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Cheapest Car Insurance Quotes in Rochester, NY

Kemper Preferred, Nationwide, and Travelers offer the cheapest car insurance for full-coverage insurance in Rochester.

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Jacqueline DeMarco
Written by
Jacqueline DeMarco
Jacqueline DeMarco
Written by
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated December 21, 2022

Rochester drivers stand to save a little money on their car insurance compared to other New York drivers. Minimum-coverage car insurance in Rochester costs an average of $176 per month. This is 69% less per month than the New York average of $569. 

Living in a less-populated city, especially compared to large ones like New York City, potentially means less traffic, theft, and accidents — all of which can contribute to lower car insurance rates.[1] [2]

Here’s why insurance costs what it does in Rochester, how to save more money on insurance, and what companies offer the best rates on car insurance in Rochester, New York.

How much does car insurance cost in Rochester?

The auto insurance rates you’re offered are unique to you as a driver and vary depending on how much coverage you want. It’s a good idea to shop around with multiple Rochester car insurance providers until you find a policy and rate that fits your needs.[3]

To help you find the most affordable rates, Insurify data scientists analyzed the latest insurance rates in the city to identify the cheapest quotes in the area.

  • Safeco: At $67 per month, Safeco offers the cheapest liability-only insurance coverage in Rochester. 

  • Kemper: At $98 per month, Kemper offers the cheapest full-coverage insurance in Rochester.

  • Safeco: At $141 per month, Safeco offers the cheapest insurance for new/young drivers in Rochester. 

Read More: Cheapest Car Insurance in New York

Cheapest car insurance in Rochester: Safeco and Kemper Preferred

The top two car insurance companies in Rochester for the cheapest average monthly rates include Safeco ($67 a month for a liability-only policy) and Kemper Preferred ($98 for full-coverage policies). But these numbers are just averages. Where you live, the car you drive, your age, your driving record, and a handful of other factors can all affect your potential rates.[4]

Here are the other cheapest car insurance providers in Rochester. 

Insurance CompanyLiability OnlyFull Coverage
Safeco$67$14
Travelers$86$120
Nationwide$116$116
Bristol West$172$296
Progressive$173$230
Midvale Home & Auto$200$239
Liberty Mutual$256$278
CSAA$446$447
Kemper PreferredN/A$98
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.

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How much car insurance do you need in Rochester?

All drivers in New York state are legally required to have car insurance and Rochester drivers may be required to provide proof of insurance for a variety of reasons, such as when requested by law enforcement, their car is involved in an accident, and renewing their vehicle registration.

The minimum liability insurance requirements for private passenger vehicles in New York are:

  • $10,000 for property damage for a single accident

  • $25,000 for bodily injury and $50,000 for death for a person involved in an accident

  • $50,000 for bodily injury and $100,000 for death for two or more people in an accident[5] 

New York DMV information

You can complete different services through the New York DMV website, which can save a time-consuming trip to a physical location. Services you can handle online include: 

  • Renewing your driver’s license and car registration 

  • Requesting a copy of your driving record 

  • Paying for a ticket

However, if you’re moving to Rochester from out of state, you may need to visit one of the three physical offices in Rochester and surrounding neighborhoods.[6] 

Tips for getting cheap car insurance in Rochester

Want to save money on your car insurance policy in Rochester? Consider some of these helpful tips that can lead to savings. 

  • Consider pay-per-mile car insurance. People who don’t drive a lot (like telecommuters) can potentially save on insurance by buying a pay-per-mile policy that only charges them for the amount of miles they drive. 

  • Buy a less-expensive car. The more expensive your car is, generally the more it costs to repair and replace — and insurance companies determine rates accordingly. A luxury car can make your insurance rates rise, so consider a cheaper car if you want to save on insurance.[4]

  • Investigate discounts. The types of discounts car insurance companies offer can vary, but they are fairly common. Ask insurers if you can qualify for a low annual mileage, good credit record, or good grade discount.[7]

  • Compare different insurance providers. Before you choose a policy, request quotes from a handful of different insurance companies to see who can offer you the lowest rates for the most coverage.[3]

Read Now: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Rochester 

Teen and young adult drivers (drivers under the age of 25) often have much higher insurance rates than older drivers do due to their lack of driving experience and higher likelihood of getting in an accident.[4]

Here’s how insurance rates can get lower as drivers get older. 

