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Best Local Car Insurance Agencies in Rochester, MN

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Rochester local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

71Reviewed

45Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3224 6th Avenue Northeast, Rochester, MN 55906
WebsiteLicense: 40246104

Expertise.com Rating

Review Sources

Google
3.9 (7)
Facebook
4.0 (4)

Why choose this provider?

Harmony Insurance Group is a full-service, independent auto insurance agency based in Harmony but also serves the Rochester area. Previously named The Harmony State Agency, the business has been providing insurance services since the early 1900s. The agency is currently partnered with over 20 insurance carriers to make sure clients are supported on their unique needs. Aside from personal auto insurance, it also provides insurance coverage for recreational homes, campers, RVs, snowmobiles, and classic cars. The staff possesses vast knowledge in their areas of service.

  • Multiple Carriers

1632 Highway 52 N, Rochester, MN 55901
WebsiteLicense: 40171748

Expertise.com Rating

Review Sources

Facebook
4.3 (3)
Google
5.0 (1)

Why choose this provider?

Jeff Buehler is a local insurance agent for Farmers Insurance that operates in the Rochester metro and nearby areas. He has over a decade of experience in the insurance industry and specializes in auto, home, and business insurance lines. He helps clients navigate their options for car insurance coverage and helps protect themselves from huge monetary losses caused by traffic accidents and other road risks. Jeff Buehler is bilingual and caters to Spanish-speaking clients.

5721 Bandel Road Northwest, Rochester, MN 55901
WebsiteLicense: 20290336

Expertise.com Rating

Review Sources

Google
4.9 (211)
Facebook
5.0 (38)
Yelp
1.0 (1)

Why choose this provider?

Atlas Insurance Brokers is an independent insurance agency that provides various insurance products in Rochester. These include auto, home, condo, boat, business, health, and life. The agency's auto insurance covers physical damage, liability, uninsured and underinsured motorist, roadside assistance, and personal injury protection. Atlas Insurance Brokers partners with notable insurance companies so that it can provide clients with the most suitable insurance. Its president, Vance Prigge, has been an agent since 1993. Prigge is a former president of the Minnesota Independent Insurance Agents and Brokers Association.

  • Multiple Carriers

2766 Commerce Drive Northwest, Rochester, MN 55901
WebsiteLicense: 40703892

Expertise.com Rating

Review Sources

Google
5.0 (107)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Fortress Insurance & Financial Services provides insurance solutions in Rochester and the surrounding communities. It offers policies for commercial and personal properties which includes protection for homeowners and car owners. It also helps its clients to be prepared and fully insured with a wide range of coverage that can be useful for any road accidents. The company supports its clients from proper selection of insurance carriers and coverage to risk assessment to assisting them for any necessary changes in the policy in the future.

  • Multiple Carriers

826 Broadway Avenue South, Rochester, MN 55904
WebsiteLicense: 28200

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (2)

Why choose this provider?

Sandvik Insurance Agency is an independent company that covers clients in Rochester and nearby cities. It provides auto insurance plans with coverage for different damage risks such as collisions, accident forgiveness fees, and property damage repairs. The company's agents review different policies and help clients file claims or changes to reflect new cars or drivers. Sandvik Insurance Agency works with national insurance carriers like AAA and Safeco. Its other insurance plans cover golf courses, restaurants, breweries, and non-profit organizations.

  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

894 7th Street Northwest, Rochester, MN 55901
WebsiteLicense: 40034804

Expertise.com Rating

Review Sources

Google
4.9 (30)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Safechoice Insurance Agency is an independent insurance agency in Rochester that aims to provide clients with excellent coverage and first-class service. Insurance agents at this firm help build long-term relationships with clients by providing policy reviews, professional advice, and recommendations to match their changing needs. They offer auto insurance with minor violation forgiveness, accident forgiveness, no-drop promise, and vanishing deductible. Additionally, they are available to assist in filing insurance claims.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

3228 6th Avenue Northeast, Rochester, MN 55906
WebsiteLicense: 20370715

Expertise.com Rating

Review Sources

Google
4.9 (54)
Facebook
5.0 (18)

Why choose this provider?

