Cheap Auto Insurance in Rochester, New York (2025)
Liberty Mutual offers the cheapest rates for Rochester drivers, with minimum coverage starting at $71 per month.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Rochester drivers pay an average of $172 per month for full-coverage car insurance, which is lower than the New York state average of $191 per month, and significantly less than the national average of $184.
On the southern shore of Lake Ontario, Rochester has an extensive network of highways that reduces traffic in the city. This lack of gridlock may contribute to the city’s reasonable auto insurance rates.
Learn more about the cheapest car insurance options in Rochester and how to find the best rate for your unique driving profile.
Quick Facts
Liberty Mutual, Erie, and USAA offer the lowest car insurance rates for Rochester drivers.
New York allows insurers to use your credit history to generate a credit-based insurance score to help them determine your rates.[1]
Because New York is a no-fault state, each driver involved in an auto accident needs to file a claim with their insurer.[2]
Best car insurance companies in Rochester
Before choosing a car insurance company, you should consider your budget and specific coverage needs. The right insurer for you might look different than the best insurer for another driver.
The three car insurance companies below offer Rochester drivers a unique combination of low prices and high customer satisfaction ratings.
 |  |  |  |  |
|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $0/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $200/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $345/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $175/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $182/mo* |
Overall rating 4.5 | Overall rating 3.5 | Overall rating 3.3 | Overall rating 4.0 | Overall rating 4.9 |
Value for money 4.6/5 | Value for money 3.3/5 | Value for money 3.3/5 | Value for money 3.7/5 | Value for money 4.9/5 |
Customer service 4.4/5 | Customer service 3.3/5 | Customer service 3.3/5 | Customer service 4.0/5 | Customer service 4.7/5 |
Claims handling 4.5/5 | Claims handling 3.6/5 | Claims handling 3.4/5 | Claims handling 3.9/5 | Claims handling 4.9/5 |
Special highlight AAA membersAI-generated from 457 user reviews | Special highlight Numerous discountsAI-generated from 1746 user reviews | Special highlight Competitive ratesAI-generated from 7004 user reviews | Special highlight High customer satisfactionAI-generated from 190 user reviews | Special highlight Members of the military communityAI-generated from 1210 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for cheap rates: CSAA
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5Â /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $110/mo |
4.5
Best choiceBased on 2,181 verified guest reviews and ratings
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
Reviews (457)
Jimmie
Verified Review
Excellent
Reviewed in Alabama on August 2025
Good agent communicates well.
Jerry
Verified Review
I'll give 5 stars 🌟
Reviewed in Connecticut on August 2025
Very best customer service đź‘Ś
Vincent
Verified Review
AAA SoSo Insurance
Reviewed in Nevada on July 2025
I called last year with a question about why my car insurance went up and what could be done to get a better price. He said he'd call me back, but that was a year ago. My car insurance went up $90.00 a month this year.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
CSAA is a regional insurer, serving New York and 15 other states. The company offers auto, homeowners, and other types of insurance to members of AAA. AM Best gives CSAA a financial strength rating of A, which means the insurer is financially stable and should be able to pay claims. With rates that are significantly lower than some competitors, CSAA may be a good, cheap option for AAA members or anyone willing to join AAA.
Pros
Lowest rates for Buffalo drivers
Discounts for automatic bill pay, claims-free, and more
Cons
Only sells to AAA members
Little information about coverage options on website
Best insurer for classic car owners: Safeco
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.1Â /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $88/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $145/mo |
4.4
Best choiceBased on 884 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (496)
Sandra
Verified Review
Never again
Reviewed in Washington on August 2025
It was fine until last month when it was time for our auto renewal. They raised our rates by $4200! Absolutely nothing had changed on our side. I can understand a small change, but $4200 for people that had been with them for about 40 years? We still have our home with them because it renewed in February. I still can't believe it—$4200! My husband is 82 and I'm 76. No tickets or DUIs ever.
Bill
Verified Review
Insurance rates are out of control
Reviewed in Colorado on August 2025
I have had overall good experiences with SafeCo. Unfortunately, rates are significantly increasing for the same coverage.
Margaret
Verified Review
I am having trouble paying my bill. I let them know, but all they could talk to me about was the late payment. I know I am going to be late, and I reached out to let them know. If I had the money, I wouldn't have made the call. I don't need to hear about late payments. Instead, can't they work with me? I am waiting to get paid. I also have rental insurance. My landlord, when I moved in here, needed a copy. They told me they would send it, but they never did.
