Best Cheap Auto Insurance in Rochester, TX (2021)

The average Rochester, TX auto insurance rates are $308 per month. The minimum auto insurance in Rochester is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Rochester, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Jul 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Rochester for teen drivers is Progressive
  • The minimum auto insurance required in Rochester, Texas is 30/60/25
  • The cheapest auto insurance company in Rochester is USAA

Rochester, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Rochester to other Texas cities, including El Paso auto insurance rates, Plano auto insurance rates, and Dallas auto insurance rates to see how Rochester, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Rochester, Texas

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

Minimum Required Auto Insurance Coverage in Rochester, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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

Auto insurance rates in Rochester, Texas 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, Texas

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 $3,501 $3,557 $3,460 $3,460 $8,971 $10,917 $4,358 $4,587
American Family $2,879 $3,157 $2,533 $2,861 $6,576 $8,730 $3,937 $4,485
GEICO $2,310 $2,440 $2,125 $2,328 $4,818 $5,062 $2,503 $2,554
Nationwide $2,430 $2,480 $2,141 $2,277 $6,780 $8,753 $2,842 $3,085
Progressive $2,465 $2,358 $2,187 $2,232 $10,114 $11,295 $2,931 $2,985
State Farm $1,761 $1,761 $1,556 $1,556 $4,026 $5,098 $1,901 $1,967
USAA $1,454 $1,480 $1,376 $1,388 $3,876 $4,276 $1,946 $2,126

Cheap Rochester, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Rochester, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,971 $10,917
American Family $6,576 $8,730
GEICO $4,818 $5,062
Nationwide $6,780 $8,753
Progressive $10,114 $11,295
State Farm $4,026 $5,098
USAA $3,876 $4,276

Cheap Rochester, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Rochester, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,460 $3,460
American Family $2,533 $2,861
GEICO $2,125 $2,328
Nationwide $2,141 $2,277
Progressive $2,187 $2,232
State Farm $1,556 $1,556
USAA $1,376 $1,388

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

Annual Rochester, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,237 $6,334 $6,598 $4,237
American Family $4,030 $5,067 $4,452 $4,030
GEICO $2,563 $3,308 $2,880 $3,319
Nationwide $3,329 $3,329 $4,966 $3,770
Progressive $3,987 $5,138 $4,662 $4,497
State Farm $2,201 $2,497 $2,915 $2,201
USAA $1,686 $2,452 $2,888 $1,934

Cheap Rochester, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Rochester, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,598
American Family $4,452
GEICO $2,880
Nationwide $4,966
Progressive $4,662
State Farm $2,915
USAA $2,888

Cheap Rochester, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Rochester, Texas

Insurance Company Poor Fair Good
Allstate $6,809 $4,986 $4,259
American Family $6,208 $3,728 $3,248
GEICO $4,648 $2,639 $1,766
Nationwide $4,628 $3,700 $3,218
Progressive $5,162 $4,442 $4,109
State Farm $3,477 $2,162 $1,721
USAA $3,323 $1,888 $1,510

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Cheap Rochester, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Rochester, Texas

ZIP Code Average Annual Rates
79544 $5,405

Cheap Rochester, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Rochester, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,232 $5,471
American Family $4,395 $4,395
GEICO $2,953 $3,082
Nationwide $3,849 $3,849
Progressive $4,571 $4,571
State Farm $2,453 $2,453
USAA $2,212 $2,269

Cheap Rochester, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Rochester, Texas

Insurance Company Low Medium High
Allstate $5,267 $5,320 $5,467
American Family $4,190 $4,291 $4,703
GEICO $2,915 $2,996 $3,141
Nationwide $4,170 $3,681 $3,695
Progressive $4,353 $4,552 $4,808
State Farm $2,344 $2,447 $2,570
USAA $2,181 $2,233 $2,307

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Best By Category: Cheapest Auto Insurance in Rochester, Texas

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

Best Annual Auto Insurance Rates by Company in Rochester, Texas

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

The Cheapest Rochester, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Rochester, Texas

Insurance Company Average Annual Rates
Allstate $5,351
American Family $4,395
GEICO $3,018
Nationwide $3,849
Progressive $4,571
State Farm $2,453
USAA $2,240

What affects auto insurance rates in Rochester, Texas?

There are a lot of reasons why auto insurance rates in Rochester, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Rochester, Texas. 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, Texas commute length is 19.4 minutes according to City-Data.

Rochester Traffic

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

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Compare Rochester, Texas Auto Insurance Quotes

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

Free Auto Insurance Comparison

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