Compare the Cheapest Car Insurance Quotes in Rochester, NY

In Rochester, State Farm offers the cheapest full coverage and state of matter minimum car insurance policies equally well as coverage for drivers with speed tickets. however, rates can change based on coverage amounts and driver profiles. USAA is an low-cost option for military families. Balancing bum costs and high-quality military service, Travelers is the best overall insurance company in Rochester, according to MoneyGeek .iconribbon best car indemnity Rochester

2022

The Cheapest and Best Car Insurance in Rochester

The Cheapest Car Insurance Companies in Rochester

On average, the cheapest cable car indemnity providers in Rochester for a full coverage policy are :

  • State Farm: $685 per year
  • Farmers: $704 per year

USAA offers the cheapest rates overall at an modal of $ 656 annually. however, these policies are only available to military families. The most expensive in the city, Progressive offers policies at $ 1,270 per class on average. This is about twice the cost of State Farm. A full coverage policy provides arrant protection, including liability policy a well as comprehensive and collision coverage .

Cheapest Car Insurance in Rochester

Full Coverage 100/300/100

  • company 100/300/100

    per year

  • 1 .GEICO

    $713

  • 2 .Erie

    $721

  • 3 .USAA

    $731

  • 4 .Progressive

    $904

  • 5 .Allstate

    $964

  • 6 .State Farm

    $1,022

  • 7 .MetLife

    $1,035

  • 8. New York Central Mutual Fire

    $1,085

  • 9 .Nationwide

    $1,210

  • 10 .Travelers

    $1,286

  • 11 .Esurance

    $1,736

  • 12 .The General

    $2,152

For this study, MoneyGeek ’ s methodology analyzed the average car policy rates in Rochester for a sample 40-year-old male driver getting a full moon coverage policy. A full moon coverage policy includes not alone liability policy but besides has collision and comprehensive coverage. This makes it more expensive than a state minimum policy .

  • Collision Insurance: Refers to damages caused by a collision, either with another car or with a stationary object such as fences, posts, trees, etc.
  • Comprehensive Insurance: Refers to non-crash damages like natural disasters, theft, etc.

Full coverage may not be the best choice in all situations. For case, it may be fresh to reduce your coverage if you have an older cable car because you don ’ deoxythymidine monophosphate want to pay more in car indemnity premiums than what your car is actually deserving .

Compare Car Insurance Rates in Rochester

see you ‘re getting the best rate for your car indemnity. Compare quotes from the acme insurance companies. widget-location-pinInsurance Rates

Cheapest Car Insurance in Rochester for Minimum Coverage

In Rochester and elsewhere, the coverage level you choose determines how much you pay for cable car indemnity. For example, a minimal liability policy costs an average of $ 715 per year. however, a wide coverage policy with higher limits costs around $ 1,166 per year. That ’ s an average difference of about $ 451 .

Cheapest Minimum Liability Car Insurance in Rochester

submit Minimum

  • company State Minimum

    per year

  • 1 .GEICO

    $374

  • 2 .USAA

    $405

  • 3 .Erie

    $410

  • 4 .Progressive

    $535

  • 5 .State Farm

    $622

  • 6 .Allstate

    $644

  • 7 .Nationwide

    $666

  • 8. New York Central Mutual Fire

    $678

  • 9 .Travelers

    $716

  • 10 .MetLife

    $741

  • 11 .Esurance

    $1,153

  • 12 .The General

    $1,324

While a express minimum policy will help you lower your monthly costs, you could end up paying more out of air pocket if you are in an accident. In New York, drivers are required to have a 25/50/10 cable car policy indebtedness limit when they register a vehicle. This means that if you purchase this type of policy and cause an accident where the other driver needs $ 35,000 in medical bills covered, your indemnity will pay the first $ 25,000, and you ’ ll pay the remaining $ 10,000 out of your own pocket .

New York Minimum Liability Requirements

  • item description
  • Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 10,000 for property damage. A more protective degree is 100/300/100 .
  • Uninsured motorist $ 25,000 per person and $ 50,000 per incident. The minimal coverage may not be adequate if you ‘re in a serious accident .
  • personal Injury Protection $ 50,000 per person .
  • other $ 50,000 liability for death per person. $ 100,000 indebtedness for death per accident .

