a great driving record and payment history!

Michael

Verified Review

Satisfied!

Reviewed in Michigan on March 27, 2025

Very good!

Jeffrey

Verified Review

USAA is the best, great rates and no hassle on claims! Auto or home

Reviewed in Michigan on March 6, 2025

They are awesome, great rates and no hassle!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including discounts for bundling, insuring multiple vehicles, living on a military base, and more.

AM Best gave USAA an A++ (Superior) rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s U.S. Customer Service Index. But customer reviews are mixed for service and claims processing.

Pros

• High customer satisfaction scores

• Savings of up to 30% possible via SafePilot

Cons

• Only available to active-duty military veterans, military spouses, or children of service members or veterans

• No 24/7 customer phone support

How to get the cheapest car insurance in Rochester, MI

Insurance companies consider several factors when determining car insurance rates, including your age, driving history, vehicle type, and even the ZIP code where you park your car at night.

Here are a few things to help you find car insurance to fit your budget in Rochester:

• Bundle your auto and home insurance policies. If you have multiple types of insurance, including home insurance, renters insurance, life insurance, business insurance, or multiple vehicles, you may qualify for discounts by bundling your policies or insuring multiple vehicles on one policy.

• Maintain a clean driving record. Your driving history has a big effect on your insurance rates. Car owners with accidents or moving violations on their records typically pay higher rates than drivers with a clean record, so practicing safe driving habits can help you keep a clean record and qualify for more affordable rates.

• Take advantage of usage-based insurance. Some car insurance companies now offer usage-based insurance, which determines your premiums based on how often you drive and your driving behaviors. You may have to install a telematics device on your car or install a smartphone app to track your mileage and driving activity. Ask your insurance agent or auto insurance company about available telematics device discounts.

• Shop around. Different companies offer different rates — even for seemingly identical drivers and coverages. Comparing quotes from multiple insurance companies can help ensure you find the cheapest car insurance.

Find Cheap Car Insurance in Rochester, Michigan

Monthly rates start as low as $74 for liability coverage

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Cheapest liability-only car insurance in Rochester: USAA

Liability-only car insurance is a type of car insurance policy that covers the cost of damages to other vehicles, pedestrians, or property caused by the insured driver. But it doesn’t cover damage to your own vehicle. Liability-only car insurance is cheaper than full coverage, so you may be interested if you have an older model car that isn’t worth a lot. But if you financed the purchase of your car and are still making payments, your lender will require you to carry full coverage.

Rochester drivers pay an average monthly rate of $141 for liability-only car insurance. Here are some of the best rates for liability coverage in Rochester.

The below rates in Rochester, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
USAA	$74
Auto-Owners	$74
Chubb	$80
National General	$110
Safeco	$113
Progressive	$123
Bristol West	$137
Direct Auto	$145
Nationwide	$149
State Farm	$151
Liberty Mutual	$156
Travelers	$175
GEICO	$182

Disclaimer: Table data sourced from real-time Rochester car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rochester may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Rochester: Auto-Owners

Full-coverage auto insurance includes liability insurance along with comprehensive and collision coverage. Comprehensive coverage reimburses you for loss due to theft or damage caused by something other than a collision, such as a fire, falling object, or vandalism. Collision coverage pays for damage to your vehicle resulting from a collision with another vehicle or object.

You’ll benefit from full-coverage insurance if you can’t afford to repair or replace it without help from your insurance company. On average, full coverage costs Rochester drivers $219 per month. Below are some of the cheapest options for full-coverage auto insurance in Rochester.

The below rates in Rochester, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Auto-Owners	$119
USAA	$120
Chubb	$130
Progressive	$196
Safeco	$196
National General	$234
Liberty Mutual	$235
Nationwide	$242
State Farm	$247
GEICO	$247
Direct Auto	$265
Bristol West	$277
Travelers	$285

Disclaimer: Table data sourced from real-time Rochester car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rochester may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Michigan

Michigan is a no-fault state for car insurance. This means drivers receive compensation from their insurance company after an accident, regardless of who caused the accident.

