UPDATED: Sep 11, 2020
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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:
|Auto Insurance Coverage||NY Coverage Requirements||Most Common Coverage Amounts in NY|
|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|
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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.
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. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
|Companies||Avearge Annual Rates for|
10 Miles Commute
6000 Annual Mileage
|Avearge Annual Rates for|
25 Miles Commute
12000 Annual Mileage
|Average Annual Rates|
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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.