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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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...

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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: Mar 23, 2021

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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.

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 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.

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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.

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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