Best Cheap Auto Insurance in Rochester, WI (2021)

The average Rochester, WI auto insurance rates are $238 per month. The minimum auto insurance in Rochester is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Rochester, Wisconsin, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 18, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in Rochester for teen drivers is Farmers
  • The cheapest auto insurance company in Rochester is American Family
  • Average auto insurance rates in Rochester, WI for senior drivers are $1,551 per year

Rochester, Wisconsin auto insurance requirements are 25/50/10 according to Wisconsin 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, Wisconsin, including driving record, credit, commute time, and more.

Compare auto insurance in Rochester to other Wisconsin cities, including Eau Claire auto insurance rates, Milwaukee auto insurance rates, and Waukesha auto insurance rates to see how Rochester, Wisconsin auto insurance rates stack up.

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

Minimum Auto Insurance in Rochester, Wisconsin

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

Minimum Required Auto Insurance Coverage in Rochester, Wisconsin

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Auto insurance rates in Rochester, Wisconsin 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, Wisconsin

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 $2,214 $2,315 $2,070 $2,281 $7,792 $10,013 $2,215 $2,394
American Family $898 $935 $869 $870 $2,960 $3,241 $1,074 $1,140
Farmers $1,822 $1,816 $1,608 $1,714 $9,070 $9,383 $2,074 $2,157
GEICO $1,316 $1,479 $1,421 $1,684 $4,600 $4,942 $1,210 $1,224
Liberty Mutual $1,446 $1,565 $1,163 $1,313 $5,652 $6,323 $1,533 $1,644
Nationwide $3,298 $3,457 $2,769 $2,905 $7,164 $11,089 $4,048 $4,715
Progressive $1,503 $1,406 $1,235 $1,299 $6,157 $6,909 $1,797 $1,947
State Farm $1,289 $1,289 $1,164 $1,164 $3,929 $4,939 $1,460 $1,678
USAA $1,296 $1,281 $1,190 $1,192 $3,479 $3,996 $1,667 $1,808

Cheap Rochester, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Rochester, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,792 $10,013
American Family $2,960 $3,241
Farmers $9,070 $9,383
GEICO $4,600 $4,942
Liberty Mutual $5,652 $6,323
Nationwide $7,164 $11,089
Progressive $6,157 $6,909
State Farm $3,929 $4,939
USAA $3,479 $3,996

Cheap Rochester, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Rochester, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,070 $2,281
American Family $869 $870
Farmers $1,608 $1,714
GEICO $1,421 $1,684
Liberty Mutual $1,163 $1,313
Nationwide $2,769 $2,905
Progressive $1,235 $1,299
State Farm $1,164 $1,164
USAA $1,190 $1,192

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

Annual Rochester, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,157 $4,387 $4,131 $3,971
American Family $1,433 $1,520 $1,520 $1,520
Farmers $3,224 $4,093 $3,864 $3,641
GEICO $1,515 $2,506 $2,970 $1,948
Liberty Mutual $1,954 $2,837 $2,904 $2,625
Nationwide $4,169 $4,822 $5,909 $4,822
Progressive $2,538 $3,107 $2,644 $2,836
State Farm $1,928 $2,300 $2,114 $2,114
USAA $1,548 $1,970 $2,666 $1,771

Cheap Rochester, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Rochester, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,131
American Family $1,520
Farmers $3,864
GEICO $2,970
Liberty Mutual $2,904
Nationwide $5,909
Progressive $2,644
State Farm $2,114
USAA $2,666

Cheap Rochester, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Rochester, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,132 $3,530 $3,073
American Family $2,009 $1,321 $1,165
Farmers $4,175 $3,550 $3,392
GEICO $2,935 $2,091 $1,678
Liberty Mutual $3,691 $2,269 $1,780
Nationwide $5,542 $4,625 $4,625
Progressive $3,131 $2,695 $2,519
State Farm $3,153 $1,810 $1,378
USAA $3,033 $1,627 $1,306

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Rochester, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Rochester, Wisconsin

ZIP Code Average Annual Rates
53185 $2,818

Cheap Rochester, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Rochester, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,818 $4,006
American Family $1,472 $1,524
Farmers $3,706 $3,706
GEICO $2,193 $2,276
Liberty Mutual $2,580 $2,580
Nationwide $4,930 $4,930
Progressive $2,782 $2,782
State Farm $2,061 $2,167
USAA $1,963 $2,014

Cheap Rochester, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Rochester, Wisconsin

Insurance Company Low Medium High
Allstate $3,712 $3,901 $4,122
American Family $1,471 $1,513 $1,511
Farmers $3,383 $3,677 $4,057
GEICO $2,025 $2,233 $2,445
Liberty Mutual $2,342 $2,608 $2,789
Nationwide $4,739 $4,925 $5,128
Progressive $2,568 $2,812 $2,966
State Farm $1,979 $2,122 $2,241
USAA $1,902 $1,991 $2,073

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Rochester, Wisconsin

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

Best Annual Auto Insurance Rates by Company in Rochester, Wisconsin

Category Insurance Company
Teenagers American Family
Seniors American Family
Clean Record American Family
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation American Family

The Cheapest Rochester, Wisconsin Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Rochester, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,912
American Family $1,498
Farmers $3,706
GEICO $2,235
Liberty Mutual $2,580
Nationwide $4,930
Progressive $2,782
State Farm $2,114
USAA $1,989

What affects auto insurance rates in Rochester, Wisconsin?

There are a lot of reasons why auto insurance rates in Rochester, Wisconsin are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Rochester, Wisconsin. 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, Wisconsin commute length is 27.7 minutes according to City-Data.

Rochester Traffic

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Rochester, Wisconsin Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption