Cheap Auto Insurance in Rochester, New York (2025)
CSAA offers the cheapest rates for Rochester drivers, with minimum coverage starting at $57 per month.
Seguro. Gratis. Fácil de usar.
Еxcelente
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Escrito porA.M. Steinbach
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A.M. SteinbachEscritor de seguros
Mark Steinbach es un escritor en Brooklyn, NY. Además de su experiencia como redactor publicitario, también es en escritor de televisión con un título de inglés de la Universidad de Harvard. Cuando no está escribiendo, se encuentra jugando tenis o haciendo crucigramas.
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Editado porKatie Powers
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Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.
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Datos revisados porKonstantin Halachev
)
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Actualizado el
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Tabla de contenidos
Rochester drivers pay an average of $282 per month for full-coverage car insurance, which is lower than the New York state average of $455 per month, and significantly less than the national average of $197.
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.
Datos Breves
CSAA, Liberty Mutual, and Progressive 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.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| CSAA | 7.6 | $165 | $101 | Cheap rates |
| Safeco | 8.3 | $184 | $162 | Classic car owners |
| Erie | 9.0 | $499 | $324 | Teen drivers |
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Insurify utiliza un método interno y patentado para calificar y revisar las mejores compañías de seguros de auto. El puntaje de calidad de Insurify (IQ) utiliza más de 15 criterios cruciales para calcular nuestra calificación final de una empresa incluyendo: el promedio de las primas, la satisfacción del cliente, los descuentos ofrecidos, las calificaciones de terceros y más. Los criterios se ponderan según su importancia para el consumidor. Factores como las opiniones de los clientes y la asequibilidad influyen en la puntuación más que la disponibilidad y las valoraciones de terceros. Con nuestra puntuación IQ, Insurify puede proporcionar calificaciones cuantitativas a los conductores para que puedan comparar mejor las compañías de seguros de auto y tomar decisiones informadas para satisfacer sus necesidades de cobertura.
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. | 7.6 /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. | $57/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. | $93/mo |
4.5
Best choiceBased on 1,881 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 (575)
Darryl
March 24, 2025
Verified Review
California Dreaming
Insurance in California is expensive. It's frustrating because my record is flawless. Yet, at 63, my rates with them aren't much better than those of a risky driver.
Latisha
March 24, 2025
Verified Review
Withholding Information
They are not transparent.
Rene
March 23, 2025
Verified Review
No Comments
Well, when it comes to vehicle insurance, I'm not sure about them. I don't trust them. I did like AAA, but there are other reasons why I'm leaving.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.75A.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 aaa (exceptional) to c (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.
Ventajas
Lowest rates for Buffalo drivers
Discounts for automatic bill pay, claims-free, and more
Contras
Only sells to AAA members
Little information about coverage options on website
Best insurer for classic car owners: Safeco
| 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. | 8.3 /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. | $102/mo |
4.5
Best choiceBased on 803 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 (451)
Joseph
March 19, 2025
Verified Review
Average
My policy went up five times even though I had no accidents or violations.
John
March 18, 2025
Verified Review
Terrible
They doubled my price even though I haven't had a claim in 25 years.
Jason
March 16, 2025
Verified Review
Great Insurance, But Not for Those on a Budget
It's a great insurance company, it just got too expensive for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.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 aaa (exceptional) to c (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).
Ventajas
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Contras
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. | 9.0 /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. | $183/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. | $274/mo |
4.0
Best choiceBased on 293 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 (156)
Harold
March 21, 2025
Verified Review
Erie Works For Me!
I have a good relationship with them!
Helen
March 21, 2025
Verified Review
Excellent
Erie excels in all aspects of their service and coverage.
Donna
March 20, 2025
Verified Review
Brokers are not the way to go…find a company who values your needs
I’m not sure if it's Erie Insurance or the Insurance Company representing them that's the issue. At the insurance company, you seem to get bounced around with no knowledge of what's going on. They or Erie seem to feel they can make changes within your policies without your knowledge. Your premiums increase every year without a claim, but when your bill goes up 38 3/4% ($600.00) without a claim, even though they have gone up steadily every year, it’s time to go. When you call in, they say it is beyond their control and blame it on everyone else. Then instead of trying to help you, they try to sell you more! When you tell them that will make your premium higher, then they want you to up your deductible to lower your bill. When you tell them you only want to insure your home for what it's worth, they insist they have to insure it for what it would cost to replace it. I’m not replacing it! You never hear from them until you get your next year's bill in the mail and are expected to just pay it. When I first got my policies, I was told I was being directed to an agent that could help me. I thought this was my agent! I found out 8 years later that this person was just in customer service who set up my policies! I could have done that myself online! When I asked who was my agent, I had never met or heard her name before. My premiums were paying someone’s paycheck that I never knew or heard of or more importantly never met or knew me. An agent is supposed to have an interest in a client and work in their best interest (this obviously is not the case). Is this why so many things are written into policies that do not even pertain to or are needed by some clients? We end up paying for things in policies that do not even involve us! When I was tossed to the owner's son because I wasn’t happy with the rate increase, he was arrogant and the one trying to sell me more or increase my deductibles which still would not bring the price down to where it needed to be. So they lost that policy completely. Insurance is meant to be for comfort knowing you have it in case of a fire or disaster. Not for a claim because you had a shingle blow off your roof. Hire someone & get it fixed! You never hear from them until you get your next year's bills in the mail and are expected to just pay it. Insurance is out of control! You should be able to get a policy written for exactly what you want and need. I don’t want to buy a package with a bunch of things in it that I don’t want or need because it has one thing in it that I want and they say it is the only way it is sold. Get people in the insurance business who are willing to work for the clients in order to get them exactly what their needs are. Yes, I am finding lower premiums on auto insurance as well (which they told me recently I would not be able to do).
