Rochester Auto Insurance Rates, Quotes, Agents & Reviews in NY

Rochester, NY Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Rochester, NY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Rochester, NY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Rochester, NY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Rochester, NY with that of other cities in and around Rochester.

Rochester North Gates East Rochester Henrietta Brighton Irondequoit
Average Insurance Rates $1,050 $1,650 $1,639 $1,666 $1,684 $1,652

Rochester, NY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Rochester, NY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Rochester $1,544 $1,304
Irondequoit $1,075 $908
Brighton $1,330 $1,123
North Gates $2,785 $2,352
Gates $1,626 $1,374
Greece $1,052 $888
East Rochester $2,027 $1,712
Henrietta $1,094 $924

Rochester, NY Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Rochester, NY usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,407
20 Years $1,349
30 Years $1,039
40 Years $1,000
50 Years $926
60 Years $939
70 Years $1,093

Rochester, NY Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Rochester, NY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,806 $294
3 Vehicles $2,709 $441
4 Vehicles $3,612 $588

Savings on 2 Vehicles bundle:$294

Savings on 3 Vehicles bundle:$441

Savings on 4 Vehicles bundle:$588


Rochester, NY Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Rochester, NY.

Location Average Insurance Cost Post DUI Insurance Rate
Rochester $1,050 $1,584
Irondequoit $1,652 $2,492
Brighton $1,684 $2,541
North Gates $1,650 $2,489
Gates $1,651 $2,491
Greece $1,659 $2,503
East Rochester $1,639 $2,473
Henrietta $1,666 $2,513

Rochester, NY Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $901
Excellent (740-799) $1,028
Good (670-739) $1,094
Average (580-669) $1,427
Poor (300-579) $1,713

Rochester, NY Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Vincenzo Scollo Allstate 919 Winton Rd S Ste 204, Rochester, 14618 (585) 244-2130
Vanscoter Insurance Agency Llc Erie 1577 Ridge Road W Suite 216, Rochester, 14615 None
John Cassetta Allstate 1880 E Ridge Rd Suite 5 Lower Level, Rochester, 14622 (585) 544-2280
Jacquelyn Johns Allstate 103 Canal Landing Blvd Ste 10, Rochester, 14626 (585) 224-3495
Jeffrey J Green Travelers 1040 UNIVERSITY AVE, ROCHESTER, 14607 585-342-5951
Joseph Schroeder Allstate 572 Titus Ave, Rochester, 14617 (585) 266-5540
Smola Consulting Llc None 1 Washington St S Ste 520, Rochester, 14614 None
Usa Payroll Agency New York Llc Travelers 120 LINDEN OAKS, ROCHESTER, 14625 585-643-2140
Steven Horowitz Allstate 835 Fairport Rd, East Rochester, 14445 (585) 381-3530
David Williams Allstate 4650 Dewey Ave, Rochester, 14612 (585) 225-9511
Gregory Snyder Farmers 1892 Winton Rd S Ste 140, Rochester, 14618 (585) 613-0894

Rochester, NY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$46 $1,096
Driver's Failure In Showing Documents +$102 $1,152
Driving With An Expired Registration +$108 $1,158
Driving At A Considerably Slow Pace +$228 $1,278
Using A Cellphone While Driving +$240 $1,290
Running A Red Light +$245 $1,295
Speeding +$257 $1,307
Driving A Vehicle Without The Required Permission +$327 $1,377
Driving With An Expired/Suspended License +$708 $1,758

Rochester, NY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,008
Active Disabling Device $1,008
Tracking Device $987
Passive Disabling Device $977

Latest Auto Insurance Reviews in Rochester, NY | Back to Top

Usaa
I would recommend USAA to whoever can get it. Their website is easy to use, their app even more so and we usually get something back at year's end.
Usaa
The premium has not been an issue since gaining coverage and is priced fair. I have used my auto insurances in the past and I have yet to have a bad experience with USAA.
Erie Insurance
We have found the auto insurance offerings of Erie to be comprehensive and fully to my satisfaction.We are satisfied with the offerings.
Liberty Mutual
Customer service is amazing. my car broke down one day while I had my kid in the car. The wheel feel off. I already called triple a for a tow. I wanted to start the claim.
Progressive
Customer service is very high. I get an immediate answer to my questions. I have never made a claim, but assume that would also be a good experience as far as customer service is involved.
Metlife
They provide good quality customer care.they are ready to help their customers on team . One of the main advantage of the company is that they have a good team to provide good customer service.
Mercury
I beleive the premium and deductible is better than other companies because they only required less than 100 down and I only pay about 63 a month. I dont have the best they offer but I have enough to take care of me, I did notice the higher amount you pay the better quality you get and it seemed worth it to me.
Mercury
I beleive the premium and deductible is better than other companies because they only required less than 100 down and I only pay about 63 a month. I dont have the best they offer but I have enough to take care of me, I did notice the higher amount you pay the better quality you get and it seemed worth it to me.
Geico
Geico is easy to communicate with. They have a mobile app, website, 24/7 phone support. All of the interactions I have had have been positive.
Progressive
I wish i could get the price even cheaper or get some of the money i waste yearly back. Even a tax write off or something would be nice.
Usaa
I truthfully have not paid too much attention to the different premiums out there--since USAA is connected to family, it was an automatic decision to go with that company. I am happy with my service (1).
Usaa
I like a lot of things about USAA - especially the diversity of product selections across insurance, banking and investments - as well as the fact that I can always talk to a well trained and friendly customer service agent.
Travelers
Offer a good premium, especially when paired with home insurance. Offer the same coverage at a lower price than competitors.Easy to use website
Usaa
The premium seems a little high. It would be good to go out and get some quotes. I keep hoping that loyalty to their brand would get me some benefits.
State Farm
I love the fact that i can go to any agent when i have a question since i obtained my insurance online. I can call and talk to any agent at any time.
Allstate
All State is a good insurance company. They are better than other companies because it's cheaper and you get the same coverage. I switches from Farmer's to All State and saved almost $500 a year.