Car Insurance in Rochester, Minnesota
Estimated full coverage in Rochester runs about $1,340 a year ($112/month) — ▲ 0% versus the Minnesota average, ranking 7th most expensive of the 8 Minnesota cities we cover.
Why car insurance in Rochester costs more than the Minnesota average
Insurers price by territory, and Rochester's numbers explain most of the gap. With 123,624 residents on 56.7 square miles, the city's density (2,182 people per square mile) is 3.5 times the density where the typical Minnesota resident lives (617). The average commute is 17.4 minutes (Minnesota: 22.7), and 65% of workers drive alone. Together these put our location factor at 1.02× the state baseline for liability and collision, and 0.95× for comprehensive once FEMA weather risk for Olmsted County is included.
| Factor | Rochester | Minnesota ref. | Why it matters |
|---|---|---|---|
| Population density | 2,182 / sq mi | 617 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 17.4 min | 22.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.9% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 64.8% | — | Share of workers commuting by car. |
| Public transit to work | 3.7% | — | Transit use lowers how much residents drive. |
| Work from home | 14.7% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 65.9 | 92.6 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Rochester
Rates can change from one ZIP code to the next. Across 4 Rochester ZIP codes, our full-coverage estimate ranges from $1,235 in 55906 to $1,340 in 55901. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 55901 | 58,495 | 1,768 | 18.6 min | 7.8% | $1,340 | 0% |
| 55904 | 29,639 | 493 | 17.3 min | 8.4% | $1,245 | −7% |
| 55902 | 26,464 | 643 | 17.8 min | 8.6% | $1,265 | −6% |
| 55906 | 20,437 | 332 | 18.9 min | 5.4% | $1,235 | −8% |
Minimum car insurance in Rochester
Rochester drivers follow Minnesota's rules: at least 30/60/10 liability coverage, personal injury protection, and uninsured motorist coverage. Minnesota is no-fault. We estimate state-minimum coverage in Rochester at $480 a year, and $670 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $10,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $40,000 Personal injury protection of $40,000 per person is required: $20,000 for medical expenses and $20,000 for non-medical losses such as wages. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Underinsured motorist coverage of at least 25/50 is required. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Risk factors that shape Rochester premiums
Accidents
Minnesota recorded 477 traffic deaths, or 0.81 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Minnesota's vehicle theft rate is 165 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Hyundai Elantra (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Olmsted County as relatively moderate for hail, relatively moderate for inland flooding and relatively moderate for strong wind.
Traffic & commuting
3.9% of Rochester commuters spend an hour or more getting to work, and there are 1.66 vehicles per household. 14.7% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 83.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 89.3 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 86.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 70.1 | Comprehensive; dwelling | |
| Winter weather | 83.3 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Rochester by driver profile
A clean-record driver in their 50s pays the least in our Rochester model (about $1,235 for full coverage); an 18-year-old on their own policy pays about $3,690, and a DUI pushes a 30-something to $2,485.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,320 | $1,840 | $3,690 | $308 |
| Young adult (22) | $770 | $1,070 | $2,150 | $179 |
| Adult in their 30s | $480 | $670 | $1,340 | $112 |
| Adult in their 50s | $440 | $615 | $1,235 | $103 |
| Senior (72) | $535 | $750 | $1,505 | $125 |
| 30s, one at-fault accident | $695 | $970 | $1,945 | $162 |
| 30s, DUI on record | $890 | $1,240 | $2,485 | $207 |
Minimum vs. standard vs. full coverage in Rochester
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $480 | $40 | $395–$565 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $670 | $56 | $550–$790 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,340 | $112 | $1,100–$1,585 |
Estimate your premium in Rochester
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Cheap car insurance in Rochester: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Rochester's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $90 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $90 | You're among the 14.7% of Rochester workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $370 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $670 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $300 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Rochester
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 27 offices listed below.
- Check complaint records with the Minnesota Department of Commerce (complaint information) before you buy.
- Mention your ZIP code accurately — within Rochester, our estimates differ by up to $105 a year between neighborhoods.
