Cheapest Auto Insurance in Rochester, Michigan (2024)

Auto-Owners has the cheapest car insurance in Rochester, with an average liability rate of $62 per month.

Excellent
Allstate LogoProgressive LogoClearcover LogoFarmers LogoTravelers LogoGeico Logo100+ more

Cheapest recent rates near Rochester, Michigan

Drivers in and around Rochester, Michigan have found policies from GEICO, Safeco, USAA, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Rochester, Michigan within the last 10 days. Last updated on November 21, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Rochester, Michigan within the last 10 days. Last updated on November 21, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Janet Berry-Johnson
Janet Berry-Johnson
  • 8+ years writing about insurance, taxes, and personal finance

  • Certified public accountant

Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

Featured in

media logomedia logomedia logomedia logo
Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo

Updated November 21, 2024

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Rochester drivers pay an average of $169 per month for liability insurance, which is similar to the Michigan state average rate of $172 and higher than the national average of $104. Though Rochester has lower liability rates than Detroit, the city may have higher averages than some other Michigan cities due to its proximity to Detroit, which has high crime rates and expensive car insurance.[1]

But you can still find affordable coverage in Rochester if you compare car insurance quotes online from multiple insurers before buying a policy. Here’s what you need to know to find cheap auto coverage in Rochester.

Quick Facts
  • Auto-Owners, USAA, and Chubb offer some of the cheapest liability insurance options in Rochester.

  • The average monthly cost of full-coverage insurance is $301 in Rochester, $299 in Michigan, and $204 in the U.S.

  • Michigan has a no-fault insurance system, which contributes to its higher-than-average car insurance rates.

3 of the cheapest car insurance companies in Rochester

The cheapest car insurance company won’t always be your best option. Auto insurance companies consider many factors when setting rates, such as your age, ZIP code, driving record, and vehicle type.

Your rate will differ from every other driver, so it’s important to compare quotes from multiple car insurance companies to find the best fit. The table below outlines the top companies’ pros and cons and average monthly rates.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Chubb6.5$121$68Classic cars
Auto-Owners8.5$111$62Cheap rates
USAA9.4$112$63Military members
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for classic cars: Chubb

User Reviews
3.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$68/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$121/mo
3.6
A solid optionBased on 5 verified guest reviews and ratings
How drivers feel about Chubb

Drivers appreciate the professional customer service and quick claims handling but dislike the expensive rates and limited online portal.

AI-generated from the text of verified reviews collected by Insurify
Best For
High net worth drivers
Customer service
Classic car coverage
How drivers feel about Chubb

Drivers appreciate the professional customer service and quick claims handling but dislike the expensive rates and limited online portal.

AI-generated from the text of verified reviews collected by Insurify
Best For
High net worth drivers
Customer service
Classic car coverage
Reviews (4)

Cynthia

August 11, 2024

Verified Review

Excellent!

Absolutely great!

Alexander

June 18, 2024

Verified Review

I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.

I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.

Troy

October 6, 2021

Verified Review

Good

They are great to deal with, just expensive.
See all Chubb reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.41
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Based in New Jersey, Chubb’s personal insurance products include auto, classic car, aircraft, homeowners, renters, and condo insurance, as well as coverage for natural disasters, including earthquakes and floods. Auto insurance is only available in nine states. Chubb caters to high-net-worth drivers, people looking for high-limit coverage, and people looking for a range of insurance products.

Chubb has an A++ (Superior) rating from AM Best for financial stability and credit strength and no complaints on the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index.

Pros
  • Outstanding reputation for customer service

  • Numerous types of insurance products available

Cons
  • Not available in every state

  • Tailored to serve luxury vehicles

Best insurer for cheap rates: Auto-Owners

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$111/mo
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)

Debra

November 3, 2024

Verified Review

Excellent

They keep raising prices.

Scotty

November 2, 2024

Verified Review

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.

Dana

October 31, 2024

Verified Review

Average

Ask many questions to cover all aspects of the policy.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Headquartered in Lansing, Michigan, Auto-Owners is one of the nation’s largest insurers, serving nearly 3 million policyholders in 26 states. The company launched in 1916 and today sells car, home, life, and commercial insurance policies. AM Best gives Auto-Owners a financial strength and credit rating of A++ (Superior), and the company has significantly fewer customer complaints than the industry average, according to the NAIC.

