Car Insurance in Rochester

NYCM Insurance delivers the most affordable rates across nearly all driver categories in Rochester. Young drivers pay just $344 annually with NYCM Insurance, while adult drivers with clean records pay only $225 per year.

Senior drivers see premiums of $334 per year from NYCM Insurance, about 48% higher than adult rates. Drivers with a speeding ticket pay $320 annually with Progressive, and those with an at-fault accident get rates of $225 per year from NYCM Insurance.

Rochester's upstate New York location brings dramatically lower insurance costs than New York City's metro area. The city's revitalized downtown, anchored by strong healthcare and education sectors, maintains stable demographics and relatively low crime rates that insurers reward with competitive premiums.

NYCM Insurance delivers unbeatable value in Rochester with minimum coverage at $225 yearly, a remarkable 55% below the city's $551 average. Full coverage costs just $515 annually through NYCM versus Rochester's $1,050 average.

Kemper ranks second with full coverage at $568 per year. Progressive also provides competitive pricing for Rochester residents seeking affordable coverage.

NYCM Insurance's strong presence in upstate New York gives the regional carrier deep understanding of Rochester's unique characteristics, from lake-effect snow driving conditions to the city's one-way street system downtown. This local expertise translates to more accurate risk assessment and better pricing for Rochester drivers.

Rochester stands out with exceptionally low rates across all age groups. NYCM Insurance offers young drivers coverage for just $344 per year.

Adult drivers pay $225 annually with NYCM Insurance, saving $119 compared to young drivers. Senior drivers get their best deal from NYCM Insurance at $334 per year, 48% more than adult premiums but still remarkably affordable.

The University of Rochester and Rochester Institute of Technology bring substantial student populations whose driving patterns affect local rates. However, many students come from New York City and don't own vehicles, reducing the young driver impact on Rochester's overall insurance market.

NYCM Insurance provides Rochester's lowest rate at $225 per year for clean drivers. Notably, drivers with an at-fault accident also pay $225 annually with NYCM Insurance, showing no rate increase.

A speeding ticket raises your premium to $320 annually with Progressive. A DUI pushes premiums to $325 annually with Progressive, still among the lowest in the nation.

New York State Police enforce speed limits on I-490 and I-590 through Rochester, but the city's overall traffic enforcement remains moderate compared to downstate. Monroe County's DUI prosecution focuses on rehabilitation alongside punishment, though insurance consequences persist regardless of legal outcomes.

Progressive leads Rochester with an overall score of 96.4 out of 100. The company delivers excellent performance across pricing, customer service and claims handling.

NYCM Insurance follows with a score of 94, offering exceptional value alongside reliable service. Both insurers maintain strong financial ratings and low complaint ratios with New York regulators.

Car insurance in Rochester costs an average of $46 per month for minimum coverage and $87 per month for full coverage. These rates rank among the nation's lowest, making Rochester an exceptionally affordable market.

NYCM Insurance's minimum coverage rate of $19 monthly represents some of the cheapest car insurance available anywhere in the United States. Your individual premium depends on your driving record, age and coverage choices.

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.

It’s not always easy to find affordable car insurance in Rochester, with so many coverage options and higher local rates. This guide walks you through each step to help you choose a plan that works best for you.

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.

If you’re looking for affordable car insurance in Rochester, this FAQ shares simple answers to help you compare plans, cut costs and find coverage that fits your needs and goals.

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): We compared quotes for various driver profiles against other insurers in Rochester.
• Customer experience (30% of score): We used agency reviews on Google, J.D. Power, AM Best and Reddit forums to gauge customer sentiment and experiences.
• Coverage options (10% of score): We evaluated the number of coverage options each provider offers and their unique benefits.