Cheapest car insurance companies in Rochester
A recent data analysis by Insurance.com found the cheapest car insurance companies are Auto-Owners and MMG Insurance in Rochester for 2023.
Auto-Owners is the cheapest option for most Rochester drivers, with an average annual rate of $783 .
The cost of car insurance in Rochester varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in Rochester.
| Companies | Average annual rates |
|---|---|
| USAA | $781 |
| Auto-Owners | $783 |
| MMG Insurance | $979 |
| The Hanover | $981 |
| Geico | $1,090 |
| State Farm | $1,113 |
| Nationwide | $1,191 |
| Progressive | $1,300 |
| Farmers | $2,027 |
| Allstate | $2,147 |
Cheapest car insurance cost in Rochester by Age Group
The Hanover stands out as Rochester's cheapest auto insurance company for teen drivers at an average annual of $1,783. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
When compared to other car insurance companies, The Hanover turned out to be the cheapest car insurance company for young drivers in Rochester, offering full coverage at an annual average cost of $1,236.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Rochester is USAA. Its average rate for a full coverage car insurance policy is $802 per year.
Auto-Owners is the cheapest option for senior drivers in Rochester, with an average premium of $833 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| The Hanover | $1,783 | $1,236 | $945 | $900 |
| Auto-Owners | $1,831 | $1,256 | $816 | $833 |
| MMG Insurance | $2,193 | $1,587 | $1,030 | $1,115 |
| USAA | $3,503 | $1,337 | $802 | $863 |
| Geico | $3,635 | $1,813 | $1,139 | $1,160 |
| State Farm | $3,850 | $1,920 | $1,124 | $1,087 |
| Nationwide | $4,604 | $2,163 | $1,189 | $1,184 |
| Allstate | $5,099 | $3,145 | $2,241 | $2,394 |
| Progressive | $6,265 | $2,343 | $1,317 | $1,386 |
| Farmers | $7,990 | $3,955 | $2,020 | $2,002 |
Cheapest car insurance companies in Rochester by driver profile
Car insurance rates in Rochester vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.
Comparison shopping is the key to getting the cheapest car insurance rates in Rochester. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
In Rochester, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: USAA
Cheapest for a driver with poor credit: Geico
Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Rochester drivers is $1,079.
Drivers with poor or bad credit scores in Rochester can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Geico | $1,079 |
| USAA | $1,269 |
| Nationwide | $1,358 |
| Progressive | $1,532 |
| State Farm | $1,981 |
| Allstate | $2,270 |
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Rochester with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $821.
Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.
| Company | Average annual premium |
|---|---|
| USAA | $821 |
| State Farm | $890 |
| Progressive | $1,151 |
| Geico | $1,369 |
| Nationwide | $1,435 |
| Allstate | $1,910 |
Cheapest auto insurance after an at-fault accident: State Farm
If you've had an accident, State Farm might be your best bet for affordable auto insurance.
For Rochester drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,057. It's a great option if you're looking for affordable coverage that won't break the bank.
After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.
| Company | Average annual rates |
|---|---|
| State Farm | $1,057 |
| USAA | $1,108 |
| Nationwide | $1,507 |
| Progressive | $1,528 |
| Geico | $1,595 |
| Allstate | $2,530 |
Cheapest auto insurance after a DUI: USAA
Buying car insurance doesn't have to break the bank. USAA offers the cheapest full coverage policy in Rochester for drivers with a DUI, with an average annual premium of $1,191.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| USAA | $1,191 |
| Progressive | $1,327 |
| State Farm | $1,820 |
| Geico | $1,877 |
| Allstate | $2,358 |
| Nationwide | $2,370 |
Average car insurance cost in Rochester
The average car insurance rate in Rochester for full coverage is $1,239 per year or $103 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Rochester is $418 per year.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,239 | $418 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
