How much does auto insurance cost in Rochester?

 

The average car insurance rate in Rochester is $1,238 per year. That's less expensive than the statewide average in Minnesota ($1,319) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Rochester.

 
CAR INSURANCE: ROCHESTER RATES VS. STATE + NATIONAL AVERAGES
Rochester Average (yearly) Minnesota Average United States Average
$1,238 $1,319 $1,548
 
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  • Age
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Rochester car insurance rates by company

 

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Rochester, GEICO provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Rochester below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
ROCHESTER CAR INSURANCE RATES BY COMPANY
Insurer Average Annual Rate
GEICO $961
AAA $973
State Farm $1,043
American Family $1,195
Allstate $1,436
 

Check out our guide to learn how to find the best cheap car insurance.

 

Auto insurance premiums by age in Rochester

Rochester drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,063 per year, on average. Rates for Rochester drivers in their 60s are also relatively affordable, at just $1,128 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Rochester. When drivers hit their 20s in Rochester and move out of the teenage age bracket, they reduce their premiums substantially. In Rochester, teenage drivers pay $4,583 — a full $3,455 more than the second-most expensive rate paid by an age group.

 
ROCHESTER AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age Average Yearly Rate
Teenagers $4,583
20s $1,650
30s $1,222
40s $1,173
50s $1,063
60s $1,128
70s $1,368
 

Learn more about the impact of age on auto insurance rates.

 

Rochester car insurance premiums by gender and marital status

 

Marital status and gender are contributing factors to car insurance rates in many cases. In Rochester, married drivers pay $88 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Rochester, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Rochester, female drivers pay $33 per year more than do male drivers for car insurance.

 
ROCHESTER CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/Gender Average Yearly Rate
Female $1,271
Male $1,238
Single $1,150
Married $1,150
Divorced $1,238
Widowed $1,200
 

Learn more about how gender and marital status have on auto insurance rates.

 

Rochester auto insurance costs by violation history

 

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Rochester drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $723 per year versus the city average. A ticket for speeding results in a $305 rate hike, on average, while a DUI violation costs $725per year in insurance premiums.

 
ROCHESTER CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident Average Annual Rate
DWI/DUI $1,963
Reckless Driving $1,961
At-fault Accident (damages < $1,000) $1,657
At-fault Accident (damages greater than $2,000) $1,776
Speeding Ticket (16-20 mph over speed limit) $1,543
 

Learn more about citations' impact on your auto insurance rates.

 

Rochester auto insurance costs by credit level

 

It's no secret credit score is closely correlated with auto insurance rates. Rochester drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 59% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Rochester, improving your credit to "Fair" could help you earn a $1,000 decrease in yearly insurance premiums.

 
ROCHESTER CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit Score Average Annual Rate
Very Poor $2,453
Fair $1,453
Good $1,238
Very Good $1,126
Exceptional $1,010
 

 

Get additional information on how credit impacts car insurance costs.

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
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  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.