J.D. Power gave the company high marks for claims satisfaction. Auto-Owners offers several discounts, including those for having multiple policies with the insurer and paying in full.

Pros
  • High customer satisfaction scores

  • Multiple discounts

Cons
  • Available in only 26 states

  • Can only get quotes through an agent

Best insurer for military members: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$112/mo
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)

Gloria

November 15, 2024

Verified Review

Not Good for Claims

I have storm damage and the claim process is not satisfactory.

Martin

November 11, 2024

Verified Review

Price Shopping

I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.

Rena Sabine

November 8, 2024

Verified Review

Disappointing and inflexible service

My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including discounts for bundling, insuring multiple vehicles, living on a military base, and more.

AM Best gave USAA an A++ (Superior) rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s U.S. Customer Service Index. But customer reviews are mixed for service and claims processing.

Pros
  • High customer satisfaction scores

  • Savings of up to 30% possible via SafePilot

Cons
  • Only available to active-duty military veterans, military spouses, or children of service members or veterans

  • No 24/7 customer phone support

Top 10 Cheapest Car Insurance Companies for November 2024

Top 10 Cheapest Car Insurance Companies for November 2024

How to get the cheapest car insurance in Rochester, MI

Insurance companies consider several factors when determining car insurance rates, including your age, driving history, vehicle type, and even the ZIP code where you park your car at night.

Here are a few things to help you find car insurance to fit your budget in Rochester:

  • Bundle your auto and home insurance policies. If you have multiple types of insurance, including home insurance, renters insurance, life insurance, business insurance, or multiple vehicles, you may qualify for discounts by bundling your policies or insuring multiple vehicles on one policy.

  • Maintain a clean driving record. Your driving history has a big effect on your insurance rates. Car owners with accidents or moving violations on their records typically pay higher rates than drivers with a clean record, so practicing safe driving habits can help you keep a clean record and qualify for more affordable rates.

  • Take advantage of usage-based insurance. Some car insurance companies now offer usage-based insurance, which determines your premiums based on how often you drive and your driving behaviors. You may have to install a telematics device on your car or install a smartphone app to track your mileage and driving activity. Ask your insurance agent or auto insurance company about available telematics device discounts.

  • Shop around. Different companies offer different rates — even for seemingly identical drivers and coverages. Comparing quotes from multiple insurance companies can help ensure you find the cheapest car insurance.

Find Cheap Car Insurance in Rochester, Michigan

Monthly rates start as low as $62 for liability coverage

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Rochester: Auto-Owners

Liability-only car insurance is a type of car insurance policy that covers the cost of damages to other vehicles, pedestrians, or property caused by the insured driver. But it doesn’t cover damage to your own vehicle. Liability-only car insurance is cheaper than full coverage, so you may be interested if you have an older model car that isn’t worth a lot. But if you financed the purchase of your car and are still making payments, your lender will require you to carry full coverage.

Rochester drivers pay an average monthly rate of $169 for liability-only car insurance. Here are some of the best rates for liability coverage in Rochester.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Auto-Owners$62
USAA$63
Chubb$68
GEICO$95
Safeco$106
Progressive$119
Nationwide$126
State Farm$129
Direct Auto$147
Travelers$149
Bristol West$180
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Rochester: Auto-Owners

Full-coverage auto insurance includes liability insurance along with comprehensive and collision coverage. Comprehensive coverage reimburses you for loss due to theft or damage caused by something other than a collision, such as a fire, falling object, or vandalism. Collision coverage pays for damage to your vehicle resulting from a collision with another vehicle or object.

You’ll benefit from full-coverage insurance if you can’t afford to repair or replace it without help from your insurance company. On average, full coverage costs Rochester drivers $301 per month. Below are some of the cheapest options for full-coverage auto insurance in Rochester.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Auto-Owners$111
USAA$112
Chubb$121
GEICO$169
Progressive$176
Safeco$176
Nationwide$226
State Farm$230
Travelers$266
Direct Auto$298
Bristol West$328
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Rochester, Michigan

Drivers in and around Rochester, Michigan have found policies from Progressive, Safeco, GEICO, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Rochester, Michigan within the last 10 days. Last updated on November 21, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Rochester, Michigan within the last 10 days. Last updated on November 21, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Michigan

Michigan is a no-fault state for car insurance. This means drivers receive compensation from their insurance company after an accident, regardless of who caused the accident.

