Compare Rochester, NY Car Insurance Rates (2021)

Car insurance in Rochester, NY averages $285 a month. Rochester, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Rochester car insurance rates, compare quotes from the top car insurance companies in Rochester, NY.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Rochester for teen drivers is GEICO
  • The cheapest car insurance company in Rochester is GEICO
  • Average car insurance rates in Rochester, NY are $3,424/year

If you need to buy Rochester, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Rochester, NY is right here.

You’ll find Rochester car insurance rates, the cheapest Rochester, NY car insurance companies, and information on New York car insurance laws. You can also compare Rochester, New York car insurance rates to Yonkers car insurance rates, Buffalo car insurance rates, and Albany car insurance rates.

Ready to find affordable Rochester, NY car insurance today? Enter your ZIP code for fast, free Rochester car insurance quotes.

Cheapest Rochester, NY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Rochester, NY car insurance rates? Every Rochester, New York car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Rochester, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,732 $2,556 $2,582 $2,623 $8,236 $8,873 $2,653 $2,658
GEICO $1,266 $1,222 $1,236 $1,218 $2,707 $4,004 $1,139 $1,177
Liberty Mutual $3,591 $3,591 $3,346 $3,346 $7,005 $11,356 $3,591 $3,810
Nationwide $2,521 $2,521 $2,377 $2,377 $4,564 $6,819 $2,521 $3,231
Progressive $1,703 $1,591 $1,371 $1,387 $6,005 $6,711 $2,220 $2,168
State Farm $2,566 $2,566 $2,245 $2,245 $7,678 $9,851 $2,831 $2,978
Travelers $2,430 $2,441 $2,251 $2,402 $5,885 $7,078 $2,583 $2,680
USAA $1,420 $1,391 $1,297 $1,290 $5,789 $6,867 $1,804 $1,984

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Rochester, NY

Every driver must carry the minimum car insurance in Rochester, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in Rochester, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Rochester, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Rochester, NY. Compare credit history car insurance rates in Rochester from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Rochester, New York

Insurance Company Poor Fair Good
Allstate $5,927 $3,451 $2,965
GEICO $2,188 $1,607 $1,443
Liberty Mutual $6,924 $4,536 $3,404
Nationwide $3,366 $3,366 $3,366
Progressive $4,537 $2,386 $1,761
State Farm $5,820 $3,647 $2,893
Travelers $4,773 $3,015 $2,617
USAA $4,163 $2,135 $1,893

Cheapest Rochester, NY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Rochester, NY to rates for a clean record with top companies.

Annual Rochester, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,462 $3,462 $5,126 $4,406
GEICO $1,361 $1,484 $2,777 $1,361
Liberty Mutual $3,955 $3,955 $7,953 $3,955
Nationwide $2,563 $2,563 $5,715 $2,622
Progressive $2,815 $2,815 $3,115 $2,832
State Farm $3,918 $3,918 $4,322 $4,322
Travelers $2,942 $3,713 $3,767 $3,453
USAA $2,416 $2,456 $3,593 $2,456

Cheapest Rochester, NY Car Insurance for Teen Drivers

Teen car insurance in Rochester, NY can be expensive. Take a look at rates from the top car insurance companies in Rochester for teenagers.

Annual Car Insurance Rates for Teen Drivers in Rochester, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,236 $8,873
GEICO $2,707 $4,004
Liberty Mutual $7,005 $11,356
Nationwide $4,564 $6,819
Progressive $6,005 $6,711
State Farm $7,678 $9,851
Travelers $5,885 $7,078
USAA $5,789 $6,867

Cheapest Rochester, NY Car Insurance for Seniors

Take a look at Rochester, NY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Rochester, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,582 $2,623
GEICO $1,236 $1,218
Liberty Mutual $3,346 $3,346
Nationwide $2,377 $2,377
Progressive $1,371 $1,387
State Farm $2,245 $2,245
Travelers $2,251 $2,402
USAA $1,297 $1,290

Cheapest Rochester, NY Car Insurance Rates After a DUI

A DUI in Rochester, NY increases car insurance rates. Compare Rochester, New York DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Rochester, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,126
GEICO $2,777
Liberty Mutual $7,953
Nationwide $5,715
Progressive $3,115
State Farm $4,322
Travelers $3,767
USAA $3,593

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Rochester, NY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Rochester, NY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Rochester, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,058 $4,171
GEICO $1,694 $1,798
Liberty Mutual $4,816 $5,093
Nationwide $3,366 $3,366
Progressive $2,895 $2,895
State Farm $3,972 $4,268
Travelers $3,469 $3,469
USAA $2,703 $2,757

Cheapest Rochester, NY Car Insurance Rates by ZIP Code

Rochester car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Rochester, NY.

Annual Car Insurance Rates by ZIP Code in Rochester, New York

ZIP Code Average Annual Rates
14604 $3,646
14605 $3,704
14606 $3,234
14607 $3,191
14608 $3,683
14609 $3,326
14610 $3,145
14611 $3,777
14612 $3,150
14613 $3,656
14614 $3,614
14615 $3,153
14616 $3,118
14617 $3,148
14618 $3,112
14619 $3,752
14620 $3,202
14621 $3,829
14622 $3,151
14623 $3,296
14624 $3,139
14625 $3,092
14626 $3,110
14627 $3,663

The Best Cheap Car Insurance Companies in Rochester, NY

Take a look at a side-by-side comparison of the top car insurance companies in Rochester, NY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Rochester, New York

Insurance Company Average Annual Rates
Allstate $4,114
GEICO $1,746
Liberty Mutual $4,955
Nationwide $3,366
Progressive $2,895
State Farm $4,120
Travelers $3,469
USAA $2,730

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Rochester, New York

Find the cheapest car insurance companies in Rochester, NY for each category right here.

Best Annual Car Insurance Rates by Company in Rochester, New York

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

Cheapest Rochester, NY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Rochester car insurance rates. Find the cheapest Rochester, NY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Rochester, New York

Insurance Company Low Medium High
Allstate $3,851 $4,098 $4,393
GEICO $1,659 $1,745 $1,833
Liberty Mutual $4,744 $4,939 $5,181
Nationwide $3,178 $3,344 $3,576
Progressive $2,757 $2,885 $3,041
State Farm $3,894 $4,147 $4,320
Travelers $3,274 $3,434 $3,699
USAA $2,646 $2,717 $2,828

What affects car insurance rates in Rochester, New York?

What factors can have an impact on Rochester, NY car insurance? There are several reasons why Rochester car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Rochester, New York.

Commute Time in Rochester

The more time you spend in your car the higher the risk of an accident. The average commute length in Rochester, NY is 16.0 minutes according to City-Data.

Traffic in Rochester

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Rochester, NY traffic data from INRIX ranks Rochester as the 252nd-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Rochester, NY

Ready to find affordable Rochester, New York car insurance today? Enter your ZIP code for fast, free Rochester, NY car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption