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How much is car insurance in Rochester?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $91 a month cheaper to insure your vehicle in Rochester than it is in the rest of New York.
Compared to the national average cost of auto coverage, Rochester has higher rates. Coverage in Rochester is about $27 more expensive than it is for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Rochester, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down average rates for Rochester to help you get a more accurate idea of what you'll be charged for your policy. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates climb back up in Rochester.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Rochester defies this trend. Female drivers typically pay around $23 more a month for car insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Rochester with a single accident on their record is about $107 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $105 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$102|
If you look at the first table above, the cheapest vehicles to insure in Rochester are typically trucks and vans, at $94 per month.
Car owners will see a monthly rate of about $113, while SUV owners usually pay around $97 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Rochester, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$113|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Rochester is no exception, with the difference totaling to around $35 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$97|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $24 a month more than homeowners in Rochester. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Rochester, NY
Recent trends in car insurance for Rochester drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Rochester, auto insurance rates declined from 2017-2018, before leveling out in 2019. Car insurance rates began decreasing again in 2020, and finished down in 2022, at $85.
How does Rochester compare to neighboring areas?
Why are car insurance rates in Rochester different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Total amount of drivers in the area
- Access to off-street parking
- Road Safety (total number of local car accidents)
- Regional laws
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Rochester?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Rochester.
Rochester Insurance FAQs
What factors affect car insurance quotes in Rochester?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Rochester different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Rochester?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Rochester?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Rochester or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.