Best Auto Insurance Rates in Rochester, New York

On average your neighbors pay $103 a month.

Compare Auto Insurance in Rochester

Wednesday, November 14 2018 By Shantae Young

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.

Average Rochester Car Insurance Rates

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.

New York Average Annual Car Insurance Rates
Coverage Rates
Liability $804.51
Collision $385.02
Comprehensive $171.12
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.

New York average car insurance rates

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.

Best Car Insurance Companies in Rochester, NY

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.

  1. GEICO
  2. Progressive
  3. Allstate
  4. Liberty Mutual
  5. Nationwide
  6. Farmers
  7. State Farm
  8. Esurance
  9. Travelers
  10. MetLife

Other popular Rochester, New York car insurance companies: 21st Century, USAA, Erie, Hartford, Safeco, AIG, Amica, and American Family.

Top 10 Vehicles

These are the most common car makes and models owned by Rochester, NY drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord LX/EX
  2. Chevrolet Impala/LS/LT
  3. Honda Civic LX/EX
  4. Chevrolet Malibu/LS
  5. Chevrolet Equinox LS
  6. Ford F150
  7. Honda CR-V EX
  8. Chevrolet Blazer
  9. Hyundai Sonata GLS
  10. Chevrolet Cavalier

Minimum Car Insurance Requirements in Rochester, NY

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:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount insurance companies will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your provider will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your insurer will pay for property damage caused by a car accident.

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.

Rochester Drivers

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.

Driving Conditions

Some factors that influence insurance rates are the weather and road conditions.

Weather

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.

Road Conditions

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.

Traffic Congestion

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.

Moving Violations

Some of the moving violations that will give you a bad driving record and higher rates:

  • Speeding tickets
  • Running red lights
  • Accidents
  • Drunk driving

Traffic Tickets

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:

  • Allows you to pay non-criminal traffic citations
  • Tells drivers how to request a hearing to contest a ticket
  • Provides helpful traffic court information

DWI Arrests

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.

SR-22 DWI Insurance

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.

Car Accident Statistics

Rochester officials reported 4,949 car crashes in 2016 resulting in 2,382 injuries.

Traffic Fatalities

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.

Vehicle Theft

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.

Car Insurance Discounts

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.

  1. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  2. Enroll in a defensive driving course at an accredited driving school
  3. Are you married or getting married soon? Make sure you ask about the married discount
  4. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  5. Students that maintain at least a B grade point average can qualify for the good student discount
  6. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts

Sources:

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