Rochester, NY Auto Insurance | Cheap Car Insurance in Rochester, NY

Cheap car insurance in Rochester, NY can easily be found if you have good credit and a good driving record. Average Rochester, NY car insurance rates are around $98/mo. Are you ready to buy Rochester, NY auto insurance? Learn more about Rochester, NY car insurance now.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Can't-Miss Facts

  • Average auto insurance rates in New York State are around $98 per month.
  • Amica and Central Mutual tend to offer the lowest auto insurance rates in Rochester, NY.
  • Along with liability coverage, uninsured motorist coverage is also required in New York.

In the market for cheap car insurance in Rochester, NY? We understand shopping for auto insurance rates can be time-consuming. Read our guide to learn everything you need to know about Rochester, NY auto insurance.

If you are ready to find affordable Rochester, NY car insurance, read on for information on cheap auto insurance in Rochester, NY, and easily compare car insurance quotes by using our comparison tool. If you’re not yet ready to buy Rochester, NY car insurance, keep reading.

Auto Insurance Coverage Requirements in New York

Driving legally in Rochester requires:

New York Auto Insurance Coverage Requirements
Auto Insurance CoverageNY Coverage RequirementsMost Common Coverage Amounts in NY
Bodily Injury Liability25,000/50,000100,000/300,000
Property Damage Liability10,00050,000
Uninsured Motorist Bodily Injury25,000/50,00025,000/50,000
Medical PaymentsNot required100,000
CollisionNot required500 deductible
ComprehensiveNot required500 deductible
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Don’t be put off by the fact that uninsured motorist 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’re involved in an accident with one.

Who has the cheapest car insurance in NY? Well, 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. So, there is cheap auto insurance in Rochester, NY.

How much is car insurance in Rochester, NY, exactly? This can depend on a number of factors, but we’ve included some average premium rates in the chart below. If you want to know how to lower premiums, the most important factor is keeping your driving record clean.

Rochester, NY Average Monthly Auto Insurance RatesLegend: Rochester Amica Allstate Central Mutual State Farm Nationwide 1020304050607080$37$56$39$64$84


Between Amica, Allstate, and Central Mutual, the average driver will be hard-pressed to find a cheaper deal. However, keep in mind that some drivers, such as teenagers and those with poor credit scores, might not find the best deals with a major, mainstream company.

Major companies in Detroit include The General Car Insurance, Geico, Progressive, Esurance, and more. Mazzola Insurance in Rochester, NY is a local company.

What is the least expensive auto insurance? Well, 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’re still getting the cheapest premium, check cheap Rochester auto insurance prices over the internet.

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Major Auto 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 depending on where you live. In general, highly populated cities have higher auto insurance rates, as the additional number of drivers on the road increases the chance of a collision. The total population of Rochester is 210,358 and the median household income is $30,158.

New York Average Monthly Auto Insurance Rates by CityLegend: Buffalo New York Rochester Syracuse Yonkers Amica Allstate Central Mutual State Farm Nationwide 306090120150180210240270$59$125$37$42$67$64$102$56$50$57$70$135$39$41$70$136$186$64$62$85$134$281$84$100$170


Automotive Accidents

If your particular ZIP code has a high rate of serious accidents each year, your provider might automatically raise your rates to offset the future cost of expensive claims. The statistics for Rochester are displayed above.

Talk to your agent about safe driver discounts. If you qualify, you could save money on your premium.

Fatal Vehicle Accidents in Rochester, NYLegend: Rochester Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 24681012141618914310194


Auto Thefts in Rochester

Vehicle theft is a serious problem, particularly in densely populated areas. If your location and/or vehicle model place you at a greater risk for theft, you could have problems acquiring low-cost car insurance.

The number of stolen vehicles in Rochester was 609 in 2013. 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.

Rochester, NY Average Monthly Basic vs. Comprehensive Auto Insurance RatesLegend: Basic Coverage Comprehensive Coverage Amica Allstate Liberty Mutual State Farm Nationwide 306090120150180210240270$37$81$56$107$39$94$64$117$84$275


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). This is the same for major companies like Progressive car insurance in Rochester, NY.

