Car Insurance Cost in Rochester, MN – Cheapest Autos to Insure (2025)

• Car insurance in Rochester cost an average of $2,092 per year, or about $174 per month for full coverage.
• Auto insurance rates for a few popular models in Rochester include the Honda Accord at $168 per month, Chevrolet Equinox at $161, and Toyota RAV4 at $161.
• Models like the Kia Soul, Chevrolet Trailblazer, Buick Encore, and Ford Bronco Sport have top rankings for cheap car insurance in Rochester.
• A few vehicles with the cheapest car insurance in Rochester in their automotive segment include the Subaru Crosstrek, Kia K5, Acura RDX, Chevrolet Colorado, and Honda Passport.

How much does Rochester car insurance cost?

Rochester car insurance costs an average of $2,092 per year, which is 6% less than the U.S. average rate of $2,221. Average car insurance cost per month in Rochester is $174 for a full-coverage car insurance policy.

In the state of Minnesota, the average car insurance expense is $2,228 per year, so the average cost in Rochester is $136 less per year. When prices are compared to other cities in Minnesota, the average cost to insure a car in Rochester is approximately $138 per year less than in Bloomington, $404 per year cheaper than in Minneapolis, and $412 per year less than in St. Paul.

The age of the driver is the single-largest factor that determines the price you pay for car insurance, so the list below details how age impacts cost by breaking down average car insurance rates in Rochester for drivers from 16 to 60.

Average car insurance rates in Rochester, MN, for drivers age 16 to 60

• 16-year-old rated driver – $7,447 per year or $621 per month
• 17-year-old rated driver – $7,216 per year or $601 per month
• 18-year-old rated driver – $6,466 per year or $539 per month
• 19-year-old rated driver – $5,890 per year or $491 per month
• 20-year-old rated driver – $4,208 per year or $351 per month
• 30-year-old rated driver – $2,232 per year or $186 per month
• 40-year-old rated driver – $2,092 per year or $174 per month
• 50-year-old rated driver – $1,854 per year or $155 per month
• 60-year-old rated driver – $1,732 per year or $144 per month

The next chart shows average Rochester auto insurance cost for all 2024 models. Rates are averaged for all Rochester Zip Codes and shown not only for different driver ages, but also for different policy deductible limits.

Average car insurance rates in the previous chart range from $1,466 per year for a policy with high physical damage deductibles for a 60-year-old driver to $4,892 per year for a 20-year-old driver with a policy with low comprehensive and collision deductibles.

When that data is converted to a monthly rate, the average cost of car insurance per month in Rochester ranges from $122 to $408.

Rochester auto insurance rates can cost significantly different amounts and are impacted by a lot of factors. The likelihood of significant rate variability increases the need for multiple car insurance quotes when looking for the cheapest car insurance in Rochester.

Most popular vehicles in Rochester

The previously discussed auto insurance rates consist of an average based on every 2024 vehicle model, which is useful for making generalized comparisons such as the cost difference between two locations.

Average car insurance rates are awesome for answering questions like “is auto insurance in Rochester cheaper than Duluth?” or “is Minnesota auto insurance cheaper than Florida?”.

For more complete car insurance cost comparisons, however, the data will be better if we perform a rate analysis for the specific model of vehicle being insured. Each vehicle model has a unique risk profile for determining how much it costs to insure it and this data enables us to make cost projections and comparisons.

The next chart shows average auto insurance cost for some of the more popular models that you’ll see on the streets of Rochester. Later on, there is a section that analyzes the cost of insurance for a few of these models in more detail.

What vehicles have the cheapest car insurance quotes?

The vehicles with the cheapest average auto insurance quotes in Rochester, MN, tend to be crossovers and compact SUVs like the Subaru Crosstrek, Kia Soul, and Hyundai Venue.

Average car insurance rates for those vehicles cost $1,700 or less per year to get full coverage.

Some additional models that are highly ranked in our auto insurance cost comparison are the Buick Encore, Honda HR-V, Volkswagen Tiguan, and Buick Envista. Average rates are a few dollars per month higher for those models than the cheapest small SUVs and crossovers that rank at the top, but they still have an average insurance cost of $152 or less per month.

The table below shows the 40 cars, trucks, and SUVs with the cheapest insurance rates in Rochester, sorted by annual and monthly insurance cost.