All drivers must carry a minimum amount of bodily injury liability coverage. Most drivers must also purchase a minimum amount of personal injury protection (PIP) medical coverage, which pays for medical expenses, recovery, and rehabilitation after an auto accident. Only Medicaid recipients meeting specific criteria can opt out of PIP medical coverage.[2]

The table below shows the minimum-coverage liability insurance in Michigan:

Coverage
Minimum Requirements
Bodily injury liability$250,000 per person and $500,000 per accident
Property damage liability$10,000 for damage in another state
Personal injury protection

One of the following:

  • Unlimited coverage
  • $500,000 per person per accident
  • $250,000 per person per accident
  • $250,000 per person per accident with exclusions (only available when drivers have qualified health coverage)
  • $50,000 per person per accident (only available when drivers are enrolled in Medicaid)
  • No coverage (only available to drivers enrolled in Medicare Parts A and B)
Property protection$1 million

To protect yourself more thoroughly, you should consider carrying more than the minimum-coverage limits. Some other coverage options to consider include:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance reimburses you for theft or damage to your car due to events other than a collision, such as vandalism, fire, and hail.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance reimburses you for damage to your vehicle due to a collision with another vehicle or an object.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Glass coverage

    This coverage pays to repair or replace your car windshield, windows, and sunroof with no deductible.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance pays the difference between the fair market value of your car and what you owe on your car loan if it’s totaled in an accident or stolen.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage can help pay your costs if you’re in an accident with a driver who has no insurance or too little insurance.

Cheapest car insurance for drivers with an incident

Incidents can include speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations. Having such incidents on your driving record can increase your car insurance rates compared to what drivers with a clean record pay. This is because insurance companies see you as a higher risk and charge higher premiums to offset that risk.

Find Car Insurance in Rochester, MI

Rates start at $74 per month for drivers with incidents on their records

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Having a speeding ticket on your record often means facing a rate increase when you renew your policy, although the extent of the increase depends on the severity of the incident and whether it was your first offense.

Rochester drivers with a speeding ticket pay an average of $199 per month for liability-only coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
Auto-Owners$62$74
USAA$63$75
Chubb$68$82
GEICO$95$113
Safeco$106$128
Progressive$119$140
Nationwide$126$151
State Farm$129$151
Direct Auto$147$175
Travelers$149$179
Bristol West$180$215
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

If you have an at-fault accident on your record, insurance companies tend to view you as a risky driver and will increase your rates to account for that extra risk. This can make finding affordable car insurance more challenging.

Rochester drivers with an at-fault accident on their record pay an average monthly premium of $215 for liability-only insurance. Below are some of the lowest monthly liability rates for drivers with an at-fault accident in the city.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
Auto-Owners$62$79
USAA$63$80
Chubb$68$87
GEICO$95$121
Safeco$106$134
Progressive$119$152
Nationwide$126$162
State Farm$129$163
Direct Auto$147$191
Travelers$149$191
Bristol West$180$228
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Driving under the influence is a serious offense that involves operating a vehicle while impaired by drugs or alcohol. Finding cheap car insurance will be difficult if you’ve been convicted of a DUI, and your choices may be limited.

The average cost of liability car insurance for Rochester drivers with a past DUI is $248 per month. Here are some of the lowest liability car insurance rates for drivers with a DUI in the city.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
Auto-Owners$62$97
USAA$63$98
Chubb$68$106
GEICO$95$148
Safeco$106$153
Progressive$119$186
Nationwide$126$196
State Farm$129$201
Direct Auto$147$229
Travelers$149$232
Bristol West$180$281
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Experienced drivers tend to be safer behind the wheel. But drivers age 70 and older have higher rates of fatal crashes per mile driven than middle-aged drivers, according to the Insurance Institute for Highway Safety (IIHS).[3] As a result, insurance companies tend to decrease rates for drivers around age 35 but increase them again around age 70.

Senior drivers in Rochester pay $149 per month for liability insurance and $266 for full-coverage insurance. Below are the average monthly car insurance rates for seniors in the city.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Auto-Owners$51$91
Chubb$52$92
USAA$52$93
GEICO$78$139
Progressive$89$132
Safeco$93$155
Nationwide$98$175
State Farm$104$185
Direct Auto$119$241
Travelers$121$216
Bristol West$149$272
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Car insurance companies charge higher rates for teen drivers because they don’t have many years of experience behind the wheel and are prone to taking risks that more mature drivers might avoid.[4]

On average, teen drivers in Rochester pay $234 per month for liability-only coverage and $417 per month for full coverage.

