Rochester Hills Car Insurance

How much does car insurance cost in Rochester Hills, MI? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Rochester?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Michigan has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Rochester typically pay around $164.81 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Michigan $173.12
Rochester, Michigan $164.81

Rochester, MI Best Car Insurance Companies

car insurance in Rochester

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, SECURA Insurance generally has the most affordable car insurance in Rochester coming in around $89.38 per month. Other companies to consider if you live in Rochester is Metropolitan with an average cost of $93.69 per month and USAA which typically runs around $117.35 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Rochester.

RankCompanyAverage Monthly RateComparison State Average
1 SECURA Insurance $89.38-48.37%
2 Metropolitan $93.69-45.88%
3 USAA $117.35-32.22%
4 Chubb $148.87-14.00%
5 Farm Bureau Ins of MI $149.66-13.55%
6 Hastings Mutual Insurance Co $160.25-7.43%
7 MEEMIC Insurance Company $183.546.02%
8 Auto-Owners Insurance Co $187.218.14%
9 Pioneer State Mutual Ins Co $201.9416.65%
10 Esurance $208.9420.69%

How Much is Car Insurance in Rochester, MI?

how much is auto insurance in Rochester

Rates can vary from city to city. The residents of Detroit typically pay $266.06 per month while people who live in Flint will pay $174.55 per month on average. See what people pay for car insurance in other cities in Michigan.

Michigan CitiesMonthly Average Rate
Detroit $266.06
Flint $174.55
Grand Rapids $129.25
Lansing $134.73
Rochester $164.81
Saginaw $138.38

Cheap Car Insurance in Rochester by Zip Codes

find cheap auto insurance in Rochester

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Michigan. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Rochester, MI ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Rochester

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $239.78 per month in Rochester. Compare that to drivers in their 30’s who typically pay around $147.24 per month drivers in their 40s at $136.10 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Rochester

If you are teen in Rochester you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, SECURA Insurance typically charges around $167.86 per month. This is likely the most affordable option in Rochester. You might also want to consider USAA and Metropolitan who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
SECURA Insurance$167.86
Farm Bureau Ins of MI$302.25

Cheapest Insurance for 20 Year-olds in Rochester

20 year-olds in Rochester might want to consider SECURA Insurance who, on average, offers car insurance rates around $95.22 per month. Metropolitan , USAA , Chubb and Farm Bureau Ins of MI are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
SECURA Insurance$95.22
Farm Bureau Ins of MI$182.38

Cheapest Insurance for 30 Year-olds in Rochester

If you are in your 30s in Rochester our research has found that Metropolitan typically has the most affordable coverage coming in around $89.28 per month, followed by SECURA Insurance at $89.88 and USAA at $108.75.

CompanyAverage Monthly Rate
SECURA Insurance$89.88
Hastings Mutual Insurance Co$134.28
Farm Bureau Ins of MI$136.71

Cheapest Insurance for 40 Year-olds in Rochester

On average, SECURA Insurance offers car insurance for 40 year-olds in Rochester for around $73.27 per month. If you are looking for affordable coverage, you may also want to consider Metropolitan or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
SECURA Insurance$73.27
Farm Bureau Ins of MI$128.42

Cheapest Insurance for 50 Year-olds in Rochester

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Rochester we found that Metropolitan generally offers the most affordable coverage at $67.67 per month.

CompanyAverage Monthly Rate
SECURA Insurance$75.84
Farm Bureau Ins of MI$106.19

Cheapest Insurance for 60 Year-olds in Rochester

If you live in Rochester and you’re in your 60s, our data indicates that Metropolitan usually has the best rates at $60.83 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
SECURA Insurance$66.20
Farm Bureau Ins of MI$85.28

Driver's Coverage Auto Insurance Rates in Rochester, MI

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Rochester, the average monthly rate for a driver who is currently insured is $154.42 while drivers who are not currently covered will pay around $190.07.

CoverageAverage Monthly Rate
Not Currently Insured $190.07
Currently Insured $154.42

Compare Recent Car Insurance Quotes in Rochester

auto insurance quotes in Rochester city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Rochester a driver of a 2021 Nissan Rogue can expect to pay around $241.86 per month while someone that owns a 2018 Hyundai Ioniq may pay around $108.62 per month. Check out the list of recent quotes in Rochester below.

VehicleAverage Monthly Rate
2021 Nissan Rogue$241.86
2018 Hyundai Ioniq$108.62
2017 Chevrolet Cruze$182.12
2017 Toyota Rav4$378.04
2017 Ford Taurus$122.42
2015 Dodge Journey$85.13
2014 Ford Focus$255.48
2001 Dodge Neon$57.42
2001 Honda Civic$80.40
2019 Kia Sportage$96.18

FAQ's for Drivers in Rochester, MI

driver’s frequently asked question in Rochester

What Is the Minimum Liability Coverage Requirement in Rochester Hills, MI?

Michigan’s basic no-fault policy includes minimum amounts of coverage of $20,000 of bodily injury for each person hurt or killed in an accident, $40,000 for two or more people hurt or killed in an accident, and $10,000 for property damage in another state. However, that $10,000 in property damage liability coverage only applies to out of state claims.

Property damage that occurs inside the state is covered by property protection insurance (PPI). Michigan drivers are required to carry $1,000,000 PPI coverage. Additionally, drivers must carry PIP insurance to pay for medical expenses following a car accident. Residents can coordinate PIP insurance with health insurance, which may reduce insurance premiums.

  • $20,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $40,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Although Michigan law does not require collision and comprehensive insurance, lenders generally require it before financing a vehicle. These optional coverages also provide extra financial protection in the event of an accident. If you need additional coverage to satisfy your lender or for peace of mind, factor in the extra cost when calculating the price of your loan.

What Is the Blood Alcohol Concentration (BAC) limit in Rochester Hills, MI?

It’s illegal to operate a vehicle in Michigan with the following BAC percentages:

.08%+ for 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ for under 21 years old

Michigan has various types of DUI charges, including Operating While Visibly Impaired (OWVI), Operating While Intoxicated (OWI), Under Age 21 Operating with Any Bodily Alcohol Content (Zero Tolerance), and Operating with Any Presence of a Schedule 1 Drug or Cocaine (OWPD).

What are the consequences of being convicted of a DUI?

Michigan’s DUI laws require courts to decide court cases within 77 days of arrest and mandate a 6-month suspension of driving privileges, even following the first conviction. Additional penalties may include up to 1 year of jail time, community service, successful completion of a rehabilitation program, installation of an ignition interlock device, and various fines and fees. If you cause harm or death while driving under the influence, the penalties are much more severe.


Commute Time in Rochester, MI

27 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Rochester, MI


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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