Rochester Auto Insurance Rates, Quotes, Agents & Reviews in MN

Rochester, MN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Rochester, MN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Rochester, MN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Rochester, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Rochester, MN with that of other cities in and around Rochester.

Rochester Haverhill Olmsted County Kalmar Cascade Marion
Average Insurance Rates $1,035 $1,416 $1,302 $1,387 $1,399 $1,347

Rochester, MN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Rochester, MN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Rochester $1,326 $1,120
Olmsted County $1,303 $1,101
Cascade $1,887 $1,594
Marion $1,387 $1,172
Haverhill $1,351 $1,141
Salem $1,574 $1,329
Kalmar $1,295 $1,094
Byron $1,742 $1,471

Rochester, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Rochester, MN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,358
20 Years $1,330
30 Years $1,024
40 Years $986
50 Years $913
60 Years $925
70 Years $1,077

Rochester, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Rochester, MN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,822 $248
3 Vehicles $2,732 $373
4 Vehicles $3,643 $497

Savings on 2 Vehicles bundle:$248

Savings on 3 Vehicles bundle:$373

Savings on 4 Vehicles bundle:$497

Rochester, MN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Rochester, MN.

Location Average Insurance Cost Post DUI Insurance Rate
Rochester $1,035 $1,890
Olmsted County $1,302 $2,377
Cascade $1,399 $2,554
Marion $1,347 $2,459
Haverhill $1,416 $2,585
Salem $1,374 $2,509
Kalmar $1,387 $2,532
Byron $1,299 $2,372

Rochester, MN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $888
Excellent (740-799) $1,014
Good (670-739) $1,078
Average (580-669) $1,407
Poor (300-579) $1,688

Rochester, MN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$46 $1,081
Driver's Failure In Showing Documents +$100 $1,135
Driving With An Expired Registration +$107 $1,142
Driving At A Considerably Slow Pace +$225 $1,260
Using A Cellphone While Driving +$237 $1,272
Running A Red Light +$241 $1,276
Speeding +$254 $1,289
Driving A Vehicle Without The Required Permission +$322 $1,357
Driving With An Expired/Suspended License +$698 $1,733

Rochester, MN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $994
Active Disabling Device $994
Tracking Device $973
Passive Disabling Device $963

Latest Auto Insurance Reviews in Rochester, MN | Back to Top

State Farm
My deductible is low but i'm not happy with the premium wish it was lower.
Their customer service was excellent after I filed a claim, with always someone available to talk to.
I can only recommend this company based on value - since I have never had a claim I cannot attest to there ability to aid when an issue occurs.,
The customer service was always very polite and eager to help. Even though our car situation was very frustrating, the customer service followed through to get the paperwork we needed.
Encompass Insurance
We were able to get better coverage with Encompass at a significantly lower rate than with our previous provider (State Farm).
I definitely recommend this company; however, the thing is that they are very hard to get with. You have to have almost a perfect driving record.
I would recommend Progressive for auto insurance because of their pricing and the way they work with consumers to pay for insurance, by offering discounts or the Name Your Price tool.
Easy to work with, contact, through email and online. Multiple options and packages to pick from.
Safeco Insurance
The original sales man after i purchased the policy would not return my calls anymore, which was upsetting. Since then I have called a couple of times and have been happy with the customer service.
Safeco Insurance
The original sales man after i purchased the policy would not return my calls anymore, which was upsetting. Since then I have called a couple of times and have been happy with the customer service.
State Farm
I suppose the premium is my only dislike, but again, it was still cheaper than the other quotes I received from other companies. Overall, I really can't complain.
all state company policy is great compared to the one i use to use because there policy have more of a secure coverage that is very affordable
The General Auto Insurance
Our premium with Allstate is still rather high due to having our daughter on our plan. The premium every year fluctuates every year and has reduced over the years with no accidents and her getting older.
I love the ease of finding the information I need and getting updated information. I love how thorough they are when I have a question AND I love that they take care of things in the background so I do not have to be concerned about it.
They are available 24/7 by telephone or by online chat, which is great, and there are also about 4 offices within 15 miles of my house, which is great. I can get a hold of them pretty much anytime I need to.
I dislike the fact that it's mostly an automated telephone line and it was hard to get to a representative