Best Cheap Car Insurance Companies in Rochester, N.Y.

We have chosen NY Central Mutual, Geico, Progressive, Erie Insurance and USAA as the best car insurance options in Rochester. These companies not only provide costs below the averages for both minimum and full coverage, but they also have great customer service and good quality coverage.

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Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.

Our data shows that the average cost of car insurance for minimum-coverage insurance in Rochester is $58 per month or $692 per year. This is about 11% more than the national average of $52 per month or $625 per year.

Similarly, full-coverage insurance costs $133 per month or $1,596 per year on average, which is about 20% less expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest Liability Car Insurance in Rochester

NY Central Mutual offers the cheapest liability insurance with average rates of $31 per month or $378 per year. Geico is the second-cheapest car insurance provider in Rochester with average rates of $33 per month or $394 per year.

Liability coverage is the minimum coverage required by the state of New York. According to New York State law, all drivers must either meet or exceed the following minimum insurance requirements:

• $50,000 bodily injury liability per accident
• $25,000 bodily injury liability per person
• $10,000 property damage liability per accident
• $50,000 personal injury protection
• $50,000 liability per death per person also required, as well as $100,000 liability for death per accident, $25,000 uninsured motorist bodily injury coverage per person, and $50,000 uninsured motorist bodily injury coverage per accident

Cheapest Full-Coverage Car Insurance in Rochester

A full-coverage car insurance policy can be pricey in Rochester. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Geico is the cheapest full-coverage option with average rates of $89 per month or $1,071 per year.

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There are various elements that influence car insurance prices, and the insurance company that is the most affordable for one person could be more expensive for another. This section will look at the average car insurance prices in Rochester — based on a driver’s age, credit score, driving history and ZIP code.

Rochester Car Insurance Cost by Age

Car insurance coverage costs more for teenagers because they have a higher chance of being involved in a car accident or breaking a traffic rule. Our data shows 16-year-olds pay about $184 per month or $2,213 per year for car insurance in Rochester.

As drivers get older, the typical expense of car insurance generally decreases. This trend continues as they reach middle age. In the table below, you can view the average minimum-coverage car insurance rates for many different age groups in Rochester.

Cheapest Car Insurance in Rochester: Teen Drivers

Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows NY Central Mutual is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $70 per month or $842 per year. Geico, Erie Insurance and Progressive also offer affordable premiums for Rochester teens.

Rochester Car Insurance Cost by Credit Score

Car insurance companies in the majority of states, including New York, can use credit scores in the calculation of premiums. Rochester drivers with low credit scores will be charged higher car insurance premiums, while those with good credit scores will pay lower premiums.

Cheapest Car Insurance in Rochester: Poor Credit

Our rate data shows Geico is the cheapest option for car insurance for bad credit in Rochester. The company offers minimum-coverage policies to drivers with poor credit for rates of $42 per month or $499 per year. This is 48% less than the overall state average for minimum coverage for good credit.

Rochester Car Insurance Cost by Driving Record

If drivers have received speeding tickets, been in accidents or have been convicted of DUIs, they’re likely to experience a rise in the cost of their car insurance. On average, speeding can increase your rates by 17%, an at-fault accident by 34% and a DUI by 36%.

Different companies have different average price increases. NY Central Mutual is the most suitable company for people with any driving record violations. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.

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Cheapest Car Insurance in Rochester: Speeding Ticket

According to our data, NY Central Mutual offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $38 per month or $459 per year. Progressive follows closely behind with an average monthly rate of $46, while Erie Insurance, USAA and Geico round out the top five options for cheap speeding ticket car insurance in Rochester.

Cheapest Car Insurance in Rochester: At-Fault Accident

If you have caused an accident while driving, it may result in higher insurance rates compared to just getting a speeding ticket. NY Central Mutual and Geico are the cheapest options here with average rates of about $38 per month and $53 per month, respectively. You can see some auto insurance companies charge significantly more for this amount for coverage after an accident.

Cheapest Car Insurance in Rochester: DUI

If you’re caught driving under the influence (DUI), this is a major offense, so your car insurance rates in Rochester can go up by several hundred dollars per year. Progressive is very cheap compared to other companies — offering average rates of $41 per month or $488 per year for drivers with a DUI. NY Central Mutual, USAA and Erie Insurance are also good options with rates under $70 per month on average.

Rochester Car Insurance Cost by ZIP Code

The cost of your insurance can be influenced by the rate of insurance claims in different areas of the city. Below, you can see certain ZIP codes in Rochester can be up to 5.8% cheaper or 11.4% more expensive than the city average.

Although auto insurance in Rochester, N.Y., is 11% more expensive than the national average, you can still find affordable options. NY Central Mutual has the cheapest minimum coverage plan at around $31 each month. Additionally, Geico has affordable full-coverage rates for Rochester drivers with a monthly payment of $89.

Compare free quotes to find the company that meets your New York car insurance needs at the best rate. You can compare insurance services and get auto insurance quotes online or from insurance agents.

Source  : marketwatch.com