Car insurance in Rochester costs $1,166 per year on average, which is 66% less than the state average. The insurer with the lowest rates in the city is GEICO, with an average annual cost of $713. MoneyGeek calculated rates across different coverage levels and driving records to ensure that you secure affordable costs and quality service for your car insurance needs.
Compare the Cheapest Car Insurance Quotes in Rochester, NY
The Cheapest and Best Car Insurance in Rochester
The Cheapest Car Insurance Companies in Rochester
The cheapest car insurance providers in Rochester for a full coverage policy are:
- GEICO: $713 per year
- Erie: $721 per year
For this study, MoneyGeek analyzed the average car insurance rates in Rochester for a sample 40-year-old male driver. In this scenario, the driver has a full coverage policy that includes liability insurance and comprehensive and collision coverage.
Average Cost of Car Insurance in Rochester
The average yearly cost of car insurance in Rochester is $1,166. This rate is 66% less than the New York average and 18.1% less than the national average.
The Best Car Insurance Companies in Rochester
Rochester drivers shopping for affordable, high-quality car insurance coverage can use MoneyGeek’s recommendations of the best companies in the city to find an ideal insurer.
Based on MoneyGeek’s analysis, the best insurance providers in Rochester for most drivers are:
- Travelers: MoneyGeek score of 90 out of 100
- State Farm: MoneyGeek score of 88 out of 100
USAA received the highest score in Rochester by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek calculated its scores based on several factors, including affordability, financial stability and customer satisfaction ratings from J.D. Power.
Personalized Quotes to Get You the Cheapest Car Insurance in Rochester
To determine their car insurance prices in Rochester, providers consider several factors, including your gender and age, the make and model of your vehicle, ZIP code and others. For instance, in Rochester, GEICO’s policy for a 40-year-old male driver costs an average of $713 per year. This price could increase or decrease as that driver’s situation changes. Therefore, it’s wise to compare car insurance quotes at regular intervals to improve your chances of finding cheap coverage as your circumstances change.
Shopping around for car insurance in Rochester could save you $453, which is enough to buy:
Cheapest Car Insurance in Rochester by Coverage Amount
In Rochester and elsewhere, the coverage level you choose determines how much you pay for car insurance. For instance, a minimum liability policy costs an average of $715 per year. However, a full coverage policy with higher limits costs around $1,166 per year. That’s an average difference of about $451.
New York Minimum Liability Requirements
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$50,000 per person.
- Other$50,000 liability for death per person. $100,000 liability for death per accident.
Liability coverage covers the expenses of the other driver if you’re at fault in an accident. Most states have mandated minimum standards for liability insurance. Other options like uninsured motorist, collision and comprehensive coverage may cost extra. Full coverage provides the above features and pays for your own costs and those of the other driver.
In Rochester, GEICO offers the cheapest car insurance rates for a 50/100/50 liability-only plan with an average of $419 per year. Its annual premium for 50/100/50 full coverage costs $245 more on average, which is understandable as this policy delivers additional benefits.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Rochester if You Have Driving Violations
Careful drivers can save more on car insurance premiums because driving violations raise the cost of coverage. Consider the example of Erie in Rochester. Its policyholders with a speeding ticket on their record pay an average of $97 more annually for their coverage than drivers with a clean record. Similarly, customers with a DUI on their record pay $497 more per year, while those with an at-fault accident need to shell out an extra $297 on average annually.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Auto insurance companies assess your neighborhood when they determine your premium because ZIP codes with more uninsured motorists, car thefts and accidents are considered riskier and costlier to insure. In Rochester, residents of the 14624 ZIP code pay $26 less in average yearly auto insurance rates than those living in ZIP code 14609.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Rochester
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the rate of car thefts also contribute to car insurance rates in Rochester. How Rochester ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Rochester are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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