Cheapest Car Insurance In Rochester, NY 2025
For just $32 per month, Kemper offers the lowest-cost minimum coverage car insurance in Rochester.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re trying to find the lowest car insurance rates in Rochester, NY, you’ll notice prices can vary a lot.
Kemper offers the best pricing on liability-only policies, Progressive provides the lowest rates for full coverage, and New York Central Mutual Fire is the most affordable choice for young drivers.
Cheapest Car Insurance Companies In Rochester, NY
Cheapest Liability-only Car Insurance In Rochester: Kemper
Kemper leads as the most budget-friendly car insurance company for minimum coverage in Rochester, with an average monthly cost of $32.
Find a breakdown of insurance rates from different providers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $32 | $384 |
| American Family | $44 | $528 |
| Progressive | $35 | $420 |
| Erie | $51 | $612 |
| GEICO | $47 | $564 |
Cheapest Full Coverage Insurance Rates In Rochester: Progressive
If you need low-cost full coverage car insurance in Rochester, Progressive is the best choice, averaging $54 a month.
The following table compares budget-friendly auto insurance rates from various Rochester providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $54 | $648 |
| American Family | $83 | $996 |
| GEICO | $99 | $1,188 |
| Erie | $93 | $1,116 |
| Allstate | $124 | $1,488 |
Cheapest Car Insurance Rates For Seniors: New York Central Mutual Fire
If you’re a senior in Rochester, New York Central Mutual Fire has the most affordable car insurance, costing around $68 per month.
Review the table below to see how senior drivers can get the most affordable auto insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| New York Central Mutual Fire | $68 | $816 |
| Travelers | $102 | $1,224 |
| USAA | $89 | $1,068 |
| Erie | $105 | $1,260 |
| Nationwide | $123 | $1,476 |
Cheapest Rates In Rochester For Teenagers: CSAA
If you’re a teenage driver in Rochester, the cheapest insurance option is CSAA, with an average monthly premium of $157.
Review the table below to see which companies offer the most affordable insurance for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| CSAA | $157 | $1,884 |
| Progressive | $370 | $4,440 |
| Liberty Mutual | $287 | $3,444 |
| USAA | $505 | $6,060 |
| Erie | $484 | $5,808 |
Cheapest Auto Insurance For Young Adults in Rochester: New York Central Mutual Fire
Young drivers in Rochester can secure the lowest insurance premiums from New York Central Mutual Fire, which offers an average monthly rate of $87.
Use the table below to explore the most affordable car insurance options for young adults in Rochester.
| Provider | Average Monthly Cost | Average Annual Cost |
| New York Central Mutual Fire | $87 | $1,044 |
| Erie | $95 | $1,140 |
| Travelers | $101 | $1,212 |
| USAA | $90 | $1,080 |
| Safeco | $117 | $1,404 |
Cheapest Car Insurance In Rochester For Good Drivers: Kemper
Rochester drivers with a good record can secure the lowest car insurance rates from Kemper, at about $32 per month.
The table below outlines average quotes from the most affordable auto insurers for drivers with a good record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $32 | $384 |
| American Family | $44 | $528 |
| Progressive | $35 | $420 |
| Erie | $51 | $612 |
| GEICO | $47 | $564 |
Find affordable Rochester rates
Cheapest Car Insurance In Rochester After A Speeding Ticket: Liberty Mutual
Drivers in Rochester with a speeding ticket can get some of the lowest rates from Liberty Mutual, averaging $87 per month.
Use the chart below to compare estimated car insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $87 | $1,044 |
| Progressive | $160 | $1,920 |
| Bristol West | $299 | $3,588 |
| Erie | $225 | $2,700 |
| USAA | $227 | $2,724 |
Cheapest For Drivers With After At-Fault Accident: Liberty Mutual
For those with an at-fault incident, Liberty Mutual delivers the cheapest coverage, with rates averaging $90 per month.
Below is a list of insurers that provide the most competitive rates for at-fault drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $90 | $1,080 |
| Progressive | $170 | $2,040 |
| USAA | $234 | $2,808 |
| Erie | $235 | $2,820 |
| Bristol West | $309 | $3,708 |
Cheapest Rates In Rochester For Drivers After A DUI: Liberty Mutual
After a DUI, Rochester motorists will find the best rates with Liberty Mutual, where average monthly premiums are $98.
Find the most affordable insurance rates for DUI drivers in Rochester by reviewing the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $98 | $1,080 |
| Progressive | $195 | $2,040 |
| USAA | $272 | $2,808 |
| Erie | $262 | $2,820 |
| Bristol West | $360 | $3,708 |
Best Car Insurance Companies In Rochester
For Rochester drivers seeking low-cost insurance, Kemper leads at $32 per month, while Progressive and American Family remain competitive at $35 and $44.
Check out the top car insurance companies in Rochester, NY, ranked by the monthly rates they offer.
| Company | Monthly Premium |
| Kemper | $32 |
| American Family | $44 |
| Progressive | $35 |
| Erie | $51 |
| GEICO | $47 |
| Chubb | $68 |
| Liberty Mutual | $70 |
| USAA | $193 |
| Bristol West | $256 |
Average Auto Insurance Rates In Rochester – By Age
Age significantly affects car insurance costs. Since younger drivers are considered higher risk, their premiums are steeper. Teen drivers typically pay around $1,795 per year for coverage.
A clean driving record can lead to reduced insurance rates at 25, as insurers consider these drivers lower risk.
Drivers in their 50s and early 60s are likely to secure the most competitive insurance rates, thanks to insurers factoring in age as a measure of experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $1,795 |
| 20s | $1,562 |
| 30s | $1,598 |
| 40s | $1,315 |
| 50s | $1,238 |
| 60s | $1,850 |
| 70s | $1,237 |
Average Rates In Rochester – By Vehicle
Insurance premiums are determined in part by the car you own. Vehicles with advanced technology, higher replacement costs, and luxury features typically result in steeper insurance rates.
The table below outlines the average insurance prices for different vehicles in Rochester.
| Vehicle | Average Monthly Rate |
| Nissan Altima | $65 |
| Honda Accord | $80 |
| Subaru Legacy | $79 |
| Kia Forte | $91 |
| Chevrolet Malibu | $98 |
How Much Is Car Insurance In Other Cities in New York?
The city you reside in is a key factor in your insurance costs. Companies assess crime rates, accident statistics, and other location-based risks, making urban premiums higher than those in rural areas.
The cost of car insurance varies—Brooklyn drivers pay about $305 per month, whereas White Plains drivers average $140.
| City | Average Monthly Rate |
| Schenectady | $136 |
| Flushing | $185 |
| Great Neck | $151 |
| Staten Island | $224 |
| Syracuse | $156 |
| White Plains | $140 |
| Albany | $144 |
| Bronx | $301 |
| Brooklyn | $305 |
| Buffalo | $162 |
Average Cost Of Auto Insurance In Rochester – By Zip Code
Insurance providers assess crime rates by zip code, which directly affects how much you pay for car insurance.
Use the table to see the differences in car insurance rates across Rochester zip codes.
| Zip Code | Average Monthly Rate |
| 14617 | $94 |
| 14620 | $148 |
| 14608 | $93 |
| 14613 | $270 |
| 14615 | $101 |
Find affordable Rochester rates
Our Methodology
By evaluating customer service, insurance products, affordability, and feedback from various sources, I’ve created a detailed analysis of Rochester, NY car insurance options.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Rochester?
If you’re shopping for the lowest insurance rates in Rochester, Kemper has the best deal for minimum coverage, while Progressive offers the most cost-effective full coverage, including collision and comprehensive protection.
What is the average cost of car insurance in Rochester?
The standard car insurance rate in Rochester is around $130 per month, though factors like where you live, what car you drive, and your driving history will impact the final cost.
Related Content
Car Insurance For 30 Years Old Car Insurance For 35 Years Old Car Insurance For 18 Year Old
Auto Insurance In Your Area
Car Insurance In Georgia Car Insurance Quotes Gilroy CA Car Insurance Santa Ana
