How much is car insurance in Rochester?

Area Average Monthly Car Insurance Premium
Rochester $109
NY $198
United States $80

How do rates in Rochester measurement up compared to neighboring areas, including New York as a whole ? What can Rochester residents expect to pay for their car insurance ? Discover the factors that go into calculating the average cost in our writeups and charts below : Auto indemnity coverage in Rochester is about $ 89 cheaper than it is in the pillow of New York .
On the flick side, Rochester residents should prepare to pay higher rates for coverage than the rest of the country. The cost of car coverage in Rochester is about $ 29 more expensive than the national average .
Bear in take care that while these rates represent the expected monthly payments for Rochester drivers, it does n’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 sex, vehicle make and model, driving commemorate, age and, in some areas, credit sexual conquest can all affect your monthly agio.

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 !
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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18 Not Enough Data
18-24 $174
25-34 $89
35-44 $95
45-54 Not Enough Data
55-64 $73
65+ $93

generally, the older you are, the more experienced you are on the roads. When it comes to car indemnity bills, that experience pays murder. According to the table above, you can see that 18-24-year-olds pay a distribute 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

Gender Average
Male $99
Female $123

Although female drivers pay, on average, less than male drivers for policy coverage, Rochester actually bucks this course. While female drivers pay $ 123 per calendar month for car indemnity, males entirely pay about $ 99 .

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident $101
Multiple Accidents $132
1 Ticket $106
Multiple Tickets $96

Rates can change drastically depending on your drive record. Drivers with uninfected records can expect to pay importantly less than those with accidents or violations. In Rochester, a drive record with a single accident will normally get you a rate around $ 106 a calendar month. On a alike note, drivers with one ticket on their phonograph 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 truly take a toll. In order to keep your monthly bill down and get the cheapest car indemnity possible, keep your record clean and drive safely .

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year $82
2-3 Years $104
4-5 Years $110
6-7 Years $101
8-10 Years $99
11-14 Years $137
15 Years or Older $103

In terms of low-cost coverage, the cheapest vehicles to insure in Rochester are by and large SUVs, trucks, and vans, at $ 97 per calendar month .
car owners, interim, pay on median $ 113 a month for car policy .
Depending on your vehicle ‘s age, you can besides expect to see slightly unlike rates. Generally, newer vehicles are going to be the most expensive to insure. however, once your cable car is a few years previous you may start to see your rates drop back down a bite. 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
Married $77
Divorced $65
Widowed $55

On average, those who are presently married will pay slightly less to insure their vehicle. This normally boils toss off to owners having multiple vehicles on the lapp policy, something that will much get you a rebate .
In Rochester, the difference in rates based on kinship status can be deoxyadenosine monophosphate much as $ 37 a month .

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own $92
Rent $116
Live with parents $97

Another gene that comes into dally is your house position. 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 indemnity caller, they may offer you a discount if you bundle your home or renters insurance with your car policy .

Car Insurance Companies in Rochester, NY

Recent trends in car insurance for Rochester drivers

The average rates for car policy are constantly changing, so it ‘s a good idea to know the recent trends in your area before shop for coverage.

In Rochester, the rates for car insurance rose from 2016-2017, but began to turn down in 2020. This form 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 indemnity companies will take into bill many factors when they ‘re deciding how much to charge for a policy. Where you live will besides have a significant affect 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 ( evening though you may not be able to do much to influence them ) as you shop for a modern policy or consider relocating. different towns and cities will all have unlike median rates, then guides like these are a great topographic point to get started .

How can I find the cheapest car insurance in Rochester?

In the end, the only way to know precisely 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 quotation mark reflects local trends .
Do n’t worry, 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 .
Compare the cheapest quotes from dozens of insurance companies

Rochester Insurance FAQs

What factors affect car insurance quotes in Rochester? car policy companies calculate quotes based on a wide-eyed array of factors. These include things like your sex and historic period, but besides factors like your vehicle ‘s make and model, class, drive commemorate, credit score, a good as your marital condition 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 importantly affect the cost of insurance proportional to other cities.

Which car insurance company will offer me the cheapest rate in Rochester? There is n’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 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 biography event, whether it ‘s moving to a new area, getting married, finding a fresh job, or early noteworthy events, it ‘s always a well idea to re-evaluate your current indemnity. certain companies offer cheaper insurance in certain cities, so tied if you were getting the cheapest rate at your old address, it does n’t mean it ‘ll inactive be the cheapest at your modern home. That ‘s why it ‘s constantly good to use services like 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, careless of how much time is left on your current policy. If you ‘re thinking about moving to Rochester or have n’t checked out the latest rates in your area for some meter, it might be worth your while to take 10 minutes and see if can save you any cash .

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