Having to pay for high-priced auto insurance in Rochester can empty your family's budget and force you to make sacrifices. Getting a rate comparison is a smart way to lower your bills every month.

A recent survey discovered that most auto insurance policyholders have purchased from the same company for more than four years, and 38% of drivers have never even compared quotes to find affordable rates. Many consumers in Minnesota could cut their rates by up to 50% a year by just comparing rate quotes, but they don't understand how simple it is to go online and compare rates.

Big-name insurance companies like Progressive, GEICO and Farmers Insurance constantly bombard you with fancy advertisements and consumers find it hard to see through the deception and do the work needed to find the best deal.

It's smart to shop coverage around before your next renewal because insurance prices go up and down regularly. If you had the best price on auto insurance last year you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because it's time to teach you the only way to reduce your cost while increasing coverage.

If you are paying for car insurance now, you will surely be able to find better prices using the ideas you're about to read. Locating the best insurance company for you in Rochester is not that difficult. Although Minnesota vehicle owners must learn the way insurance companies sell insurance online and use it to find better rates.

To find affordable Rochester car insurance quotes, there are several ways to compare quotes from different Rochester insurance companies. One of the best ways to find the lowest rates is to use the internet to compare rates.

It's so easy to compare quotes online that it makes it a waste of time to physically go to and from local Rochester insurance agencies. The ability to get quotes online eliminates the middleman unless you prefer the professional assistance of an agent trained in personal lines coverage. Some companies do allow you to compare online quotes but still have the advice of a local Rochester agent.

When comparing car insurance rates, know that having more price comparisons increases your odds of finding the best offered rates. Not every company allows you to get price estimates online, so you should also compare price quotes from them, too.

The providers in the list below are ready to provide price quotes in Minnesota. If multiple companies are shown, it's a good idea that you visit several of them in order to find the lowest rates.

Insurance Rates for Popular Vehicles in Rochester
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab 2WD $936 $468 $78
Dodge Ram Crew Cab Laramie 4WD $916 $458 $76
Ford Escape XLT 2WD $712 $356 $59
Ford F-150 STX Regular Cab 2WD $1,148 $574 $96
Ford Focus S 4-Dr Sedan $974 $487 $81
GMC Sierra SLE Regular Cab 2WD $886 $443 $74
Honda Accord LX-S 2-Dr Coupe $1,220 $610 $102
Honda CR-V EX-L 4WD $652 $326 $54
Honda Civic EX-L 2-Dr Coupe $1,034 $517 $86
Hyundai Sonata GLS 4-Dr Sedan $1,332 $666 $111
Jeep Grand Cherokee Limited 2WD $1,070 $535 $89
Nissan Altima 2.5 S 4-Dr Sedan $1,018 $509 $85
Toyota Camry SE $1,162 $581 $97
Toyota Corolla XRS $1,044 $522 $87
Volkswagen Jetta SE 4-Dr Sedan $1,086 $543 $91
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Prices do not factor in vehicle location which can raise or lower coverage rates substantially.

Raise deductibles and save

One of the hardest decisions when shopping for auto insurance is which deductible level should you buy. The following insurance rates approximate how much more you'll pay of buying low and high physical damage coverage deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Sentra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $214 $414 $318 $18 $94 $1,083 $90
Sentra 2.0 S $214 $486 $318 $18 $94 $1,155 $96
Sentra 2.0 SR $214 $486 $318 $18 $94 $1,155 $96
Sentra 2.0 SL $246 $486 $318 $18 $94 $1,187 $99
Sentra SE-R $246 $486 $318 $18 $94 $1,187 $99
Sentra SE-R SPEC V $246 $560 $318 $18 $94 $1,261 $105
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Nissan Sentra insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $132 $260 $318 $18 $94 $822 $69
Sentra 2.0 S $132 $306 $318 $18 $94 $868 $72
Sentra 2.0 SR $132 $306 $318 $18 $94 $868 $72
Sentra 2.0 SL $152 $306 $318 $18 $94 $888 $74
Sentra SE-R $152 $306 $318 $18 $94 $888 $74
Sentra SE-R SPEC V $152 $352 $318 $18 $94 $934 $78
Get a Quote for Your Vehicle Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in zip code location which can lower or raise price quotes substantially.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $25 more each month or $300 every year than buying the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 30 months between claim filings, you would save money if you decide on a higher deductible.