Cheapest Car Insurance in Rochester if You Have Driving Violations

One reason your car policy rates are expensive could be because of a drive violation. On average, these are the cheapest insurers in Rochester for diverse violation types :

  • Cheapest after a ticket: State Farm, $748 per year
  • Cheapest after an at-fault accident: State Farm, $811 per year
  • Cheapest after a DUI: State Farm, $748 per year

There are other ways that you could find cheaper rates after a rape. One is by shopping around and comparing the costs from versatile insurers. however, the most effective manner is to improve your driving habits over time and ask for a re-evaluation of your premiums .

Cheapest Car Insurance in Rochester With a Violation

Speeding tag

  • company Speeding Ticket

    per year

  • 1 .USAA

    $790

  • 2 .Erie

    $818

  • 3 .GEICO

    $983

  • 4 .State Farm

    $1,125

  • 5 .Progressive

    $1,125

  • 6 .Allstate

    $1,161

  • 7 .MetLife

    $1,233

  • 8. New York Central Mutual Fire

    $1,238

  • 9 .Nationwide

    $1,257

  • 10 .Travelers

    $1,489

  • 11 .Esurance

    $2,274

  • 12 .The General

    $2,974

Average Cost of Car Insurance in Rochester

Rochester

$1,166

New York

$3,433

U.S.

$1,424

The average annual monetary value of car insurance in Rochester is $ 1,166. This rate is 66 % less than the New York average and 18.1 % less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Rochester

To determine their car insurance prices in Rochester, providers consider respective factors, including your gender and historic period, the produce and model of your vehicle, ZIP code and others. For exemplify, in Rochester, GEICO ’ sulfur policy for a 40-year-old male driver costs an average of $ 713 per year. This price could increase or decrease as that driver ’ second situation changes. consequently, it ’ second wise to compare car policy quotes at regular intervals to improve your chances of finding cheap coverage as your circumstances change .

Compare Car Insurance Rates in Rochester

see you ‘re getting the best rate for your car indemnity. Compare quotes from the peak policy companies. widget-location-pin

The Best Car Insurance Companies in Rochester

Rochester drivers shopping for low-cost, high-quality car indemnity coverage can use MoneyGeek ’ s recommendations of the best companies in the city to find an ideal insurance company. Based on MoneyGeek ’ mho psychoanalysis, the best policy providers in Rochester for most drivers are :

  • Travelers: MoneyGeek score of 90 out of 100
  • State Farm: MoneyGeek score of 88 out of 100

USAA received the highest score in Rochester, New York by MoneyGeek ‘s military rank system. however, because USAA is only available to military members, veterans and their families, it is not listed as best overall. MoneyGeek calculated its scores based on respective factors, including affordability, fiscal stability and customer satisfaction ratings from J.D. Power .
1

USAA

score :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2

Travelers

score :

90

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 3

State Farm

score :

87.5

3/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 4

MetLife

score :

87.5

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 5

GEICO

mark :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy 6

Allstate

score :

82.5

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 7

Nationwide

score :

80

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 8

Liberty Mutual

score :

80

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 9

Progressive

score :

77.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy

Average Cost of Car Insurance by Postal Code

Auto insurance companies assess your vicinity when they determine your premium because ZIP codes with more uninsured motorists, car thefts and accidents are considered riskier and costlier to insure. In Rochester, residents of the 14624 ZIP code give $ 26 less in average annual car policy rates than those living in ZIP code 14609 .

  • Zip Code State Minimum

    per year

  • 14624

    $1,153

  • 14609

    $1,179

Factors That Impact Insurance Costs in Rochester

In summation to person driver needs and history, location-specific factors like personal injury security coverage requirements and the pace of car thefts besides contribute to car policy rates in Rochester. How rochester ranks compared to the 300 most populous cities in the United States can have a significant impingement on bounty costs .accident2 icon Most Accidents With Fatalities

118th

/ 300handcuffs2 icon Most car Thefts

9th

/ 300uninsured icon Most uninsured Motorists by State

50th

/ 50insurance2 icon personal Injury Protection Required Yesrain icon Most annual rain

167th

/ 300umbrella icon Most showery Days

3rd

/ 300

Methodology and Assumptions

MoneyGeek ’ mho average premium rates for Rochester are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their read. Additional premiums are added based on coverage type, placement and drive record. Learn more about MoneyGeek ’ second data and methodology here. About the generator

expert-profileexpert-profile Mark Fitzpatrick is a elder contentedness coach with MoneyGeek specializing in indemnity. Mark has years of experience analyzing the insurance market and creating original research and message. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .

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