Cheapest Auto Insurance in Rochester, Minnesota (2026)
State Farm offers the cheapest rates in Rochester, starting at $50 per month.
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Written byGeoff Williams
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Geoff Williams
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Edited byChris Schafer
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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Rochester, Minnesota is home to the world-famous Mayo Clinic and some pretty nice car insurance rates as well. The overall average monthly cost of car insurance in Rochester is $113 per month, according to Insurify’s latest data. The national average auto insurance policy costs $140 per month.
Multiple factors likely contribute to the city’s comparatively low car insurance rates. Rochester’s relatively small population of 121,000 means fewer accidents are likely to occur. It’s a city amid rolling hills, but it isn’t mountainous, which would mean a lot of wear and tear when braking. It also has a lower crime rate than the national average.[1]
Here’s how to compare quotes and secure the lowest car insurance rates in Rochester.
Quick Facts
Drivers in Rochester will find the cheapest liability-only policies from State Farm and the cheapest full-coverage policies from State Farm.
Rochester teens pay an average of $222 per month for car insurance, while the monthly average for seniors is $96.
Minnesota is a no-fault state, which results in drivers having to buy more insurance coverage than in at-fault states.
3 of the cheapest car insurance companies in Rochester
Rochester, Minnesota, has a lot of excellent insurance companies, but the best car insurance policy will be the one that meets your individual situation and needs. The premiums you pay for that policy depend on multiple factors, such as your driving record, age, gender, budget, and credit history.
As you begin your search for car insurance in Rochester, keep the following three insurers in mind. Full-coverage and liability-only rates in the table below are national averages.
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 |
|---|---|---|---|---|
| State Farm | 9.3 | $109 | $53 | Low rates |
| Auto-Owners | 8.2 | $87 | $45 | Customer service |
| American Family | 9.3 | $159 | $79 | Discounts |
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.
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 low rates: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | 9.3 /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. | $50/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. | $90/mo |
4.0
Best choiceBased on 16,933 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 29 Minnesota reviews for Rochester driversSee all 7,363 State Farm reviews
Verified Review
Reviewed in Minnesota on April 11, 2026
I have been with State Farm for over 66 years. Times are changing now; both my wife and I are retired, driving much less, and living on fixed incomes. We have 3 autos now, the oldest being a 1995 GMC truck, plus our house is insured with State Farm. I need to evaluate our expenses. Insurance is our largest cost.
Verified Review
Reviewed in Minnesota on April 10, 2026
Well, no issues for years, other than the cost seems high for an old lady who drives a few miles per day and 150 miles on holidays. Until one day, I had to pay $45.00 to be towed to my mechanic one block from my home, instead of the nearest mechanic 16 miles from my home! I believe it should be my choice!
Verified Review
Reviewed in Minnesota on January 23, 2026
Rating: 1 / 10
Reason:
From the start, I experienced repeated and unexplained rate changes by the initial agent, incorrect handling of coverage, constant pricing adjustments, and serious billing errors, including refunds followed by duplicate charges. The service was inconsistent, unreliable, and poorly managed.
Only one staff member demonstrated competence. For that reason alone, I would rate the experience a 2 rather than a 1.
I remained with State Farm based on strong recommendations regarding the new agent. I hope he will demonstrate professionalism, ethical conduct, and maintain consistent and transparent rates going forward.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
State Farm was founded in 1922. Today it offers around 100 different insurance products, including car, renters, and pet insurance. State Farm is available in all 50 states and is the largest insurance company in the country. It continually offers some of the lowest rates in Rochester.
Pros
Strong AM Best financial strength rating
Offers rideshare insurance
Cons
Low customer reviews according to the Better Business Bureau
Not as many discounts as some competitors
Best insurer for customer service: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| 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. | $58/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. | $104/mo |
4.3
Best choiceBased on 326 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 149 Auto-Owners reviews
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
Verified Review
Reviewed in Florida on March 21, 2026
Definitely not the cheapest insurance you can buy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
663NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
Auto-Owners isn’t a nationally known insurer, but it’s well known in Minnesota. The company started in 1916 and started writing insurance policies in Minnesota in 1945. Auto-Owners has won numerous awards for its customer service and also offers other insurance products, such as homeowners and life insurance.
