Rochester’s traffic is less than in many other areas of New York. This makes it a low-risk area for car insurance companies. Rochester motorists pay an average of $729 annually for auto insurance with minimum coverage. Full coverage is $1,568. However, this rate could be higher depending on your personal demographics. There are many options available in Rochester if you’re looking for affordable car insurance that doesn’t compromise on quality.
Rochester’s best car insurance companies
Rochester is home to many insurance companies, but not all. We compared 2021 average rate data, J.D. Power & Associates customer satisfaction scores and coverage options, online tools as well as policy accessibility and discounts, were all compared by J.D.
Geico
Geico is a top company if you are looking for basic coverage in Rochester at a reasonable price. Geico is not only one the most affordable, but also has the highest customer service ratings in the country. You also get additional coverages like rideshare insurance or mechanical breakdown insurance. You may qualify for discounts if you own a vehicle, are a good student, have multiple vehicles insured with Geico, or are deployed in an emergency.
USAA
USAA is the preferred provider of car insurance for military personnel. USAA provides all the coverage options you need, from basic to extended, with low prices and excellent customer service. You can also get discounts on your car insurance by becoming a USAA member. These discounts include taking a defensive driving class, bundling policies and owning a vehicle that is less than three-years old. USAA is a top-rated company for providing excellent service, affordable pricing, and perks that make it easy for military families.
MetLife
MetLife offers comprehensive and minimum coverage that fits within your budget. This is in addition to long-term insurance coverage. MetLife offers Rochester residents the ability to customize a policy to meet their needs. This includes endorsements like total loss replacement coverage and new car replacement coverage. Rental reimbursement is also available. Identity theft protection is provided. You can also save even more with discounts for safe drivers, policy bundling discounts and price reductions for certain employers and affiliates. Access to 24/7 claims support, mobile apps, and assistance from local representatives are all available.
State Farm
State Farm offers a combination of smart digital tools and 19,000 local agents, as well as a wide range of savings options. State Farm offers full and basic coverages. It also has endorsements like rental reimbursement, emergency breakdown, travel expenses and rideshare insurance. App-based savings programs are available for safe drivers and teens. Discounts are also available for multiple policies or insuring more vehicles. State Farm’s mobile app is highly rated and makes it easy for customers to make claims, call local agents, request roadside assistance, and pay their bills.
Rochester has the lowest car insurance
There are not all insurance companies that offer the lowest price. It can be difficult to find the right combination of quality coverage and affordability. On average, car insurance in Rochester costs $729 for basic coverage and $1,568 to cover full coverage. The national average cost for car insurance is $565, $1,674 respectively, for both minimum and complete coverage. There are many insurance companies in Rochester. However, these providers are the most affordable.
Main Street America Group, one of the less-known companies in Rochester, has the lowest rates. Full coverage costs $636 annually on average. The company is financially strong and offers three coverage options with endorsements like standard accidental airbag deployment, roadside help, and personal clothing. Utica National is another stable company that offers some of the best rates in Rochester. Utica National offers both minimum and full coverage. You also have the option to save more with safety discounts, multi-vehicle discounts, and a discount for your company car.
Although Preferred Mutual is a regional insurer, it only has a presence in four states (including New York), don’t let that deter you. This provider offers some of the lowest prices and, although there aren’t many add-ons to it, you can save with a variety of discounts. Local agents are available to provide personalized assistance and assistance.
Erie and Progressive are the most well-known names on this list. They offer excellent customer service and customized coverages as well as some of Rochester’s cheapest premiums.
Rochester insurance requirements
In New York, car insurance is required by law. New York is a state that does not have any fault, so motorists must also carry additional coverages. The minimum coverage for Rochester is:
- $25,000 per person in bodily injury coverage and $50,000 per accident
- In any single accident, $10,000 property damage coverage
- $50,000 in personal injury protection
Your lender might require that you have collision and comprehensive coverage if your vehicle is financed. This will protect against theft, vandalism, weather damage, and crashes. A full coverage policy is often the best choice if your vehicle is expensive and new.
Rochester offers car insurance discounts
Insurance can be expensive depending on who you are and what coverage you select. There are many discounts that insurers offer to customers who meet certain criteria. You can save hundreds of dollars each year by taking advantage of these discounts. While discounts may vary between providers, the most common are the same for all companies. These discounts could include:
- Bundling policy: This discount is offered by many companies. Policy bundling allows you to purchase more than one policy with the same insurer, and receive a reduced premium.
- Multi-vehicle: If you have more than one vehicle insured with the same company you might get a price cut.
- Safety features: You could get a certain percentage off your premium if your vehicle has advanced safety mechanisms that prevent theft and collisions.
- Cars under three years old or brand-new: Many insurers offer discounts to car owners who are younger than three years.
- Paid in full: Insurers often offer a discount for paying your annual premium in full before you start the policy.
Questions frequently asked
Which is the best auto insurance company?
Although there are many car insurance companies in the country, the best auto insurance company is often determined by individual needs and preferences. Insurance is highly personal and specific. It is important to compare the cost, coverage and customer service of each insurance provider to find the best one for you.
What is the cost of car insurance in Rochester?
Rochester’s average annual car insurance costs are $729 for minimum coverage and $1,568 full coverage. Depending on your personal characteristics, the rate could be higher or lower.
What amount of car insurance do you need in Rochester?
New York’s minimum coverage requirements are 25/50/10 and $50,000 no-fault coverage. If your basic coverage is not sufficient or your vehicle has been financed, you might need to purchase a full coverage policy.