Cheapest car insurance companies in Rochester 

According to a study by Insurance.com, the cheapest car insurance companies in Rochester for 2023 are Progressive and NYCM Insurance

In Rochester, Progressive provides the cheapest auto insurance rates to drivers at an average annual premium of $785 annually

Car insurance costs may vary in Rochester based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Rochester.

CompaniesAverage annual rates
Progressive$785
NYCM Insurance$1,106
USAA$1,155
Geico$1,202
Erie Insurance$1,371
Allstate$1,689
State Farm$1,840
The Hanover$2,400
Travelers$2,497
Chubb Ltd$2,785

Cheapest car insurance cost in Rochester by Age Group 

Progressive offers the cheapest full coverage car insurance for teenage drivers in Rochester, with an average annual cost of $2,483 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance. 

Progressive provides the cheapest car insurance coverage for young drivers in Rochester, with an annual premium of $1,244 on average.

For Rochester drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. Progressive provides the cheapest car insurance premiums, offering full coverage policies at $777 annually

Progressive tops the list in terms of affordability for senior drivers in Rochester. With an average annual premium of $816, Progressive offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.

CompanyTeensYoung AdultsAdultsSeniors
Progressive$2,483$1,244$777$816
NYCM Insurance$2,501$1,671$1,141$1,101
Geico$3,323$1,630$1,220$1,379
Erie Insurance$3,730$2,267$1,376$1,394
USAA$4,673$1,752$1,161$1,278
The Hanover$4,903$3,489$2,436$2,548
Allstate$5,402$2,438$1,683$1,767
State Farm$5,453$3,046$1,824$1,764
Travelers$5,975$3,087$2,472$2,711
Chubb Ltd$6,619$4,422$2,797$2,432

Cheapest car insurance companies in Rochester by driver profile 

Your driving profile plays an important role in determining your car insurance rates in Rochester. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.

Finding the cheapest car insurance in Rochester requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit. 

Here are some of the cheapest car insurance companies in Rochester based on driver profile. 

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Rochester drivers at about $1,272 per year

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

CompanyAverage annual rates
Geico$1,272
USAA$2,122
Allstate$2,462
State Farm$3,476
Travelers$3,844
Progressive$4,519

Progressive 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 $748 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
Progressive$748
USAA$1,275
Geico$1,508
Allstate$1,735
State Farm$1,803
Travelers$2,615

Progressive is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Rochester is $991. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket. 

CompanyAverage annual rates
Progressive$991
USAA$1,554
Geico$1,625
Allstate$1,870
State Farm$2,027
Travelers$2,761

In Rochester, Progressive has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $799 a year

Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.

CompanyAverage annual rates
Progressive$799
State Farm$1,803
USAA$1,966
Allstate$2,326
Travelers$2,925
Geico$3,553

Average car insurance cost in Rochester 

In Rochester, the average annual cost for full coverage car insurance is around $1,683, which breaks down to approximately $140 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Rochester is about $715.

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
$1,683$715

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.

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