Pros
Long history of selling car insurance in Minnesota
A++ financial strength rating from AM Best
Cons
Doesn’t offer online quotes
Available in only 26 states
Best insurer for discounts: American Family
| User Reviews | 4.5 |
|---|---|
| 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. | 9.3 /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. | $73/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 |
4.5
Best choiceBased on 614 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.6 | 2.9 |
| Policy transparency | 4.5 | 3.1 |
| Value | 4.2 | 2.9 |
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 267 American Family reviews
Verified Review
Reviewed in Ohio on April 4, 2026
Roadside assistance was removed without my knowledge, so I’m not reimbursed for my jump starts. The agent only communicates via email or text. I would not recommend Allstate in Coshocton.
Verified Review
Reviewed in Oklahoma on April 4, 2026
They started out affordable, but the rates jumped up with hardly any warning. After being with them for years, my policy kept increasing. I would advise others to keep looking.
Verified Review
Reviewed in Washington on March 31, 2026
Everything was good, I just found better coverage at a cheaper price.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
674NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.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).
AWhy we picked this company
American Family opened for business in 1927 in Madison, Wisconsin. Today, it offers more than a dozen different insurance types in 19 states throughout the midwestern and western United States. American Family also offers numerous discounts, including multi-product, multi-vehicle, good driving, and more.
Pros
Reputation for good customer service
Lots of discount and coverage options
Cons
Available in only 19 states
Digital experience not as robust
How to get the cheapest car insurance in Rochester
Some insurance pricing will hinge on factors out of your control, like your age, while others will be in your control, such as your driving history. If you haven’t had many incidents and have a history of safe driving, you’ll probably have lower rates than someone with a lot of speeding tickets or a teenager just starting out.
To find the right policy for you, remember:
Getting a policy that meets the minimum insurance requirements will always be cheaper than comprehensive coverage. But don’t rule out paying more for more coverage. If you get the cheapest coverage and aren’t covered for — say, a stolen car — you could be left with nothing.
You may be tempted to pay a very high deductible to get a lower rate, but keep in mind that if you get into an accident, you’ll have to pay the collision and comprehensive deductible before your insurer pays for damages. If paying a high deductible would be a challenge, you may opt for higher monthly premiums to keep your deductible low.
Choose a vehicle with safety equipment and technology. Many insurers offer discounts for safety equipment.
Ask your insurance agent if they can steer you to any discounts that will bring your rates down. You can also ask your employer, or any other organization you’re a member of, whether it has a discount with a particular insurer.
Find Car Insurance in Rochester
Liability rates start at $50 per month
Excellent
4.7 out of 5 based on 13,383 reviews
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Cheapest liability-only car insurance in Rochester: State Farm
Liability car insurance pays for damages suffered by the other driver and their passengers in an accident you cause. But liability-only insurance won’t cover any costs you incur from the accident. Because of this, liability-only coverage is often the cheapest insurance available. Generally, though, liability-only coverage works best if you own your vehicle outright, and have an older, less-expensive vehicle.
Liability-only coverage in Rochester, Minnesota, costs an average of $79 per month. You can see a collection of average monthly quotes for liability coverage in the table below.
The below rates in Rochester, MN, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $50 |
| Auto-Owners | $58 |
| Safeco | $61 |
| USAA | $62 |
| National General | $65 |
| American Family | $73 |
| Chubb | $74 |
| Liberty Mutual | $84 |
| Liberty Mutual | $84 |
| Direct Auto | $85 |
| The General | $89 |
| Dairyland | $91 |
| GEICO | $92 |
| Nationwide | $96 |
| Allstate | $105 |
| Travelers | $105 |
| Bristol West | $117 |
| COUNTRY Financial | $135 |
| Farmers | $147 |
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: State Farm
Full-coverage car insurance provides the same protections as liability, but it also includes collision and comprehensive to cover your vehicle and occupants. As such, full-coverage policies are generally more expensive but can be a good idea if you have a vehicle that would be financially difficult for you to replace.
Many lenders will also require you to carry a full-coverage policy before they grant you a loan for a new vehicle. In Rochester, the average monthly cost for full coverage is $146.