Ted W. Smith Insurance Services, Inc. is an independent agency established in 1933 that represents various insurance companies. The agency provides insurance services for individuals, families, and businesses in Rochester and nearby areas. Its insurance services include car insurance policies that cover vehicles that were damaged or stolen. It includes liability insurance for property damage and injuries caused by the client to another party. The agency also customizes insurance policies for the client's specific needs.

  • Multiple Carriers

3552 West River Parkway Northwest, Rochester, MN 55901
WebsiteLicense: 40556510

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Established in 2011, Faupel Agency offers auto insurance services and solutions to individuals and businesses in Rochester and the nearby areas. Dave Faupel founded the company with Atlas Insurance Brokers to serve clients better. As an independent agency, it works with various insurance carriers to provide customized coverages that are suited to the clients' needs. These coverages include bodily injury liability, property damage liability, rental reimbursement, comprehensive, and collision coverages. Additionally, Faupel Agency offers life, home, renters, and business insurance.

  • Boats
  • Motorcyle & ATV

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Harmony Insurance Group - Rochester, Minnesota
3224 6th Avenue Northeast, Rochester, MN 55906
Jeffrey Buehler
1632 Highway 52 N, Rochester, MN 55901
Atlas Insurance Brokers - North Rochester
5721 Bandel Road Northwest, Rochester, MN 55901
smartmoveinsurance.com
2766 Commerce Drive Northwest, Rochester, MN 55901
Sandvik Insurance Agency
826 Broadway Avenue South, Rochester, MN 55904
Safechoice Insurance Agency
894 7th Street Northwest, Rochester, MN 55901
Ted W. Smith Insurance Services, Inc.
3228 6th Avenue Northeast, Rochester, MN 55906
Faupel Agency
3552 West River Parkway Northwest, Rochester, MN 55901

Rochester, MN Car Insurance Agency FAQs

  • Does a standard auto insurance policy in Rochester cover classic cars?

    No, because classic cars are unique, they require specialized insurance. A classic car insurance policy is tailored to the car's actual collectible value. A classic car insurance policy in Rochester will typically include agreed-value coverage and spare parts coverage. It may also include flatbed towing coverage, personal effects coverage, emergency travel expenses coverage, and inflation guard coverage options.

  • Is car insurance mandatory for drivers in Rochester?

    Yes, all Rochester drivers should have car insurance. To be able to drive legally in Minnesota, a person's insurance policy must include at least $20,000 in medical coverage and $20,000 in lost income; $10,000 in property damage liability per accident; $30,000 in bodily injury liability per person and $60,000 in an accident; and $25,000 in uninsured motorist coverage.

  • Can you add a teenager to your car insurance plan in Rochester?

    Rochester insurance companies have different rates and policies. When it comes to adding teenagers to a car insurance policy, some companies will cover them while they have their learner's permit or until they get their driver's license. However, insurance companies will not cover teenage drivers who will be driving goods or services, as this will necessitate a special commercial policy. It's best to consult with an agent about whether your adolescent child should be added to your existing policy or if they should have their own policy.

  • What happens if you have been hit by an uninsured driver in Rochester?

    Minnesota is a no-fault state, which means that if an uninsured driver hits you in Rochester, the damages will be covered by your own auto insurance policy. All Minnesota auto insurance policies must include no-fault coverage, also known as personal injury protection (PIP). In addition to PIP benefits, you can file an Underinsured Motorist (UM) claim with your own car insurance company for additional medical expenses or lost income. You can also sue the uninsured driver in some rare cases, but this is a difficult option.

  • What are the penalties for driving without insurance in Rochester?

    Driving without insurance is considered a misdemeanor in Rochester. If caught, you may be required to pay a fine of up to $1,000 and spend up to 90 days in jail. Additionally, you may risk having your license suspended. Plus, you will need to spend money just so you can reinstate your license.