Rochester

Your Complete Guide to Car Insurance in Rochester, MN

Find the right car insurance policy for you.

With a population of a little over 100,000, Rochester, MN is the third largest city in the state. A recent U.S. News and World Report article listed the city as one of the best places to grow up and work in the entire country. Thankfully, this mid-sized city avoids a lot of the traffic congestion problems that plague larger cities, but it is still important for drivers to get the right Rochester, MN car insurance coverage.

Different drivers and types of vehicles can get different rates. The insurer you choose may also matter. The best insurance company for your neighbor may not be the right choice for you. Local Trusted Choice® independent agents understand the needs of people in Rochester, and they have the ability to compare options from several different insurance companies. Contact a local member agent today for help comparing Rochester auto insurance quotes and selecting the right amount of coverage for your needs.

  • National average annual premium: $1,311
  • Minnesota average annual premium: $1,222
  • 29th most expensive premiums in the US

Premium costs in Minnesota are on average a bit lower than in the rest of the nation, but keep in mind that this is only an estimate of your actual costs. Your own coverage needs will be based on your unique circumstances. These can include the type of vehicle you drive, whether you have new teen drivers in your household, the amount of coverage you choose and your deductibles. So it is important to compare several Rochester car insurance quotes to find the right coverage and rates for you.

Required Car Insurance in Rochester, MN

  • Bodily injury liability: required
  • Property damage liability: required
  • Uninsured motorist: required
  • Underinsured motorist: required
  • Personal Injury Protection (PIP): required
  • Minimum liability limits: 30/60/10
    • Coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual, and $10,000 coverage for property damage.

Like every US state, Minnesota has financial responsibility laws requiring that you carry a minimum amount of liability insurance. You are also required to have uninsured motorist coverage and personal injury protection (PIP) in addition to your basic liability package. The penalties for failure to meet these requirements
are pretty stiff: first offense, $200 to $1,000 fine and/or up to 90 days in jail;  subsequent convictions within 10 years, $200 to $3,000 fine and/or up to one year in jail.

You can also choose to purchase additional coverage to reduce your risk of paying a large sum out of pocket in the event of an accident or other incident such as theft.

Many families own more than one car and have multiple drivers. Each of these vehicles and drivers may have their own unique coverage needs. This can make shopping for the right insurance even more complicated. A local independent agent can help by providing a range of options from a number of different insurance companies, and answering all of your questions, so you can make the most informed choice.

Uninsured Motorists in Minnesota:

  • National uninsured motorists: 12.6%
  • Minnesota uninsured motorists: 10.8%
  • Average vehicle repair cost in Minnesota: $2,396

The percentage of vehicle owners in Minnesota without required coverage is lower than the national average. But in the event of an accident where an uninsured driver is at fault, your uninsured motorist coverage will help you recoup damage and losses from an uninsured motorist faster, as your insurance company will provide immediate compensation.

Car Thefts in Minnesota:

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Minnesota vehicle thefts (per 1,000 registered vehicles): 1.74

The lower car theft rate in Minnesota doe not mean that your car won't be stolen. You can decrease the risk of this type of loss with a few common-sense measures such as parking your car in secure or well-lit areas and always locking it. Improvements in security like anti-theft devices and GPS can also provide protection, and a comprehensive car insurance policy will protect this big investment.

Find the Right Rochester Car Insurance for Your Budget

Your auto insurance costs will depend upon factors like your age, driving record, and the type of car you own. The way you use your vehicle and even your credit score may matter. Most people know that you can find various rates by reviewing auto quotes through a number of different insurance companies. But what you may not know is that you don’t have to do all of the cost comparisons yourself.

You can turn to a local independent agent in the Trusted Choice network, who will help you compare Rochester auto insurance quotes from several different insurance companies. When you have one source for multiple quotes, you can be sure you are comparing “apples to apples,” and looking at the different rates available for the same coverage amounts.

Contact a local independent agent right here in your neighborhood to compare Rochester car insurance options and find the right coverage at a price you can afford.

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