The below rates in Rochester, MN, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $90 |
| Auto-Owners | $104 |
| USAA | $109 |
| Safeco | $111 |
| National General | $128 |
| American Family | $130 |
| Chubb | $131 |
| Direct Auto | $153 |
| GEICO | $164 |
| Liberty Mutual | $170 |
| Liberty Mutual | $170 |
| Nationwide | $170 |
| Allstate | $187 |
| Travelers | $187 |
| The General | $227 |
| Bristol West | $239 |
| COUNTRY Financial | $239 |
| Farmers | $262 |
| Dairyland | $291 |
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.
Recent Insurify quotes for Rochester, Minnesota drivers
Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $116/mo for full coverage in Rochester and other Minnesota cities.
*Quotes generated for Insurify users in and around Rochester, Minnesota within the last 10 days. Last updated on April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Rochester, Minnesota within the last 10 days. Last updated on April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Minnesota
All vehicles in Minnesota, both operated and parked, must be insured. If you’re caught driving without insurance, you could be fined or, in worst-case scenarios, imprisoned or lose your driving privileges.[2]
Minnesota is also a no-fault state. That means both parties’ insurance companies will pay for their own clients’ damages after an accident.
To take advantage of this, drivers need to provide proof of insurance in a variety of contexts, including:
When the vehicle is involved in a car accident
When requested by law enforcement
When renewing vehicle registration
This table explains the minimum amount of car insurance you need to have if you want to drive in Minnesota.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $10,000 per accident |
| Personal injury protection (PIP) | $40,000 per person per accident |
| Uninsured motorist bodily injury | $25,000 per person / $50,000 per accident |
| Underinsured motorist bodily injury | $25,000 per person / $50,000 per accident |
If you want more coverage options, you certainly have them. The minimum requirements will prevent you from getting in trouble with the state, but minimum coverage won’t protect you in several scenarios, such as your car getting stolen or a tree falling on your parked vehicle during a storm. To meet these needs, you may want to also look into buying:
Comprehensive insurance
This type of car insurance covers you if your vehicle is damaged due to something other than a car accident. For instance, if your car is stolen or you hit a deer crossing the road, your comprehensive insurance would pay for repairs or for it to be replaced.
Collision insurance
Collision coverage pays to fix your vehicle when it’s damaged by another vehicle or an object. For instance, if you back into a telephone pole or a car hits your parked car, this type of insurance would pay for that.
Cheapest car insurance for drivers with an incident
Incidents like speeding tickets, at-fault accidents, and DUIs can affect your insurance rates, sometimes dramatically. As a general rule, insurers believe a driving incident could mean there will be more incidents to follow, so they raise premiums to protect the company financially in case it needs to make a payout.
In the sections that follow, you’ll see how different incident types can affect your premiums.
Find Car Insurance in Rochester, MN
Monthly rates start at $60 for drivers with an incident
Excellent
4.7 out of 5 based on 13,383 reviews
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
In Minnesota, if you’re caught going 20 or more miles over the speed limit, the fine for speeding doubles.[3] If you’re pulled over driving 100 mph or more, you could potentially lose your driver’s license for six months.
All of this is to say that if you want to keep your premiums as low as possible, you’ll try to stick to a speed close to what’s on the speed limit signs. In Rochester, a driver with a clean record could pay as little as $50 per month for liability car insurance, while a driver with a speeding ticket could see monthly premiums of $62 per month for liability-only coverage.
Here, you can see how a speeding ticket affects your premium quotes in Rochester.
The below rates in Rochester, MN, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $50 | $62 |
| Auto-Owners | $58 | $74 |
| USAA | $62 | $79 |
| Safeco | $61 | $79 |
| Chubb | $74 | $93 |
| American Family | $73 | $93 |
| Direct Auto | $85 | $105 |
| Liberty Mutual | $84 | $105 |
| Liberty Mutual | $84 | $105 |
| Dairyland | $91 | $111 |
| The General | $89 | $117 |
| GEICO | $92 | $118 |
| Nationwide | $96 | $122 |
| Travelers | $105 | $134 |
| Allstate | $105 | $134 |
| Bristol West | $117 | $145 |
| COUNTRY Financial | $135 | $180 |
| Farmers | $147 | $185 |
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
As a general rule, insurers make drivers pay more after a car accident than motorists who manage to avoid such incidents. But if you live in Minnesota, since it’s a no-fault state and everybody’s insurance pays if there are medical bills, it’s pretty likely your rates will go up after an accident, no matter whose fault it is.
