📍Rochester, MN

Find Insurance Agents in Rochester, MN

Rochester has 36 insurance agents averaging 4.6 stars across 3,170 reviews. The most popular services are auto (21 agents), home (21 agents), life (21 agents).

36
Licensed Agents
4.6/5
Avg. Rating
11 yrs
Avg. Experience
7
Service Types

Insurance in Rochester, Minnesota

Key insurance factors and local considerations for Rochester residents.

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Auto Insurance in Rochester

Minnesota drivers pay an average of $2,044/yr for auto insurance — 10% below the national average of $2,264. With extreme winter driving hazards and deer collisions, comprehensive coverage is especially important. Minnesota is an no-fault state with minimum liability of 30/60/10.

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Home Insurance in Rochester

Homeowners in Minnesota pay $2,191/yr on average — 15% below the national average.

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Life Insurance in Rochester

With Minnesota's cost of living, Rochester residents have diverse life insurance needs. Approximately 56% of Minnesota households carry life insurance.

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Renters Insurance in Rochester

Many Rochester residents rent. Renters insurance averages $190/yr in Minnesota, protecting personal property and beyond.

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Final Expense Insurance in Rochester

With a growing senior community and regional funeral costs averaging $8,400, final expense insurance helps Rochester families avoid financial burden. No-exam whole life policies are widely available through local agents.

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Pet Insurance in Rochester

Many Rochester households own pets. With average vet visit costs of $62 in Minnesota, pet insurance can offset unexpected expenses. Accident-only and comprehensive plans are available through local agents.

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Health Insurance in Rochester

Minnesota has a 4.5% uninsured rate. Minnesota operates its own health insurance marketplace. Open enrollment runs November through January.

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📊Local Data

Rochester, MN Insurance by the Numbers

Key insurance, driving, and demographic statistics for Rochester and Minnesota to help you make informed coverage decisions.

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4,152,710
Licensed Drivers in MN
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Auto Insurance

$2,044/yr
Avg. auto premium in MN
9.9%
Uninsured motorist rate
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Home Insurance

$2,191/yr
Avg. homeowners premium in MN
$183/mo
Monthly cost estimate
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Renters Insurance

$190/yr
Avg. renters premium in MN
$16/mo
Monthly cost estimate
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Motorcycle Insurance

$560/yr
Avg. motorcycle premium in MN
Under 18
Helmet law requirement
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Health Insurance

4.5%
Uninsured rate in MN
State-Based
ACA Marketplace type
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Life Insurance

56%
Life insurance ownership rate
Above Avg.
Life expectancy rank
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Business Insurance

550,000
Small businesses in MN
Required
Workers' comp status
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Final Expense

16.5%
Population age 65+
$8,400
Avg. funeral cost
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Pet Insurance

70%
Pet ownership rate
$62
Avg. vet visit cost

Sources: NHTSA, FHWA, IRC, NAIC, Bankrate, MoneyGeek, US Census Bureau. State-level averages; individual rates vary.

Insurance FAQ — Rochester, MN

What types of insurance can I find in Rochester, MN?
Insurance agents in Rochester offer auto insurance, home insurance, life insurance, renters insurance, health insurance, final expense insurance, and pet insurance. With 36 agents serving the area, you can compare coverage options and find the policy that best fits your needs and budget.
How do I choose an insurance agent in Rochester?
Rochester has 36 licensed insurance agents with an average rating of 4.6 out of 5. Look for agents with strong customer reviews, experience in the coverage you need, and willingness to explain your options. Comparing quotes from multiple agents is the best way to ensure competitive pricing.
How much does car insurance cost in Rochester, MN?
The average car insurance premium in Minnesota is $2,044 per year, which is below the national average of $2,264. Your actual rate in Rochester depends on your driving history, vehicle type, coverage levels, and credit score. Getting quotes from multiple Rochester agents is the best way to find your lowest rate.
How much does renters insurance cost in Rochester?
Renters insurance in Minnesota averages about $190 per year, or roughly $16 per month. That's above the national average of $189 per year. Your actual cost in Rochester depends on your coverage limits, deductible, and any bundled discounts with other policies.

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