Auto Insurance in Rochester

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A World-Renowned Destination in Minnesota

Rochester is one of Minnesota's prime hubs and the third-largest city in the state. The metro area has a population of 160,000 people, including business professionals, college students, families and visitors seeking medical treatment at the internationally famous Mayo Clinic. There are plenty of fun things in Rochester for your family to explore, including more than 85 miles of trails. 3,500 acres of parks and a dozen shopping centers, such as the Apache Mall.

The Need for Dependable Auto Insurance in Rochester

Even though Rochester has a laid-back atmosphere, it gets a lot of traffic. Four major roadways travel through the area: I-90 and state highways 52, 63 and 14. According to the Minnesota Department of Transportation, some of these highways get upwards of 45,000 to 85,000 vehicles in average daily traffic. For a population of 160,000, that's a tremendous volume of highway traffic, and it can lead to unexpected car accidents.

Many of these vehicles come from surrounding areas; typical drivers are people visiting the Mayo Clinic or studying at the area's universities. There are over 13,000 college students enrolled at the University of Minnesota-Rochester, Mayo Clinic College of Medicine and Science and the Rochester Community and Technical College. If you drive every day to study or work, you need good auto insurance in Rochester.

An Amazing Commute

Living in Rochester probably means your family has a great commute. On average, local workers only have to drive about 18 minutes each way, considerably less than the U.S. average of 27 minutes. Most Rochester households own two vehicles, though 25% have three or more cars.

With such a short drive, it's no wonder that 70% of locals take their own car to work or school. Another 12% choose carpooling, and 10% work from home. Only about 5% of households use public transportation.

Tips for Selecting Rochester Car Insurance

VIU by HUB is a helpful tool for comparing auto insurance options for your family. It can show you different insurers, policies and add-ons, giving you the ability to customize your insurance coverage quickly. What should you look for in auto insurance for Rochester?

Unnecessary Coverage

One way to save money on your car insurance is to look for coverage that you may not be using. For example, in Rochester, auto theft isn't a major concern. It happens, but the local average of 110 cases per 100,000 people is less than half of other U.S. cities, which is about 265 cases per 100,000. Comprehensive coverage can be useful for weather-related vehicle damage, but you may not need as much theft coverage.

Local Risks

Car accidents do happen in Rochester. There are almost 2,000 crashes every year in the area, which amounts to an average of nearly 40 per week. Even more concerning are the 520 annual alcohol-related crashes, which often lead to serious injuries or worse.

Medical Costs

Car accident injuries get very expensive quickly. In Minnesota, even minor injuries cost about $40,000 on average. Serious injuries can eat up $150,000 of your savings or more. Make sure your personal injury coverage is adequate for the risks your family faces on the road.

Local Car Insurance Costs

Auto insurance in Rochester is relatively affordable for families: about $50 a month for basic coverage and $135 a month for full coverage. VIU by HUB can help you scout out additional options you want to strengthen your coverage in specific areas, such as collision insurance or medical payments coverage.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


City of Rochester

MN Department of Transportation

Data USA

MN Department of Public Safety

MN Office of Traffic Safety


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