Cheap Auto Insurance Quotes in Rochester, NY (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Rochester, NY

Here are the cheapest carriers in Rochester for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Rochester. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Rochester, NY Driving Facts

Minimum Car Insurance Requirements in NY

The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in New York are:

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

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits New York state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liablilty insurance requirements in New York are: 

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of New York requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The second 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

  • $50,000 personal injury protection (PIP) per person per accident

New York is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is a mandatory coverage for all drivers. New York PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state requires $50,000 for the minimum.

What happens if a driver hits you without insurance or enough insurance to pay for your damages? The state requires uninsured motorist coverage and underinsured motorist coverage:

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

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

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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
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 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.

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

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Rochester stacks up for the state of New York:

honda
Honda Civic
Most Popular Car in
Rochester, NY
suspended licenses
#2
Cities with Most
Suspended Licenses Rank

FAQs - Rochester, NY Car Insurance

Why is car insurance so expensive in Rochester?

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.

How can I get the cheapest car insurance in Rochester?

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.

Who offers the cheapest car insurance in Rochester?

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.