Reviewed in Indiana on July 2025
I am having trouble paying my bill. I let them know, but all they could talk to me about was the late payment. I know I am going to be late, and I reached out to let them know. If I had the money, I wouldn't have made the call. I don't need to hear about late payments. Instead, can't they work with me? I am waiting to get paid. I also have rental insurance. My landlord, when I moved in here, needed a copy. They told me they would send it, but they never did.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Owned by Liberty Mutual, Safeco offers several insurance products, including auto, homeowners, renters, and pet insurance. Safeco’s classic car insurance offers plenty of key coverages, including agreed-value coverage, limited-use coverage, and roadside assistance. You can even earn a multi-car discount if you insure your everyday car and a classic car with the company.
The Liberty Mutual brand ranked 13th in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study, falling just below the industry average, and earned an AM Best financial strength rating of A (Excellent).
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Cons
Limited number of discounts
Customer reviews indicate room for improvement in customer service
Best insurer for teen drivers: Erie
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4Â /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $114/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $118/mo |
4.0
Best choiceBased on 366 verified guest reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (190)
Christine
Verified Review
Excellent
Reviewed in Pennsylvania on August 2025
They always answer my questions.
Dudley
Verified Review
My rate goes up every year
Reviewed in Pennsylvania on July 2025
My rate goes up every year, even though there have been no claims in the past 3 years. Also, my wife and I are over 70.
John
Verified Review
Erie Insurance is Amazing
Reviewed in Tennessee on July 2025
Erie Insurance and Summit Agency are wonderful companies. Ask them for the best rates.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Even though Rochester has fairly reasonable car insurance rates, teens typically pay more. Luckily, Erie offers a number of discounts for young drivers. The youthful driver discount offers savings to unmarried drivers younger than 21 who live with their parents. Plus, the youthful driver longevity discount rewards drivers who stay on their parent or guardian’s policy for multiple years.
The company ranked third in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study and has an A+ rating from the Better Business Bureau (BBB).
Pros
Excellent BBB, J.D. Power, and AM Best ratings
Competitive rates for teenagers and drivers with speeding tickets
Cons
Fewer additional coverage options than some other insurers
Policy purchasing and claim filing not available online
How to get the cheapest car insurance in Rochester
Rochester drivers pay 18% more than the national average for car insurance. You can find the best deal in the area for you by using these strategies:
Raise your deductible. Your deductible describes the amount you need to pay out of pocket on a claim before your insurance kicks in. Higher deductibles generally lead to lower monthly premiums.
Choose the right car. Choosing a car with a strong safety record and advanced safety features is a good idea if you’re looking for cheap auto insurance.
Bundle home and auto. Purchasing car insurance and home insurance from the same company may qualify you for a bundling discount. The same applies to other insurance products, like renters and life insurance.
Shop around and compare quotes. Companies offer different rates on auto insurance coverage. Receiving quotes from at least three companies and comparing them side by side is the best way to find the cheapest car insurance rates.
Cheapest liability-only car insurance in Rochester: Liberty Mutual
Liability insurance covers the other driver’s repair costs and medical bills if you have an accident. However, a liability-only policy won’t cover your medical expenses or vehicle damage.[3] This coverage can work well for drivers of inexpensive or older vehicles with lots of mileage. Otherwise, you may want to purchase additional coverage for more protection.
On average, liability-only policies cost $126 per monthly in Rochester. Here are the cheapest companies in Rochester for liability-only car insurance.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.Â
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company  | Average Monthly Quote |
|---|---|
| Liberty Mutual | $71 |
| Erie | $114 |
| USAA | $119 |
| Travelers | $139 |
| Progressive | $160 |
| GEICO | $162 |
| State Farm | $163 |
| Allstate | $172 |
| Nationwide | $174 |
| Bristol West | $294 |
| Chubb | $317 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Rochester: CSAA
Full-coverage insurance policies provide more protection than liability-only policies by including collision coverage, which covers your vehicle repairs after an accident regardless of fault, and comprehensive coverage, which covers damage from non-collision events like fire, vandalism, or severe weather.
Because full-coverage insurance offers more robust vehicle and financial protection, it’s more expensive than a liability-only policy. Drivers of new or high-value cars should consider purchasing this coverage. If you finance or lease your vehicle, your auto lender may require you to have this coverage.
Rochester drivers see average full-coverage rates of $172 per month, according to Insurify data. Here are the cheapest car insurance options for full-coverage policies in Rochester.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.Â
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $110 |
| Erie | $118 |
| USAA | $122 |
| Travelers | $143 |
| GEICO | $167 |
| State Farm | $168 |
| Allstate | $176 |
| Nationwide | $179 |
| Liberty Mutual | $196 |
| Progressive | $299 |
| Chubb | $327 |
| Bristol West | $363 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Rochester, New York
Drivers using Insurify have found quotes as cheap as $91/mo for liability only and $142/mo for full coverage in Rochester and other New York cities.
