UPDATED: Mar 13, 2020
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Cheap Car Insurance in Rochester, NY
In the market for cheap auto insurance in Rochester, NY? At AutoInsuranceEZ.com, you could find the most affordable insurance policy within your town. To get free car insurance estimates from the major providers right away, input your zipcode into the quote box here on this page.
Rochester is the 3rd largest city in New York and was once home to George Eastman and the Kodak camera. Its nickname is “the Flower City” on account of its many parks, beautiful gardens, and agricultural nurseries. The two highest performing economic sectors in Rochester are the telecommunications and high technology industries.
- Fun fact: can you tell where that guy is from? Because Rochester is #57 on the list of “Top 100 most racially diverse cities (pop. 50,000+)”. Read up on Rochester by visiting here.
Auto Insurance Coverage Requirements in New York
Driving legally in Rochester requires:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||10,000||50,000|
|Uninsured Motorist Bodily Injury||25,000/50,000||25,000/50,000|
|Medical Payments||Not required||100,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||500 deductible|
Don’t be put off by the fact that Uninsured Coverage is required in New York State. After all, there are probably more uninsured motorists in New York than there are in most other states, and this coverage protects you in the event that you are involved in an accident with one.
In most parts of New York State, the average monthly rate to stay insured can be as high as $98 or more, depending on where you live. Thankfully, Rochester drivers can lower that down to around $56/mo* or less – if they know how and where to look.
Between Amica, Allstate, and Central Mutual, the average driver will be hard-pressed to find a cheaper deal. However, keep in mind that motorists who fall under special circumstances, such as a poor credit score or a student driver, might not find the best deals with a major, mainstream company.
New York auto insurance providers consider many factors when figuring out insurance quotes, particularly driving experience, where you live, occupation, education, and current insurance coverage and limits. Also keep in mind that premiums might vary from business to business. To find out if you are still getting the cheapest premium, check cheap Rochester auto insurance prices over the internet.
Major Car Insurance Factors in Rochester
There are numerous ways in which your car insurance rate can be determined. But not all of it is out of your control; there are steps you can take in order to impact what discounts you are entitled to receive. The following are a few of these factors in greater detail:
Your Zip Code
Your car insurance rates could vary according to the spot where you live. In general, highly populated urban centers possess greater auto insurance rates as the additional number of drivers on the road raises the chance of a collision! The total population of Rochester amounts to 210,358 plus the usual household income is $30,158.
If your particular zip code experiences a high rate of serious accidents each year, your provider might automatically raise rates to offset the future cost of expensive claims. The statistics for Rochester are displayed above. Talk to your agent about Safe Driver discounts which you might qualify for to help lower your monthly rate.
Auto Thefts in Rochester
Vehicle theft is a serious problem, particularly in densely populated locations. If your locale and/or vehicle model place you at a greater risk for theft, you could have problems acquiring low-cost car insurance. The full number of stolen vehicles in 2013 was 609 in Rochester. Since auto theft rates are on the decline, now might be a good time to discuss altering your Comprehensive coverage deductible with your insurance provider.
Your Credit Score
Your credit score plays a significant role in what you get charged monthly for your vehicle insurance. As this chart clearly demonstrates, having a poor credit score can almost double – or even triple – what you pay each month to remain insured (unless you stick with Nationwide, that is).
Statistically speaking, young and inexperienced drivers are the most likely to get into an accident. That’s why older drivers get charged lower monthly rates – because the insurance company is not taking on a huge financial risk by insuring them. If you are a young teenage driver, try looking into good student discounts, as well as Drivers Ed and defensive driving courses.
Your Driving Record
The more tickets, citations, and violations you have on your driving record, the higher your monthly premiums will be. Furthermore, if you have some serious mistakes on your record, such as a DUI, your insurance company may refuse to cover you at all. Some companies may be willing to forgive a minor ticket or two if you qualify for “Accident Forgiveness” discounts, though.
As this chart shows, there is a significant difference between insuring a regular sedan and a fancy sports car. A good chunk of that price increase comes from the fact that a luxury automobile will require more than just basic insurance coverage.
Minor Car Insurance Factors in Rochester
The factors below can be a little harder to control, but they can also raise or lower your monthly premium:
Your Marital Status
When it comes to discounts associated with your marital status, most companies have very different opinions on whether married or single people should pay more. But one advantage that married couples have are bundling discounts. If you bundle your insurance policy with that of your spouse, or your homeowner’s insurance, you can get some pretty substantial discounts.
Our analysis of the data shows no significant difference in monthly premiums between male and female drivers. Some companies might charge women more, while others might charge men a higher rate. But even for companies who charge different prices, it usually varies by no more than 2-3%.
Your Driving Distance to Work
While 27-32 minute commutes are popular in Rochester, shorter times of 14-17 minutes are nearly equally as likely. 71% of motorists are happy to use their own automobile alone in order to get from one place to another, while as many as 24% of workers are more likely to carpool to work. 5% will either take the bus or walk.
Some companies pay lip service to your purpose for driving, as well as the miles you drive each year. However, when you analyze the data, most of these factors barely make a dent in your monthly premium – for example, there may be no more than a 4% difference between driving fewer miles for work and tens of thousands of miles for pleasure each year. However, business vehicles tend to have about 10-15% higher premiums than regular vehicles.
Your Coverage and Deductibles
Naturally, the more insurance coverage you purchase, the higher your monthly premiums will be. However, you can purchase the coverage you need and keep your monthly rate relatively low by raising your deductible. Yes, you will have higher out-of-pocket expenses in the event of a claim, but you will have lower monthly premiums as a result.
Education in Rochester, NY
Nearly equal numbers of residents have either completed their high school education or are just shy of it – 28% to 27%, respectively. But did you know that taking your education to the next level can yield impressive savings on your car insurance? Recent data shows that college graduates have been offered increasingly lower rates, even beyond those who have prestigious job titles or higher salaries.
There are two institutions for higher learning which are located directly within Rochester. These are the Colgate Rochester Crozer Divinity School and the University of Rochester. Also located nearby are SUNY Brockport and the Monroe Community College for those who want a fast-track to an associate’s degree.
Regrettably for the majority of insurance agencies, an easy search on the internet can easily reveal a great many of their business secrets. But even with the help of the best facts, it can still be challenging for anyone as an individual to understand your own risk profile and get the cheapest insurance. Make sure you perform your due diligence before you commit to your upcoming automobile insurance policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.