Best Cheap Auto Insurance in Rochester, MI (2021)

The average Rochester, MI auto insurance rates are $919 per month. The minimum auto insurance in Rochester is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Rochester, Michigan, 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

  • The cheapest auto insurance company in Rochester is USAA
  • Average auto insurance rates in Rochester, MI for senior drivers are $7,273 per year
  • The minimum auto insurance required in Rochester, Michigan is 20/40/10

Rochester, Michigan auto insurance requirements are 20/40/10 according to Michigan 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, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Rochester to other Michigan cities, including Detroit auto insurance rates, Livonia auto insurance rates, and Flint auto insurance rates to see how Rochester, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Rochester, Michigan

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

Minimum Required Auto Insurance Coverage in Rochester, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Rochester, Michigan 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, Michigan

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 $17,929 $17,929 $16,574 $16,574 $46,259 $46,259 $18,919 $18,919
Farmers $5,324 $5,324 $4,935 $4,935 $12,010 $12,010 $6,027 $6,027
GEICO $6,150 $6,150 $6,305 $6,305 $16,620 $16,620 $5,848 $5,848
Liberty Mutual $16,564 $16,564 $16,402 $16,402 $38,633 $38,633 $16,564 $16,564
Nationwide $3,157 $3,157 $2,837 $2,837 $7,893 $7,893 $3,438 $3,438
Progressive $3,612 $3,319 $3,190 $3,597 $13,623 $14,459 $4,209 $3,825
State Farm $7,636 $7,636 $7,100 $7,100 $27,208 $27,208 $8,988 $8,988
Travelers $6,207 $6,207 $5,324 $5,324 $18,779 $18,779 $6,745 $6,745
USAA $2,831 $2,676 $2,662 $2,505 $7,160 $6,812 $3,468 $3,321

Cheap Rochester, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Rochester, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $46,259 $46,259
Farmers $12,010 $12,010
GEICO $16,620 $16,620
Liberty Mutual $38,633 $38,633
Nationwide $7,893 $7,893
Progressive $13,623 $14,459
State Farm $27,208 $27,208
Travelers $18,779 $18,779
USAA $7,160 $6,812

Cheap Rochester, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Rochester, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $16,574 $16,574
Farmers $4,935 $4,935
GEICO $6,305 $6,305
Liberty Mutual $16,402 $16,402
Nationwide $2,837 $2,837
Progressive $3,190 $3,597
State Farm $7,100 $7,100
Travelers $5,324 $5,324
USAA $2,662 $2,505

Cheap Rochester, Michigan 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, Michigan compared to the annual auto insurance rates with a clean record in Rochester, Michigan.

Annual Rochester, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,988 $15,998 $54,769 $16,926
Farmers $5,902 $7,610 $7,481 $7,305
GEICO $3,007 $6,475 $19,813 $5,627
Liberty Mutual $15,105 $18,484 $35,018 $19,556
Nationwide $3,723 $4,937 $4,489 $4,175
Progressive $5,252 $6,969 $6,236 $6,460
State Farm $7,993 $9,642 $21,181 $12,114
Travelers $6,248 $8,946 $14,471 $7,391
USAA $3,151 $3,951 $5,175 $3,439

Cheap Rochester, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Rochester, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $54,769
Farmers $7,481
GEICO $19,813
Liberty Mutual $35,018
Nationwide $4,489
Progressive $6,236
State Farm $21,181
Travelers $14,471
USAA $5,175

Cheap Rochester, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Rochester, Michigan

Insurance Company Poor Fair Good
Allstate $37,630 $20,926 $16,204
Farmers $9,963 $5,845 $5,415
GEICO $11,255 $8,246 $6,690
Liberty Mutual $34,882 $20,136 $11,105
Nationwide $5,399 $4,094 $3,500
Progressive $7,195 $6,056 $5,438
State Farm $20,661 $10,447 $7,090
Travelers $9,493 $9,207 $9,091
USAA $5,892 $3,349 $2,547

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Cheap Rochester, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Rochester, Michigan

ZIP Code Average Annual Rates
48306 $7,521
48307 $7,733
48309 $8,050

Cheap Rochester, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Rochester, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,920 $24,920
Farmers $7,074 $7,074
GEICO $8,532 $8,929
Liberty Mutual $21,290 $22,791
Nationwide $4,331 $4,331
Progressive $6,229 $6,229
State Farm $12,395 $13,070
Travelers $9,211 $9,317
USAA $3,885 $3,974

Cheap Rochester, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Rochester, Michigan

Insurance Company Low Medium High
Allstate $24,282 $24,977 $25,502
Farmers $6,866 $7,054 $7,303
GEICO $8,151 $8,645 $9,396
Liberty Mutual $21,533 $21,991 $22,598
Nationwide $4,485 $4,271 $4,237
Progressive $6,045 $6,237 $6,406
State Farm $12,113 $12,809 $13,277
Travelers $9,167 $9,274 $9,351
USAA $3,812 $3,939 $4,036

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Best By Category: Cheapest Auto Insurance in Rochester, Michigan

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

Best Annual Auto Insurance Rates by Company in Rochester, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

The Cheapest Rochester, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Rochester, Michigan

Insurance Company Average Annual Rates
Allstate $24,920
Farmers $7,074
GEICO $8,731
Liberty Mutual $22,041
Nationwide $4,331
Progressive $6,229
State Farm $12,733
Travelers $9,264
USAA $3,929

What affects auto insurance rates in Rochester, Michigan?

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

Rochester Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Rochester, Michigan auto theft statistics, there have been 1 auto thefts in the city.

Rochester Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Rochester, Michigan commute length is 26.9 minutes according to City-Data.

Rochester Traffic

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

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Compare Rochester, Michigan Auto Insurance Quotes

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