How Much is Car Insurance in Rochester, MN?

Finding the right car insurance for your budget is important. But, how much you pay depends on a number of factors, specifically, where you live. So, let’s look at the price of car insurance in Rochester, Minnesota.

How Car Insurance Costs Work

First, it’s important to note that any estimates for the cost of car insurance are just that — estimates. While the amount of coverage is the main component of cost, you will need a quote from an insurance provider to get an exact number.

That being said, costs are also heavily dependent on location and personal factors, including things like credit score, driving history, age, and gender. So, we will break down the average cost of car insurance by each of these factors based in Rochester and with a standard amount of coverage. If you want more or less coverage, your price will change.

However, regardless of personal factors, the average cost of car insurance for Rochester, Minnesota is $1,238. The average cost of car insurance from Rochester’s five main providers are:

  • GEICO: $961
  • AAA: $973
  • State Farm: $1,043
  • American Family: $1,195
  • Allstate: $1,436

Average Cost of Car Insurance By Different Factors

However, as mentioned, personal factors will also play a role in your car insurance estimate, including:


  • 20s — $1,650
  • 30s — $1,222
  • 40s — $1,173
  • 50s — $1,063
  • 60s — $1,128
  • 70s — $1,368

Marital status and gender:

  • Female — $1,271
  • Male — $1,238
  • Single — $1,150
  • Married — $1,150
  • Divorced — $1,238
  • Widowed — $1,200

By collision and citation:

  • 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

By credit level:

  • Very Poor — $2,453
  • Fair — $1,453
  • Good — $1,238
  • Very Good — $1,126
  • Exceptional — $1,010

What This Means for You

These numbers are interesting, but how do they affect your current car insurance? Perhaps looking at these averages made you realize that you’re paying too much. For instance, your credit level may have gone up, but your yearly premium hasn’t gone down.

There are plenty of reasons to take a look at your current policy. It’s likely that there’s a better one out there, even if you don’t know it. So, when looking at the price of car insurance in Rochester, be sure to compare your current price with other estimates to make sure you’re getting the best deal.

Finding the Best Insurance for Rochester Residents

We can help you find your best insurance. Call All Things Insurance for an obligation-free consultation at (763) 645-5450.