Cheapest Rochester, NY Car Insurance Companies in 2023
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UPDATED: Jun 14, 2023
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- Drivers in Rochester, NY have higher chances of becoming involved in a car collision in comparison to the average drivers in the country, and it is mandatory in New York for all motor vehicle operators to carry proof of insurance in their cars at all times
- The average annual cost of auto insurance in Rochester is 66% lower than the average annual cost in the state of New York and is 18.1% lower than the national annual average
- Several popular insurance companies offer cheap, yet quality, auto insurance in Rochester with a wide coverage range and additional discounts
Rochester is the fourth largest city in New York. Therefore, its residents have increased chances of becoming involved in a collision in comparison to an average driver in the country. Drivers in Rochester have a 22.9% higher chance of being in a collision, considering that the average driver experiences a collision once every 8.61 years.
Considering these statistics, acquiring car insurance seems like a good idea to safeguard your vehicle in Rochester. However, auto insurance can be a pricey affair, so we have curated a list of car insurance agencies that provide the cheapest deals in Rochester, NY. Let us first examine the auto insurance requirements in the state and the factors that affect the cost of the insurance rates in the Flour City.
Car Insurance Requirements in New York
All motor vehicle operators in the state of New York must have proof of insurance in their vehicles at all times. In New York, the minimum bodily injury liability insurance requirements are $25,000 of bodily injury liability per person and $50,000 of bodily injury liability per accident. Bodily injury liability coverage offers you protection by paying for the injuries of anyone that is harmed by you in an accident.
New York state law limits the minimum coverage of $25,000 for the injury or death of a single person, $50,000 for the injury or death of multiple persons in a car accident, and $10,000 for property damage. Any damages that exceed the policy limit are your responsibility.
Average Costs and Factors Affecting Car Insurance Rates
The auto insurance costs in New York are at an average of $1,373 per year for a minimum coverage policy. Rochester’s average annual coverage cost is 66% lower than that of other companies in New York, accounting for $1,166. This rate is 18.1% less than the national average.
There are various factors that affect auto insurance rates. These common factors include the driver’s age, marital status, violation or accident trends and history, credit tier, and zip code. The rates can be higher or lower depending on these personal factors.
Companies Offering the Cheapest Car Insurance in Rochester, NY
Rochester has relatively lighter traffic compared to other cities in New York, making it a comparatively low-risk zone for car insurance companies, with people in Rochester paying less insurance than the national average. However, these rates can vary depending on several demographics. If you are seeking an insurance company that offers good quality, yet cheap car insurance, we have a list for you.
GEICO is the second largest insurance company in the United States. It is widely known for its auto insurance and is also known to have one of the cheapest car insurance policies in the nation. You can purchase its insurance products in all 50 states, including Washington, D.C.
Types of Coverage
GEICO offers several car insurance coverage types like private passenger auto insurance, motorcycle insurance, ATV insurance, RV insurance, rideshare, and on-demand delivery insurance, collector auto insurance, insurance for driving in Mexico, and commercial vehicle insurance. You can have all your needs fulfilled under one roof.
Cost of Insurance
The average rates offered by GEICO are lower than the national average cost of car insurance in the United States. The average cost for minimum coverage in the U.S. is $565 per year, whereas GEICO offers the same minimum coverage for $433 per year. For full coverage, the average annual cost in the U.S. is $1,674, and GEICO offers $1,405 for the same protection.
The company also offers a long list of discounts and savings for a wide range of situations, which helps to maintain low rates.
GEICO offers an extensive list of discounts that vary from state to state. These discounts include:
- New vehicle
- Good student
- Defensive driving
- Good driver
- Seat belt use
- Multi-vehicle and multi-policy
- Vehicle equipment
- Driver education
- Military service member
- Emergency deployment
- Federal employee
- Membership and employee
USAA is known for its combination of low prices and superior services. The company offers insurance products to military-affiliated members. If you are an active, retired, or separated member of the military with an honorable discharge status, you can qualify for membership with the company. Their products are available across all 50 states and Washington, D.C.
Types of Coverage
The company provides tailored coverage options for military personnel, veterans, and their families. In some cases, you can also obtain insurance coverage if you are stationed outside the United States. USAA offers minimum to full coverage options. It also provides standard coverage options with add-ons, like roadside assistance and car rental reimbursement.
Cost of Insurance
In comparison to the national average annual cost of auto insurance, which is $1,674 for full coverage and $565 per year for minimum coverage, USAA offers an average annual full coverage rate of $1,225 and a minimum coverage rate of $384 per year. USAA has lower than average rates for a wide variety of scenarios.
USAA offers a vehicle storage discount that allows you to save up to 60% if you store your vehicle. It also offers a military installation discount wherein garaging your vehicle on a military base could land you up to 15% off your comprehensive coverage cost. You can also save up to 30% by participating in the SafePilot program, which tracks your driving habits.