Rochester, NY Average Monthly Auto Insurance Rates by Credit ScoreLegend: Excellent Credit Poor Credit Amica Allstate Central Mutual State Farm Nationwide 153045607590105120$37$57$49$124$37$69$52$123$84$84


Your Age

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’re a teenage driver, try looking into good student discounts, as well as driver’s ed and defensive driving course discounts.

Rochester, NY Average Monthly Auto Insurance Rates by AgeLegend: 34 Year Old 17 Year Old Amica Allstate Central Mutual State Farm Nationwide 306090120150180210240270$37$240$56$219$39$116$64$213$84$296

For cheap car insurance quotes in Rochester, NY, fill out your information in the quote box below.

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Your Driving Record

The more tickets, citations, and violations you have on your driving record, the higher your monthly premium 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.

Rochester, NY Average Monthly Auto Insurance Rates by Driving HistoryLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Amica Allstate Central Mutual State Farm Nationwide 102030405060708090100$37$51$109$37$56$66$74$56$39$39Do Not Sell$39$64$71$71$64$84$93$107$84


Your Vehicle

As this chart shows, there’s 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.

Rochester, NY Average Monthly Auto Insurance Rates by VehicleLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Amica Allstate Central Mutual State Farm Nationwide 255075100125150175200225$37$112$56$119$39$127$64$146$84$230

Minor Auto 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 is bundling discounts. If you bundle your insurance policy with your spouse’s, and/or with your homeowners policy, you can get some pretty substantial discounts.

Your Gender

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 higher rates. However, if your provider charges different rates based on gender, the disparity is probably no more than two or three percent.

Your Driving Distance to Work

The average commuter in Rochester spends about 20 minutes driving to work. About 71 percent drive their own car and 24 percent carpool. Five percent will either take the bus or walk.

Some companies will ask you a few questions about your driving habits. 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 four percent 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 percent higher premiums than personal vehicles.

For rates based on commute distance in Rochester, NY, check out the chart below.

Rochester, NY Average Annual Auto Insurance Rates by Commute
CompaniesAvearge Annual Rates for
10 Miles Commute
6000 Annual Mileage
Avearge Annual Rates for
25 Miles Commute
12000 Annual Mileage
Average Annual Rates
Geico$1694.21 $1797.83 $1746.02
USAA $2703.41 $2757.28 $2730.35
Progressive $2894.55 $2894.55 $2894.55
Nationwide $3366.08 $3366.08 $3366.08
Travelers $3468.76 $3468.76 $3468.76
State Farm $3972.27 $4267.92 $4120.10
Allstate $4057.99 $4170.52 $4114.26
Liberty Mutual $4816.30 $5092.81$4954.56
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As you can see, Progressive and USAA offer some of the lowest rates based on your driving distance to work.

Your Coverage and Deductibles

Naturally, the more insurance coverage you purchase, the higher your monthly premium will be. However, you can purchase the coverage you need and keep your monthly rates relatively low by raising your deductible.

Watch this short video from Allstate for more on insurance deductibles.

You will have higher out-of-pocket expenses in the event of a claim, so make sure to set some money aside in case you need to file a claim.

Education in Rochester, NY

Nearly an equal number of residents have either completed their high school education or are just shy of it — 28 percent to 27 percent, 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 located in 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 insurance agencies, an easy search on the internet can reveal a great many of their business secrets. But even with the help of the best information, it can still be challenging to understand your own risk profile and get the cheapest insurance. Make sure you perform your due diligence before you commit to your automobile insurance policy.

How We Conducted Our Auto Insurance Analysis

*We calculated our average rates 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 rates were also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

If you’re wondering what city has the cheapest car insurance in New York, it can depend on a number of things, including the amount of traffic, car accidents, car thefts, and more.

Easily find affordable auto insurance in Rochester, NY without spending hours searching for “cheap car insurance near me.” For Rochester, NY car insurance quotes, fill out our FREE quote box below and easily compare rates. Find the best Rochester, NY car insurance company now.

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