NYCM offers Rochester's cheapest car insurance with annual rates of $225 for minimum coverage and $515 for full coverage. Kemper, Progressive and GEICO also provide affordable coverage in the city.
Car Insurance in Rochester
Updated: August 5, 2025
Advertising & Editorial Disclosure
Key Takeaways
Rochester's cheapest car insurance companies are NYCM, Kemper and Progressive, with savings up to 55% compared to the city average.
Monthly car insurance costs in Rochester average $87 for full coverage and $46 for minimum coverage.
To find the best cheap auto insurance in Rochester, choose appropriate coverage levels and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Rochester?
| NYCM | $19 | $43 | -55% |
| Kemper | $24 | $47 | -48% |
| Progressive | $26 | $47 | -46% |
| GEICO | $30 | $62 | -32% |
| American Family | $39 | $76 | -16% |
Cheapest Rochester Car Insurance by Category
NYCM ranks as the most affordable option for five types of Rochester drivers, including young drivers and those with accidents. GEICO offers the lowest rates for drivers with newer cars and bad credit, while Progressive provides the cheapest coverage for drivers with speeding tickets or DUIs.
| Young Drivers | NYCM | $29 |
| Adult Drivers | NYCM | $19 |
| Senior Drivers | NYCM | $28 |
| Drivers With an Accident | NYCM | $19 |
| Drivers With a DUI | Progressive | $27 |
| Drivers With a Speeding Ticket | Progressive | $27 |
| Drivers With Bad Credit | GEICO | $46 |
| Drivers With Newer Cars | GEICO | $21 |
| Drivers With Old Cars | NYCM | $13 |
Compare the Cheapest Rochester Car Insurance for You
Your driving record and personal details directly affect your car insurance rates. Check the table below to find the cheapest insurer for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| NYCM Insurance | $19 | $225 | -63% |
| Kemper | $24 | $286 | -53% |
| Progressive | $26 | $311 | -49% |
| Geico | $30 | $364 | -41% |
| American Family | $39 | $463 | -25% |
Best Car Insurance Companies in Rochester
Rochester's highest-rated car insurance providers are Progressive, NYCM, GEICO and Erie Insurance. These companies excel in providing competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 96 | 3 | 4 | 1 |
| NYCM | 94 | 1 | 9 | 6 |
| GEICO | 90 | 4 | 8 | 7 |
| Erie Insurance | 88 | 6 | 1 | 2 |
| American Family | 87 | 5 | 6 | 7 |
Progressive: Best Overall Coverage
pros
Excellent coverage options
Strong customer service ratings
Multiple discounts available
cons
Higher rates for some driver categories
Limited local office presence
COMPANY HIGHLIGHTS
Progressive ranks first among Rochester insurers thanks to top scores in coverage options and solid customer service. The company offers rates below the city average and provides specialized coverage choices many competitors don't match. Progressive particularly excels with high-risk drivers, offering the most affordable rates for those with DUIs or speeding tickets in Rochester.
NYCM: Best for Affordable Rates
pros
Low rates across driver categories
Local New York expertise
Easy claims process
cons
Fewer coverage add-ons
Limited digital tools
COMPANY HIGHLIGHTS
NYCM earns the second spot in Rochester with consistently affordable rates across multiple driver categories. The regional carrier proves especially cost-effective for young drivers, adult drivers, and those with older vehicles. Its local focus means agents understand New York insurance requirements well. While NYCM offers fewer bells and whistles than some national carriers, it delivers reliable basic coverage at rates well below the city average.
How Much Is Car Insurance in Rochester?
In Rochester, minimum coverage costs about $46 per month or $551 per year, ranking 892nd out of all New York cities for affordability. Full coverage averages $87 monthly or $1,050 annually, ranking 851st among New York cities.
| Full Coverage | $87 | $1,050 |
| Minimum Coverage | $46 | $551 |
Rochester Car Insurance Cost by Category
In Rochester, monthly car insurance rates range from $33 to $196 based on your driver category. Check the table below to see rates for your profile.
| Young Drivers | $100 | $196 |
| Adult Drivers | $46 | $87 |
| Senior Drivers | $62 | $114 |
| Drivers With an Accident | $52 | $100 |
| Drivers With a DUI | $66 | $128 |
| Drivers With a Speeding Ticket | $52 | $99 |
| Drivers With Bad Credit | $71 | $150 |
| Drivers With Newer Cars | $43 | $82 |
| Drivers With Old Cars | $33 | $63 |
Rochester Car Insurance Costs by ZIP Code
In Rochester, car insurance rates by ZIP code range from $39 to $131 per month. ZIP code 14611 is the most expensive, while 14625 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:14611
| 14611 | $73 | $131 |
Compare Personalized Rochester Car Insurance Costs
While basic rate breakdowns offer a starting point, this table lets you filter Rochester car insurance rates by your specific combination of age, driving history and other personal factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $41 | $488 | -21% |
How to Get the Best Cheap Rochester Car Insurance
Finding affordable car insurance in Rochester isn't easy with the area's high rates and complex coverage options. Our step-by-step guide will help you navigate your choices and find the best cheap car insurance for your needs.
- 1
Calculate your coverage requirements
Start by determining how much coverage you need based on your vehicle's value and your situation. Use our car insurance coverage needs calculator to understand your coverage needs. Consider Rochester's winter weather conditions when deciding on comprehensive and collision coverage levels.
- 2
Explore alternative insurance options
Look into different types of car insurance that could save you money. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Non-owner insurance might be your best option.
- 3
Know the average costs
Research average vehicle insurance costs in Rochester to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying for coverage.
- 4
Maximize available discounts
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles. Safe driver and anti-theft device discounts can also reduce your premium.
- 5
Check insurer reputation and service
Research insurance companies' customer service ratings and claims satisfaction scores. Focus on providers with strong winter claims handling experience in Rochester. Look for companies offering 24/7 customer support and convenient digital tools.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites. Each company calculates rates differently, so comparing multiple quotes helps you get the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new rates. Life changes like moving within Rochester, buying a new car or improving your credit score can affect your premiums. Regular policy reviews help ensure you maintain optimal coverage at the best price.
Cheapest Car Insurance in Rochester: Bottom Line
Car insurance rates in Rochester depend on your age, driving record and credit score. NYCM and Kemper offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Rochester Car Insurance: FAQ
Looking for affordable car insurance in Rochester? Our FAQ section provides straightforward answers about finding the cheapest coverage that fits your needs. We'll help you understand your options and save money without sacrificing important protection.
What is the cheapest car insurance company in Rochester, New York?
NYCM offers the lowest rates in Rochester, with average annual premiums of $225 for minimum coverage and $515 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Rochester?
Progressive leads Rochester's car insurance market with a MoneyGeek score of 96 out of 100, scoring two points above NYCM. Progressive excels in both affordability and customer service quality.
What is the average cost of car insurance in Rochester?
In Rochester, full coverage car insurance costs $1,050 annually, while minimum coverage averages $551. Your actual rates will vary based on individual factors.
Is car insurance in Rochester expensive?
Car insurance in Rochester costs more than most New York cities, ranking 892nd for minimum coverage affordability and 851st for full coverage affordability.
How We Chose the Best and Cheapest Car Insurance in Rochester, NY
To help Rochester drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the New York State Department of Financial Services and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in New York to tailor options as closely as possible to you.
Rochester Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Rochester
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in New York are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.