Compare the Cheapest Car Insurance Quotes in Rochester, NY

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.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 11/3/2022
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In Rochester, State Farm offers the cheapest full coverage and state minimum auto insurance policies as well as coverage for drivers with speeding tickets. However, rates can change based on coverage amounts and driver profiles. USAA is an affordable option for military families. Balancing cheap costs and high-quality service, Travelers is the best overall insurer in Rochester, according to MoneyGeek.

iconribbonbestauto insuranceRochester2022

The Cheapest and Best Car Insurance in Rochester

The Cheapest Car Insurance Companies in Rochester

On average, the cheapest car insurance providers in Rochester for a full coverage policy are:

  • State Farm: $685 per year
  • Farmers: $704 per year

USAA offers the cheapest rates overall at an average of $656 annually. However, these policies are only available to military families.

The most expensive in the city, Progressive offers policies at $1,270 per year on average. This is almost twice the cost of State Farm.

A full coverage policy provides complete protection, including liability insurance as well as comprehensive and collision coverage.

Cheapest Car Insurance in Rochester
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    GEICO
    $713
  • 2.
    Erie
    $721
  • 3.
    USAA
    $731
  • 4.
    Progressive
    $904
  • 5.
    Allstate
    $964
  • 6.
    State Farm
    $1,022
  • 7.
    MetLife
    $1,035
  • 8.
    New York Central Mutual Fire
    $1,085
  • 9.
    Nationwide
    $1,210
  • 10.
    Travelers
    $1,286
  • 11.
    Esurance
    $1,736
  • 12.
    The General
    $2,152

For this study, MoneyGeek’s methodology analyzed the average car insurance rates in Rochester for a sample 40-year-old male driver getting a full coverage policy.

A full coverage policy includes not only liability insurance but also has collision and comprehensive coverage. This makes it more expensive than a state minimum policy.

  • Collision Insurance: Refers to damages caused by a collision, either with another car or with a stationary object such as fences, posts, trees, etc.
  • Comprehensive Insurance: Refers to non-crash damages like natural disasters, theft, etc.

Full coverage may not be the best option in all situations. For example, it may be wise to reduce your coverage if you have an older car because you don’t want to pay more in car insurance premiums than what your car is actually worth.

Compare Car Insurance Rates in Rochester

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Rochester for Minimum Coverage

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.

Cheapest Minimum Liability Car Insurance in Rochester
State Minimum

While a state minimum policy will help you lower your monthly costs, you could end up paying more out of pocket if you are in an accident. In New York, drivers are required to have a 25/50/10 car insurance liability limit when they register a vehicle. This means that if you purchase this type of policy and cause an accident where the other driver needs $35,000 in medical bills covered, your insurance will pay the first $25,000, and you’ll pay the remaining $10,000 out of your own pocket.

New York Minimum Liability Requirements

  • Item
    Description
  • 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.

Cheapest Car Insurance in Rochester if You Have Driving Violations

One reason your car insurance rates are expensive could be because of a driving violation.

On average, these are the cheapest insurers in Rochester for various violation types:

  • Cheapest after a ticket: State Farm, $748 per year
  • Cheapest after an at-fault accident: State Farm, $811 per year
  • Cheapest after a DUI: State Farm, $748 per year

There are other ways that you could find cheaper rates after a violation. One is by shopping around and comparing the costs from various insurers. However, the most effective way is to improve your driving habits over time and ask for a re-evaluation of your premiums.

Cheapest Car Insurance in Rochester With a Violation
Speeding Ticket

Average Cost of Car Insurance in Rochester

Rochester$1,166
New York$3,433
U.S.$1,424

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.

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.

Compare Car Insurance Rates in Rochester

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Rochester

MoneyGeek rated the best car insurance carriers in Rochester, New York, using metrics on average rates, claims ratings and customer satisfaction.

Based on these criteria, the companies that stood out among all their competitors are:

  • Erie: MoneyGeek score of 94.8 out of 100
  • GEICO: MoneyGeek score of 90.8 out of 100

USAA received a near-perfect MoneyGeek score of 99.4 out of 100, making it the best insurer in Rochester. But it was excluded from our analysis because its policies are only available to military members and their families.


1
Erie
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

Erie is MoneyGeek’s top pick in Rochester, outscoring all its peers on affordability and customer satisfaction ratings. Policies are fairly priced at around $721 per year with the option for rare coverages like new and better car replacement.

More About Erie

The new car replacement and better car replacement coverage, called Auto Security, guarantee that your car will be replaced with the newest model year, provided you’ve had your car for less than two years. If you’ve had your car for longer than two years, your totaled car will be replaced with a model that’s two years newer. In addition, Erie’s accident forgiveness coverage ensures that you won’t have to pay a surcharge the first time you’re found at fault for an accident.

Read MoneyGeek's Erie auto Insurance Review
2
GEICO
Score:91

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO is MoneyGeek’s runner-up for the best car insurer in Rochester. Receiving excellent scores on affordability and financial stability, GEICO provides full coverage policies at an average of $713 per year, with the option for a rare mechanical breakdown insurance (MBI) add-on.

More About GEICO

MBI shoulders the cost of damage or loss of parts and systems in your insured car. Plus, it comes out cheaper than the typical dealer extended warranty. You must own a new or leased car that is less than 15 months old and has less than 15,000 in mileage to qualify for this coverage. GEICO’s other unique coverage is accident forgiveness, which ensures that your premiums won’t increase as a result of your first at-fault accident.

Read MoneyGeek's GEICO auto Insurance Review

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 Code
    State Minimumper year
  • 14624
    $1,153
  • 14609
    $1,179

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.

accident2 icon
Most Accidents With Fatalities118th/300
handcuffs2 icon
Most Car Thefts9th/300
uninsured icon
Most Uninsured Motorists by State50th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall167th/300
umbrella icon
Most Rainy Days3rd/300

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.