All drivers must carry a minimum amount of bodily injury liability coverage. Most drivers must also purchase a minimum amount of personal injury protection (PIP) medical coverage, which pays for medical expenses, recovery, and rehabilitation after an auto accident. Only Medicaid recipients meeting specific criteria can opt out of PIP medical coverage.^[2]

The table below shows the minimum-coverage liability insurance in Michigan:

Coverage	Minimum Requirements
Bodily injury liability	$250,000 per person and $500,000 per accident
Property damage liability	$10,000 for damage in another state
Personal injury protection	One of the following: Unlimited coverage $500,000 per person per accident $250,000 per person per accident $250,000 per person per accident with exclusions (only available when drivers have qualified health coverage) $50,000 per person per accident (only available when drivers are enrolled in Medicaid) No coverage (only available to drivers enrolled in Medicare Parts A and B)
Property protection	$1 million

To protect yourself more thoroughly, you should consider carrying more than the minimum-coverage limits. Some other coverage options to consider include:

• 

  Comprehensive coverage

  Comprehensive insurance reimburses you for theft or damage to your car due to events other than a collision, such as vandalism, fire, and hail.

• 

  Collision coverage

  Collision insurance reimburses you for damage to your vehicle due to a collision with another vehicle or an object.

• 

  Glass coverage

  This coverage pays to repair or replace your car windshield, windows, and sunroof with no deductible.

• 

  Gap coverage

  Gap insurance pays the difference between the fair market value of your car and what you owe on your car loan if it’s totaled in an accident or stolen.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage can help pay your costs if you’re in an accident with a driver who has no insurance or too little insurance.

Cheapest car insurance for drivers with an incident

Incidents can include speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations. Having such incidents on your driving record can increase your car insurance rates compared to what drivers with a clean record pay. This is because insurance companies see you as a higher risk and charge higher premiums to offset that risk.

Find Car Insurance in Rochester, MI

Rates start at $95 per month for drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket: USAA

Having a speeding ticket on your record often means facing a rate increase when you renew your policy, although the extent of the increase depends on the severity of the incident and whether it was your first offense.

Rochester drivers with a speeding ticket pay an average of $160 per month for liability-only coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.

The below rates in Rochester, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket
USAA	$74	$91
Auto-Owners	$74	$92
Chubb	$80	$97
National General	$110	$130
Safeco	$113	$142
Progressive	$123	$140
Bristol West	$137	$164
Direct Auto	$145	$173
Nationwide	$149	$185
State Farm	$151	$183
Liberty Mutual	$156	$189
Travelers	$175	$217
GEICO	$182	$227

Disclaimer: Table data sourced from real-time Rochester car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rochester may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

If you have an at-fault accident on your record, insurance companies tend to view you as a risky driver and will increase your rates to account for that extra risk. This can make finding affordable car insurance more challenging.

Rochester drivers with an at-fault accident on their record pay an average monthly premium of $202 for liability-only insurance. Below are some of the lowest monthly liability rates for drivers with an at-fault accident in the city.

The below rates in Rochester, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Accident
USAA	$74	$103
Auto-Owners	$74	$102
Chubb	$80	$110
National General	$110	$152
Safeco	$113	$164
Progressive	$123	$176
Bristol West	$137	$188
Direct Auto	$145	$206
Nationwide	$149	$208
State Farm	$151	$208
Liberty Mutual	$156	$216
Travelers	$175	$245
GEICO	$182	$246

Disclaimer: Table data sourced from real-time Rochester car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rochester may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Driving under the influence is a serious offense that involves operating a vehicle while impaired by drugs or alcohol. Finding cheap car insurance will be difficult if you’ve been convicted of a DUI, and your choices may be limited.

The average cost of liability car insurance for Rochester drivers with a past DUI is $227 per month. Here are some of the lowest liability car insurance rates for drivers with a DUI in the city.

