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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.

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The Best Cheap Car Insurance Companies in Rochester

The auto insurance provider GEICO offers the best car insurance rates in Rochester on average. Its coverage is about 201.8% cheaper on average than that of The General, the city’s costliest auto insurance carrier.

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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.

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Cheapest Car Insurance in Rochester by Coverage Amount

How much car insurance coverage you purchase in Rochester also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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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.

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 by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Rochester if You Have Tickets

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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. USAA
    $790
    $906
    $1,216
  • 2. Erie
    $818
    $1,018
    $1,218
  • $1,125
    $1,228
    $1,125
  • $1,125
    $1,434
    $1,067
  • $1,161
    $1,175
    $1,311
  • $983
    $1,145
    $1,921
  • 7. New York Central Mutual Fire
    $1,238
    $1,238
    $1,538
  • $1,489
    $1,606
    $1,611
  • $1,257
    $1,527
    $3,059
  • $1,233
    $2,381
    $2,465
  • $2,274
    $2,667
    $2,326
  • 12. The General
    $2,974
    $2,768
    $2,974

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
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Most Car Thefts9th/300
uninsured icon
Most Uninsured Motorists by State50th/50
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Personal Injury Protection RequiredYes
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Most Annual Rainfall167th/300
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Most Rainy Days3rd/300

Shopping around for car insurance in Rochester could save you $453, which is enough to buy:


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151Cups of Coffee
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35Months of Your Favorite Streaming Service

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.

Compare Car Insurance Rates in Rochester

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

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.