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The average car insurance cost in Rochester, New York is $1,526 per year, according to data. This is $494 less than the average auto insurance cost in New York and $156 less than the national average, as analyzed by

Average cost in RochesterAverage cost in New YorkNational average cost

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Rochester, the average car insurance rates by age, gender and how much is car insurance in Rochester based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Rochester. Read on to learn more.

Key Takeaways

  • The average car insurance cost in Rochester, New York is $1,526 per year.
  • Progressive offers the cheapest car insurance in Rochester, at an average of $644 per year.
  • Young adults pay $2,520 per year for car insurance in Rochester.

Cheap car insurance companies in Rochester

Progressive offers the cheapest car insurance in Rochester, at an average of $644 per year with full coverage limits of 100/300/100.

The second cheapest company in Rochester is American Family, offering car insurance rates at $915 per year.

As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Rochester before deciding on the policy that matches your requirements.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Rochester, New York:

Company NameAverage annual costAverage monthly cost
American Family$915$76
Erie Insurance$1,176$98
State Farm$1,692$141
Kemper Insurance$1,778$148
Mercury Insurance$3,527$294

Read about the best car insurance companies.

Average car insurance cost in Rochester by coverage limits

In Rochester, the average car insurance rates based on coverage types are as follows:

  • State minimum coverage: $696 per year (limits are 25/50/25)
  • Liability only coverage: $754 per year (limits are 50/100/50)
  • Full coverage: $1,526 per year (limits are 100/300/100)
  • Non-owners coverage: $454 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Rochester

The average car insurance rate for a female driver in Rochester, New York, is $1,600 per year.

While the rate for a male driver is $1,526 per year, which is $74 less than what female drivers pay, according to a rate analysis by

Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Rochester

In Rochester, car insurance rates are the highest for teens, at $4,757 per year or $396 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $2,520 per year for their car insurance which is $2237 less than what the teens pay for their insurance policy.

The car insurance rates in Rochester for adult and senior drivers are $1,565 and $1,651 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Age groupAverage annual rates
Teens (16- to 19-year-olds)$4,757
Young adults (20- to 24-year-olds)$2,520
Adults (25- to 55-year-olds)$1,565
Seniors (60- to 75-year-olds)$1,651

If we look at the car insurance rates trends in Rochester, New York, it was on an upward swing from 2016 to 2019. From 2019 to 2022, the rates decreased overall by 1%, or $19.

The table below shows the trend for three years:

2016 rates2019 rates2022 rates

The bottom line

In conclusion, the insurance rates in Rochester, are lower thanaverage full coverage car insurance cost New York. By shopping around and taking advantage of available discounts, drivers in Rochester can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Frequently asked questions

Is car insurance higher in Rochester? 

The average annual car insurance cost in Rochester, NY, is $1,526, $494 less than the New York state average and $156 less than the national average. It suggests that car insurance rates in Rochester are relatively lower than the state and national averages. 

Do you need full coverage car insurance in Rochester, New York?

In Rochester, New York, full coverage car insurance is not legally required but is recommended, especially if you have a newer or high-value vehicle. You are only required to have liability insurance, which includes bodily injury liability and property damage liability. However, full coverage, which typically includes collision and comprehensive insurance, can provide additional protection against damage to your vehicle.

How can Rochester residents reduce their car insurance costs?

Rochester residents can reduce their car insurance costs by comparing quotes from multiple insurers to find the best rates, opting for higher deductibles, and maintaining a clean driving record. It’s also beneficial to regularly review and adjust coverage as circumstances change, ensuring that you’re not over-insured or paying for unnecessary coverage.


Methodology team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is car insurance in other cities

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Prachi Singh
Contributing Researcher


Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.