Best Cheap Auto Insurance in Rochester, NY (2021)
The average annual auto insurance rates in Rochester, NY are around $3,424. The cheapest auto insurance company in Rochester, NY is GEICO, although rates will vary for each person. Rochester, NY auto insurance must meet the state minimum requirements with coverage levels of 25/50/10 for liability and property damage.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jul 16, 2021
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- The average annual auto insurance rate for Rochester, NY is $3,424
- The cheapest auto insurance company in Rochester, NY is GEICO, and the second cheapest is USAA
- Rochester, NY rates are affected by the traffic that is shared with Syracuse as well as Buffalo
- The average commute time for Rochester is 17.7 min
Rochester, NY average annual auto insurance rates are well above the state average. They are about $100 lower than Syracuse rates and about $1,200 cheaper than Buffalo rates.
You can save on Rochester, New York, auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap auto insurance in Rochester, New York for every age, credit history, and driving record.
Ready to find affordable Rochester, NY auto insurance quotes? Enter your ZIP code above to get started.
Table of Contents
Monthly Rochester, NY Car Insurance Rates by ZIP Code
ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Rochester, NY auto insurance rates by ZIP Code below:
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Rochester, NY Car Insurance Rates vs. Top US Metro Car Insurance Rates
What city you reside in will impact your car insurance. That’s why it’s essential to compare Rochester, NY against other top US metro areas’ auto insurance costs.
What is the cheapest auto insurance company in Rochester, NY?
The cheapest auto insurance company in Rochester, based on average rates, is GEICO.
The cheapest Rochester, NY car insurance providers can be found below. You also might be wondering, “How do those Rochester, NY rates compare against the average New York car insurance company rates?” We uncover that too.
The top auto insurance companies in Rochester, NY, ranked from cheapest to most expensive are:
- GEICO—$1,746
- USAA—$2,730
- Progressive—$2,895
- Nationwide—$3,366
- Travelers—$3,469
- Allstate—$4,114
- State Farm—$4,120
- Liberty Mutual—$4,955
There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.
Rochester, NY car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.
Your coverage level will play a major role in your Rochester, NY car insurance costs. Find the cheapest Rochester, New York car insurance costs by coverage level below:
Your coverage level will play a major role in your Rochester, NY car insurance costs. Find the cheapest Rochester, New York car insurance costs by coverage level below:
Your driving record will affect your Rochester, NY car insurance costs. For example, a Rochester, New York DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Rochester, NY car insurance costs by driving record.
Controlling these risk factors will ensure you have the cheapest Rochester, New York car insurance. Factors affecting car insurance rates in Rochester, NY may include your commute, coverage level, tickets, DUIs, and credit.
Age is a significant factor for Rochester, NY car insurance rates. Young drivers are often considered high-risk. This Rochester, New York does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Rochester, NY.
What auto insurance coverage is required in Rochester, NY?
All Rochester drivers have to meet the New York state law minimum requirements to buy auto insurance.
In New York, you have to carry at least:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $10,000 per incident for property damage
It’s recommended that most drivers carry more than the state minimum.
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What affects auto insurance rates in Rochester, NY?
Rochester is the ninth-largest city in New York and a little over an hour drive from Syracuse and Buffalo. Let’s take a look at how Rochester auto insurance rates compare to other cities in New York.
Brooklyn, NY— $9,347 (most expensive)
Syracuse, NY— $3,519
Rochester, NY — $3,424
Buffalo, NY— $4,603
Corning, NY— $2,730 (cheapest)
INRIX ranks Buffalo as the 57th-most congested city in the U.S. Rochester is west of Syracuse and east Buffalo, so traffic heading to a larger city can affect auto insurance rates.
City-Data reports an average commute time for Rochester is 17.7 minutes.
Car theft in Rochester also affects rates. The FBI’s most recent annual statistics list Rochester with 616 auto thefts in a city population of 208,591. That’s a rate of 295 cars stolen per 100,000 population.
Rochester, NY Auto Insurance: The Bottom Line
Rochester has slightly above-average auto insurance rates compared to other cities of its size in New York, but you can still save by shopping around and comparing.
Before you buy auto insurance in Rochester, NY, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Rochester, NY auto insurance quotes.
