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 has the cheapest car insurance rates in Rochester at an average cost of $783 per year.

In Rochester, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates. 

CompaniesAverage 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 cheapest auto insurance company in Rochester for teen drivers is The Hanover. For full coverage, its average annual rate for Rochester drivers is $1,783. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

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.

An analysis of car insurance rates for Rochester drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. USAA offers the cheapest full-coverage car insurance rates at $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. 

CompanyTeensYoung AdultsAdultsSeniors
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 

Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Rochester. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.

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.

Below are some of the cheapest car insurance companies in Rochester by driver profile.

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Rochester drivers at about $1,079 per year

Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Rochester.

CompanyAverage annual rates
Geico$1,079
USAA$1,269
Nationwide$1,358
Progressive$1,532
State Farm$1,981
Allstate$2,270

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Rochester. It offers full coverage car insurance for drivers aged 30 at about $821 per year

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs. 

CompanyAverage annual premium
USAA$821
State Farm$890
Progressive$1,151
Geico$1,369
Nationwide$1,435
Allstate$1,910

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.

CompanyAverage annual rates
State Farm$1,057
USAA$1,108
Nationwide$1,507
Progressive$1,528
Geico$1,595
Allstate$2,530

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.

CompanyAverage 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 

In Rochester, the annual cost of car insurance for the coverage level of 100/300/100 is $1,239 or around $103 per month. However, the average yearly rate for state minimum coverage in Rochester is $418.

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 RatesState 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.