State Farm Insurance
State Farm is known to provide one of the best overall auto insurance policies in the United States. They are also known for their low rates, high claims satisfaction score, financial strength, and agent availability. Recently, the company has begun bundling classic car insurance with standard auto insurance, life insurance, and home insurance policies.
Types of Coverage
State Farm offers both basic and full coverage options. The policies also include rental reimbursement, emergency breakdown services, travel expenses, and rideshare insurance. In addition, the company has app-based savings programs for teen drivers and safe drivers. It also offers discounts for combining multiple policies and insuring more than one vehicle.
Cost of Insurance
The cost of State Farm’s annual full coverage is $1,457 per year, and the average minimum coverage is $539 per year. The company’s average rates are still lower than the national average cost of car insurance rates. Additional discounts help in lowering the insurance rates even further.
The average annual full coverage premium with a clean driving history is approximately $1,457. In addition, it is approximatley $1,590 with a speeding ticket, $2,077 with the addition of a teen driver, and $2,201 with a DUI conviction.
The company offers a Steer Clear safe driver discount for drivers under the age of 25 years. Under the good student discount, you can save on the cost of insurance if you are in high school or college with a grade point average equivalent to a B or higher. You can also benefit by insuring more than one vehicle under the multi-car discount. By tracking your driving habits under the Drive Safe and Save programs, you can receive discounts up to 50%.
Progressive Insurance is the third largest insurer in the United States. The company is known for their easy access to online insurance quotes, smooth claims, and purchasing process through their website and mobile app.
Types of Coverage
The company offers bodily injury and property damage liability, comprehensive collision coverage, uninsured and underinsured motorist bodily injury and property damage, and medical payments coverage.
Progressive also offers additional and optional coverages like custom parts and equipment value coverage, deductible savings bank option, lease/loan payoff coverage, rental car reimbursement, rideshare coverage, and roadside assistance.
Cost of Insurance
Car insurance rates increase or decrease depending on the location, the type of car, and the insurance company. In comparison to the national average annual costs, Progressive’s average annual auto insurance rate for full coverage is $1,509, and its minimum coverage is $582.
Progressive does not claim to be the cheapest insurance company in the country, but it still has much lower rates than the national average.
Progressive offers several discounts that help to reduce rates without losing coverage. The company offers automatic payment, continuous insurance, good student, distant student, homeowner, multi-car, multi-policy, online quote, paperless documents, pay-in-full, sign online, and teen driver discounts.
You can also download the Progressive Snapshot app on your smartphone or install a device in your vehicle which tracks your driving habits and rewards safe driving behavior with lower payments to help save money.
The Cheapest Car Insurance Companies in Rochester, NY: The Bottom Line
Car insurance can be an expensive deal depending on your demographics and choice of coverage. However, many car insurance places offer discounts to eligible customers which can help them save a few hundred dollars a year.
Selecting the right insurance company is a personal preference depending on your needs. While opting for auto insurance, remember to compare the costs, coverage, and customer service to fit your specific requirements. Compare the best car insurance companies on Quoteinspector.com to find a policy that meets your needs.
Frequently Asked Questions
What are the car insurance requirements in New York?
All motor vehicle operators in New York must have proof of insurance in their vehicles at all times. The minimum bodily injury liability insurance requirements are $25,000 of bodily injury liability per person and $50,000 of bodily injury liability per accident. The state law also requires a minimum of $10,000 for property damage.
What factors affect car insurance rates?
Several factors can affect car insurance rates, including the driver’s age, marital status, violation or accident history, credit tier, and ZIP code. These personal factors can result in higher or lower insurance rates.
Which car insurance companies offer the cheapest rates in Rochester, NY?
Some of the car insurance companies that offer cheap rates in Rochester, NY, include:
- GEICO: Known for its affordable policies and a wide range of coverage options.
- USAA: Provides low prices and superior services, primarily serving military-affiliated members.
- State Farm Insurance: Offers competitive rates, high claims satisfaction, and various coverage options.
- Progressive Insurance: Known for easy online quotes and a smooth purchasing process.
What are the average costs of car insurance in New York and Rochester?
The average annual cost of car insurance in New York is $1,373 for a minimum coverage policy. In Rochester, the average annual coverage cost is $1,166, which is 66% lower than the state average and 18.1% less than the national average.
What discounts are available for car insurance?
Different insurance companies offer various discounts that can help lower your car insurance rates. Some common discounts include safe driver discounts, good student discounts, multi-car discounts, and discounts for bundling multiple policies. Each company may have its own unique discounts, so it’s recommended to inquire with the specific insurer.
How can I find the best car insurance policy for my needs?
To find the best car insurance policy, it’s important to compare costs, coverage options, and customer service from multiple insurance companies. Use online comparison tools or contact insurance agents to get quotes and evaluate the options available to you.
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