Car Insurance Cost in Rochester, NY – Cheapest Rates + Comparisons

Which vehicles have cheap car insurance rates? We rank the top 150+ cars, trucks, and SUVs with the cheapest insurance in Rochester, New York.

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How much does Rochester car insurance cost?

The average cost to insure a vehicle in Rochester is $2,148 per year, which is 3.3% less than the U.S. average rate of $2,221. The average cost per month for car insurance in Rochester is $179 for a full-coverage car insurance policy.

Average car insurance cost in New York is $2,752 per year, so Rochester, NY, drivers pay an average of $604 less per year than the overall New York state-wide average rate. The average cost to insure a car in Rochester compared to other New York cities is around $1,044 per year cheaper than in Yonkers, $1,656 per year cheaper than in New York City, and $116 per year cheaper than in Syracuse.

Driver age is the single-largest factor that determines the cost of auto insurance. The list below details how age impacts cost by showing the difference in average car insurance rates for different driver ages.

Car insurance cost in Rochester, NY, for drivers age 16 to 60

  • 16-year-old driver – $7,650 per year or $638 per month
  • 17-year-old driver – $7,413 per year or $618 per month
  • 18-year-old driver – $6,642 per year or $554 per month
  • 19-year-old driver – $6,050 per year or $504 per month
  • 20-year-old driver – $4,322 per year or $360 per month
  • 30-year-old driver – $2,292 per year or $191 per month
  • 40-year-old driver – $2,148 per year or $179 per month
  • 50-year-old driver – $1,904 per year or $159 per month
  • 60-year-old driver – $1,782 per year or $149 per month

The chart below summarizes car insurance cost in Rochester for different common policy situations. Rates are averaged for all Rochester Zip Codes and shown based on a number of different driver ages, physical damage deductibles, and driver risk profiles.

Average car insurance rates in Rochester for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Rochester for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Rochester includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Rochester, NY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,940$412
Safe Driver Age 20$4,322$360
At-fault Accidents Age 40$3,042$254
Low Deductibles Age 40$2,810$234
Safe Driver Age 30$2,292$191
Safe Driver Age 40$2,148$179
Safe Driver Age 50$1,904$159
High Deductibles Age 40$1,806$151
Discount Rate Age 40$1,786$149
Safe Driver Age 60$1,782$149

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

In the chart above, the cost of car insurance in Rochester ranges from $1,786 per year for a 40-year-old driver who meets many discount requirements to $4,940 per year for a 30-year-old driver who is required to buy high-risk auto insurance. From a monthly budget point of view, the average cost in the prior chart ranges from $149 to $412 per month.

Rochester car insurance rates are not the same for everyone and can also be significantly different between companies. The likelihood of a wide range of rates stresses the need for accurate auto insurance quotes when shopping online for more affordable coverage.

Which autos have the cheapest car insurance?

The models with the most affordable insurance rates in Rochester, NY, tend to be small SUVs like the Kia Soul, Subaru Crosstrek, and Buick Envision.

Average insurance prices for those models cost $1,744 or less per year ($145 per month) to get full coverage.

Additional vehicles that have low-cost auto insurance quotes in our overall cost comparison are the Subaru Outback, Buick Encore, Nissan Murano, and Kia Niro.

Average rates are a little higher for those models than the crossovers and small SUVs at the top of the rankings, but they still have an average insurance cost of $156 or less per month in Rochester.

The table below breaks down the 25 cars, trucks, and SUVs with the cheapest insurance rates in Rochester, ordered by cost.

Top 25 Cheapest Vehicles to Insure in Rochester
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,586$132
2Chevrolet Trailblazer$1,612$134
3Kia Soul$1,674$140
4Nissan Kicks$1,692$141
5Honda Passport$1,710$143
6Buick Envision$1,720$143
7Toyota Corolla Cross$1,730$144
8Hyundai Venue$1,744$145
9Mazda CX-5$1,752$146
10Ford Bronco Sport$1,758$147
11Volkswagen Tiguan$1,778$148
12Acura RDX$1,796$150
13Nissan Murano$1,804$150
14Buick Encore$1,822$152
15Honda CR-V$1,830$153
16Subaru Outback$1,830$153
17Buick Envista$1,838$153
18Volkswagen Taos$1,840$153
19Kia Niro$1,848$154
20Toyota GR Corolla$1,868$156
21Subaru Ascent$1,870$156
22Honda HR-V$1,872$156
23Nissan Leaf$1,882$157
24Chevrolet Colorado$1,892$158
25Honda Civic$1,902$159

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NY Zip Codes. Updated June 27, 2025

Top 25 cheapest vehicles to insure in Rochester, NY with the Subaru Crosstrek ranking first at $1,586 per year
Top 25 cheapest vehicles to insure in Rochester, NY with the Subaru Crosstrek ranking first at $1,586 per year

A table showing 25 vehicle rankings doesn’t really provide a detailed summary of Rochester car insurance cost. A better way to group and rank rates for different vehicles is to sort them by vehicle segment.