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.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 aaa (exceptional) to c (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).
Ventajas
Excellent BBB, J.D. Power, and AM Best ratings
Competitive rates for teenagers and drivers with speeding tickets
Contras
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: CSAA
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 $152 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: jueves, 13 de marzo, 12:00 p.m. GMT-7.
Datos revisados por Konstantin Halachev
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $57 |
| Liberty Mutual | $68 |
| Progressive | $136 |
| Erie | $183 |
| USAA | $190 |
| Bristol West | $251 |
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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 $282 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: jueves, 13 de marzo, 12:00 p.m. GMT-7.
Datos revisados por Konstantin Halachev
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $93 |
| Safeco | $102 |
| Liberty Mutual | $162 |
| Progressive | $204 |
| Erie | $274 |
| USAA | $285 |
| Bristol West | $302 |
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Las tarifas más baratas encontradas recientemente en New York
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $101/mes para solo responsabilidad y $165/mes para cobertura total en New York.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 25 de marzo de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 25 de marzo de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 25 de marzo de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 25 de marzo de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
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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Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Cheapest car insurance for drivers with a speeding ticket: CSAA
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 $322 monthly for full coverage and $173 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: jueves, 13 de marzo, 12:00 p.m. GMT-7.
Datos revisados por Konstantin Halachev
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Insurance Company | Clean Record | With Ticket |
|---|---|---|
| CSAA | $57 | $68 |
| Liberty Mutual | $68 | $86 |
| Progressive | $136 | $160 |
| Erie | $183 | $224 |
| USAA | $190 | $223 |
| Bristol West | $251 | $299 |
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for drivers with an at-fault accident: CSAA
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 $329 per month for full coverage and $177 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: jueves, 13 de marzo, 12:00 p.m. GMT-7.
Datos revisados por Konstantin Halachev
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Insurance Company | Clean Record | With Accident |
|---|---|---|
| CSAA | $57 | $73 |
| Liberty Mutual | $68 | $88 |
| Progressive | $136 | $170 |
| Erie | $183 | $233 |
| USAA | $190 | $232 |
| Bristol West | $251 | $307 |
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for drivers with a DUI: CSAA
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 $178 per month and full coverage to $331. 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: jueves, 13 de marzo, 12:00 p.m. GMT-7.
Datos revisados por Konstantin Halachev
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Insurance Company | Clean Record | With DUI |
|---|---|---|
| CSAA | $57 | $80 |
| Liberty Mutual | $68 | $95 |
| Progressive | $136 | $190 |
| Erie | $183 | $256 |
| USAA | $190 | $266 |
| Bristol West | $251 | $351 |
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for Rochester seniors: CSAA
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 $306 for full coverage and $165 for minimum coverage. Here are the cheapest insurance companies for older drivers in Rochester.
The below rates are estimated rates current as of: jueves, 13 de marzo, 12:00 p.m. GMT-7.
Datos revisados por Konstantin Halachev
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| CSAA | $83 | $51 |
| Liberty Mutual | $155 | $65 |
| Progressive | $172 | $114 |
| Erie | $248 | $166 |
| USAA | $263 | $176 |
| Bristol West | $281 | $234 |
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for Rochester teens: CSAA
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 $508 per month for full coverage and $165 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: jueves, 13 de marzo, 12:00 p.m. GMT-7.
Datos revisados por Konstantin Halachev
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| CSAA | $154 | $95 |
| Liberty Mutual | $285 | $120 |
| Progressive | $370 | $246 |
| Erie | $485 | $324 |
| USAA | $504 | $336 |
| Bristol West | $529 | $440 |
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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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, $282 per month for full-coverage car insurance, and $152 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 | $324 | $321 |
| New York | $547 | $504 |
| Staten Island | $422 | $345 |
| Syracuse | $355 | $319 |
| Yonkers | $494 | $429 |
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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 $282 per month for full coverage and $152 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 9.0 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?
CSAA has the cheapest car insurance rates for Rochester drivers. Its liability-only policies start at $57 per month. The city's second- and third-cheapest insurers, Liberty Mutual and Progressive, also offer affordable rates. Liberty Mutual's minimum-coverage policies start at $68 monthly, while Progressive's begin around $136 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.
Metodología
Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.
El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.
Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.
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. SteinbachEscritor de seguros
Mark Steinbach es un escritor en Brooklyn, NY. Además de su experiencia como redactor publicitario, también es en escritor de televisión con un título de inglés de la Universidad de Harvard. Cuando no está escribiendo, se encuentra jugando tenis o haciendo crucigramas.
Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.