*Quotes generated for Insurify users in and around Rochester, New York within the last 10 days. Last updated on August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Rochester, New York within the last 10 days. Last updated on August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in New York
New York drivers must carry a minimum amount of liability insurance to drive legally in the state. Because New York is a no-fault state, both drivers must file claims with their auto insurer after an accident, regardless of fault.[4] Drivers also need to purchase personal injury protection (PIP) coverage, which kicks in to pay for medical expenses, lost wages, and more.
You could face license and registration suspension if you fail to maintain the required car insurance in New York.[5] Find the specific requirements for liability and no-fault coverage in New York below.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
| Personal injury protection (PIP) |
|
Beyond liability and PIP coverage, drivers in New York can also purchase the following optional coverages:
Collision coverage
Collision insurance covers damage to your car after an auto accident or a collision with an object, regardless of fault.
Comprehensive coverage
If you face damage to your car from a non-collision event, such as theft, vandalism, or severe weather, comprehensive coverage kicks in.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your repairs and medical bills if you have an accident with a driver who doesn’t have enough or any insurance.
Cheapest car insurance for Rochester drivers with an incident
Drivers with incidents on their driving record — such as a speeding ticket, driving under the influence charge, or at-fault accident — pay higher average rates for car insurance. Auto insurers see you as riskier to insure after an incident, so they charge higher premiums to offset that risk. How much a Rochester driver’s rate increases varies by the severity of the incident.[6]
Find Car Insurance in Rochester After an Accident
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Cheapest car insurance for drivers with a speeding ticket: Liberty Mutual
Receiving a speeding ticket will typically increase your car insurance rates. Drivers in Rochester with one or more tickets may have to search a bit harder to find affordable rates. However, a single speeding ticket shouldn’t increase your premium by a significant amount.
A speeding ticket pushes the average cost of car insurance in Rochester to $230 monthly for full coverage and $169 for minimum coverage. Here's how a speeding ticket affects liability car insurance rates from some top insurers for Rochester drivers.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.Â
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Record | With Ticket |
|---|---|---|
| Liberty Mutual | $71 | $92 |
| Erie | $114 | $151 |
| USAA | $119 | $154 |
| Travelers | $139 | $181 |
| Progressive | $160 | $214 |
| GEICO | $162 | $214 |
| State Farm | $163 | $209 |
| Allstate | $172 | $222 |
| Nationwide | $174 | $226 |
| Bristol West | $294 | $384 |
| Chubb | $317 | $410 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Liberty Mutual
Filing a claim after an at-fault accident will typically result in an increase in your insurance rates. The severity of the rate increase will vary by company, but you can expect to deal with higher premiums after an accident for about three years.[7]
Rochester drivers with at-fault accidents face average car insurance costs of $246 per month for full coverage and $180 for liability-only policies. Here are the Rochester auto insurers offering the cheapest liability rates to drivers with an at-fault accident.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.Â
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Record | With Accident |
|---|---|---|
| Liberty Mutual | $71 | $97 |
| Erie | $114 | $150 |
| USAA | $119 | $162 |
| Travelers | $139 | $190 |
| Progressive | $160 | $229 |
| GEICO | $162 | $209 |
| State Farm | $163 | $220 |
| Allstate | $172 | $233 |
| Nationwide | $174 | $238 |
| Bristol West | $294 | $402 |
| Chubb | $317 | $429 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Liberty Mutual
A DUI is the most serious violation a driver can receive and will often result in the steepest increase in car insurance rates. A car insurance company may even choose not to renew your policy if you receive a DUI.
A DUI in Rochester significantly affects monthly rates, pushing liability coverage to an average of $196 per month and full coverage to $268. The following insurance companies offer the lowest average liability-only rates for Rochester drivers with a DUI on their record.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.Â
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Record | With DUI |
|---|---|---|
| Liberty Mutual | $71 | $108 |
| Erie | $114 | $173 |
| USAA | $119 | $180 |
| Travelers | $139 | $211 |
| Progressive | $160 | $249 |
| GEICO | $162 | $246 |
| State Farm | $163 | $247 |
| Allstate | $172 | $261 |
| Nationwide | $174 | $264 |
| Bristol West | $294 | $446 |
| Chubb | $317 | $481 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for Rochester seniors: Liberty Mutual
Though young people tend to deal with high insurance costs, rates typically decrease steadily between your 30s and early 70s. But senior drivers may see their rates increase again after age 75 because insurers see drivers in that age group as higher risk. Senior drivers typically pay more than middle-aged drivers but much less than drivers younger than 30.
