Over 205,000 people call "Ra-Cha-Cha" home, and driving is the primary mode of transportation. In New York's fourth-largest city, traffic can be hit or miss, but you can't miss locking in the right auto insurance policy for your unique driver profile.
Only 75 percent of Rochester households own cars. A big chunk takes public transit, but there's still enough busyness buzzing on the street to make a reliable car insurance policy worthwhile in this part of the Empire State.
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The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times.
Insurance bills shrink with age (for the most part) in Roc City. Why? Young drivers carry the lion’s share of risk because their immaturity and inexperience on the road are more likely to lead to accidents and claims. Teens pay the most, at $411, while those in their 20s pay $205 in average car insurance premiums. Insurance rates even out after young adulthood—with drivers in their 60s paying the least, at $132.
|Failure to Stop for Red Light / Stop Sign||$291|
Driving violations can increase your insurance rates by as much as 56 percent in Rochester. While drivers with no infractions on their record enjoy rates as low as $186 per month, drivers who speed or cause an accident experience increased rates of $260 and $205, respectively. A failure-to-stop violation carries the strongest financial penalties. In addition to any tickets or accidents resulting from this risky behavior, motorists who ignore red lights pay an average of $290 in insurance premiums per month. Insurance companies increase rates for these high-risk drivers to recoup future losses they predict will happen due to further insurance claims.
Similar to variables like age and ZIP code, insurance companies use an individual’s insurance scores to assess and price risk. It’s true that people are touchy about their financial information. Regardless, studies have shown that the way you manage your money (not how much you have) communicates a lot to the insurance company about the amount of risk they can assign you. Studies show that people who manage their finances well tend to manage other important aspects of their lives responsibly, including driving a car. In Rochester, motorists with an average credit score pay $203 for car insurance, while premiums for those with an excellent score average out to $128.
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Rochester has four DMV spots to serve you across the city. The Henrietta, Irondequoit, and Greece locations are open Monday through Friday from 8:30 a.m. to 4:30 p.m., and Downtown is open from 9 a.m. to 5 p.m.. All sites work by appointment only, which you can make online or by phone.
Rochester has so many ways to get you from point A to point B. There's rail service provided by Louise M. Slaughter Rochester Station that goes to New York City, Niagara Falls, Toronto, Boston, and Chicago. Rochester has expressways, interstates, and loops that pump traffic through the cities like arteries. Rochester Public Transit operates the local buses. Ridesharing services such as Uber and Lyft will help you skip the bus. And you can hail a traditional taxi like Airport Taxi Rochester and Rochester Taxi. Feel like a slower pace? You can take a ferry or even cycle with Zagster bikeshare.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Rochester drivers measure up to their fellow New York motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Rochester drivers rank 7 in the number of car accidents per driver across all cities in New York.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, Rochester drivers rank 7 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Rochester drivers rank 4 in the number of DUI’s per driver across all cities in New York.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New York, Rochester drivers rank 5 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Rochester drivers rank 12 in clean driving records across all cities in New York.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Rochester drivers rank 6 in failure to yield violations per driver across all cities in New York.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New York, Rochester drivers rank 4 in the number of reckless driving offenses per driver.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Rochester is the Honda Civic.
Rochester residents should get a price that will make them smile as wide as when they order a garbage plate. Before you drive out in the cold to pick up that delicious platter, you should serve yourself a good deal on car insurance. Try Insurify to enjoy the best rates and compare dozens of insurance quotes in just a few seconds.
When over 6 percent of drivers have no insurance, not to mention the insurance fraud, having the right protection's an easy decision. Insurify and deals go together like Boss Sauce and just about anything.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.