How to Find Affordable Rochester, MN Car Insurance
Rochester, nestled in the heart of the American Midwest boasts picturesque landscapes with lush parks, winding rivers, and charming historic neighborhoods. For Rochester drivers it is required by MN law to ensure that you have adequate car insurance coverage before hitting the road. Comparing multiple car insurance policy rates has never been easier than with InsuranceQuotes. With real-time cost data and a user-friendly quote form, finding affordable auto insurance while saving both money and time becomes a seamless process. Don’t leave your financial security up to chance.
What is the Average Cost for Car Insurance in Rochester, MN?
- On average minimum liability costs for Rochester drivers is $81 a month or $973 a year.
- Full coverage policies cost around $231 a month or $2,770 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Rochester – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who are the Cheapest Car Insurance Providers in Rochester?
- In Rochester on average the cheapest car insurance providers are State Farm, American Family and Owners-Insurance Co. State minimum liability car insurance starts at $54 a month or $647 a year with State Farm. Full coverage car insurance starts at $157 a month or $1,887 a year with American Family.
Here is a breakdown of average costs from the cheapest local insurance providers in Rochester from our cost data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $647 | $54 | $2,352 | $196 |
| American Family | $860 | $72 | $1,887 | $157 |
| Owners Insurance | $944 | $79 | $3,740 | $312 |
| All State | $1,031 | $86 | $3,996 | $333 |
| Standard Fire Ins. Co | $1,577 | $131 | $3,408 | $284 |
Minnesota State Minimum Car Insurance Requirements
- Liability Coverage:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $10,000 for property damage per accident
- Personal Injury Protection (PIP):
- $40,000 for medical expenses per person
- $20,000 for non-medical expenses (such as lost wages) per person
- PIP coverage is mandatory in Minnesota and covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in the accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM):
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
These are the minimum coverage requirements mandated by the state of Minnesota. However, it’s important to note that drivers may choose to purchase higher coverage limits or additional types of coverage for more comprehensive protection.
Additionally, Minnesota also requires drivers to carry proof of insurance in their vehicles at all times and present it when requested by law enforcement officers or other authorities.