A list of 40 vehicles with the cheapest insurance in Rochester is not really the best way to show a complete view of the cost of car insurance in Rochester. Due to the fact that we track over 700 vehicles, less than 6% of total vehicles are shown. Let’s try a different approach and reorganize the vehicles with the best rates a more sensible way, by segment.

The section below illustrates the average cost to insure each different vehicle segment. The rates shown in the chart should give a good foundation of which types of cars, trucks, and SUVs that have the overall cheapest average car insurance rates. Then the six sections following the chart will break out the cheapest rates for individual vehicles in each segment.

Rochester car insurance rates by automotive segment

If you’re looking around at new or used cars, it’s a good idea to have a basic understanding of which types of vehicles are cheaper to insure.

For example, some people wonder if compact SUVs are cheaper to insure than midsize SUVs or if half-ton pickups are cheaper to insure than heavy duty pickups.

The next chart shows average auto insurance cost by vehicle segment in Rochester. From an overal segment perspective, compact and midsize SUVs, vans, and midsize pickups have the least expensive rates, while exotic performance cars have the most expensive overall rates.

Average rates by automotive segment are suitable to form a general comparison, but insurance rates for specific models range substantially within each segment listed in the chart above.

For example, in the midsize SUV segment, car insurance rates in Rochester range from the Honda Passport at $1,666 per year for a full coverage policy up to the Rivian R1S costing $2,572 per year, a difference of $906 within that segment. As another example, in the midsize truck segment, rates range from the Chevrolet Colorado at $1,842 per year up to the Rivian R1T at $2,608 per year, a difference of $766 within that segment.

In these next sections, we eliminate much of the variability by looking at the cost of auto insurance in Rochester for individual vehicle models.

Cheapest cars to insure in Rochester

For 2024 models, the five lowest-cost cars to insure in Rochester are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Average rates for for these five cars range from $1,816 to $1,920 per year.

Other cars that have good average insurance rates are the Toyota Prius, Chevrolet Malibu, Honda Accord, and Toyota Corolla, with average annual insurance rates of $2,038 per year or less.

Additional vehicles on the list include the Mitsubishi Mirage G4, Subaru Legacy, Mazda 3, and Hyundai Ioniq 6, which average between $2,038 and $2,162 to insure per year.

From a monthly standpoint, full-coverage auto insurance on this segment in Rochester will start around $151 per month, depending on your company and location. The comparison table below ranks the twenty cars with the lowest-cost car insurance in Rochester, starting with the Toyota GR Corolla at $1,816 per year ($151 per month) and ending with the Mazda 3 at $2,162 per year ($180 per month).

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Is your vehicle not in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Rochester car insurance quotes from top-rated car insurance companies in Minnesota.

Cheapest SUV insurance rates in Rochester, MN

Ranking in the top five for the cheapest Rochester car insurance rates in the SUV segment (excluding luxury models) are the Chevrolet Trailblazer, Kia Soul, Subaru Crosstrek, Nissan Kicks, and Honda Passport. Car insurance rates for these vehicles average $1,666 or less per year.

Also ranking in the top 10 are SUVs like the Ford Bronco Sport, Toyota Corolla Cross, Mazda CX-5, and Hyundai Venue, with an average cost to insure of $1,712 per year or less.

On a monthly basis, auto insurance rates in Rochester on this segment for a safe driver starts at around $129 per month, depending on your location and insurance company.

The table below ranks the twenty SUVs with the lowest-cost car insurance rates in Rochester.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the table above? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Rochester car insurance quotes from top-rated car insurance companies in Minnesota.

Cheapest luxury car insurance rates in Rochester, MN

The four cheapest luxury car models to insure in Rochester are the Acura Integra at $1,858 per year, BMW 330i at $2,128 per year, Mercedes-Benz CLA250 at $2,150 per year, and Lexus IS 300 at $2,154 per year.

Some other luxury cars that have affordable average insurance rates are the Genesis G70, Cadillac CT4, Mercedes-Benz AMG CLA35, and Lexus ES 350, with average annual insurance rates of $2,196 per year or less.

In the lower half of the top 20 luxury cars to insure, models like the BMW 230i, BMW 228i, Lexus ES 300h, BMW 330e, and Cadillac CT5 average between $2,196 and $2,344 to insure per year in Rochester.

On a monthly basis, full-coverage insurance on this segment in Rochester for an average middle-age driver starts at an average of $155 per month, depending on your company and location.

The next table ranks the twenty luxury cars with the lowest-cost insurance rates in Rochester.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Looking for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Minnesota.

