Buy Cheap Rochester, NY Auto Insurance

The average annual auto insurance rates in Rochester, NY are around $3,424 ($239/mo). The cheapest auto insurance company in Rochester, NY is GEICO, although rates will vary for each person. Rochester, NY auto insurance must meet the state minimum requirements with coverage levels of 25/50/10 for liability and property damage.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • The average annual auto insurance rate for Rochester, NY is $3,424
  • The cheapest auto insurance company in Rochester, NY is GEICO, and the second cheapest is USAA
  • Rochester, NY rates are affected by the traffic that is shared with Syracuse as well as Buffalo
  • The average commute time for Rochester is 17.7 min

Rochester, NY average annual auto insurance rates are well above the state average. They are about $100 lower than Syracuse rates and about $1,200 cheaper than Buffalo rates.

You can save on Rochester, New York, auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on how to buy auto insurance in Rochester, New York, for every age, credit history, and driving record.

Ready to find affordable Rochester, NY auto insurance rates? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Rochester, NY?

The cheapest Rochester, NY auto insurance company, based on average rates, is GEICO.

The top auto insurance companies in Rochester, NY, ranked from cheapest to most expensive are:

  • GEICO—$1,746
  • USAA—$2,730
  • Progressive—$2,895
  • Nationwide—$3,366
  • Travelers—$3,469
  • Allstate—$4,114
  • State Farm—$4,120
  • Liberty Mutual—$4,955

There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

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What auto insurance coverage is required in Rochester, NY?

All Rochester drivers have to meet the New York state law minimum requirements to buy auto insurance.

In New York, you have to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

What affects auto insurance rates in Rochester, NY?

Rochester is the ninth-largest city in New York and a little over an hour drive from Syracuse and Buffalo. Let’s take a look at how Rochester auto insurance rates compare to other cities in New York.

Brooklyn, NY— $9,347 (most expensive)
Syracuse, NY— $3,519
Rochester, NY — $3,424
Buffalo, NY— $4,603
Corning, NY— $2,730 (cheapest)

INRIX ranks Buffalo as the 57th-most congested city in the U.S. Rochester is west of Syracuse and east Buffalo, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Rochester is 17.7 minutes.

Car theft in Rochester also affects rates. The FBI’s most recent annual statistics list Rochester with 616 auto thefts in a city population of 208,591. That’s a rate of 295 cars stolen per 100,000 population.

Rochester, NY Auto Insurance: The Bottom Line

Rochester has slightly above-average auto insurance rates compared to other cities of its size in New York, but you can still save by shopping around and comparing.

Before you buy auto insurance in Rochester, NY, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Rochester, NY auto insurance quotes.

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