The best way for teens and their families to keep rates affordable is to join their parents’ insurance policy. They should also take advantage of discounts most insurance companies offer, such as those for good students and completing an approved driver training course.

Below are the average insurance rates for teens in the city.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Auto-Owners$94$169
USAA$96$170
Chubb$119$213
GEICO$137$243
Safeco$188$311
Progressive$190$281
Nationwide$200$359
State Farm$201$359
Direct Auto$246$498
Travelers$246$440
Bristol West$275$501
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Rochester

Insurify partners with 100+ insurers for real quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Is car insurance more expensive in Rochester?

Yes. The cost of car insurance in Rochester, Michigan, is higher than the national average but comparable to the state average.

Average monthly premiums in Rochester are $301 for full coverage and $169 for liability-only coverage, according to Insurify data. Nationwide, the average monthly premiums are $204 for full coverage and $104 for liability-only coverage.

One of the reasons for this discrepancy has historically been Michigan’s unique form of no-fault insurance. Until July 1, 2020, insurance companies in the state had to offer unlimited PIP coverage, meaning there was no cap on potential medical damages if one of their customers had an accident.[5] In 2020, a tiered system replaced the old system, allowing Michigan drivers to purchase lower PIP limits. The legislation also requires insurance companies to reduce statewide average premiums for eight years.

Despite this positive change, rates in Rochester will likely remain higher than in some areas, partially due to Michigan’s harsh winters. Inclement weather increases the likelihood of accidents, which increases insurance claims. For example, snow and ice can make the road slippery in Rochester and nearby Rochester Hills, leading to an increased frequency of accidents. Harsh storms can lead to damage from falling tree branches, leading to more severe losses.

More cities in Michigan 

The cost of car insurance in Rochester is higher than in many other Michigan cities, partially because of its proximity to Detroit, which has high crime and vehicle theft rates.[1] The table below shows how rates in other Michigan cities compare to Rochester’s average monthly rates if you’re considering a move to save money.

City
Liability Only
Full Coverage
Ann Arbor$148$273
Flint$178$320
Dearborn$312$466
Detroit$337$393
Grand Rapids$146$274
Kalamazoo$160$298
Lansing$147$256
Warren$216$333
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Rochester car insurance FAQs

Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about auto insurance in Rochester.

  • How much is car insurance in Rochester, Michigan?

    Drivers in Rochester pay an average of $301 per month for full-coverage car insurance and $169 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.

  • What company has the cheapest car insurance rates in Rochester?

    Drivers looking for the lowest insurance rates should consider Auto-Owners. The insurer offers liability coverage for as low as $62 per month. USAA and Chubb are also affordable options for Rochester drivers, with respective liability-only rates of $63 and $68 per month.

  • What are the best car insurance companies in Rochester?

    Auto-Owners is one of the best car insurance company in Rochester, with an Insurify Quality (IQ) Score of 8.5 out of 5 and an AM Best financial strength rating of A++ (Superior). The average cost of car insurance from Auto-Owners in Michigan is $62 per month for liability coverage and $111 for full-coverage insurance. Of the insurers Insurify has rate data for, other top Rochester choices include Chubb and USAA.

  • How much is car insurance per month in Michigan?

    Car insurance in Michigan costs $172 per month for liability coverage and $299 for full-coverage insurance.

  • Why are Michigan car insurance rates so high?

    Michigan car insurance rates are so high primarily because it’s a no-fault state, meaning drivers must carry personal injury protection coverage, which pays for each driver’s damages regardless of fault. Insurers charge more in premiums to make up for this extra coverage. Most states don’t require this coverage, so Michigan drivers bear an extra burden.

  • Can Michigan insurers consider your credit history when determining premiums?

    No. Unlike many states, Michigan prohibits insurance companies from considering your credit history when determining premiums.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. City-Data.com. "Crime in Detroit, Michigan (MI)."
  2. Michigan's New Auto Insurance Law. "Law Changes."
  3. Insurance Institute for Highway Safety. "Older Drivers."
  4. Insurance Information Institute. "Auto insurance for teen drivers."
  5. Poverty Solutions - University of Michigan. "Auto Insurance and Economic Mobility in Michigan."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all