Take advantage of every auto insurance discount

Auto insurance is neither fun to buy or cheap, but you might be missing out on some discounts that can dramatically reduce your bill. Certain discounts will be applied at the time of purchase, but once in a while a discount must be requested specifically before they will apply.Auto insurance discounts

Policy discounts save money, but most credits do not apply to the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, you aren't that lucky.

Large auto insurance companies and a selection of discounts are shown below.

When getting free Rochester car insurance quotes, it's a good idea to every insurance company which discounts can lower your rates. Some credits may not apply to policyholders in every state.

Do I need an insurance agency?

Certain consumers prefer to sit down and talk to an agent and that is not a bad decision An additional benefit of comparing car insurance online is you can get cheaper prices and still buy from a local agent.

For easy comparison, once you complete this short form, the coverage information gets sent to agents in your area who will give you bids for your coverage. You won't need to search for any insurance agencies since price quotes are sent straight to your inbox. You can find the lowest rates and a licensed agent to work with. If for some reason you want to get a rate quote from a specific insurance company, feel free to go to their quote page and submit a quote form there.

Choosing the best company should depend on more than just a cheap price. Get answers to these questions too.

Below is a list of insurers in Rochester that are able to give price quote information.

2048 Superior Dr NW #100 - Rochester, MN 55901 - (507) 288-7600 - View Map

140 Elton Hills Ln NW #100 - Rochester, MN 55901 - (507) 288-0663 - View Map

3518 55th St NW - Rochester, MN 55901 - (507) 289-4663 - View Map

1903 S Broadway - Rochester, MN 55904 - (507) 282-4411 - View Map

View more Rochester agents

How to know if you need help

When choosing the right insurance coverage for your vehicles, there really isn't a "best" method to buy coverage. Everyone's situation is a little different and your auto insurance should be unique as well.Drive safe and save For example, these questions can aid in determining whether you could use an agent's help.

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance coverage considerations

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills such as EMT expenses, dental work, hospital visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Lowest and Highest Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Tesla Model S Nissan Sentra
Ford F-350 SuperCrew Mitsubishi Mirage
Chevrolet Corvette Chrysler 200
Audi A4 Allroad Nissan Versa
Ford F-250 SuperCrew Chevrolet Spark
Chevrolet Silverado 2500 Dodge Charger

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as falling objects, hitting a deer and fire damage. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Claims Highest Claims
GMC Sierra 2500 Mercedes-Benz S Class
Ford F-350 Porsche Panamera GTS
Nissan Leaf BMW M6
Infiniti QX50 Bentley Continental GT
Chevy Silverado 2500 Maserati Quattroporte
Volvo V60 BMW M6

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto liability insurance

This coverage protects you from injuries or damage you cause to people or other property. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 30/60/10 that means you have $30,000 in coverage for each person's injuries, a limit of $60,000 in injury protection per accident, and property damage coverage for $10,000.

Liability insurance covers things like medical services, structural damage, legal defense fees, attorney fees and repair bills for other people's vehicles. How much liability coverage do you need? That is your choice, but buy as much as you can afford. Minnesota state minimum liability requirements are 30/60/10 but you should consider buying better liability coverage.

Vehicles with the Lowest and Highest Liability Insurance Claims
Lowest Claims Highest Claims
Subaru Forester Hyndai Accent
Acura MDX Kia Optima
Volvo XC60 Mitsubishi Lancer
Audi A6 Chevrolet Sonic
Fiat 500 Dodge Charger
Subaru Outback Chrysler 200

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, rolling your car, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Collision Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Chevrolet Colorado Bently Continental GT
Jeep Wrangler Audi RS7
Ford F-150 SuperCrew Nissan GT-R
Ford Edge BMW 6 Series
Smart ForTwo Maserati Ghibli
Mini Cooper Maserati Granturismo

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your vehicle.

Since many Minnesota drivers have only the minimum liability required by law (Minnesota limits are 30/60/10), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

One last thing about your coverage

We just presented many ideas to reduce auto insurance premium rates online in Rochester. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest premium rates are with a small local company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

Discount auto insurance in Rochester is definitely available from both online companies as well as from independent agents in Rochester, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not have online price quotes and usually these regional carriers sell through local independent agents.

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