Cheapest car insurance in Rochester, New York (Nov 2024)

Written by Andrea Barrett and 2 others
Nov 21, 2024
Insurance price card

Cheapest car insurance in Rochester, New York (Nov 2024)

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

How to find the cheapest car insurance quotes in Rochester

The average cost of car insurance in Rochester is approximately $171 per month for liability-only policies, and $229 per month for full coverage. This makes Rochester’s auto insurance rates 7% more than the state average.

The easiest way to find cheap auto insurance in Rochester, New York—or any other location—is to compare quotes from multiple insurers. But with dozens of insurance providers and a considerable variation in rates, finding multiple quotes can feel overwhelming.

Rather than requesting a free quote from each provider, use the Jerry app. Jerry will help you create a profile, which will then be used to find real quotes from the top providers in your area.

Check out the table below to see some of the best rates drivers in Rochester, NY, found shopping with Jerry.

Insurance Company
Age
Zip Code
Premium (monthly)
Car
Liability Limits
Has Full Coverage
Progressive 32 14619 $62 Chevrolet Trax 1Lt State Minimum No
Progressive 38 14609 $187 Hyundai Elantra Sel State Minimum Yes
Progressive 33 14623 $70 Toyota Corolla Eco 50/100 No
Progressive 57 14612 $283 Gmc Sierra K2500 At4 100/300 Yes
Progressive 23 14608 $415 Nissan Altima 2.5 State Minimum Yes
Last Updated Nov, 2024

Best car insurance companies in Rochester

Based on Jerry’s nationwide insurance shopping survey, State Farm, GEICO, Progressive, Allstate, USAA, and Liberty Mutual are among the most popular insurers in New York.

Keep in mind that no single provider will offer the ‘best’ car insurance rates for all drivers. Car insurance quotes are tailored to your driver profile, meaning that your rates may be higher or lower than your friend’s or family’s.

The table below provides a rundown of how Rochester drivers ranked these and other major insurance companies in terms of claims handling, customer service, cost-effectiveness, and overall.

Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive4.43.74.34.2
State Farm4.13.74.44.1
Geico3.83.43.93.9
Farmers3.52N/A2
Liberty Mutual3.3N/AN/A3.3

How’d we get these scores?

Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Rochester

Rochester drivers must carry auto insurance that meets or exceeds New York’s minimum state car insurance requirements.

Although New York minimums only include liability insurance, uninsured motorist coverage, and personal injury protection (PIP), many drivers choose to purchase a full-coverage auto insurance policy that protects them against all legal and financial claims.

Cheap minimum liability insurance quotes in Rochester

New York minimum auto insurance coverage requirements include:

These minimum coverage requirements are often described as 25/50/10 coverage.

Do you need more than minimum coverage in Rochester?

Although New York’s car insurance requirements are relatively robust, Rochester drivers can still benefit from additional coverage options and higher limits.

Increasing your liability limits (at least 50/100/50, but 100/300/100 is better) can help protect your assets and future income in the event of a crash.

Similarly, a full-coverage auto insurance policy that includes collision and comprehensive insurance can also reduce the financial burden of unexpected accident costs. Combine the two, and you have a sturdy policy that can ensure you’re protected at all levels.

Cheap full coverage car insurance quotes in Rochester

New York’s minimum car insurance requirements are designed to protect drivers from potential lawsuits and out-of-pocket expenses after an accident—but they don’t include full coverage.

“Full coverage” isn’t a specific type of policy—it’s an umbrella term that refers to a car insurance policy that includes liability coverage to pay for damages (if you’re at fault) and comprehensive and collision insurance to pay for repairs to your vehicle regardless of fault.

  • Collision coverage covers your vehicle repair expenses after a collision with another vehicle or stationary object.
  • Comprehensive coverage pays for expenses after non-collision-related incidents, such as severe weather events, theft, or vandalism.

If you’re leasing or financing your vehicle, lenders will likely require you to purchase full coverage. Full coverage is also needed if you want additional coverage like towing and labor coverage to your policy.

Remember: Collision and comprehensive coverage are subject to deductibles—amounts you must pay before your insurer covers any repair costs. Increasing your deductible is an easy way to reduce your car insurance rates, but always select an amount you can afford to pay in the event of an accident.

A full-coverage auto insurance policy costs more than minimum coverage, but you may find it’s more affordable than you thought. Check out the table below for full-coverage rates Rochester drivers found using Jerry.

Average cost of car insurance in Rochester

Rochester drivers pay an average of $171 per month or $2,047 per year for minimum liability coverage. Full coverage policies average $229 per month or $2,749 per year.

