Key Takeaways
- NYCM is the cheapest car insurance company in Rochester for all coverage amounts and driver profiles.
- Rochester drivers with a DUI pay 44% more for car insurance than they would with a clean driving record.
- Car insurance rates in Rochester are cheaper than the state averages for minimum coverage ($72 a month vs. $177) and full coverage ($134 vs. $309).
In this article
The cheapest car insurance companies in Rochester, New York
NYCM offers the most affordable car insurance for drivers in Rochester, New York, according to our most recent survey of providers.
At NYCM, Rochester drivers will find the cheapest car insurance for:
- Adult drivers with clean records
- Adult drivers with violations or accidents on their records
- Teen drivers
- Senior drivers
For minimum coverage, NYCM charges adult drivers an average monthly rate of $29. For full coverage, the average rate is $56, which is less than half the average citywide cost.
In many cases, GEICO and State Farm present solid alternatives, with rates well below average. USAA, meanwhile, has some of the city’s cheapest premiums, although those rates are reserved for former and active military members and their families.
To find the best rates no matter your age and for any amount of coverage, compare auto insurance quotes from several companies.
New York car insurance minimums
New York’s car insurance minimums include liability coverage for bodily injury and property damage. By law, drivers must carry at least:
- $25,000 for bodily injury (and $50,000 for a death) per person per accident
- $50,000 for bodily injury (and $100,000 for a death) for multiple people in an accident
- $10,000 for property damage per accident
Cheapest minimum-coverage auto insurance rates in Rochester: NYCM
NYCM has the cheapest minimum-coverage car insurance rates in Rochester, charging an average of $29 a month.
The average rate citywide — $72 per month — is nearly 150% more than that. Meanwhile, GEICO, Progressive and State Farm also offer rates below the average.
| Insurance company | Monthly rate |
|---|---|
| NYCM | $29 |
| GEICO | $58 |
| Progressive | $69 |
| State Farm | $71 |
| City average | $72 |
| Travelers | $103 |
| Allstate | $130 |
| USAA | $47 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
Minimum-coverage policies are those that only meet state-required coverages.
Typically, states — like New York — require drivers to hold liability insurance for property damage and bodily harm, although others require additional coverages for personal injury protection (PIP), uninsured motorists and more.
Get the cheapest rate for the amount of car insurance you need
Cheapest full-coverage auto insurance rates in Rochester: NYCM
NYCM has the cheapest car insurance rates for Rochester drivers who want full-coverage policies, too. The provider charges $56 per month, on average, for full coverage, meaning its rates are over two times cheaper than most other options.
For most drivers, State Farm and GEICO are the next-cheapest options for full-coverage car insurance, offering average monthly rates of $120 and $123, respectively. Citywide, full coverage costs $134 a month, on average.
| Insurance company | Monthly rate |
|---|---|
| NYCM | $56 |
| State Farm | $120 |
| GEICO | $123 |
| Progressive | $129 |
| City average | $134 |
| Travelers | $191 |
| Allstate | $232 |
| USAA | $87 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Full-coverage car insurance usually includes liability, collision and comprehensive coverages, but drivers may also add coverage for rental cars, towing costs, medical fees and more.
No state requires full coverage, but some lenders and lessors do. And it’s not a bad idea for drivers with new or especially expensive vehicles.
Cheapest car insurance for drivers with a prior incident
Drivers with an at-fault accident, speeding ticket or DUI should head to NYCM for cheap car insurance. The company has the best rates in Rochester for drivers with an incident on their record.
Cheapest for drivers with a speeding ticket: NYCM
NYCM is the top car insurance provider for those with a speeding ticket on their record. For full coverage, NYCM charges these drivers an average $56 a month.
The citywide average, meanwhile, is $151 a month — nearly three times what NYCM costs. GEICO and State Farm also offer competitive rates.
| Insurance company | Monthly rate |
|---|---|
| NYCM | $56 |
| GEICO | $129 |
| State Farm | $132 |
| USAA | $95 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: NYCM
NYCM also has the cheapest car insurance for drivers with an accident on their record. The company’s monthly rate of $56 is again just half of what most other providers charge.
In Rochester, an at-fault accident can slightly increase your car insurance costs. The average driver with an accident on their record pays $144 for full coverage — a 7% increase from the overall full-coverage average, which is $134.
| Insurance company | Monthly rate |
|---|---|
| NYCM | $56 |
| Progressive | $129 |
| GEICO | $129 |
| USAA | $95 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for drivers with a DUI: NYCM
Drivers with a DUI will find the best car insurance rate at NYCM, which charges $87 a month for full coverage.
A DUI can lead to significant increases in a driver’s monthly premium. For example, the mean cost of car insurance in Rochester is $134 a month for drivers with a clean record. For those with a DUI, it’s $193 — that’s an increase of 44%.
| Insurance company | Monthly rate |
|---|---|
| NYCM | $87 |
| State Farm | $132 |
| Progressive | $135 |
| USAA | $126 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
Compare quotes from top car insurance companies
Cheapest car insurance for senior drivers: NYCM
NYCM has the best car insurance rates for senior drivers in Rochester, charging them an average of $51 a month for full-coverage policies.
NYCM’s offerings are twice as cheap as the next-best rate, which comes from State Farm. There, senior drivers will find an average monthly premium of $107.
| Insurance company | Monthly rate |
|---|---|
| NYCM | $51 |
| State Farm | $107 |
| Progressive | $111 |
| GEICO | $127 |
| City average | $130 |
| Travelers | $190 |
| Allstate | $245 |
| USAA | $79 |
| Rates are for full-coverage car insurance for a 60-year-old male with a clean driving record. | |
Cheapest car insurance for young drivers: NYCM
NYCM has the cheapest car insurance for teenage drivers in Rochester. For minimum coverage, the provider charges an average of $47 a month. For full coverage, it charges $102.
Those rates are low, especially considering how much more most teens pay for car insurance. In Rochester, the average full-coverage policy for a young driver costs $417 a month. That’s over 200% more than the citywide average for adults, which is just $134.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| NYCM | $47 | $102 |
| GEICO | $202 | $424 |
| City average | $216 | $417 |
| Progressive | $230 | $413 |
| State Farm | $234 | $407 |
| Travelers | $290 | $562 |
| Allstate | $322 | $658 |
| USAA | $189 | $351 |
| Rates are for an 18-year-old male with a clean driving record. | ||
Car insurance laws in Rochester, New York
No-fault car insurance
New York is a no-fault car insurance state. That said, its no-fault laws only apply to bodily-injury claims. This means your own insurance will cover the first $50,000 in medical expenses if you or any of your passengers are injured in a car accident, regardless of who caused the crash. At-fault drivers are still financially responsible for damage to other vehicles and property.
Rochester car insurance FAQ
Who has the cheapest car insurance in Rochester, New York?
NYCM has the cheapest car insurance in Rochester for drivers who want state-minimum coverage, charging them an average rate of $29 a month. It also has the city’s cheapest full-coverage car insurance, charging $56 a month, on average.
What is the average cost of car insurance in Rochester?
The average cost of car insurance in Rochester is $103 a month. For minimum coverage, the average cost is $72 a month. The average cost of full coverage is $134 a month.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Rochester ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets New York’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
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