Best Cheap Auto Insurance in Rochester, KY (2021)

The average Rochester, KY auto insurance rates are $357 per month. The minimum auto insurance in Rochester is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Rochester, Kentucky, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Rochester, KY for senior drivers are $2,398 per year
  • The average commute length in Rochester is 37.0 minutes
  • The most expensive auto insurance company in Rochester for teen drivers is Travelers

Rochester, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Rochester can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Rochester, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Rochester to other Kentucky cities, including George auto insurance rates, Independence auto insurance rates, and Covington auto insurance rates to see how Rochester, Kentucky auto insurance rates stack up.

Before you buy Rochester, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Rochester, Kentucky auto insurance quotes.

Minimum Auto Insurance in Rochester, Kentucky

Rochester, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Rochester, Kentucky.

Minimum Required Auto Insurance Coverage in Rochester, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Rochester, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Rochester, Kentucky are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Rochester, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,096 $3,070 $2,788 $2,972 $11,246 $12,625 $3,450 $3,658
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,656 $2,874 $2,281 $2,542 $10,904 $12,023 $2,761 $2,843
Nationwide $3,189 $3,204 $2,873 $3,015 $7,084 $8,879 $3,602 $3,796
Progressive $2,078 $1,988 $1,850 $1,863 $9,823 $11,141 $2,581 $2,663
State Farm $2,121 $2,121 $1,897 $1,897 $6,383 $8,063 $2,366 $2,657
Travelers $2,078 $2,115 $2,038 $2,044 $9,893 $15,891 $2,170 $2,503
USAA $1,887 $1,905 $1,693 $1,740 $4,875 $5,165 $2,398 $2,644

Cheap Rochester, Kentucky Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Rochester, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Rochester, Kentucky.

Annual Auto Insurance Rates for Teen Drivers in Rochester, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,246 $12,625
GEICO $6,831 $8,150
Liberty Mutual $10,904 $12,023
Nationwide $7,084 $8,879
Progressive $9,823 $11,141
State Farm $6,383 $8,063
Travelers $9,893 $15,891
USAA $4,875 $5,165

Cheap Rochester, Kentucky Auto Insurance for Seniors

What are senior auto insurance rates in Rochester, Kentucky? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Rochester, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,788 $2,972
GEICO $3,608 $3,267
Liberty Mutual $2,281 $2,542
Nationwide $2,873 $3,015
Progressive $1,850 $1,863
State Farm $1,897 $1,897
Travelers $2,038 $2,044
USAA $1,693 $1,740

Cheap Rochester, Kentucky Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Rochester, Kentucky compared to the annual auto insurance rates with a clean record in Rochester, Kentucky.

Annual Rochester, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,462 $5,800 $6,170 $5,021
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $4,051 $6,234 $4,847 $4,310
Nationwide $3,530 $4,583 $5,814 $3,894
Progressive $3,517 $5,177 $4,017 $4,282
State Farm $3,138 $3,737 $3,438 $3,438
Travelers $4,226 $4,347 $6,265 $4,527
USAA $2,103 $2,980 $3,541 $2,530

Cheap Rochester, Kentucky Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Rochester, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Rochester, Kentucky to find the best deal.

Annual Auto Insurance Rates After a DUI in Rochester, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,170
GEICO $6,862
Liberty Mutual $4,847
Nationwide $5,814
Progressive $4,017
State Farm $3,438
Travelers $6,265
USAA $3,541

Cheap Rochester, Kentucky Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Rochester, Kentucky annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Rochester, Kentucky

Insurance Company Poor Fair Good
Allstate $7,097 $4,901 $4,091
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,940 $4,272 $3,370
Nationwide $5,421 $4,249 $3,696
Progressive $4,765 $4,135 $3,846
State Farm $4,970 $3,001 $2,342
Travelers $5,397 $4,573 $4,555
USAA $4,165 $2,317 $1,884

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Cheap Rochester, Kentucky Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Rochester, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Rochester, Kentucky to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Rochester, Kentucky

ZIP Code Average Annual Rates
42273 $3,812

Cheap Rochester, Kentucky Auto Insurance Rates By Commute

Commute length and annual mileage affect Rochester, Kentucky auto insurance. Find the cheapest annual Rochester, Kentucky auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Rochester, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,363 $5,363
GEICO $4,191 $4,270
Liberty Mutual $4,861 $4,861
Nationwide $4,455 $4,455
Progressive $4,248 $4,248
State Farm $3,355 $3,521
Travelers $4,841 $4,841
USAA $2,683 $2,894

Cheap Rochester, Kentucky Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Rochester, Kentucky? Check out the comparison of annual Rochester, Kentucky auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Rochester, Kentucky

Insurance Company Low Medium High
Allstate $5,032 $5,344 $5,713
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,617 $4,827 $5,137
Nationwide $4,549 $4,401 $4,416
Progressive $3,988 $4,206 $4,550
State Farm $3,248 $3,434 $3,632
Travelers $4,589 $4,864 $5,071
USAA $2,673 $2,783 $2,910

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Best By Category: Cheapest Auto Insurance in Rochester, Kentucky

Compare the cheapest auto insurance companies in Rochester, Kentucky in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Rochester, Kentucky

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Rochester, Kentucky Auto Insurance Companies

What auto insurance companies in Rochester, Kentucky are the cheapest? Compare the top Rochester, Kentucky auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Rochester, Kentucky

Insurance Company Average Annual Rates
Allstate $5,363
GEICO $4,231
Liberty Mutual $4,861
Nationwide $4,455
Progressive $4,248
State Farm $3,438
Travelers $4,841
USAA $2,789

What affects auto insurance rates in Rochester, Kentucky?

There are a lot of reasons why auto insurance rates in Rochester, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Rochester, Kentucky. Many local factors may affect your Rochester auto insurance rates.

Rochester Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Rochester, Kentucky commute length is 37.0 minutes according to City-Data.

Rochester Traffic

How does Rochester, Kentucky rank for traffic? According to Inrix Rochester, Kentucky is the 252nd most congested worldwide.

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Compare Rochester, Kentucky Auto Insurance Quotes

Before you buy Rochester, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Rochester, Kentucky auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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