Compare Rochester, NY Car Insurance Rates (2021)

The cheapest Rochester, NY car insurance is from GEICO. The state minimum car insurance requirements in Rochester, NY include 25/50/10 in liability, $50,00 in personal injury protection, and 25/50 for uninsured/underinsured motorist coverage. Compare Rochester, NY auto insurance rates online to find the best deal.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 20, 2021

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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.

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Here's what you need to know...

  • The cheapest car insurance company in Rochester, NY is GEICO
  • New York car insurance is much higher than the national average
  • Rochester, NY auto insurance is lower than the state average but higher than the national average

Rochester, NY car insurance is expensive but not as high as the state average. In fact, New York auto insurance, in general, is expensive and above the national average.

But you can find affordable Rochester, NY car insurance if you shop around and compare quotes from multiple companies.

Monthly Rochester, NY Car Insurance Rates by ZIP Code

Find more info about the monthly Rochester, NY car insurance rates by ZIP Code below:

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Rochester, NY Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Rochester, New York against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Rochester, NY car insurance quotes to find your best deal.

What is the cheapest car insurance company in Rochester, NY?

The cheapest car insurance company in Rochester is GEICO, although rates will be different for each driver.

The cheapest Rochester, NY auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average New York auto insurance company rates?” We cover that as well.

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The top-rated Rochester, NY car insurance companies listed from least to most expensive are:

  • GEICO – $1,746.02
  • USAA – $2,730.34
  • Progressive – $2,894.55
  • Nationwide – $3,366.08
  • Travelers – $3,468.76
  • Allstate – $4,114.25
  • State Farm – $4,120.09
  • Liberty Mutual – $4,954.56

There are many different factors that affect your car insurance rates. Your age, gender, marital status, driving record, and credit history can all be used to calculate your rates.

Your location also affects your auto insurance rates. Drivers in cities with higher traffic and crime rates will pay more. For example, New York City car insurance is higher than rates in Rochester since it is a much larger city with higher traffic and crime rates.

Rochester, New York auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Rochester, NY auto insurance rates. Find the cheapest Rochester, New York auto insurance rates by coverage level below:

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Your credit score will play a major role in your Rochester, NY auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Rochester, New York auto insurance rates by credit score below.

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Your driving record will affect your Rochester auto insurance rates. For example, a Rochester, New York DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Rochester, New York auto insurance rates by driving record.

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Factors affecting auto insurance rates in Rochester, NY may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Rochester, New York auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Rochester. New York does use gender, so check out the average monthly auto insurance rates by age and gender in Rochester, NY.

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What car insurance coverage is required in Rochester, NY?

Most states, including New York, require drivers to carry at least a minimum amount of auto insurance.

The required auto insurance for drivers in Rochester, NY is:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage
  • $50,000 in personal injury protection (PIP) coverage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

New York is a no-fault insurance state, meaning your car insurance pays for your own injuries and damages, no matter who caused the accident.

Since the minimum car insurance is not very high, drivers can consider increasing their limits. Those limits can easily be reached if you are in a major accident, leaving you liable for what is not covered.

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What affects car insurance rates in Rochester, NY?

Traffic can play a part in auto insurance rates. More traffic equals a higher chance of being in an accident.

INRIX ranks Rochester as the 138th most congested city in the U.S. Although Rochester is the fourth-largest city in New York, traffic isn’t bad.

City-Data reports that most drivers in Rochester, NY commute 25 minutes or less. Most of those drivers choose to make their commute alone.

Auto theft is another thing that can drive up auto insurance rates. However, according to the FBI, there were only 616 motor vehicle thefts in one year in Rochester, NY.

Rochester, NY Car Insurance: The Bottom Line

Rochester car insurance is expensive, but you can still find the cheapest coverage out there. Before you buy Rochester, NY car insurance, compare multiple quotes to find the coverage you need at the price you can afford.

Enter your ZIP code now to compare Rochester, NY car insurance rates.

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

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Monthly Rochester, NY Car Insurance Rates by ZIP Code
Rochester, NY Car Insurance Rates vs. Top US Metro Car Insurance Rates
Rochester, NY Car Insurance Rates by Company vs. City Average
Rochester, NY Car Insurance Rates by Company and Age
The Cheapest Rochester, NY Car Insurance Rates by Coverage Level
The Cheapest Rochester, NY Car Insurance Rates by Credit Score
The Cheapest Rochester, NY Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Rochester, NY
Average Monthly Car Insurance Rates by Age & Gender in Rochester, NY
Monthly Rochester, NY Car Insurance Rates by ZIP Code
Rochester, NY Car Insurance Rates vs. Top US Metro Car Insurance Rates
Rochester, NY Car Insurance Rates by Company vs. City Average
Rochester, NY Car Insurance Rates by Company and Age
The Cheapest Rochester, NY Car Insurance Rates by Coverage Level
The Cheapest Rochester, NY Car Insurance Rates by Credit Score
The Cheapest Rochester, NY Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Rochester, NY
Average Monthly Car Insurance Rates by Age & Gender in Rochester, NY