Rochester, NY Car Insurance

The average cost of car insurance in Rochester is $108 per month. Read on for more information on how insurance premiums are determined.

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How much does car insurance cost in Rochester?

 

The typical Rochester driver pays $1,296 per year for car insurance. That's less expensive than the average across New York ($1,704) and less expensive than the national average of $1,548. Our guide to car insurance in Rochester — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

 
ROCHESTER AUTO INSURANCE PREMIUMS
Rochester Average (per year)New York AverageNational Average
$1,296$1,704$1,548
 
Jump to Rochester car insurance premiums by:

 

Rochester car insurance rates by company

 

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Rochester, GEICO provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Rochester below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
ROCHESTER CAR INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
GEICO$1,048
NYCM Insurance$1,175
Progressive$1,305
State Farm$1,684
Allstate$1,757
 

Read our guide to finding the best cheap auto insurance.

 

Rochester car insurance premiums by age

Rochester drivers in their 50s pay relatively affordable car insurance rates just $1,213 each year, on average. Rates for Rochester drivers in their 60s are also relatively affordable, at just $1,251 per year.

Teenage drivers pay Rochester's most expensive car insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Rochester is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Rochester is $2,388, the largest such difference between any two age groups.

 
ROCHESTER CAR INSURANCE RATES BY DRIVER AGE
Age tierAverage Annual Rate
Teenagers$4,109
20s$1,721
30s$1,287
40s$1,263
50s$1,213
60s$1,251
70s$1,443
 

Learn more about the impact of age on auto insurance rates.

 

Rochester car insurance rates by marital status and gender

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Rochester, married drivers pay $42 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Rochester, widowed drivers pay less than those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Rochester, female drivers pay $41 per year more than do male drivers for car insurance.

 
ROCHESTER CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$1,337
Male$1,296
Single$1,254
Married$1,254
Divorced$1,292
Widowed$1,292
 

Learn more about how gender and marital status have on insurance rates.

 

Rochester car insurance costs by accident and violation history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Rochester, a reckless driving citation results in an average insurance rate increase of $633 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $714 increase, and a speeding ticket triggers a $283 rate hike.

 
AVERAGE ROCHESTER INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Annual Rate
DWI/DUI$2,010
Reckless Driving$1,928
At-fault Accident (damages < $1,000)$1,333
At-fault Accident (damages > $2,000)$1,749
Speeding Ticket (16-20 mph over speed limit)$1,579
 

Learn more about citations' impact on your auto insurance rates.

 

Rochester car insurance costs by credit score

 

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Rochester drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 65% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Rochester, improving your credit to "Fair" could help you earn a $1,538 decrease in annual car insurance rates.

 
ROCHESTER AUTO INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Annual Rate
Very Poor$3,121
Fair$1,583
Good$1,296
Very Good$1,196
Exceptional$1,102
 

Learn more about the relationship between poor credit and car insurance.

 

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.