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Cheap Car Insurance in Rochester, Minnesota

It’s not hard to cheap car insurance in Rochester, should you know where to look. Rochester is a southern Minnesota city known for being the home of the Mayo Clinic, still the core of its economy. Home to an estimated 114,000, the city is the largest located outside the MinneapolisSt. Paul metro area. Built on the south fork of the Zumbro River, Rochester was once a stagecoach stop. It was named after its founder’s hometown of Rochester, N.Y. Today, it is sometimes called “Med City” due to the Mayo Clinic, its largest employer, which encompasses most of its downtown area.

Driving Conditions in Rochester

Rochester lies just north of Interstate 90 off U.S. Highway 63, which is also a major commercial corridor known as Broadway Avenue. Minneapolis is about 85 miles to the northwest via U.S. Highway 52. Olmsted County Road 22 encircles most of Rochester, which helps with congestion.

An estimated 12,000 people commute into Rochester from the Minneapolis-St. Paul area, many using bus services or carpools – parking in downtown Rochester is costly and difficult to secure on a regular basis. Meanwhile, the average commute time for Rochester as a whole is only 15.6 minutes, according to U.S. Census Bureau data. This is nearly 10 minutes shorter than the U.S. average, and seven minutes shorter than the Minneapolis-St. Paul metro average.

Real-time traffic data, cameras and incident information is available from the Minnesota Department of Transportation by visiting or by calling 511 from within the state.

Unique Laws in Rochester

Minnesota’s new omnibus transportation law adds motorized bicycles — or mopeds — to the list of vehicles for which a resident can apply for disability license plates.

Minnesota drivers are required to clear their car windows of snow before driving. Unlike some states, Minnesota has no laws against riding in the back of a truck or tow camper, though some cities may have ordinances against this, as it is largely considered unsafe.

A 1980’s state law that limited nursing homes and senior centers to two days of bingo a week was repealed in 2015. As of 2010, a Minnesota law titled “Drunkenness Not A Crime” states “No person may be charged with or convicted of the offense of drunkenness or public drunkenness.”

Rochester Crime Statistics

Data compiled by the Federal Bureau of Investigation for 2016 states there were 242 violent crimes in Rochester, none of which were murder or manslaughter. The local violent crime rate of 213.5 offenses per 100,000 residents is below the national average of 386 offenses per 100,000 people.

The property crime rate in Rochester was 2,187 offenses per 100,000 residents, also below the U.S. average of 2,451 incidents per 100,000 residents. Within the city, 132 vehicles were stolen in 2016, FBI data shows, a rate of 116.4 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Rochester Safety Requirements

Minnesota law requires all drivers and passengers wear seat belts. Children under 4 must ride in an approved safety seat. A child between 4 and 8 years old must use a booster seat unless he or she is 4 feet, 9 inches tall. According to Minnesota’s Office of Traffic Safety, it is illegal for a driver to write, read or send texts or emails or access the internet while his car is moving or part of traffic, including while stopped in traffic or at a traffic light. Cellphone use is banned outright for bus drivers and teen-aged drivers with a provisional license.

Rochester Impaired Driving Laws

Drivers with a BAC of .08 percent or higher are charged with driving while intoxicated, according to the Minnesota Department of Public Safety. The BAC threshold is lowered to .04 for commercial drivers. First offenders face 90 days in jail and/or a $1,000 fine and revocation of driving privileges for 90 days. First-time DWI offenders with a .16 BAC or above and second-time DWI offenders are required to have in ignition interlock or surrender driving privileges for one to two years.

Regardless of your driving history, you can find cheap care insurance in Rochester, Minn.; contact us for rate comparisons.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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