Age GroupAverage Monthly Rate
Teenagers$322
Under 25$528
25-29$223
30s$207
40s$208
50s$164
60s$154
70s$158
80+$154
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.

Cheapest car insurance for young drivers in Rochester

Travelers offers the cheapest full-coverage policy quotes for young drivers in Rochester at $145 per month, on average.

Insurance CompanyAverage Monthly Quote
Travelers$145
Safeco$167
Progressive$231
Midvale Home & Auto$276
Bristol West$312
Liberty Mutual$376
CSAA$504
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.

Cheapest car insurance for middle-aged drivers in Rochester

Safeco offers the cheapest full-coverage policy for middle-aged drivers at an average rate of $111 per month. This is only slightly lower than Travelers’ average monthly rate of $125, and Progressive’s $167 monthly rate.

Asking your insurance provider about potential discounts is a great way to save on your policy, and middle-aged drivers can inquire about bundling discounts — especially if they’re homeowners. Many insurance companies offer both auto and another type of policy, like rideshare, homeowners, condo, or flood insurance policies. If you buy both insurance policies through them, you can usually save some money.[8]

Insurance CompanyAverage Monthly Quote
Safeco$111
Travelers$125
Progressive$167
Liberty Mutual$194
Midvale Home & Auto$208
Bristol West$238
CSAA$344
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.

Cheapest car insurance for senior drivers in Rochester

Safeco once again has the lowest average monthly full-coverage policy ($96) for senior Rochester drivers. Senior drivers who are enjoying their retirement years can possibly save money with senior discounts, bundling insurance policies, and driving less than the average annual miles.

Insurance CompanyAverage Monthly Quotes
Safeco$96
Travelers$99
Travelers$145
Liberty Mutual$162
Safeco$167
Midvale Home & Auto$175
Bristol West$189
Progressive$231
CSAA$251
Midvale Home & Auto$276
Bristol West$312
Liberty Mutual$376
CSAA$504
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.

How credit scores affect cheap car insurance in Rochester

In some states it’s legal to use credit scores to inform rates, and New York is one of them.[9] Certain credit behaviors can indicate if someone is likely to file an insurance claim or not, and insurance companies use this information when setting monthly premiums.[10]  

Credit score is a big factor when rates are determined, according to Garrett B. Guttenberg, J.D., executive vice president and CIO at Denis A. Miller Insurance Agency. 

“You can see a driver with the same driving history, but a lower credit score than another, pay double,” Gutenberg says. “Carriers value a client who is financially responsible, which has proven to be a safer driver and one who will pay his or her bills.”

The higher someone’s credit score is, the more they can potentially save on car insurance. While all credit score rankings can vary slightly depending the scoring model — FICO or VantageScore — FICO uses the following tiers:[11]

  • Poor: 300 to 579

  • Fair: 580 to 669

  • Good: 670 to 739

  • Very good: 740 to 800

  • Exceptional: 800 to 850 

If you want to get an idea of how credit scores can impact average monthly rates for full-coverage policies in Rochester, you can review the below table.

Credit TierAverage Monthly Quote
Excellent$168
Good$226
Fair$263
Poor$259
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.

Learn More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Rochester

Drivers who avoid speeding tickets and at-fault accidents tend to access lower car insurance rates than drivers with speeding tickets and accidents on their records. 

Please note that negative differences in a table don’t necessarily mean that a particular insurance company lowers their monthly rates for drivers with that type of infraction on their driving records. It may simply mean that our sample size was small or insurers may choose not to not offer policies to drivers with that infraction. Your actual rate can vary on multiple other factors than your driving record.

Cheapest car insurance with an accident in Rochester: Kemper

Having an at-fault accident on your record can cause your insurance rates to increase. While Kemper offers one of the lowest car insurance quotes for drivers with a clean record, it also offers the lowest quote for drivers with an accident, at $101 a month on average. Even with an accident on your driving record, you should shop around for the lowest quotes possible with multiple insurers to find the one with the right coverage and price for your needs.

