You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the technical advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the proofreader. Our finish is to give you the best advice to help you make fresh personal finance decisions. We follow rigid guidelines to ensure that our editorial message is not influenced by advertisers. Our editorial team receives no direct recompense from advertisers, and our contentedness is thoroughly fact-checked to ensure accuracy. then, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable information. We rate your trust. Our mission is to provide readers with accurate and indifferent information, and we have editorial standards in invest to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ ra read is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a stern editorial policy, so you can trust that we ’ rhenium putting your interests foremost. Our award-winning editors and reporters create honest and accurate capacity to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer servicing, policy features and savings opportunities — therefore you can feel confident about which provider is right for you. Bankrate follows a rigorous editorial policy, so you can trust that we ’ rhenium putting your interests beginning. All of our content is authored by highly qualify professionals and reviewed by subjugate matter experts, who ensure everything we publish is objective, accurate and worthy of your entrust. Founded in 1976, Bankrate has a long track criminal record of helping people make smart fiscal choices. We ’ ve maintained this repute for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take next. While we adhere to strict editorial integrity, this mail may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. traffic in Rochester is lighter than many early parts of New York, making the city a low-risk zone for car policy companies. On average, motorists in Rochester pay $729 for minimum and $1,568 for full coverage auto insurance annually, but this pace may be higher depending upon your individual demographics. If you are looking for the cheapest car insurance in Rochester without compromising quality, there are several options in this city to take your pick from .
Best car insurance companies in Rochester
There is no dearth of indemnity companies in Rochester, but not all of them have at the top. We compared 2021 average pace data, J.D. Power & Associates customer gratification scores, coverage options, on-line tools, policy handiness and discounts .
| Insurance company | J.D. Power customer satisfaction score (New York) |
Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|---|
| Geico | 837 / 1000 | $489 | $1,291 |
| USAA | 884 / 1000 | $659 | $1,472 |
| MetLife | 832 / 1000 | $810 | $1,714 |
| State Farm | 851 / 1000 | $990 | $1,890 |
Geico
If you want lone the basic coverage at a pocket-friendly price in Rochester, Geico is one of the top companies. With a suite of on-line tools, stellar customer service and low prices, Geico is not entirely one of the most low-cost insurers but besides one of the best-rated in the country. away from minimum, collision and comprehensive coverages, you besides get add-ons such as rideshare policy and mechanical breakdown indemnity. Discounts may be available for owning a raw vehicle, being a dependable scholar, insuring multiple vehicles with Geico and being on emergency military deployment. Learn more : Geico Insurance review
USAA
When you are depart of the military, USAA is often the most prefer supplier for cable car indemnity. Combining low prices with superscript customer service, USAA offers all the basic and gallop coverage options, including wayside aid, lease coverage, glass coverage, GAP insurance, and car substitution coverage. Being a extremity of the USAA besides comes with the choice of respective discounts on car policy. Some of these are for taking a defensive drive naturally, bundling policies, owning a vehicle less than three years honest-to-god, and having a broken annual mileage. USAA has systematically ranked at the top for excellent service and low-cost pricing and for perks that make life easily for military families.
Learn more : USAA Insurance reappraisal
MetLife
For both minimal and comprehensive coverage within your budget from long-standing policy coverage, MetLife is a dependable choice. rochester motorists have the option of customizing a policy according to their requirements with endorsements such as sum personnel casualty substitute coverage, new car refilling coverage, rental reimbursement, identity larceny protection, and extra parts substitute coverage. There are besides several discounts to help you save more, including safe driver discounts, policy bunch discounts, and price cuts for some employers and affiliate groups. You besides get around-the-clock claims support, mobile apps and local representatives for aid. Learn more : MetLife Insurance review
State Farm
For a gain combination of fresh digital tools, a network of 19,000 local agents and a big number of savings options, State Farm is ideal. The company offers both basic and full coverages, including endorsements such as rental reimbursement, emergency breakdown servicing, change of location expenses, and rideshare policy. There are app-based savings programs for safe drivers and adolescent drivers, and discounts are besides available for combining multiple policies and insuring more than one vehicle. The highly-rated State Farm mobile app makes it easy to file a call, contact local agents, request wayside aid and make payments. Learn more : State Farm Insurance reappraisal
Cheapest car insurance in Rochester
not all policy companies offer the cheapest price, and it can sometimes be hard to find the veracious balance between timbre coverage and affordability. car indemnity in Rochester on average costs $ 729 for basic and $ 1,568 for full coverage. In comparison, the national average cost of cable car policy is $ 565 and $ 1,674 for minimal and fully coverage respectively. Although there is an abundance of policy companies in Rochester, the follow providers are some of the cheapest .
| Insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| Main Street America Group | $252 | $636 |
| Utica National | $395 | $3,023 |
| Preferred Mutual | $443 | $1,354 |
| Progressive | $491 | $815 |
| Erie | $571 | $1,173 |
One of the lesser-known companies, Main Street America Group has the cheapest rates in Rochester, with full coverage priced at only $ 636 on average per annum. The company has excellent fiscal forte and offers three different coverage packages with endorsements such as standard accidental airbag deployment, wayside aid, and personal clothing coverage. Another stable and well-rated caller offering some of the lowest rates in Rochester is Utica National. aside from minimum and full coverage options, you besides get several discounts for utmost savings, including base hit features discount, multi-vehicle discount and ship’s company car rebate. regional insurance company Preferred Mutual is deliver in merely four states, including New York, but do not let its belittled scale deter you. Some of the cheapest prices are offered by this supplier, and although there are not many add-ons, you do get to save with respective discounts. The team of local agents is available for aid and personalized service. The more popular names on this tilt are Progressive and Erie, both offering excellent customer service, customized coverages, and some of the cheapest premiums in Rochester .
Rochester insurance requirements
car policy is mandated by law in all of New York, including Rochester. Because New York is a no-fault state, motorists are required to carry certain extra coverages away from the basic indemnity. Rochester ’ mho required minimal coverage includes :
- $25,000 in bodily injury coverage per person and $50,000 per accident
- $10,000 in property damage coverage in any one accident
- $50,000 in personal injury protection
If your vehicle has been financed, your lender may require you to have collision and comprehensive coverages deoxyadenosine monophosphate well, for protection against crashes, larceny, vandalism, and weather damage. When your fomite is new and expensive and you plan to sell it in the cheeseparing future, a full coverage policy is frequently the wise option .
Car insurance discounts in Rochester
indemnity can be much expensive, depending on your demographics and the coverage you choose. The good news program is that most insurers offer discounts to eligible customers, and by availing of them you can save a few hundred dollars a class. Although certain discounts vary from one supplier to another, the most common ones are the like across all companies. These may include :
- Policy bundling: A discount offered by many companies, policy bundling involves purchasing more than one policy from the same insurer for a discounted premium.
- Multi vehicle: When you insure more than one vehicle with the same company, you may often get a price reduction on your annual cost.
- Safety features: When your vehicle is equipped with advanced safety mechanisms to prevent collisions and theft, you could earn a certain percent off your premium.
- New car: Some insurers offer a discount to those with a car that is brand new or under three years old.
- Paid in full: Paying your annual premium in full at the start of the policy is often rewarded by some insurers with a small discount.
Frequently asked questions
What is the best car insurance company?
There is a multitude of cable car insurance providers across the state but the best car insurance caller much depends on personal needs and preferences. Because policy is personal and highly specific to individual needs, it is recommended that you compare cost, coverage, and customer service to pick the one that fits your requirements .
How much does car insurance in Rochester cost?
On average, Rochester ’ s annual cable car indemnity cost is $ 729 for minimum and $ 1,568 for a full coverage policy. The rate may be higher or lower depending upon personal demographics .
How much car insurance do I need in Rochester?
The minimum required coverage mandated by law in the state of New York is 25/50/10, and extra no-fault coverage of $ 50,000. however, you may need a full coverage policy if the basic coverage does not offer you adequate protection financially or if your vehicle has been financed.
Methodology
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean and jerk tug record, thoroughly credit and the come full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverages that meet each express ’ second requirements. Our sample drivers own a 2018 Honda Accord, commute five days a workweek and drive 12,000 miles per annum. These are sample rates and should be used for comparative purposes alone. Your quotes may be different .