Cheapest luxury SUV insurance rates in Rochester

Ranking at the top for the cheapest Rochester car insurance rates in the luxury SUV segment are the Cadillac XT4, Jaguar E-Pace, Cadillac XT5, Lexus NX 250, and Acura RDX. Rates for these vehicles average $164 or less per month.

Other luxury SUVs that rank well include the Mercedes-Benz GLB 250, Lexus NX 450h, Lexus UX 250h, and Lincoln Corsair, with average insurance cost of $2,016 per year or less.

Additional 2024 luxury models that rank well include the Mercedes-Benz GLA250, Acura MDX, Cadillac XT6, and Infiniti QX50, which average between $2,016 and $2,096 per year for full-coverage insurance in Rochester.

As a cost per month, auto insurance on this segment in Rochester for a good driver will start around $146 per month, depending on your company and location. The rate comparison table below ranks the SUVs with the most affordable average insurance rates in Rochester, starting with the Acura RDX at $146 per month and ending with the Lexus RX 350 at $175 per month.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Don’t see insurance cost for your luxury SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Minnesota.

Cheapest sports cars to insure in Rochester, MN

The most affordable sports cars to insure in Rochester are the Mazda MX-5 Miata at $1,934 per year, the Toyota GR86 at $2,202 per year, and the Ford Mustang at $2,296 per year.

Rounding out the top 10 are cars like the Lexus RC F, Toyota GR Supra, BMW M2, and Nissan Z, with average cost of $2,500 per year or less.

From a cost per month standpoint, full-coverage auto insurance in Rochester on this segment for a safe driver starts at around $161 per month, depending on your location.

The next table ranks the twenty sports cars with the cheapest auto insurance rates in Rochester, starting with the Mazda MX-5 Miata at $1,934 per year ($161 per month) and ending with the Porsche Taycan at $3,540 per year ($295 per month).

Need rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Minnesota.

Cheapest pickup trucks to insure in Rochester

The Chevrolet Colorado takes the #1 ranking as the cheapest pickup to insure in Rochester, followed by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model averages $1,842 per year to insure with full coverage.

Other pickups that have cheaper rates include the GMC Canyon, GMC Sierra 2500 HD, Hyundai Santa Cruz, and Toyota Tacoma, with average insurance cost of $2,150 per year or less.

On a monthly basis, car insurance rates in Rochester on this segment for a good driver can cost as low as $154 per month, depending on the company and your location. The next table ranks the twenty pickups with the most affordable auto insurance rates in Rochester, starting with the Chevrolet Colorado at $1,842 per year and ending with the Ram Truck at $2,418 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Is your pickup truck missing from the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Rochester car insurance quotes from top companies in Minnesota.

Helpful tips to save on car insurance

Resourceful drivers in Rochester are always searching for ways to pay less for auto insurance, so run through the savings concepts in this next list and maybe you’ll be able to save a little cash on your next renewal.

• Get a discount from your employer. The large majority of auto insurance companies offer discounts for being employed in occupations like emergency medical technicians, dentists, members of the military, accountants, college professors, firefighters, and others. Having this discount applied to your policy could potentially save between $63 and $203 on your yearly insurance bill, depending on the policy coverages selected.
• Choose a vehicle that is cheaper to insure. The vehicle you choose to drive has a big impact on the price you pay for car insurance. As an example, a Volvo XC40 costs $892 less per year to insure in Rochester than a Porsche 911. Insure lower performance vehicles and save money.
• More discounts equals more savings. Discounts may be available if the policyholders insure multiple vehicles on the same policy, work in certain occupations, drive low annual mileage, are senior citizens, are good students, or many other discounts which could save the average Rochester driver as much as $356 per year on car insurance.
• You don’t have to stick with the same company. Taking a few minutes to get a few free car insurance quotes could significantly reduce the cost of insurance. Companies make rate modifications frequently and you can switch anytime.
• If your vehicle is older, reduce coverage. Removing physical damage coverage (comprehensive and collision) from vehicles whose value has dropped to the point where coverage is not cost effective can cut the cost of insurance considerably.
• The real world isn’t Grand Theft Auto. If you want the cheapest car insurance in Rochester, it pays to follow the law. In fact, just one or two blemishes on your driving record could raise the price of a policy as much as $554 per year. Major misdemeanors like driving on a suspended license could raise rates by an additional $1,944 or more.
• Save money by raising deductibles. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.