Rochester, NY Car Insurance

The Zebra
July 25, 2019

Car Insurance in Rochester

Premiums in New York State, which exceed the national average by 11%, are known for being pricey. While premiums in the city are lower, it is still important to save while insuring a vehicle in Rochester. Let’s get started on how to save on car insurance in Rochester.

  • City Average: $1,222
  • State Average: $1,582
  • National Average: $1,427

Rochester Car Insurance by Credit Rating

Average car insurance premiums in Rochester for those with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). Drivers can save approximately $500 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $2,434
  • Fair: $1,934
  • Good: $1,557
  • Very Good: $1,280
  • Exceptional: $1,100

Rochester Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Rochester is determined by numerous factors, including gender and marital status. Females have premiums that are a mere 1% more expensive than those for males. Rates between those who are widowed and those who are divorced do not deviate. Both groups of drivers pay marginally less than singles. Those who are single spend approximately 3% more per year on car insurance compared to those who are married.

  • Female: $1,240
  • Male: $1,222
  • Single: $1,222
  • Married: $1,186
  • Divorced: $1,206
  • Widowed: $1,206

Rochester Car Insurance by Accident or Violation History

By avoiding driving mishaps that can inflate the price of insurance premiums, you can not only save yourself money, but become a safer driver. Insurance rates are affected by at-fault accident history, and more specifically, by the extent of the damage that resulted from the accidents. Being at-fault in an accident with damages exceeding $2,000 costs you another 29% per year in premiums compared to an accident with damages less than $1,000. Drivers with a DUI in Rochester need to spend $654 more than the city average to insure their vehicle. Reckless driving will also push your premiums up, with average rates of $2,110!

  • DUI: $1,876
  • Reckless Driving: $2,110
  • At-fault Accident (damages less than $1000): $1,274
  • At-fault Accident (damages greater than $2000): $1,645
  • Speeding Ticket (16-20 mph over speed limit): $1,408

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Rochester Car Insurance by Age

At $1,141, drivers in their 50s have the lowest car insurance rates among any age group. However, people in their 40s ($1,177) and 60s ($1,177) aren’t paying much more. In Rochester, drivers see the greatest reduction in premiums when they hit their 20s, as they pay an average of $2,449 less after moving out of the teenage age bracket. Premiums for drivers continue to decrease through their 50s, but they can anticipate an increase when they turn 60. With car insurance payments of $4,080 on average, teenage drivers have the most expensive rates of any age group.

  • Teenagers: $4,080
  • 20s: $1,630
  • 30s: $1,215
  • 40s: $1,177
  • 50s: $1,141
  • 60s: $1,177
  • 70s: $1,313