Understanding these averages can help provide a general idea of your car insurance costs, but remember, these are just averages—car insurance rates are highly individualized and are influenced by several factors. These factors include age, driving history, claims record, and other demographics.

Car insurance quotes in Rochester by rating factors

Your ZIP code is just one factor insurers use when calculating your auto insurance premium. They’ll also consider:

  • Your driving record and claims history: Compared to those with a clean record, drivers with a poor driving history often pay higher than average premiums.
  • Your demographics: Several factors, from your age to your marital status and location can also change your insurance costs.
  • Your mileage: The more you drive, the more you’re at risk of being involved in an accident and, therefore, typically pay higher insurance costs.
  • The make/model of your car: Luxury cars and sports cars often have higher rates due to the increased risk of theft and vandalism, as well as expensive replacement parts.
  • Your credit score: Drivers with strong credit scores generally pay less for car insurance.

Cheap car insurance quotes in Rochester after driving violations

Your New York driving record can impact your premiums more than you think. A history of violations—even a single speeding ticket or accident—could increase your insurance rates.

Other offenses that can influence your rates include:

  • Speeding
  • DUIs
  • At fault accidents
  • Reckless driving
  • Driving without insurance
  • Driving without or with a suspended license

Cheapest car insurance in Rochester after speeding ticket

Repercussions for speeding in Rochester vary based on how much you exceeded the speed limit, but there’s one commonality regardless of your speed—a speeding ticket of any degree will almost certainly increase your insurance rate. Expect significant rate increases if you were speeding enough to snag a reckless driving conviction.

Whether you have a solo speeding ticket or several, many Rochester drivers have used Jerry to save on car insurance.

Speeding Type
Insurance Company
Premium (monthly)
Age
Zip Code
Car
Liability Limits
Has Full Coverage
Speeding Violation-Minor Progressive $643 28 14607 Toyota Corolla L 50/100 Yes
Speeding 1-5 First Acceptance $41 27 14609 Volvo S60 2.5T Fwd 15/30 No
Speeding Violation-Minor Aspire Advantage $96 24 14609 Bmw M4 15/30 No
Speeding 16-20 Bristol West $686 25 14626 Kia Forte Fe State Minimum No
Speeding 16-20 Safeco $344 39 14616 Tesla Model Y 100/300 Yes
Last Updated Nov, 2024

Cheapest car insurance in Rochester after DUI

If you’re convicted of a DUI violation in New York, you can expect steep increases to your car insurance premium—it signals to insurers that you’re a high-risk driver. While your rates will inevitably be higher after a DUI, they can vary from one insurance provider to another. Remember, some insurers may refuse coverage altogether.

Luckily, Jerry can still help you find affordable car insurance even after a DUI.

Cheapest car insurance in Rochester after an at-fault accident

Car accidents on your claim history, especially at-fault accidents, are another reason your car insurance rates will climb; the higher your risk as a policyholder, the higher the insurance premium you’ll pay.

Although New York is a no-fault state, Rochester drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. An at-fault accident on your record can result in up to 15% higher rates.

If you’ve recently had an accident added to your driving record, shopping around and comparing quotes with Jerry is a simple way to find the most affordable rates.

Accident type
Insurance Company
Premium (monthly)
Age
Zip Code
Car
Liability Limits
Has Full Coverage
At Fault With No Injury Progressive $62 32 14619 Chevrolet Trax 1Lt State Minimum No
At Fault With No Injury Progressive $70 33 14623 Toyota Corolla Eco 50/100 No
At Fault With No Injury Progressive $283 57 14612 Gmc Sierra K2500 At4 100/300 Yes
Not At Fault Progressive $218 34 14608 Ford Explorer Xlt State Minimum No
At Fault With No Injury Progressive $267 23 14624 Ford Mustang Mach-E Selec 50/100 Yes
Last Updated Nov, 2024

Cheapest car insurance in Rochester after other driving violations

Speeding tickets, DUIs, and accidents aren’t the only violations that can increase insurance rates. Any moving violations or points on your New York driver’s license can lead to higher rates.

