Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Rochester Hills, MI
We monitor insurance prices, helping the average driver in Rochester Hills save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Rochester Hills
The chart below shows the cheapest car insurance company in Rochester Hills for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Rochester Hills Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $113 |
| Progressive | $129 |
| State Farm | $130 |
| Safeco Insurance | $137 |
Savings for Every Kind of Rochester Hills Driver
Based on our extensive insurance data, we know the average Rochester Hills driver will save about 40% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $1,225 per year by choosing the right vehicle insurance company. Some Rochester Hills residents are paying out over $3,047 extra every year for auto insurance in Rochester Hills. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Rochester Hills, MI Savings / Yr. |
|---|---|
$1,225 |
|
$1,999 |
|
$1,769 |
|
$2,689 |
|
$3,172 |
|
$0 |
|
$0 |
Rochester Hills Car Insurance vs. Michigan
People living in Rochester Hills pay an average of 5.11% more than the typical driver in the state. The average driver in Rochester Hills can expect to pay about $2,315 per year, or $3,047 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Rochester Hills for most people.
Car Insurance Prices by Rochester Hills Neighborhood
Insurance Prices
Where is insurance cheapest within Rochester Hills?
The map shows insurance prices in and around Rochester Hills, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $427 per year within the city boundaries, with insurance premiums ranging from a high of $3,268 to a low of $2,841. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Rochester Hills.Pick the Best Car Insurance Company for You in Rochester Hills
The best car insurance provider for most drivers in Rochester Hills
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,225 over the average Rochester Hills car insurance company.
The best car insurance provider for Rochester Hills drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $1,999 over the competition.
The best car insurance company for Rochester Hills drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,769 better than other car insurance companies.
The best auto insurance for Rochester Hills drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,689 less each year.
The least expensive car insurance company for new and young drivers in Rochester Hills
In Rochester Hills, Geico costs young drivers $3,172 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Rochester Hills
The cheapest car insurance in Rochester Hills for drivers with bad credit
The best Rochester Hills car insurance company for customer service
Nationwide was the best company for customer service in Rochester Hills according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Rochester Hills, which was better than other insurers.
The cheapest large national provider in Rochester Hills
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Rochester Hills driver can expect to pay about $163 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Rochester Hills, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Rochester Hills
What Influences the Cost of Car Insurance in Rochester Hills?
On average, car insurance in Rochester Hills is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Rochester Hills is 32 minutes, which is about the national average for a driver in the state.
- Michigan state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Rochester Hills is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Rochester Hills is $193 per month for minimum coverage and $254 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Rochester: Insurance costs 0.07% less
- Auburn Hills: Insurance costs 0.59% more
- Utica: Insurance costs 1.18% more
- Pontiac: Insurance costs 14.28% more
- Troy: Insurance costs 2.92% more
- Oakland: Insurance costs 1.38% less
- Washington: Insurance costs 0.66% less
- Lake Orion: Insurance costs 1.54% less
- Bloomfield Hills: Insurance costs 1.64% more
- Sterling Heights: Insurance costs 4.43% more
Cities with Similar Populations
- Lancaster: Insurance costs 54.64% less
- Land O' Lakes: Insurance costs 9.26% less
- Lakewood: Insurance costs 27.11% less
- Lafayette: Insurance costs 61.77% less
- Lakewood: Insurance costs 32.92% less
- Knoxville: Insurance costs 54.51% less
- Lakewood: Insurance costs 39.35% less
- Lancaster: Insurance costs 27.34% less
- Lacey: Insurance costs 51.66% less
- Lakewood: Insurance costs 45.39% less