Rochester, MN Car Insurance

The Zebra
July 25, 2019

Car Insurance in Rochester

Premiums in Rochester, which sit under the state average by $91, are known for being inexpensive. Let’s take a look at how to save on car insurance in Rochester.

  • City Average: $1,167
  • State Average: $1,258
  • National Average: $1,427

Rochester Car Insurance by Accident or Violation History

Maintaining a clean driving record is imperative if you want to keep your car insurance premiums minimal. A DUI will increase your car insurance premiums more than other driving violations. Normally, a DUI in Rochester will cost you 62% more in car insurance premiums versus the city average ($1,167). Reckless driving will also push your premiums up, with typical rates of $1,731. That is 48% higher than the city average. In Rochester, those who are found at-fault in an accident spend $641 more than the city average on car insurance each year.

  • DUI: $1,891
  • Reckless Driving: $1,731
  • At-fault Accident (damages less than $1000): $1,808
  • At-fault Accident (damages greater than $2000): $1,808
  • Speeding Ticket (16-20 mph over speed limit): $1,451

Rochester Car Insurance by Credit Rating

For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers will see the greatest percent decrease in premiums when they boost their credit from Fair (580-669) to Good (670-739). That change can save them 22% per year.

  • Very Poor: $2,364
  • Fair: $1,905
  • Good: $1,487
  • Very Good: $1,227
  • Exceptional: $1,006

Rochester Car Insurance by Age

Rochester drivers see the greatest reduction in premiums when they reach their 20s, as they pay an average of $3,191 less after moving out of the teenage age bracket. Turning 60 causes an increase in insurance rates, but up until that point drivers can anticipate premium reductions when they transition between age groups. With car insurance payments of $4,804 on average, teenage drivers have the biggest premiums out of all the age groups. Drivers in their 50s save money on car insurance, as they have the smallest rates among all age groups, paying only $1,009 every year.

  • Teenagers: $4,804
  • 20s: $1,613
  • 30s: $1,147
  • 40s: $1,096
  • 50s: $1,009
  • 60s: $1,077
  • 70s: $1,296

Rochester Car Insurance by Gender and Marital Status

Various driver characteristics, including gender and marital status, can have an effect on car insurance premiums in Rochester. Premiums are more costly for women than for men. Women normally pay 4% more than men each year for insurance. Rates for those who are widowed or divorced are the same as rates for single individuals. In contrast, being single can cost you 8% more per year compared to being married.

  • Female: $1,213
  • Male: $1,167
  • Single: $1,167
  • Married: $1,082
  • Divorced: $1,167
  • Widowed: $1,167

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