Jerry can still help you find the cheapest insurance rates regardless of the driving violation. Check out some of the rates Jerry found for Rochester drivers after different violations:

Violation
Insurance Company
Premium (monthly)
Age
Zip Code
Car
Liability Limits
Has Full Coverage
Failure to Obey Signal Progressive $267 23 14624 Ford Mustang Mach-E Selec 50/100 Yes
Suspension Progressive $1,356 34 14612 Ford Fusion Se State Minimum Yes
Driving on Sus. License Progressive $209 25 14621 Dodge Dart Sxt State Minimum No
Driving on Sus. License Progressive $394 55 14611 Nissan Juke S State Minimum Yes
Failure to show documents Progressive $172 45 14611 Honda Cr-V Lx State Minimum No
Last Updated Nov, 2024

Cheap car insurance quotes in Rochester by age

Age significantly affects car insurance rates—the less experience you have behind the wheel, the more you can expect to pay. Drivers under 25 tend to pay some of the highest insurance rates of any age demographic, regardless of their location.

In most cases, insurance rates will start to decrease steadily after 25. Middle-aged drivers often enjoy the lowest premiums thanks to a hefty amount of driving experience, but rates tend to increase slightly as they enter their 70s.

Cheapest car insurance in Rochester for young drivers

Due to a lack of driving experience, teen drivers between 16 and 19 usually see some of the highest insurance rates in Rochester, NY. Limited experience behind the wheel leads to a higher risk of accidents, which increases auto insurance rates.

Although full coverage is more expensive, teen drivers (and new drivers in general) in Rochester should consider purchasing a policy that includes collision and comprehensive insurance for added financial protection on the road.

And until their teen car insurance rates drop, drivers should also consider sharing a policy with a household member, like a parent or legal guardian.

Cheapest car insurance in Rochester for senior drivers

Middle-aged drivers typically enjoy the lowest insurance rates, but as Rochester drivers reach their mid-70s, insurance rates climb.

These higher rates for senior drivers are generally a result of age-related factors, such as a potential decrease in vision and hearing impairments.

Luckily, Jerry can still help you save!

Cheap car insurance quotes in Rochester based on insurance history

Drivers with a long, continuous insurance history tend to see lower insurance rates than drivers who have experienced lapses in coverage or have short histories.

Good news—Jerry can help you find savings on car insurance coverage even if this is your first policy or you’ve experienced a lapse.

The make and model of your car will also influence your insurance rates. Luxury, sport, and high-performance cars tend to cost more to insure than smaller, less-expensive cars.

For example, Rochester drivers pay around $1461 a year to insure a Nissan Titan XE, but about $2991 a year to insure an Acura MDX.

Take a look at rates Jerry found for some of the most popular cars in Rochester.

Popular Car
Insurance Company
Premium (monthly)
Age
Zip Code
Liability Limits
Has Full Coverage
Subaru Outback 2.5I Premium Progressive $194 34 14619 State Minimum No
Subaru Outback 2.5I Limited Progressive $43 56 14616 50/100 Yes
Chevrolet Silverado C1500 Progressive $162 31 14613 State Minimum Yes
Subaru Outback 2.5I Limited AAA $165 40 14620 50/100 Yes
Nissan Titan Xe Bristol West $146 57 14606 State Minimum No
Last Updated Dec 5, 2024

Learn more: How to get car insurance before buying a car


How to lower car insurance costs in Rochester

1. Shop around and compare quotes

Remember, the easiest way to find cheap car insurance rates is to compare quotes from multiple providers—Jerry makes that simple. Jerry is a top insurance agency providing free, end-to-end service for car, renters, and home insurance with the help of over 100 licensed insurance agents to help you find the most affordable rate in minutes.

2. Look for car insurance discounts

Car insurance discounts are one of the simplest ways to save on your premium—but not every insurance offers the same discounts or rates.

Some of the most popular auto insurance discounts include:

  • Good driver discounts: Many insurers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period.
  • Telematics discounts: Not only can you build safe driving habits with telematics, but you can also save. The safer you drive, the more rewards you can earn.
  • Good student discounts: Full-time high school or college students who maintain a B average may qualify for a discount, helping to make teen car insurance more affordable.
  • Bundling discounts: Most insurers offer the option to bundle your homeowners and auto insurance (or auto and renters insurance) with the same company to earn a discount on both policies.

3.Increase your deductible for comprehensive and collision coverage

Raising your deductible is an easy way to reduce your monthly payments without sacrificing coverage if you have a full coverage car insurance policy. The higher your deductible, the lower your premium.

FAQ

  • How much is car insurance in Rochester?
  • What is the cheapest car insurance in Rochester?
  • What is the minimum car insurance in Rochester, New York?
  • What is the best car insurance in Rochester?
MEET OUR EXPERTS
meet-experts-thumbnail
Andrea Barrett

Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies. Beore joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.

meet-experts-thumbnail
Kianna Walpole

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

meet-experts-thumbnail
Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.