In Rochester, the average cost of car insurance after an accident is $179 per month for full coverage and $97 for liability only. Here’s a look at how an at-fault accident could affect your quotes.
The below rates in Rochester, MN, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $50 | $64 |
| Auto-Owners | $58 | $74 |
| USAA | $62 | $80 |
| Safeco | $61 | $82 |
| American Family | $73 | $95 |
| Chubb | $74 | $95 |
| Liberty Mutual | $84 | $108 |
| Liberty Mutual | $84 | $108 |
| Direct Auto | $85 | $112 |
| Dairyland | $91 | $116 |
| GEICO | $92 | $116 |
| The General | $89 | $118 |
| Nationwide | $96 | $125 |
| Allstate | $105 | $136 |
| Travelers | $105 | $137 |
| Bristol West | $117 | $149 |
| COUNTRY Financial | $135 | $178 |
| Farmers | $147 | $189 |
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: State Farm
Insurers see a DUI as being among the most serious incidents. In fact, the Minnesota Department of Public Safety’s Office of Traffic Safety website estimates that a Minnesota resident who is pulled over for a DUI will spend around $20,000 in court costs, legal fees, and increased insurance premiums.[4]
The table below shows just how much you can expect to pay for insurance if you have a DUI on your record. Rochester drivers with a DUI face an average rate of $235 per month for full coverage and $127 for liability only. Some insurers will drop drivers who have a DUI. But others specialize in working with people with a DUI.
The below rates in Rochester, MN, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $50 | $76 |
| Auto-Owners | $58 | $88 |
| USAA | $62 | $95 |
| Safeco | $61 | $98 |
| American Family | $73 | $111 |
| Chubb | $74 | $113 |
| Liberty Mutual | $84 | $128 |
| Liberty Mutual | $84 | $128 |
| Direct Auto | $85 | $130 |
| The General | $89 | $131 |
| Dairyland | $91 | $139 |
| GEICO | $92 | $139 |
| Nationwide | $96 | $146 |
| Allstate | $105 | $160 |
| Travelers | $105 | $160 |
| Bristol West | $117 | $178 |
| COUNTRY Financial | $135 | $202 |
| Farmers | $147 | $224 |
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.
)
How Long Does a DUI Stay on Your Record?
April 9, 2026
Cheapest car insurance for seniors: State Farm
Insurers calculate premiums by looking at a lot of factors, but the age of the driver is an especially important one. If you’re 70 or older, your premiums are probably drifting upward slightly. You may have an excellent driving record, but data shows that older drivers have a greater risk of getting into an accident and getting seriously injured in an accident.
Senior drivers in Rochester pay an average of $39 per month for liability coverage and $125 for full coverage. This table shows what you may pay, on average, for your insurance as a senior.
The below rates in Rochester, MN, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $70 | $39 |
| Auto-Owners | $82 | $46 |
| USAA | $88 | $50 |
| Safeco | $96 | $53 |
| Chubb | $98 | $56 |
| American Family | $103 | $58 |
| Direct Auto | $124 | $69 |
| Nationwide | $129 | $73 |
| GEICO | $130 | $73 |
| Liberty Mutual | $141 | $70 |
| Liberty Mutual | $141 | $70 |
| Travelers | $149 | $83 |
| Allstate | $151 | $85 |
| COUNTRY Financial | $189 | $107 |
| The General | $192 | $75 |
| Bristol West | $198 | $97 |
| Farmers | $207 | $116 |
| Dairyland | $245 | $77 |
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: State Farm
Teens pay some of the highest car insurance premiums on the market due to their lack of driving experience and tendency to engage in riskier driving behaviors, like speeding, distracted driving, and driving at night. Fortunately, if you’re a teen driver or the parent of one, you can reduce these high insurance premiums.
For instance, if you can, don’t get a separate insurance policy; insurers charge less when a teenage driver stays on their parents’ policy. Using a car that your insurer considers safe may also lower premiums. Finally, your insurer may also give a discount for good grades or for completing an approved driver education course.
