Rochester, NY Car Insurance

Find the right car insurance policy for you.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to


While Rochester is a busy and bustling city, its highway system is often free of major congestion. The highway system was designed to accommodate an anticipated population of 5 million in the metro area. This milestone was never reached, leaving the city with a fast-moving system that is free of the gridlock seen in other major cities.

But that doesn’t mean Rochester drivers don’t have car accidents. No matter where you live, you need car insurance to protect you from the financial consequences of a crash or other mishap with your vehicle.

A Trusted Choice® Independent Insurance Agent can help you find the coverage you need to protect you from the risks you face as a Rochester driver.

Stupid-Simple Insurance.

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Cost of Car Insurance in Rochester 

Did You know? The average cost of Rochester car insurance is $152 per month. 

Car insurance coverage should be completely personalized. And no matter where you live, you shouldn’t overpay.

A Rochester car insurance policy costs around $152 per month. If you think that’s too much, consider shopping around.

When you get a quote, your rates should take into account the following:

  • The age, make and model of your car
  • Your average annual mileage

With the help of a Trusted Choice agent, you can review quotes from multiple insurance companies and choose the one that offers the best coverage at the best price.

Rochester Car Insurance Requirements

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident required
  • Property Damage Liability: $10,000 required
  • Personal Injury Protection (PIP): $50,000 required

Who Pays If The Accident Wasn’t My Fault?

The driver who caused the accident, of course. Approximately 6.1 % of Minnesota drivers are uninsured. If a driver without insurance causes a crash, the other drivers have to pay for their own repairs and medical bills.

That's why it’s a good idea to buy “uninsured motorist coverage.” It helps you pay for your own medical bills and car repairs if you are in an accident with an uninsured driver. New York requires all drivers to have uninsured motorist coverage.

Stupid-Simple Insurance.

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What Affects The Cost of Rochester Car Insurance?

Car insurance premiums are not just about where you live. Your monthly Rochester auto insurance payment is based on how risky you are as a driver — or how likely you are to file a claim.

Insurance companies evaluate all of your individual risk factors, including these:

  • Your age
  • Your gender
  • Your marital status
  • Your ZIP code
  • Your driving record
  • The number of cars and drivers in your household

Drivers who are considered bigger insurance risks than others will pay more for auto insurance. Here are some examples of drivers who tend to pay more for auto insurance.

  • Teens and young adults
  • Drivers of expensive or luxury vehicles
  • Unmarried drivers
  • Drivers with a history of accidents or speeding tickets

If you want to save on your Rochester car insurance, try to control what you can. Maintain a clean driving record and drive a safe, modestly priced vehicle.

Stupid-Simple Insurance.

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City Factors That Will Affect Your Rate:

Commute Time

Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident.

Drivers with longer daily commutes tend to pay more for car insurance. With shorter-than-average commute times, some Rochester drivers can expect to pay less for car insurance than drivers in other cities.

  • National average: 25.4 minutes
  • Rochester average: 19.2 minutes

Number of Auto Thefts in Rochester

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in Rochester: 3.5 

The auto theft rate in Rochester is higher than the U.S. national average. This is probably not good news for Rochester drivers; you likely pay more for car insurance for this reason.

Remember, no matter where you live or work, your car can be stolen. To prevent theft and break-ins, always secure your vehicle and keep valuables hidden inside your car. Never leave your car running while unattended, and keep it locked — even in your own driveway.

If you drive a car with an alarm or another anti-theft device, ask your insurance agent if you qualify for a special discount.

Find Affordable Car Insurance in Rochester

Affordable car insurance is available for Rochester residents. Simply talk to a Trusted Choice Independent Insurance Agent about getting quotes from multiple insurance companies.

Our local agents can find you affordable, quality policy options from reputable insurance companies so you can choose the option that best fits your needs and budget. Your agent will get to know you and your family and assess your risks so you can have peace of mind.

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