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.
Progressive has the cheapest car insurance rates in Rochester at an average cost of $785 per year.
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.
| Companies | Average 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.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
For young drivers in Rochester, Progressive has the cheapest auto insurance rates, with an average annual cost of $1,244 annually.
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 Progressive. Its average rate for a full coverage car insurance policy is $777 per year.
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.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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.
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.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: Progressive
- Cheapest for accident: Progressive
- Cheapest for DUI: Progressive
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 $1,272.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $1,272 |
| USAA | $2,122 |
| Allstate | $2,462 |
| State Farm | $3,476 |
| Travelers | $3,844 |
| Progressive | $4,519 |
Cheapest for drivers with a speeding ticket: Progressive
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 Progressive at an annual cost of $748.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| Progressive | $748 |
| USAA | $1,275 |
| Geico | $1,508 |
| Allstate | $1,735 |
| State Farm | $1,803 |
| Travelers | $2,615 |
Cheapest auto insurance after an at-fault accident: Progressive
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Rochester with at-fault accidents on their driving records can find the cheapest car insurance rates with Progressive. Its full coverage policy costs an average of $991 annually.
| Company | Average annual rates |
|---|---|
| Progressive | $991 |
| USAA | $1,554 |
| Geico | $1,625 |
| Allstate | $1,870 |
| State Farm | $2,027 |
| Travelers | $2,761 |
Cheapest auto insurance after a DUI: Progressive
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.
| Company | Average 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
Full coverage car insurance in Rochester for a coverage limit of 100/300/100 is $1,683 per year or $140 per month, while the state minimum coverage costs an average of $715 a 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 |
|---|---|
| $1,683 | $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.