Car insurance agents near Rochester, MN
We found 27 insurance offices within about 6 miles of central Rochester, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Thomas Henslin: Allstate Insurance
1812 2nd Street Southwest, Ste C, Rochester, MN 55902 -
Jacob Scott Tenold - Farmers Insurance
1530 Greenview Dr SW, Rochester, MN 55902 -
Farmers Insurance - Jill Fasbender
MN -
Holly Bremer - Farmers Insurance
230 20th Ave SW, Rochester, MN 55902 -
AAA of Rochester - American Automobile Association
MN -
Bradley Reiland - Allstate
1027 7th St NW, Unit 200, Rochester, MN 55901 -
Steve Joswiak - State Farm
605 12th Street SE, Rochester, MN 55904 -
April Pahl Agency LLC
401 16th St SE, Ste 204, Rochester, MN 55904 -
Arment & Associates, LLC
923 Broadway Ave N, Rochester, MN 55906 -
Sue Madden - State Farm
914 N Broadway Avenue, Rochester, MN 55906 -
Michael Keen - Farmers Insurance
1632 Highway 52 N, Rochester, MN 55901 -
Allstate
MN -
Scott Dieter Agency
300 B Elton Hills Drive Northwest, Rochester, MN 55901 -
Michelle Broadwater Gappa - Farmers Insurance
1700 N Broadway, Rochester, MN 55906 -
American Family Insurance
MN -
Shawn Capelle Agency Inc
3334 19th St NW, Ste 204, Rochester, MN 55901 -
All Apple Insurance Agency
511 Northern Hills Drive Northeast, Suite 3, Rochester, MN 55901 -
Loren Wendroth - State Farm
2434 Superior Drive NW, Suite 102, Rochester, MN 55901 -
Phillip Swann - Farmers Insurance
3625 10th Ln NW, Rochester, MN 55901 -
Blake Vandehey - American Family Insurance
2443 Clare Ln NE, Ste 108, Rochester, MN 55906 -
Mitchell Steele - Farmers Insurance
3456 E Cir Dr NE, #106A, Rochester, MN 55906 -
Maxwell Anderson - Allstate
2765 Commerce Dr NW, Ste 220, Rochester, MN 55901 -
Bruce Luther Tesmer - Farmers Insurance
2768 Superior Dr NW, Rochester, MN 55901 -
Jason Frankot - Allstate
3147 Superior Dr NW, Ste 100, Rochester, MN 55901 -
Joanna Johnson - Farmers Insurance
4229 W Frontage Rd N, Rochester, MN 55901 -
Bruce Fujan - State Farm
5025 Highway 52 North, Rochester, MN 55901 -
Atlas Insurance
MN
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Rochester
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,005 | −25% |
| Subaru Outback | Wagon | $1,015 | −24% |
| Tesla Model 3 | Midsize car | $1,395 | +4% |
| Subaru Forester | Small SUV | $995 | −26% |
| Honda Civic | Compact car | $1,510 | +13% |
| Toyota Corolla | Compact car | $1,415 | +6% |
| Jeep Wrangler | Midsize SUV | $1,090 | −19% |
| Mazda CX-5 | Small SUV | $1,125 | −16% |
| MINI Cooper | Subcompact car | $1,010 | −25% |
| Tesla Model Y | Midsize SUV | $1,255 | −6% |
Car insurance in nearby Minnesota cities
- Woodbury $1,455/yr · 65 mi
- Bloomington $1,430/yr · 70 mi
- St. Paul $1,495/yr · 72 mi
- Minneapolis $1,535/yr · 76 mi
- Plymouth $1,435/yr · 85 mi
- Brooklyn Park $1,450/yr · 87 mi
- Duluth $1,300/yr · 191 mi
All Minnesota cities and state rules · Homeowners insurance in Rochester
Frequently asked questions
How much is car insurance in Rochester, MN?
We estimate full coverage in Rochester at about $1,340 a year ($112 a month) for a driver in their 30s with a clean record, and about $480 for Minnesota's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Rochester more expensive than the Minnesota average?
Our Rochester estimate is about the same as the statewide figure. The model reflects a population density of 2,182 people per square mile (the typical Minnesota resident lives at about 617) and an average commute of 17.4 minutes versus 22.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Rochester?
Drivers in Rochester follow Minnesota law: at least 30/60/10 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Rochester has the cheapest car insurance?
Among Rochester's 4 ZIP codes, 55906 has the lowest estimate (about $1,235 a year for full coverage) and 55901 the highest (about $1,340), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Rochester?
An 18-year-old with their own full-coverage policy would pay around $3,690 a year in Rochester by our estimate ($1,320 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Rochester?
FEMA's National Risk Index does not rate Olmsted County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Rochester?
We list 27 insurance offices in and around Rochester, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Minnesota Department of Commerce: Auto Insurance Guide
- Minnesota Statutes 65B.51 (tort action limitations)
- Minnesota Statutes 169.792 (proof of insurance for reinstatement)
- Minnesota Rules 7409.0100 (certificate of insurance)
- Minnesota Department of Commerce: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Rochester and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places