On average your neighbors pay $103 a month.
Rochester, New York, is favorably located within driving distance to Ontario, New York City, and Niagara Falls. It also provides both residents and tourists a slew of great attractions. Among them: like the Lilac Festival, the National Susan B. Anthony Museum & House, and the second-largest children's museum in the country.
With all that Rochester has to offer, cheap car insurance rates should be one of them.
How much is car insurance in Rochester, NY? Residents shouldn't be surprised to hear car insurance costs more in Rochester than it does in many other parts of the US. Average insurance rates in New York are a bit higher than the national average. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.
Prices may vary depending on your driving record and zip code.
|Total Cost Per Year||$1,234.84|
|Price Per Month||$102.90|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.
QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Rochester, New York and save up to 40% on your premium.
Last year, 8,761 people used QuoteWizard to compare car insurance quotes in Rochester, NY from multiple companies.
This is our list of the most common car insurance companies reported by QuoteWizard users living in Rochester, New York last year. Of those 8,761 users, 286 were uninsured.
Other popular Rochester, New York car insurance companies: 21st Century, USAA, Erie, Hartford, Safeco, AIG, Amica, and American Family.
These are the most common car makes and models owned by Rochester, NY drivers requesting quotes through QuoteWizard last year.
Rochester, New York has a minimum coverage requirement known as the 25/50/10 rule, which means each policy must include at least the following three components:
The policy must be in the name of the vehicle's registered owner and the coverage must remain in effect as long as the registration is valid even if you don't use the vehicle.
Allstate Insurance recently published a report ranking cities by how safe their drivers are or are not. Rochester drivers ranked 126th of 200 cities.
While most US drivers go ten years between car accidents, drivers here are involved in them every 8.2 years.
Some factors that influence insurance rates are the weather and road conditions.
Summers in Rochester are nice and warm. People who call the city home enjoy as many as 165 days with at least partial sunshine annually. The also see quite a bit of rain. In fact, they usually experience around 161 days some amount of precipitation each year. Snow is common too, with the city receiving about 86 inches of it in an average winter.
According to a recent study by TRIP, 29% of the major roads in and around Rochester are in poor or mediocre condition. Another 31% are in fair condition. These poorly maintained streets cost drivers $314 a year in extra vehicle operating costs.
According to traffic data provider Inrix, Rochester ranked 51st for yearly traffic delay. The city’s commuters were delayed an extra 39 hours last year, costing them 20 gallons of gas and about $889 each.
Some of the moving violations that will give you a bad driving record and higher rates:
Rochester Police Department issued 28,661 traffic tickets in 2013. That was a 15% decrease from the 33,887 citations issued in 2012.
By the way, the State of New York DMV website:
Rochester PD arrested 676 drivers for suspicion of DWI in 2013. This is a 14% increase from the 592 drunk driving arrests the year before.
A DWI conviction will require you to obtain an SR-22 form. To get the lowest rate for the most expensive type of coverage, get a quote and compare rates from top companies that specialize in Rochester DWI insurance.
Rochester officials reported 4,949 car crashes in 2016 resulting in 2,382 injuries.
Rochester reported 15 motor vehicle crashes in 2016 resulting in 16 fatalities. This works out to a fatality rate of 7.18 per 100,000 residents. All traffic deaths are tragic, but given Rochester's estimated population of 208,880, this is a safe US city in terms of fatalities.
Rochester reported 735 motor vehicle thefts in 2016. This is a rate of 3.50 per 1,000 residents--well above the national average of 2.20 per 1,000.
Are you looking to lower your rates by finding more affordable car insurance coverage? These are some of the many auto insurance discounts available to drivers in Rochester, NY.
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