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Cheap Auto Insurance Quotes in Rochester, NY (June 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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.

Car Insurance in Rochester, NY

The average cost of New York car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Rochester, NY to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Rochester is $170 per month, or $2040 annually.
  • Car insurance in Rochester is $56 less than the average cost of car insurance in New York.
  • The cheapest car insurance provider in Rochester on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

GEICO
$58
Progressive
$98
Liberty Mutual
$180

Cheapest Car Insurance in Rochester, NY

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in RochesterQuotes
GEICO$58 /mo
Progressive$98 /mo
Liberty Mutual$180 /mo

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Best Car Insurance in Rochester, NY

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Rochester. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
American Family89$260 /mo
Liberty Mutual82$225 /mo
Travelers80$143 /mo

Average Car Insurance Cost

New York Cities
New York$321/mo
Brooklyn$417/mo
Staten Island$186/mo
Buffalo$151/mo
Rochester$112/mo
New York$237/mo
Rochester
$112
Buffalo
$151
Staten Island
$186
Average for NY
$237
Average for NY
$321
Brooklyn
$417
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in New York

All motor vehicles operated or parked on New York roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in New York[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New York is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $50,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

  • $25,000 per person for uninsured/underinsured motorist bodily injury
  • $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In New York, this coverage is for bodily injury resulting from accidents with either type of driver.

Rochester Car Insurance Rates by Driver Age

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.

Driver's AgeAvg. Monthly Cost
teens$412
20s$206
30s$163
40s$219
50s$155
60s$133
70s$139
80sN/A

Rochester Car Insurance Rates by Driving and Accident History

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.

Driving HistoryAvg. Monthly Cost
No Violation$187
Speeding Ticket$261
At-Fault Accident$206
Failure to Stop for Red Light / Stop Sign$291

Rochester Car Insurance Rates by Credit Tier

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.

Credit TierAvg. Monthly Cost
Excellent$129
Good$182
Average$204
Poor$248

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, NY DMV Information

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.

Public Transportation in Rochester, NY

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.

How to get the best and cheapest car insurance in Rochester, NY

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.

FAQs - Rochester, NY Car Insurance

  • New York is a no-fault state where insurance fraud is common. When people cheat the system, the cost gets passed along to all drivers. Another way of saying this is that insurers charge an increased premium in cities with higher risk.
  • If you want to minimize your monthly cost, get the state minimum insurance. It's the least amount of protection New York allows. If you're financing your vehicle, you may also need comprehensive and collision coverage. In that case, to reduce your bill, raise your deductibles to the most you can afford out of pocket if an accident happens.
  • Car insurance premiums differ by city, company, and driver. If you're looking for rock-bottom rates tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and find the coverage you deserve at a price you can afford.

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Methodology

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.

Insurify Insights

How Rochester Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Rochester, New York below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Rochester drivers measure up to their fellow motorists across New York in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in Rochester

#7

City with the Most Speeding Tickets Rank in New York

#30

City with the Most Moving Violations Rank in New York

#4

City with the Most DUIs Rank in New York

#10

City with the Most Suspended Licenses in New York

  • 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.

    • Rank within state: #7
    • Percent of drivers in Rochester with an accident: 11.56%
    • Drivers in Rochester, NY with an accident in their driving history pay on average 30.11% more than drivers with a clean record
  • 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.

    • Rank within state: #7
    • Percent of drivers in Rochester with a speeding ticket: 7.14%
    • Drivers in Rochester, NY with a speeding ticket in their driving history pay on average 18.82% more than drivers with a clean record
  • 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.

    • Rank within state: #4
    • Percent of drivers in Rochester with a DUI: 2.02%
    • Drivers in Rochester, NY with a DUI in their driving history pay on average 8.6% more than drivers with a clean record
  • 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.

    • Rank within state: #5
    • Percent of drivers in Rochester with a reckless driving violation: 2.07%
    • Drivers in Rochester, NY with a reckless driving violation in their driving history pay on average 19.89% more than drivers with a clean record.
  • 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.

    • Rank within state: #12
    • Percent of drivers in Rochester with clean record: 81.94%
  • 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.

    • Rank within state: #6
    • Percent of drivers in Rochester with a failure to yield violation: 0.39%
    • Drivers in Rochester, NY with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • 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.

    • Rank within state: #4
    • Percent of drivers in Rochester with a reckless driving offense: 0.05%
  • 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 Nissan Altima.

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. New York Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022