Rochester, NY Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Rochester.
How much does car insurance cost in Rochester?
The typical Rochester driver pays $648 every six months for car insurance. That's less expensive than the average across New York ($852) and less expensive than the national average of $774. 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, and other factors in Rochester. Read on for more information.
| Car insurance in Rochester vs. New York | Average 6 Mo. Premium |
|---|---|
| Rochester average | $648 |
| New York average | $852 |
The Zebra's key takeaways about car insurance in Rochester:
- The average cost of a car insurance policy in Rochester is $648 per six-month policy — $108 per month.
- The cheapest company in Rochester is GEICO ($524).
- 33% of Zebra customers in Rochester stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
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 car insurance quotes based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $524 |
| NYCM Insurance | $587 |
| Progressive | $652 |
| State Farm | $842 |
| Allstate | $878 |
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Rochester.
Rochester car insurance premiums by age
Our data tells us that drivers between the ages of 20-29 make up 38% of Rochester drivers. Rochester drivers in their 50s pay relatively affordable car insurance rates just $606 each six months, on average. Rates for Rochester drivers in their 60s are also relatively affordable, at just $625.
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.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $2,054 |
| 20s | $860 |
| 30s | $643 |
| 40s | $631 |
| 50s | $606 |
| 60s | $625 |
| 70s | $721 |
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 $769 decrease in six-month car insurance rates. Our data tells us 38% of drivers in Rochester have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,560 |
| Fair | $791 |
| Good | $648 |
| Very Good | $598 |
| Exceptional | $551 |
Rochester car insurance costs by violation
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.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,005 |
| Reckless Driving | $964 |
| At-fault Accident (damages < $1,000) | $666 |
| At-fault Accident (damages > $2,000) | $874 |
| Speeding Ticket (16-20 mph over speed limit) | $789 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.