Average car insurance cost in Rochester, Minnesota

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According to our data, the average annual cost of car insurance in Rochester is $2,402 – $159 less than the Minnesota average cost and $111 less than when compared to the national average.

Insurance rates can differ significantly depending on where you live. Factors like population density, accident rates and theft statistics all play a role in determining premiums. As a result, drivers in some ZIP codes pay higher premiums.

Understanding how car insurance rates in Rochester stack up against state and national averages can help you make informed decisions. We’ll walk you through local trends, rate changes and how to save on your premiums.

Cheap car insurance companies in Rochester

Auto-Owners offers the most affordable full coverage car insurance in Rochester, at $1,568 annually, with coverage limits of $100,000 in bodily injury per person, $300,000 total per accident, and $100,000 for property damage.

Travelers offers the second-lowest rate in Rochester, with an average yearly premium of $1,585.

Car insurance rates vary by company because each insurer uses its own method to assess risk and determine premiums. That’s why it’s smart to compare quotes from different providers to find coverage that fits your needs and budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Rochester.

Read about the best car insurance companies.

Average car insurance cost in Rochester by coverage limits

Here’s a breakdown of average car insurance rates in Rochester by coverage type.

• State minimum coverage: $576 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).
• Liability only coverage: $627 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).
• Full coverage: $2,402 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).
• Non-owners coverage: $275 per year

While liability insurance is required in nearly every state to drive legally, the minimum coverage limits differ by state. This coverage protects you financially if you’re responsible for injuring someone or damaging their property in a crash.

Minimum liability insurance only covers damage or injuries you cause to others – it won’t help with your own medical bills or car repairs. You should consider adding collision and comprehensive coverage for adequate protection.

Average car insurance rates by gender in Rochester

In Rochester, female drivers pay an average of $2,371 per year for car insurance. In comparison, male drivers pay $2,432 annually, which is $61 more than what female drivers pay. Most states consider gender when calculating premiums. However, states such as California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania don’t allow insurers to use gender as a rating factor to determine insurance rates.

According to the Insurance Information Institute, or Triple-I, women tend to be safer drivers than men and are less likely to be involved in severe accidents. Insurers account for this risk by charging male drivers higher premiums.

Read more on how gender affects car insurance rates.

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Average car insurance rates by age in Rochester

Teen drivers in Rochester experience the highest insurance rates, paying an average of $6,698 per year or $558 per month.

According to the Insurance Information Institute, teens aged 16 to 19 are considered high-risk due to their inexperience behind the wheel. On average, teen drivers pay $2,933 more than young adults for insurance.

With age and experience, young drivers often see a drop in car insurance premiums. On average, 20 to 24-year-olds pay $3,765 per year – a difference of $2,933 less than compared to teen drivers.

Drivers in Rochester aged 25 to 55 typically pay $2,343 a year for car insurance. For senior drivers aged between 60 and 75, the average annual premium is $2,293.

Read more on auto insurance for seniors.

Below is a breakdown of average annual full coverage car insurance rates by age group.

Car insurance rate trends in Rochester

Car insurance rates in Rochester saw an upward trend between 2023 to 2025. During this period, average premiums Increased by 40% – a change of about $692.

The graph below tracks insurance costs from 2022 to 2025, highlighting long-term trends that help explain today’s rate changes.

How drivers can save on insurance even with higher rates

Car insurance rates in Rochester are lower than the Minnesota state average. Drivers can get affordable insurance rates by shopping around and comparing quotes from at least three to five insurance companies. You should also look for available discounts, such as a safe driver discount, low mileage and bundling discounts.

Methodology

Insure.com commissioned car insurance rates in 2025 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.