Table of contents
How much is car insurance in Rochester?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Rochester is about $89 cheaper than it is in the rest of New York.
On the flip side, Rochester residents should prepare to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Rochester is about $29 more expensive than the national average.
Bear in mind that while these rates represent the expected monthly payments for Rochester drivers, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've broken down average rates for Rochester to help you understand what your policy's monthly premium will cost. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in Rochester.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for insurance coverage, Rochester actually bucks this trend. While female drivers pay $123 per month for car insurance, males only pay about $99.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Rochester, a driving record with a single accident will usually get you a rate around $106 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $101 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$82|
|15 Years or Older||$103|
In terms of affordable coverage, the cheapest vehicles to insure in Rochester are by and large SUVs, trucks, and vans, at $97 per month.
Car owners, meanwhile, pay on average $113 a month for auto insurance.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Rochester, for example, 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)||$114|
On average, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Rochester, the difference in rates based on relationship status can be as much as $37 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$97|
Another factor that comes into play is your housing situation. In Rochester, homeowners can expect to pay around $24 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Rochester, NY
Recent trends in car insurance for Rochester drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Rochester, the rates for car insurance rose from 2016-2017, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $98.
How does Rochester compare to neighboring areas?
Why are car insurance rates in Rochester different from other areas?
Car insurance companies will take into account many factors when they're deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Rate of car accidents
- Off-street parking access
- Area laws
- Rate of crime
- Total amount of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
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 by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Rochester.
Rochester Insurance FAQs
What factors affect car insurance quotes in Rochester?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Rochester different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Rochester?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Rochester?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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.