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 |
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 company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 3.7 | 4.3 | 4.2 |
| State Farm | 4.1 | 3.7 | 4.4 | 4.1 |
| Geico | 3.8 | 3.4 | 3.9 | 3.9 |
| Farmers | 3.5 | 2 | N/A | 2 |
| Liberty Mutual | 3.3 | N/A | N/A | 3.3 |
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:
- $25,000 bodily injury liability coverage per person/$50,000 per accident
- $10,000 property damage liability coverage per accident
- $25,000 uninsured motorist coverage per person/$50,000 per accident
- $50,000 of personal injury protection
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 |
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 |
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 |
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.
Cheap car insurance quotes in Rochester for popular cars
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 |
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
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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.
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.
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.