Car Insurance CompanyClean RecordWith AccidentDifference
Kemper $98$101+$3
Nationwide$95$121+$26
Travelers$114$138+$24
Safeco$111$139+$28
Plymouth Rock$166$160-$6
Liberty Mutual$249$315+$66
Midvale Home & Auto$196$323+$127
Bristol West$235$324+$89
Progressive$187$346+$159
CSAA$370$391+$21
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.

Cheapest car insurance with a speeding ticket in Rochester: Midvale Home & Auto

Insurify data shows that after a speeding ticket on your record, rates can jump at least $50 a month for average monthly quotes. But Midvale Home & Auto offers the cheapest car insurance quotes in Rochester, New York, for drivers with speeding tickets, at $280 a month on average.

CompanyClean RecordWith Speeding TicketDifference
Midvale Home & Auto$196$280+$84
Liberty Mutual$249$308+$59
Bristol West$235$317+$82
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.

Car insurance in other New York cities

New York is a big state with numerous regions, cities and neighborhoods, so it’s no surprise that insurance rates can vary widely, depending on where you live in the Empire State. Take a look at car insurance rates in other New York cities:

Find local Rochester agents

  • Lawley-Andolina-Verdi, LLC 

    30 North Union Street,
    Rochester, NY 14607
  • InsuranceTrak Services 

    4515 Culver Rd #206,
    Rochester, NY 14622
  • Paris-Kirwan Assoc. Inc. 

    255 East Avenue,
    Rochester, NY 14604
  • Charles H Tuke Agency, Inc. 

    3385 Brighton Henrietta Town Line Road,
    Rochester, NY 14623
  • Kristina M. Trovato Corporation 

    1880 E Ridge Rd Ste 6B,
    Rochester, NY 14622-2450
  • Vetter Insurance Agency, LLC 

    1598 Penfield Rd Ste 2,
    Rochester, NY 14625-2251
  • Akropolis Agency Inc 

    1922 Chili Ave,
    Rochester, NY 14624-3251
  • Jerome M. Marks Agency LLC 

    120 Corporate Woods Ste 260,
    Rochester, NY 14623-1464
  • Butler Insurance Services, Inc. 

    3565 Latta Rd,
    Rochester, NY 14612-2854
  • Tompkins Insurance Agencies, Inc. (Rochester) 

    3252 Chili Ave,
    Rochester, NY 14624-5402
View more

Rochester car insurance rates FAQs

Here are answers to some commonly asked questions about car insurance in Rochester, New York.

  • The average monthly cost of minimum-coverage car insurance in Rochester is $176, but the rates you’re offered can vary significantly due to a variety of different factors such as your age, ZIP code, driving record, and the type of car you drive.[4]

  • Rochester has the cheapest car insurance rates on average in New York. Average rates for full-coverage car insurance in Rochester are $203, while New York City’s is $380, Albany’s is $243, and Syracuse is $227, according to Insurify data.

  • The average monthly cost for car insurance minimum-coverage car insurance in Rochester is $176, which is much less than the average cost throughout the state. The average monthly rate for minimum-coverage car insurance in New York state is $569.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. U.S. Census Bureau. "U.S. Census Bureau QuickFacts: Rochester city, New York." Accessed December 19, 2022
  2. U.S. Census Bureau. "U.S. Census Bureau QuickFacts: New York city, New York." Accessed December 19, 2022
  3. III. "How to find the right auto insurance." Accessed December 19, 2022
  4. III. "What determines the price of an auto insurance policy?." Accessed December 19, 2022
  5. New York State Insurance Requirements. "New York DMV." Accessed December 19, 2022
  6. Monroe County. "DMV Office Info, Locations & Hours." Accessed December 19, 2022
  7. III. "Nine ways to lower your auto insurance costs." Accessed December 19, 2022
  8. III. "How to save money on car insurance." Accessed December 19, 2022
  9. Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?." Accessed December 19, 2022
  10. NAIC. "Credit-Based Insurance Scores." Accessed December 19, 2022
  11. Experian. "What Is a Good Credit Score?." Accessed December 19, 2022
Jacqueline DeMarco
Written by
Jacqueline DeMarco
Linkedin

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.