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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: narawon/Getty Images December 30, 2021 Cynthia Widmayer is an insurance contributor for Bankrate and has over two years of experience as a personal finance writer. She covers home, car and life insurance products for Bankrate, The Simple Dollar and Coverage.com among others. Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information. Bankrate logo

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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo

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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo

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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Traffic in Rochester is lighter than many other parts of , making the city a low-risk zone for car insurance companies. On average, motorists in Rochester pay $729 for minimum and $1,568 for full coverage auto insurance annually, but this rate may be higher depending upon your individual demographics. If you are looking for the cheapest car insurance in Rochester without compromising quality, there are several options in this city to take your pick from. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT

Rates increased up to 12% this year

Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More

Best car insurance companies in Rochester

There is no dearth of insurance companies in Rochester, but not all of them feature at the top. We compared 2021 average rate data, J.D. Power & Associates customer satisfaction scores, coverage options, online tools, policy accessibility and discounts. Insurance company
(New York) Average annual premium for minimum coverage Average annual premium for full coverage Geico 837 / 1000 $489 $1,291 USAA 884 / 1000 $659 $1,472 MetLife 832 / 1000 $810 $1,714 State Farm 851 / 1000 $990 $1,890

Geico

If you want only the basic coverage at a pocket-friendly price in Rochester, Geico is one of the top companies. With a suite of online tools, stellar customer service and low prices, Geico is not only one of the most affordable insurers but also one of the best-rated in the country. Aside from minimum, collision and comprehensive coverages, you also get add-ons such as rideshare insurance and mechanical breakdown insurance. Discounts may be available for owning a new vehicle, being a good student, insuring multiple vehicles with Geico and being on emergency military deployment. Learn more:

USAA

When you are part of the military, USAA is often the most preferred provider for car insurance. Combining low prices with superior customer service, USAA offers all the basic and extended coverage options, including roadside assistance, rental coverage, glass coverage, GAP insurance, and car replacement coverage. Being a member of the USAA also comes with the choice of several discounts on car insurance. Some of these are for taking a defensive driving course, bundling policies, owning a vehicle less than three years old, and having a low annual mileage. USAA has consistently ranked at the top for excellent service and affordable pricing and for perks that make life easy for military families. Learn more:

MetLife

For both minimum and comprehensive coverage within your budget from long-standing insurance coverage, MetLife is a good choice. Rochester motorists have the option of customizing a policy according to their requirements with endorsements such as total loss replacement coverage, new car replacement coverage, rental reimbursement, identity theft protection, and special parts replacement coverage. There are also several discounts to help you save more, including safe driver discounts, policy bundling discounts, and price cuts for some employers and affiliate groups. You also get round-the-clock claims support, mobile apps and local representatives for assistance. Learn more:

State Farm

For a winning combination of smart digital tools, a network of 19,000 local agents and a large number of savings options, State Farm is ideal. The company offers both basic and full coverages, including endorsements such as rental reimbursement, emergency breakdown service, travel expenses, and rideshare insurance. There are app-based savings programs for safe drivers and teen drivers, and discounts are also available for combining multiple policies and insuring more than one vehicle. The highly-rated State Farm mobile app makes it easy to file a claim, contact local agents, request roadside assistance and make payments. Learn more:

Cheapest car insurance in Rochester

Not all insurance companies offer the cheapest price, and it can sometimes be hard to find the right balance between quality coverage and affordability. Car insurance in Rochester on average costs $729 for basic and $1,568 for full coverage. In comparison, the of car insurance is $565 and $1,674 for minimum and full coverage respectively. Although there is an abundance of insurance companies in Rochester, the following providers are some of the cheapest. Insurance company Average annual premium for minimum coverage Average annual premium for full coverage Main Street America Group $252 $636 Utica National $395 $3,023 Preferred Mutual $443 $1,354 Progressive $491 $815 Erie $571 $1,173 One of the lesser-known companies, Main Street America Group has the cheapest rates in Rochester, with full coverage priced at only $636 on average annually. The company has excellent financial strength and offers three different coverage packages with endorsements such as standard accidental airbag deployment, roadside assistance, and personal clothing coverage. Another stable and well-rated company offering some of the lowest rates in Rochester is Utica National. Aside from minimum and full coverage options, you also get several discounts for maximum savings, including safety features discount, multi-vehicle discount and company car discount. Regional insurer Preferred Mutual is present in only four states, including New York, but do not let its small scale deter you. Some of the cheapest prices are offered by this provider, and although there are not many add-ons, you do get to save with various discounts. The team of local agents is available for assistance and personalized service. The more popular names on this list are Progressive and Erie, both offering excellent customer service, customized coverages, and some of the cheapest premiums in Rochester.

Rochester insurance requirements

Car insurance is mandated by law in all of New York, including Rochester. Because New York is a no-fault state, motorists are required to carry certain additional coverages aside from the basic insurance. Rochester’s includes: $25,000 in bodily injury coverage per person and $50,000 per accident $10,000 in property damage coverage in any one accident $50,000 in personal injury protection If your vehicle has been financed, your lender may require you to have collision and comprehensive coverages as well, for protection against crashes, theft, vandalism, and weather damage. When your vehicle is new and expensive and you plan to sell it in the near future, a full coverage policy is often the wise choice.

Car insurance discounts in Rochester

Insurance can be often expensive, depending on your demographics and the coverage you choose. The good news is that most insurers offer discounts to eligible customers, and by availing of them you can save a few hundred dollars a year. Although certain discounts vary from one provider to another, the most common ones are the same across all companies. These may include: Policy bundling: A discount offered by many companies, policy bundling involves purchasing more than one policy from the same insurer for a discounted premium. Multi vehicle: When you insure more than one vehicle with the same company, you may often get a price reduction on your annual cost. Safety features: When your vehicle is equipped with advanced safety mechanisms to prevent collisions and theft, you could earn a certain percent off your premium. New car: Some insurers offer a discount to those with a car that is brand new or under three years old. Paid in full: Paying your annual premium in full at the start of the policy is often rewarded by some insurers with a small discount.

Frequently asked questions

What is the best car insurance company

There is a multitude of car insurance providers across the country but the often depends on personal needs and preferences. Because insurance is personal and highly specific to individual needs, it is recommended that you compare cost, coverage, and customer service to pick the one that fits your requirements.

How much does car insurance in Rochester cost

On average, Rochester’s annual car insurance cost is $729 for minimum and $1,568 for a full coverage policy. The rate may be higher or lower depending upon personal demographics.

How much car insurance do I need in Rochester

The minimum required coverage mandated by law in the state of New York is 25/50/10, and additional no-fault coverage of $50,000. However, you may need a full coverage policy if the basic coverage does not offer you enough protection financially or if your vehicle has been financed.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually. These are sample rates and should be used for comparative purposes only. Your quotes may be different. SHARE: Cynthia Widmayer is an insurance contributor for Bankrate and has over two years of experience as a personal finance writer. She covers home, car and life insurance products for Bankrate, The Simple Dollar and Coverage.com among others. Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information.

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