The below rates in Rochester, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With DUI
USAA	$74	$114
Auto-Owners	$74	$114
Chubb	$80	$123
National General	$110	$169
Safeco	$113	$185
Progressive	$123	$198
Bristol West	$137	$211
Direct Auto	$145	$223
Nationwide	$149	$229
State Farm	$151	$232
Liberty Mutual	$156	$240
Travelers	$175	$269
GEICO	$182	$279

Disclaimer: Table data sourced from real-time Rochester car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rochester may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Experienced drivers tend to be safer behind the wheel. But drivers age 70 and older have higher rates of fatal crashes per mile driven than middle-aged drivers, according to the Insurance Institute for Highway Safety (IIHS).^[3] As a result, insurance companies tend to decrease rates for drivers around age 35 but increase them again around age 70.

Senior drivers in Rochester pay $125 per month for liability insurance and $194 for full-coverage insurance. Below are the average monthly car insurance rates for seniors in the city.

The below rates in Rochester, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
Auto-Owners	$59	$96
USAA	$61	$99
Chubb	$61	$100
National General	$88	$187
Safeco	$100	$174
Progressive	$109	$174
Nationwide	$116	$188
Bristol West	$116	$234
Direct Auto	$119	$217
State Farm	$121	$197
Liberty Mutual	$132	$199
Travelers	$142	$231
GEICO	$147	$199

Disclaimer: Table data sourced from real-time Rochester car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rochester may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Car insurance companies charge higher rates for teen drivers because they don’t have many years of experience behind the wheel and are prone to taking risks that more mature drivers might avoid.^[4]

On average, teen drivers in Rochester pay $220 per month for liability-only coverage and $341 per month for full coverage.

The best way for teens and their families to keep rates affordable is to join their parents’ insurance policy. They should also take advantage of discounts most insurance companies offer, such as those for good students and completing an approved driver training course.

Below are the average insurance rates for teens in the city.

The below rates in Rochester, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
USAA	$128	$207
Auto-Owners	$139	$224
Chubb	$155	$252
Progressive	$192	$305
National General	$209	$444
Safeco	$213	$370
Bristol West	$227	$459
Liberty Mutual	$255	$384
Direct Auto	$261	$477
Nationwide	$272	$442
State Farm	$274	$447
GEICO	$302	$410
Travelers	$341	$555

Disclaimer: Table data sourced from real-time Rochester car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rochester may vary based on the policy buyer's unique driver profile.

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Is car insurance more expensive in Rochester?

Yes. The cost of car insurance in Rochester, Michigan, is higher than the national average but comparable to the state average.

Average monthly premiums in Rochester are $219 for full coverage and $141 for liability-only coverage, according to Insurify data. Nationwide, the average monthly premiums are $173 for full coverage and $99 for liability-only coverage.

One of the reasons for this discrepancy has historically been Michigan’s unique form of no-fault insurance. Until July 1, 2020, insurance companies in the state had to offer unlimited PIP coverage, meaning there was no cap on potential medical damages if one of their customers had an accident.^[5] In 2020, a tiered system replaced the old system, allowing Michigan drivers to purchase lower PIP limits. The legislation also requires insurance companies to reduce statewide average premiums for eight years.

Despite this positive change, rates in Rochester will likely remain higher than in some areas, partially due to Michigan’s harsh winters. Inclement weather increases the likelihood of accidents, which increases insurance claims. For example, snow and ice can make the road slippery in Rochester and nearby Rochester Hills, leading to an increased frequency of accidents. Harsh storms can lead to damage from falling tree branches, leading to more severe losses.

More cities in Michigan 

The cost of car insurance in Rochester is higher than in many other Michigan cities, partially because of its proximity to Detroit, which has high crime and vehicle theft rates.^[1] The table below shows how rates in other Michigan cities compare to Rochester’s average monthly rates if you’re considering a move to save money.

City	Liability Only	Full Coverage
Ann Arbor	$116	$198
Flint	$140	$236
Dearborn	$274	$439
Detroit	$267	$412
Grand Rapids	$102	$193
Kalamazoo	$124	$193
Lansing	$113	$189
Warren	$184	$292

Disclaimer: Table data is based on real-time Rochester quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Rochester car insurance FAQs