The best car insurance in Rochester, NY

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published October 27, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and how we make money.

The average cost for full coverage car insurance in Rochester is $1,516 per year. Compared to the New York state average of $2,172, Rochester drivers pay more than $600 less than other residents in the state. However, car insurance rates are different for everyone. A single speeding ticket or a collision with another vehicle on an icy road can increase your rates by hundreds.

Ready to shop car insurance?

Start calculator

Comparing policies is the easiest way to find affordable car insurance. Policygenius can help you find quotes from top companies and choose coverage that’s best for you.

Key Takeaways

  • Progressive Insurance has the lowest average rates in Rochester at $810 per year for full coverage.

  • Drivers in Rochester insured through GEICO who are arrested for a DUI can expect to pay $1,700 more per year for car insurance.

  • The minimum car insurance requirements in New York are $25,000 per person/$50,000 per incident in bodily injury liability and $10,000 in property damage liability per incident.

Cheapest car insurance companies in Rochester, NY

Even neighbors on the same street in Rochester will have different car insurance rates. This is because insurance rates are determined by many individual factors, including the car you drive, your credit score, and where you live.

That’s why it’s so important to compare rates from multiple companies before you choose coverage. Below are the cheapest car insurance rates by company in Rochester.

Company

Average cost

JD Power Rating

Progressive

$810

856

Main Street America

$853

--

GEICO

$893

871

Erie

$1,054

880

USAA

$1,063

890

Cheapest car insurance rates by ZIP code in Rochester, NY

ZIP codes are one of the biggest factors for insurance companies when it comes to calculating insurance rates. If you live in a neighborhood where car thefts are common, you’re probably going to pay more for your insurance. It just isn’t car thefts either; availability of street parking, the number of accidents and the cost of repairs in your area can all contribute to higher rates.

The table below shows the rates by ZIP code in Rochester.

ZIP code

Average cost

14604

$1,621

14605

$1,616

14606

$1,458

14607

$1,459

14608

$1,610

14609

$1,441

14610

$1,460

14611

$1,622

Choosing the right car insurance company in Rochester, NY

Choosing the right car insurance can be overwhelming. Nobody wants to overpay for car insurance, but you also want to be sure that the company you’re choosing will be around when it’s time to file a claim. It’s also important to you, as a customer, that your insurance provider won’t raise your rates for no reason.

Our insurance experts at Policygenius can help you see quotes from top companies, so you can choose the coverage that works best for you.

Car insurance rates for drivers with driving violations in Rochester, NY

With some companies, drivers who have a DUI could see their insurance rates triple, and in some states, they may be required to purchase special insurance or have their insurance canceled. Other violations can also have a big impact on your rates.

Below are the average car insurance rates for drivers in Rochester with a speeding ticket or other moving violations.

Violation

Progressive

Main Street America

GEICO

Erie

USAA

At-fault Accident

$1,342

$1,177

$1,416

$1,712

$1,425

DUI

$894

$1,140

$2,620

$2,043

$1,613

Driving with a suspended license

$1,219

$1,140

$1,857

$2,043

$1,442

Driving with an open container

$879

$1,140

$974

$2,043

$1,121

Driving with expired registration

$879

$962

$885

$1,379

$1,219

Driving without Lights

$879

$962

$974

$1,379

$1,121

Failure to show documents

$879

$962

$885

$1,379

$1,219

Failure to stop at a red light

$879

$962

$974

$1,379

$1,219

Cheapest car insurance for drivers with bad credit in Rochester, NY

Your credit score is another significant factor when it comes to establishing car insurance rates. Missed payments, charge-offs, and bankruptcies all contribute to your credit score, and too many of those can make your score lower. 

One of the best ways to improve your credit score is by paying your bills when they are due and avoiding missed payments and charge-offs if possible. Below are the cheapest car insurance rates in Rochester for drivers with bad credit.

Company

Rates for drivers with bad credit

GEICO

$1,128

Utica National

$1,442

Preferred Mutual

$1,770

USAA

$2,044

Chubb

$2,189

Ready to shop car insurance?

Start calculator

Buying car insurance in Rochester, NY

To be legally insured in New York, state law says drivers must have the following minimum liability insurance requirements:

  • $25,000 for bodily injury and $50,000 for death for a person involved in an accident

  • $50,000 for bodily injury and $100,000 for death for two or more people in an accident

  • $10,000 for property damage for a single accident

  • The insurance must be issued by a company licensed by the New York State Department of Financial Services and certified by the NY State DMV.

  • Have continuous coverage on a vehicle even if it is inoperable or not being driven.

New York is a no-fault state, which means that your insurer will pay your medical bills whether you caused the wreck or not. No-fault insurance only covers bodily injury and doesn’t pay for damage to your or another party’s damaged vehicle or personal property. 

To help protect yourself against out-of-pocket expenses associated with a wreck, there are additional coverages available:

  • Comprehensive: This protection covers damage from things like falling objects, vandalism, and fire.

  • Collision: This protection pays for repairs to your car if you hit another vehicle or collide with a stationary object.

The best way to save on insurance in Rochester is by comparing online quotes.

How to get cheap car insurance in Rochester, NY

Rochester drivers pay a lot for car insurance, but many companies offer a wide array of discounts. Here are some of the most common:

  • Bundling discount - For combining home and car insurance with the same company.

  • Safe driver discount - For drivers who maintain a good driving record and avoid filing claims

  • Good student discount - Many companies offer young drivers a discount for maintaining a B average or better

  • Military Discount - A discount for active-duty service members and their families

Discounts vary by company, so be sure and ask your provider about which ones are available.

Frequently asked questions

Who has the cheapest car insurance in Rochester?

According to our research, Progressive Insurance has the lowest rates in the city, at $810 per year. But the cheapest car insurance for one driver isn’t always the cheapest for another, so you should still compare rates.

I caused an accident. Will my rates go up?

With most companies, your insurance will go up after an at-fault accident, but many offer accident forgiveness programs that prevent your rates from going up after your first accident.

I was late on my rent a few times. Will my rates go up?

Your credit score impacts the cost of car insurance. Paying your bills on time and avoiding charge-offs could keep your rates low, while missing payments and not paying-down debt can cause your credit score to drop, meaning more expensive car insurance rates.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.