The average monthly cost of car insurance for Rochester seniors is $123 for full coverage and $90 for minimum coverage. Here are the cheapest insurance companies for older drivers in Rochester.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.Â
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Erie | $83 | $81 |
| USAA | $91 | $89 |
| Travelers | $105 | $102 |
| State Farm | $121 | $118 |
| GEICO | $122 | $119 |
| Nationwide | $125 | $122 |
| Allstate | $132 | $129 |
| Liberty Mutual | $151 | $55 |
| Progressive | $214 | $115 |
| Chubb | $224 | $217 |
| Bristol West | $274 | $222 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for Rochester teens: Liberty Mutual
Teen drivers have a much higher accident rate than drivers 20 and older, according to the Centers for Disease Control and Prevention (CDC).[8] Insurance companies typically view teenagers as high-risk drivers and charge them higher rates to offset this risk. Teens can lower their rates by joining their parents’ insurance policy, driving a safe car, and earning a good student discount.
Teen drivers in Rochester will find average rates of $288 per month for full coverage and $90 for minimum coverage. Certain car insurance companies also offer more affordable rates to teen drivers. Here are the cheapest auto insurance companies in Rochester for teens.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.Â
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Erie | $210 | $203 |
| USAA | $214 | $209 |
| Travelers | $274 | $267 |
| GEICO | $284 | $275 |
| State Farm | $306 | $297 |
| Liberty Mutual | $329 | $119 |
| Allstate | $331 | $324 |
| Nationwide | $332 | $323 |
| Progressive | $500 | $268 |
| Bristol West | $620 | $502 |
| Chubb | $661 | $641 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Rochester, NY
Compare real-time quotes from top auto insurers
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Rochester car insurance quotes by credit tier
Consumer advocates in New York have recently pushed lawmakers to block insurers from using credit information to determine car insurance rates. But credit is still a factor when it comes to insurance coverage in the Empire State. As the chart below shows, drivers with excellent or good credit pay less than drivers with poor credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Rochester?
Rochester drivers pay, on average, $172 per month for full-coverage car insurance, and $126 for minimum coverage. These rates are lower than both the New York state and national averages. Car insurance rates vary by city due to a variety of factors. Local property values, repair costs, weather patterns, and crime rates all influence a given ZIP code’s average rates. More expensive cities usually have higher car insurance rates.
More cities in New York
Car insurance rates in Rochester are lower than average premiums in New York City, Buffalo, Staten Island, and more. Drivers in Albany or Schenectady pay even lower rates.
The table below shows average monthly quotes in other New York cities.
City | Average Monthly Quote | Compared to Rochester |
|---|---|---|
| Buffalo | $240 | $215 |
| New York | $312 | $244 |
| Staten Island | $231 | $182 |
| Syracuse | $176 | $148 |
| Yonkers | $297 | $280 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Rochester car insurance FAQs
Before you begin comparing quotes from various insurers, you should consider how much coverage you need. The following process should help you navigate the insurance-buying process in Rochester, New York.
How much is car insurance in Rochester, NY?
The average cost of car insurance in Rochester is $172 per month for full coverage and $126 for minimum coverage. Rochester's averages are lower than those at the New York state and national levels. But your actual rates may be more or less than average, depending on your individual rating factors, including your age, gender, and driving history.
What are the best car insurance companies in Rochester?
CSAA, Safeco, and Erie are the best insurers for Rochester drivers. All three have solid financial strength ratings from AM Best and offer a good balance of coverages and discounts. Erie's 8.4 Insurify Quality (IQ) Score puts it at the forefront of customer service among the three top options, but it may not be the cheapest choice for all drivers.
Which company has the cheapest car insurance in Rochester?
Liberty Mutual has the cheapest car insurance rates for Rochester drivers. Its liability-only policies start at $71 per month. The city's second- and third-cheapest insurers, Erie and USAA, also offer affordable rates. Erie's minimum-coverage policies start at $114 monthly, while USAA's begin around $119 per month.
Is New York a no-fault state?
Yes. New York is a no-fault state. This means, in the event of an accident, both drivers must file claims with their auto insurers. In addition to liability coverage, drivers in New York must purchase a minimum amount of personal injury protection (PIP) coverage. PIP coverage can pay for your medical expenses, lost wages, and more following an accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- New York State Department of Financial Services. "Applying for Auto Insurance."
- New York State Department of Financial Services. "Minimum Auto Insurance Requirements Coverage."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- NOLO. "New York No-Fault Car Insurance."
- New York State Department of Motor Vehicles. "New York State Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts."
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A.M. SteinbachInsurance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
A.M. has been a contributor at Insurify since December 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.