Rochester, NY Car Insurance

In Rochester, the average monthly cost for full coverage car insurance is $127. Rates range from an affordable $132 to a steep $2,847, depending on the policy details, vehicle type, and driver information. To help drivers understand what they might pay, the table below shows the average car insurance costs for various driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Rochester, the average car insurance costs are $1,530 for full coverage and $860 for state minimum coverage per year. These rates are lower than the New York state averages, where full coverage is $2,154 and minimum coverage is $1,199 annually.

While premiums may be rising across the Empire State, you can still find affordable car insurance in Rochester. Kemper offers the cheapest minimum coverage at $29 per month. For full coverage, Kemper again provides the best rate at $51 per month.

Kemper often offers the most affordable car insurance, but rates vary for each driver. To find the cheapest insurance, get quotes from multiple providers. Below is a table showing the cheapest car insurance rates for various driver profiles.

Car insurance costs vary by company, so compare Rochester rates for the best deal. Find the most affordable minimum coverage and full coverage options below.

Kemper offers the cheapest minimum coverage auto insurance at $29 per month. Progressive follows with a rate of $33 monthly. See the breakdown of the cheapest options in the table below.

Kemper offers the cheapest full coverage car insurance in Rochester at $51 per month. Below is a list of other providers and their rates.

To find affordable car insurance in Rochester, we recommend getting quotes from several companies. Kemper offers the cheapest rate at $481 annually, while Chubb is the best cheap provider with a MoneyGeek score of 89. See the table below for additional options.

Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,435 per year for 40-year-olds and $1,475 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Kemper offers the cheapest overall car insurance for teens in Rochester, with full coverage costing $63 monthly. This choice saves $106 compared to the state average. The table below also highlights other affordable providers for teens in the city.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Kemper offers the best minimum coverage rate for young drivers at $33 per month, while Progressive provides the most affordable full coverage at $64 monthly. Check the table below to see which providers offer the cheapest rates for different young driver profiles.

Kemper offers the most affordable auto insurance for young drivers at $49 per month. The table below shows other companies with competitive rates:

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Kemper and Progressive provide the cheapest car insurance options in the city. However, your rate will depend on factors like your driving history and credit score. The table below shows the cheapest providers for different driver and coverage profiles. It may help you find a better fit.

Kemper offers the cheapest monthly premium for seniors at $41 when considering both minimum and full coverage. Progressive follows as the second most affordable option at $44 per month. The table below shows options of the top car insurance providers for seniors in Rochester.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

When looking at all combinations of high-risk driver profiles in Rochester, insurance rates for both minimum and full coverage are lower than the state average. Those with bad credit and DUIs tend to pay the most for car insurance. Accidents and speeding tickets usually have a smaller effect on rates.

Progressive offers the cheapest minimum coverage for drivers with a DUI at $419 per year in Rochester. It also provides the cheapest full coverage policy at $685 annually. Check out the table below for more options on low-cost coverage.

*Rates are for a 40-year-old driver with good credit and a DUI.

Progressive, Kemper, and Erie are the top three cheapest car insurance providers for drivers with an at-fault accident in Rochester. Explore cheapest auto insurance after an at-fault accident for more options. The table below shows different providers in the area offering affordable coverage.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Kemper is the cheapest car insurance provider for drivers with a speeding ticket, offering state minimum coverage at $33 and full coverage at $62 in Rochester. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

*Rates are for a 40-year-old driver with good credit and a speeding ticket.

Kemper offers the most affordable rates for drivers with bad credit, with $52 for minimum coverage and $119 for full coverage. See the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

Each city in New York follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $50,000 personal injury protection (PIP) per person
• $50,000 death liability per person
• $100,000 death liability per accident

For example, if you're in an accident, your minimum coverage will help pay for injuries and damages up to these amounts. This ensures you're protected against unexpected costs.

Kemper leads with the cheapest car insurance in Rochester for both minimum and full coverage. No matter your age or credit, you'll find affordable options to suit your wallet. Make sure your choice covers New York's insurance must-haves: bodily injury, property damage, and uninsured motorist protection. By comparing, you secure rates that are kind to your budget and meet the Empire State's legal standards.

This section provides quick answers to common questions about finding the cheapest and best car insurance options in Rochester.

MoneyGeek conducted an analysis of Rochester auto insurance prices using data from the New York State Department of Financial Services and Quadrant Information Services.

Rochester Driver Profile

To assess the best and most affordable auto insurance options for Rochester residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Rochester

In assessing the car insurance quotes for Rochester, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to New York's mandated liability insurance parameters:

The minimum coverage requirements in New York are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $10,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $50,000 personal injury protection (PIP) per person
• $50,000 death liability per person
• $100,000 death liability per accident

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among New York providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Rochester
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Rochester.

For more details on the methodology used in this analysis, see MoneyGeek's methodology.