This next article section further discusses the cost of insurance based on different automotive segments. The average rates shown in the chart will provide a good idea of which automotive segments have the most affordable Rochester auto insurance rates. Then the subsequent sections rank the 20 cheapest models in the most popular segments.

Auto insurance rates by automotive segment

When comparing new or used vehicles, it is useful to know which kinds of vehicles have cheaper car insurance rates in Rochester.

For example, maybe you want to know if minivans are more affordable to insure than SUVs or if sports cars have cheaper auto insurance than luxury cars.

The next chart shows average car insurance rates in Rochester for different vehicle segments. When looking at rates from a segment perspective, compact and midsize SUVs, vans, and midsize pickups tend to have the least expensive rates, while sports cars, large luxury cars, and performance exotic cars have the highest average cost of insurance.

Car insurance average cost by automotive segment in Rochester, NY.
Figure 2: Car insurance average cost by automotive segment in Rochester, NY. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Rochester Zip Codes.

Car Insurance Rates by Automotive Segment in Rochester, NY
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,972$164
Midsize SUV$2,120$177
Compact Car$2,122$177
Minivan$2,124$177
Midsize Pickup$2,170$181
Midsize Car$2,190$183
Compact Luxury SUV$2,328$194
Compact Luxury Car$2,364$197
Large SUV$2,370$198
Half-ton Pickup$2,380$198
Heavy Duty Pickup$2,468$206
Midsize Luxury SUV$2,552$213
Midsize Luxury Car$2,634$220
Sports Car$2,952$246
Large Car$3,090$258
Large Luxury SUV$3,324$277
Large Luxury Car$3,434$286

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Rochester, NY Zip Codes. Updated June 27, 2025

Average car insurance rates by segment are precise enough for comparing estimates, but insurance cost varies quite significantly within each of the segments listed in the previous chart.

For example, in the midsize luxury SUV segment, rates range from the Jaguar E-Pace costing $2,010 per year for full coverage insurance to the Mercedes-Benz AMG GLE63 at $3,622 per year, a difference of $1,612 within that segment.

As another example, in the large SUV segment, average rates range from the Chevrolet Tahoe costing $2,016 per year up to the Toyota Sequoia at $2,688 per year.

In the next parts of this article, we eliminate much of the variability by looking at the cost of car insurance in Rochester from a model perspective rather than by segment.

Cheapest car insurance rates in Rochester, NY

The five most budget-friendly cars (excluding luxury models) to insure in Rochester are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Average rates for for these five models range from $1,868 to $1,976 per year.

Other models that have cheaper rates are the Toyota Corolla, Chevrolet Malibu, Honda Accord, and Toyota Prius, with an average car insurance cost of $2,092 per year or less.

Ranking between positions 10 and 20, cars like the Mazda 3, Nissan Versa, Hyundai Sonata, Volkswagen Jetta, and Toyota Crown average between $2,092 and $2,222 per year to insure.

As a cost per month, car insurance rates in Rochester on this segment for an average middle-age driver can cost as low as $156 per month, depending on the company. The next table ranks the cars with the lowest-cost insurance rates in Rochester.

Cheapest Insurance for Cars in Rochester, NY
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,868$156
Nissan LeafCompact$1,882$157
Honda CivicCompact$1,902$159
Nissan SentraCompact$1,970$164
Subaru ImprezaCompact$1,976$165
Toyota PriusCompact$2,006$167
Kia K5Midsize$2,070$173
Honda AccordMidsize$2,074$173
Chevrolet MalibuMidsize$2,086$174
Toyota CorollaCompact$2,092$174
Kia ForteCompact$2,098$175
Volkswagen ArteonMidsize$2,110$176
Nissan VersaCompact$2,118$177
Subaru LegacyMidsize$2,120$177
Hyundai Ioniq 6Midsize$2,136$178
Mitsubishi Mirage G4Compact$2,168$181
Toyota CrownMidsize$2,172$181
Volkswagen JettaCompact$2,174$181
Hyundai SonataMidsize$2,178$182
Mazda 3Compact$2,222$185

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Rochester, NY, with the Toyota GR Corolla ranking first at $1,868 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Rochester, NY, with the Toyota GR Corolla ranking first at $1,868 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Rochester car insurance quotes from top-rated companies in New York.

Cheapest SUV insurance rates in Rochester, New York

The five cheapest SUVs to insure in Rochester are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Rates for for these models range from $1,586 to $1,710 per year.

Additional SUVs that have cheaper rates are the Toyota Corolla Cross, Mazda CX-5, Hyundai Venue, and Ford Bronco Sport, with average cost of $1,758 per year or less.

As a cost per month, full-coverage insurance on this segment in Rochester for a good driver starts at an average of $132 per month, depending on where you live.

If rates are ranked based on vehicle size, the cheapest compact SUV to insure in Rochester is the Subaru Crosstrek at $1,586 per year, or $132 per month. For midsize models, the Honda Passport is the cheapest model to insure at $1,710 per year, or $143 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe is cheapest to insure at $2,016 per year, or $168 per month.

The table below ranks the twenty SUVs with the cheapest average car insurance rates in Rochester, starting with the Subaru Crosstrek at $1,586 per year ($132 per month) and ending with the Subaru Ascent at $1,870 per year ($156 per month).

Cheapest Insurance for SUVs in Rochester, NY
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,586$132
Chevrolet TrailblazerCompact$1,612$134
Kia SoulCompact$1,674$140
Nissan KicksCompact$1,692$141
Honda PassportMidsize$1,710$143
Buick EnvisionCompact$1,720$143
Toyota Corolla CrossCompact$1,730$144
Hyundai VenueCompact$1,744$145
Mazda CX-5Compact$1,752$146
Ford Bronco SportCompact$1,758$147
Volkswagen TiguanCompact$1,778$148
Nissan MuranoMidsize$1,804$150
Buick EncoreCompact$1,822$152
Honda CR-VCompact$1,830$153
Subaru OutbackMidsize$1,830$153
Buick EnvistaMidsize$1,838$153
Volkswagen TaosCompact$1,840$153
Kia NiroCompact$1,848$154
Subaru AscentMidsize$1,870$156
Honda HR-VCompact$1,872$156

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Rochester, NY, with the Subaru Crosstrek ranking first at $1,586 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Rochester, NY, with the Subaru Crosstrek ranking first at $1,586 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Need rates for a different SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in New York.

Cheapest pickup truck insurance rates in Rochester

The four lowest-cost pickup trucks to insure in Rochester are the Chevrolet Colorado at $1,892 per year, Nissan Titan at $2,010 per year, Nissan Frontier at $2,030 per year, and Ford Ranger at $2,054 per year.

Not the cheapest, but still very affordable, are pickups like the Honda Ridgeline, Toyota Tacoma, GMC Sierra 2500 HD, and GMC Canyon, with an average cost of $2,212 per year or less.

Auto insurance rates in Rochester for this segment for a safe driver can cost as low as $158 per month, depending on your location and insurance company. The table below ranks the twenty pickups with the cheapest auto insurance rates in Rochester.

Cheapest Insurance for Pickups in Rochester, NY
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,892$158
Nissan TitanFull-size$2,010$168
Nissan FrontierMidsize$2,030$169
Ford RangerMidsize$2,054$171
Ford MaverickMidsize$2,082$174
Honda RidgelineMidsize$2,134$178
Hyundai Santa CruzMidsize$2,168$181
Toyota TacomaMidsize$2,178$182
GMC Sierra 2500 HDHeavy Duty$2,182$182
GMC CanyonMidsize$2,212$184
Jeep GladiatorMidsize$2,264$189
GMC Sierra 3500Heavy Duty$2,276$190
Chevrolet Silverado HD 3500Heavy Duty$2,298$192
Chevrolet Silverado HD 2500Heavy Duty$2,358$197
Chevrolet SilveradoFull-size$2,374$198
GMC SierraFull-size$2,374$198
Nissan Titan XDHeavy Duty$2,376$198
Ford F150Full-size$2,406$201
GMC Hummer EV PickupFull-size$2,466$206
Ram TruckFull-size$2,486$207

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NY Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Rochester, NY, with the Chevrolet Colorado ranking first at $1,892 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Rochester, NY, with the Chevrolet Colorado ranking first at $1,892 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Is your pickup truck missing from the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Rochester car insurance quotes from top companies in New York.

Cheapest luxury cars to insure in Rochester, NY

Ranking at the top of the list for the cheapest Rochester auto insurance rates in the luxury car segment are the Acura Integra, Mercedes-Benz CLA250, Acura TLX, BMW 330i, and Lexus IS 300. Auto insurance prices for these 2024 models average $185 or less per month.

Other luxury cars that have good average insurance rates are the Lexus RC 300, Mercedes-Benz AMG CLA35, Cadillac CT4, and Genesis G70, with an average cost to insure of $2,256 per year or less.

In the lower half of the top 20 luxury cars to insure, cars like the BMW 330e, Audi S3, Jaguar XF, BMW 228i, and Lexus ES 250 average between $2,256 and $2,408 per year for full-coverage insurance.

From a cost per month standpoint, auto insurance in Rochester on this segment can cost as low as $159 per month, depending on the company and where you live.

The cheapest small luxury car to insure in Rochester is the Acura Integra at $1,910 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,210 per year. And for full-size luxury cars, the Audi A5 is cheapest to insure at $2,554 per year.

The comparison table below ranks the luxury cars with the cheapest insurance in Rochester, starting with the Acura Integra at $1,910 per year and ending with the Audi S3 at $2,408 per year.

Cheapest Insurance for Luxury Cars in Rochester, NY
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,910$159
BMW 330iCompact$2,186$182
Mercedes-Benz CLA250Midsize$2,210$184
Lexus IS 300Midsize$2,214$185
Acura TLXCompact$2,222$185
Cadillac CT4Compact$2,242$187
Lexus ES 350Midsize$2,242$187
Genesis G70Compact$2,248$187
Mercedes-Benz AMG CLA35Midsize$2,250$188
Lexus RC 300Midsize$2,256$188
Lexus IS 350Compact$2,266$189
Jaguar XFMidsize$2,270$189
Cadillac CT5Midsize$2,316$193
Lexus ES 250Midsize$2,324$194
Lexus RC 350Compact$2,330$194
BMW 330eCompact$2,334$195
BMW 228iCompact$2,338$195
BMW 230iCompact$2,356$196
Lexus ES 300hMidsize$2,360$197
Audi S3Compact$2,408$201

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Rochester, NY, with the Acura Integra ranking first at $1,910 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Rochester, NY, with the Acura Integra ranking first at $1,910 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Don’t see your luxury car? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Rochester car insurance quotes from top-rated auto insurance companies in New York.

Cheapest luxury SUVs to insure in Rochester, NY

Ranking at the top of the list for the most affordable Rochester car insurance rates in the luxury SUV segment are the Lexus NX 250, Cadillac XT4, Cadillac XT5, Acura RDX, and Jaguar E-Pace. Insurance rates for these 2024 models average $2,026 or less per year, or around $169 per month.

Not the cheapest in the list, but still ranking well, are models like the Mercedes-Benz GLB 250, Lincoln Corsair, Lexus NX 450h, and Lexus UX 250h, with average annual insurance rates of $2,072 per year or less.

Some additional 2024 models that made the list include the Land Rover Evoque, Mercedes-Benz AMG GLB35, Infiniti QX50, Mercedes-Benz GLA35 AMG, and Lexus RX 350, which cost between $2,072 and $2,158 per year to insure.

As a cost per month, auto insurance rates in Rochester on this segment starts at an average of $150 per month, depending on your location.

If insurance rates are ranked by vehicle size, the most affordable small luxury SUV to insure in Rochester is the Acura RDX at $1,796 per year, or $150 per month. For midsize 2024 models, the Jaguar E-Pace is the cheapest model to insure at $2,010 per year, or $168 per month. And for full-size luxury SUV models, the Infiniti QX80 has the cheapest car insurance rates at $2,408 per year, or $201 per month.

The table below ranks the luxury SUVs with the lowest-cost car insurance rates in Rochester.

Cheapest Insurance for Luxury SUVs in Rochester, NY
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,796$150
Lexus NX 250Compact$1,902$159
Cadillac XT4Compact$1,940$162
Jaguar E-PaceMidsize$2,010$168
Cadillac XT5Midsize$2,026$169
Lexus NX 350hCompact$2,026$169
Lincoln CorsairCompact$2,050$171
Mercedes-Benz GLB 250Compact$2,054$171
Lexus UX 250hCompact$2,062$172
Lexus NX 450hCompact$2,072$173
Infiniti QX50Midsize$2,086$174
Mercedes-Benz GLA250Compact$2,092$174
Mercedes-Benz GLA35 AMGCompact$2,100$175
Cadillac XT6Midsize$2,102$175
Infiniti QX60Midsize$2,114$176
Mercedes-Benz AMG GLB35Midsize$2,114$176
Land Rover EvoqueCompact$2,142$179
Acura MDXMidsize$2,146$179
Lexus NX 350Compact$2,154$180
Lexus RX 350Midsize$2,158$180

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Rochester, NY, with the Acura RDX ranking first at $1,796 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Rochester, NY, with the Acura RDX ranking first at $1,796 per year.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Don’t see your luxury SUV in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in New York.

Cheapest sports car insurance rates in Rochester, NY

The three highest ranking sports cars with the most affordable average auto insurance rates in Rochester are the Mazda MX-5 Miata at $1,988 per year, the Toyota GR86 at $2,262 per year, and the Ford Mustang at $2,360 per year.

Also ranking in the top 10 are cars like the Lexus RC F, Subaru BRZ, BMW M2, and Nissan Z, with average insurance cost of $2,568 per year or less.

Auto insurance rates in Rochester for this segment for a good driver will start around $166 per month, depending on the company. The table below ranks the twenty sports cars with the lowest-cost car insurance in Rochester.

Cheapest Insurance for Sports Cars in Rochester, NY
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,988$166
Toyota GR86Sports Car$2,262$189
Ford MustangSports Car$2,360$197
BMW Z4Sports Car$2,374$198
Subaru WRXSports Car$2,408$201
Toyota GR SupraSports Car$2,414$201
BMW M2Sports Car$2,486$207
Nissan ZSports Car$2,490$208
Lexus RC FSports Car$2,538$212
Subaru BRZSports Car$2,568$214
BMW M3Sports Car$2,714$226
Porsche 718Sports Car$2,768$231
Chevrolet CamaroSports Car$2,792$233
Chevrolet CorvetteSports Car$2,976$248
Porsche 911Sports Car$3,078$257
BMW M4Sports Car$3,206$267
Lexus LC 500Sports Car$3,224$269
Jaguar F-TypeSports Car$3,390$283
Mercedes-Benz AMG GT53Sports Car$3,554$296
Porsche TaycanSports Car$3,638$303

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rochester, NY Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Rochester, NY, with the Mazda MX-5 Miata ranking first at $1,988 per year.
Ranking of the cheapest sports cars to insure in Rochester, NY, with the Mazda MX-5 Miata ranking first at $1,988 per year.

Don’t see insurance rates for your vehicle? Not a problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in New York.

Variability of auto insurance rates

To aid in understanding the extent to which the cost of the same car insurance policy can fluctuate for different applicants (and also emphasize the importance of accurate rate quotes), the examples below present comprehensive car insurance rates for four popular models in Rochester: the Chevrolet Silverado, Nissan Sentra, Kia Sorento, and Honda Accord.

Each example uses different risk profiles to illustrate how rates can be very different based on changes in the risk profile of the driver.

Chevrolet Silverado insurance rates

Insurance for a Chevrolet Silverado in Rochester costs an average of $2,374 per year, or around $198 per month, and varies from $1,970 to $5,516.

Average 2024 Chevrolet Silverado insurance premiums in Rochester for different driver ages and risk scenarios.
Figure 3: Average 2024 Chevrolet Silverado insurance premiums in Rochester for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Rochester includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Rochester, NY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,516$460
Safe Driver Age 20$4,824$402
At-fault Accidents Age 40$3,394$283
Low Deductibles Age 40$3,064$255
Safe Driver Age 30$2,528$211
Safe Driver Age 40$2,374$198
Safe Driver Age 50$2,110$176
High Deductibles Age 40$2,022$169
Safe Driver Age 60$1,978$165
Discount Rate Age 40$1,970$164

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 27, 2025

The Chevrolet Silverado is considered a full-size truck, and additional similar models include the Ram Truck, Ford F150, Toyota Tundra, and Nissan Titan.

Nissan Sentra insurance rates

In Rochester, Nissan Sentra insurance averages $1,970 per year, or about $164 per month, and varies from $1,632 to $4,472.

Average 2024 Nissan Sentra insurance premiums in Rochester for different driver ages and risk scenarios.
Figure 4: Average 2024 Nissan Sentra insurance premiums in Rochester for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Rochester includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Rochester, NY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,472$373
Safe Driver Age 20$3,890$324
At-fault Accidents Age 40$2,786$232
Low Deductibles Age 40$2,490$208
Safe Driver Age 30$2,088$174
Safe Driver Age 40$1,970$164
Safe Driver Age 50$1,762$147
High Deductibles Age 40$1,696$141
Safe Driver Age 60$1,644$137
Discount Rate Age 40$1,632$136

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 27, 2025

The Nissan Sentra belongs to the compact car segment, and other similar models that are popular in Rochester, New York, include the Hyundai Elantra, Volkswagen Jetta, Toyota Corolla, and Honda Civic.

Kia Sorento insurance rates

Insurance for a Kia Sorento in Rochester averages $2,038 per year, or about $170 per month, and has a range of $1,696 to $4,680 per year.

Average 2024 Kia Sorento insurance premiums in Rochester for different driver ages and risk scenarios.
Figure 5: Average 2024 Kia Sorento insurance premiums in Rochester for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Rochester includes all Zip Codes and vehicle trim levels.

2024 Kia Sorento Insurance Cost in Rochester, NY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,680$390
Safe Driver Age 20$4,100$342
At-fault Accidents Age 40$2,874$240
Low Deductibles Age 40$2,688$224
Safe Driver Age 30$2,176$181
Safe Driver Age 40$2,038$170
Safe Driver Age 50$1,806$151
High Deductibles Age 40$1,704$142
Discount Rate Age 40$1,696$141
Safe Driver Age 60$1,692$141

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 27, 2025

The Kia Sorento is part of the midsize SUV segment, and other popular same-segment models include the Kia Telluride, Honda Pilot, and Toyota Highlander.

Honda Accord insurance rates

Insurance for a Honda Accord in Rochester averages $2,074 per year (about $173 per month) and has a range of $1,726 to $4,768 for the driver characteristics in the chart.

Average 2024 Honda Accord insurance premiums in Rochester for different driver ages and risk scenarios.
Figure 6: Average 2024 Honda Accord insurance premiums in Rochester for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Rochester includes all Zip Codes and vehicle trim levels.

2024 Honda Accord Insurance Cost in Rochester, NY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,768$397
Safe Driver Age 20$4,176$348
At-fault Accidents Age 40$2,930$244
Low Deductibles Age 40$2,730$228
Safe Driver Age 30$2,214$185
Safe Driver Age 40$2,074$173
Safe Driver Age 50$1,838$153
High Deductibles Age 40$1,736$145
Discount Rate Age 40$1,726$144
Safe Driver Age 60$1,720$143

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated June 27, 2025

The Honda Accord is considered a midsize car, and other models popular in Rochester include the Kia K5, Chevrolet Malibu, Nissan Altima, and Hyundai Sonata.

Tips for finding cheaper Rochester car insurance quotes

Smart drivers should always be thinking of ways to pay less for insurance, so scan the money-saving tips below and see if you can save some money the next time you need to insure a vehicle.

  • Save money by qualifying for policy discounts. Discounted rates may be available if the insureds are homeowners, are claim-free, choose electronic billing, sign their policy early, or many other policy discounts which could save the average Rochester driver as much as $362 per year.
  • Remove unneeded coverage on older cars. Dropping comprehensive and collision coverage from older vehicles can reduce the cost of car insurance considerably.
  • Stay claim free. Insurance companies reduce rates a little if you do not file any claims. Car insurance should only be used in the case of significant claims, not for small claims.
  • Safe drivers have lower auto insurance rates. Too many at-fault accidents will increase rates, potentially up to $3,068 per year for a 20-year-old driver and even as much as $894 per year for a 40-year-old driver. So drive safe and save money!
  • Save money by raising deductibles. Increasing your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Shop around. Taking 5-10 minutes before every policy renewal to get some free car insurance quotes could save a pile of cash. Rates change quite often and you do not have to wait for your renewal to change companies.
  • Compare insurance rates before buying a car. Different vehicle models have very different car insurance rates, and insurance companies can charge a wide range of costs. Check prices before you buy a new vehicle in order to prevent insurance sticker shock when you get your first insurance bill.