Car Insurance in Rochester
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Car Insurance in Rochester, NY
The "Lilac City on the Genesee" is home to around 210,000 people, making it the third most populous city in New York. The city sees a lot of lake-effect snow — upwards of 70 inches each winter — which means understanding car insurance costs in Rochester is an important part of getting around safely.
Driving in Rochester is the best way to experience its industrial past and the beauty of the nearby countryside, from the 1888 birthplace of Kodak to the shores of Lake Ontario. Comprehensive car coverage in Rochester is the best way to secure your peace of mind while getting around or taking in the sights.
Whether you're visiting the Lilac Festival in Highland Park, sightseeing at High Falls, or headed out for a day of exploration at the Rochester Museum & Science Center, your zip code, age, and vehicle type can affect your insurance rates. Compare car insurance quotes in Rochester to find the best deals — here's more information that will help.
How much is car insurance in Rochester, NY?
The total cost of auto insurance in Rochester can vary significantly depending on the coverage options you select. For your reference, here are the average prices for the three most commonly selected coverage types in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Rochester?
Evaluating and categorizing the insurance expenses for every possible make, model, and year of car in the city is a complex task. Nonetheless, if you are looking for newer vehicles that tend to have lower insurance premiums, here are the top 10 most economical car makes and models to consider in Rochester:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $137 |
| 2 | Honda Cr-V | $145 |
| 3 | Ford F-150 | $145 |
| 4 | Dodge Grand Caravan | $145 |
| 5 | Honda Odyssey | $148 |
| 6 | Toyota Tacoma | $149 |
| 7 | Kia Sol | $151 |
| 8 | Chevrolet Silverado | $151 |
| 9 | Toyota Rav4 | $152 |
| 10 | Kia Sedona | $152 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Minor fender benders, severe accidents, a few speeding tickets, DUI charges, or involvement in a hit-and-run all influence your insurance premiums in the city. Below, find a breakdown illustrating how insurance rates in Rochester can fluctuate based on common claims and violations, ranked from the least to the most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $152 | 0% |
| Not at-fault Accident | $158 | +4% |
| Driving with expired registration | $164 | +8% |
| Speeding Ticket | $185 | +22% |
| At-fault Accident | $211 | +39% |
| Driving with a suspended license | $222 | +46% |
| DUI | $228 | +50% |
| Hit and Run | $230 | +51% |
What car insurance discounts can I get in Rochester?
Numerous discounts are available that can reduce your insurance expenses in Rochester. You can save money by bundling multiple policies, paying the full amount upfront, opting for paperless billing, and earning discounts for loyalty renewals. Below you will find these savings options listed, organized from the most substantial to the least, to help you lower your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $133 | +$19 |
| Paid in Full | $143 | +$9 |
| Low Mileage | $143 | +$9 |
| Multi-Policy Renters | $145 | +$7 |
| Renewal discount | $148 | +$4 |
| Paperless | $151 | +$1 |
| Electronic Funds Transfer | $151 | +$1 |
| None | $152 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.