On average, Rochester teens pay $287 per month for full coverage and $155 for liability only. The following table shows what you may pay, on average, for your teen’s car insurance in Rochester.
The below rates in Rochester, MN, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $182 | $101 |
| USAA | $210 | $119 |
| Auto-Owners | $220 | $122 |
| Safeco | $234 | $129 |
| American Family | $257 | $144 |
| Chubb | $280 | $158 |
| Direct Auto | $309 | $172 |
| GEICO | $310 | $174 |
| Liberty Mutual | $311 | $154 |
| Liberty Mutual | $311 | $154 |
| Nationwide | $345 | $195 |
| Allstate | $385 | $216 |
| COUNTRY Financial | $404 | $228 |
| Travelers | $404 | $227 |
| The General | $424 | $166 |
| Bristol West | $443 | $217 |
| Dairyland | $527 | $165 |
| Farmers | $544 | $305 |
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.
Rochester car insurance quotes by credit tier
Most states, including Minnesota, allow insurers to look at credit histories when coming up with a price for your insurance. Data shows that your credit history is an indicator of your likelihood to file a claim.
So, drivers with good or excellent credit pay far lower insurance premiums than drivers with poor credit. The table below shows how credit tiers affect Rochester drivers’ insurance quotes.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $99 |
| Good | $117 |
| Fair | $129 |
| Poor | $193 |
Is car insurance more expensive in Rochester?
Car insurance premiums in Rochester are cheaper than the national average. If you live in Rochester, you’ll pay $113 per month, on average. The national average car insurance policy costs $140 per month.
Why is it cheaper in Rochester? The area has a lot going for it, including a relatively low population of 121,000, a low crime rate, and terrain that isn’t rough on a car. All those factors can help drive prices down.
More cities in Minnesota
On average, Rochester drivers pay $79 per month for liability-only insurance and $146 per month for full-coverage car insurance. The table below shows how Rochester compares to some other cities in Minnesota.
City | Full Coverage | Liability Only |
|---|---|---|
| Duluth | $133 | $74 |
| Minneapolis | $194 | $114 |
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
If you want to learn more about how you can secure the cheapest car insurance in Rochester, the information below can help.
How much is car insurance in Rochester, Minnesota?
The average rate for full coverage in Rochester is $113 per month, and liability-only coverage costs an average of $79 per month.
Which companies have the cheapest rates in Rochester, Minnesota?
Auto-Owners has the cheapest liability-only rates in Rochester, at $67 per month. Auto-Owners and Safeco also offer affordable rates, at $68 and $74 per month, respectively.
What are the best car insurance companies in Rochester?
State Farm, Auto-Owners, and American Family rank as the top insurers in Rochester. The companies have commendable Insurify Quality Scores of 9.3, 8.2, and 9.3, respectively. In addition, each company has earned high marks for its coverage offerings, financial stability, and low rates.
How much is car insurance per month in Minnesota?
The state average for liability-only car insurance in Minnesota is $85 per month. This is just slightly less than the national average of $97. Minnesota’s harsh winters and status as a no-fault state affect rates, driving them higher. Full coverage in Minnesota costs $167 per month, on average.
What is the state minimum for car insurance in Minnesota?
To drive legally in Minnesota, you must have insurance coverage that meets the minimum requirements of bodily injury liability ($30,000 per person and $60,000 per accident), property damage liability ($10,000 per accident), personal injury protection ($40,000 per accident), uninsured motorist bodily injury ($25,000 per person and $50,000 per accident), and underinsured motorist bodily injury ($25,000 per person and $50,000 per accident).
Is it illegal to not have car insurance in Minnesota?
Yes. To drive legally in Minnesota, you must have coverage that meets the minimum state requirements outlined above.
Sources
- Bestplaces.net. "Rochester, MN Crime."
- Minnesota Department of Public Safety. "Automobile Insurance."
- Minnesota Department of Public Safety. "Aggressive/Speed Laws."
- Minnesota Department of Public Safety. "Impaired Driving Laws."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Written byGeoff Williams
Geoff Williams
27+ years writing about personal finance
Bylines in numerous notable publications
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Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego