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

• Rochester car insurance cost averages $1,582 per year, or approximately $132 per month, for a full-coverage policy.
• For cheap car insurance in Rochester, New York, small SUVs like the Subaru Crosstrek, Kia Soul, Toyota Corolla Cross, and Honda CR-V have some of the best rates.
• Models with the lowest cost auto insurance in their automotive segment include the Honda Passport ($1,260 per year), Hyundai Ioniq 6 ($1,454 per year), Acura Integra ($1,408 per year), and Acura RDX ($1,322 per year).

How much does Rochester car insurance cost?

The average cost to insure a vehicle in Rochester is $1,582 per year, which is 17.4% less than the U.S. average rate of $1,883. The average cost per month for car insurance in Rochester is $132 for a full-coverage car insurance policy.

Average car insurance cost in New York is $2,184 per year, so Rochester, NY, drivers pay an average of $602 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 $1,042 per year cheaper than in Yonkers, $1,658 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 – $5,630 per year or $469 per month
• 17-year-old driver – $5,455 per year or $455 per month
• 18-year-old driver – $4,890 per year or $408 per month
• 19-year-old driver – $4,453 per year or $371 per month
• 20-year-old driver – $3,178 per year or $265 per month
• 30-year-old driver – $1,688 per year or $141 per month
• 40-year-old driver – $1,582 per year or $132 per month
• 50-year-old driver – $1,400 per year or $117 per month
• 60-year-old driver – $1,312 per year or $109 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.

In the chart above, the cost of car insurance in Rochester ranges from $1,316 per year for a 40-year-old driver who meets many discount requirements to $3,638 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 $110 to $303 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 $1,286 or less per year ($107 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 Volkswagen Taos.

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 $113 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.

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.

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 $1,478 per year for full coverage insurance to the Mercedes-Benz AMG GLE63 at $2,666 per year, a difference of $1,188 within that segment.

As another example, in the large SUV segment, average rates range from the Chevrolet Tahoe costing $1,486 per year up to the Toyota Sequoia at $1,978 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 $1,374 to $1,454 per year.

Other models that have cheaper rates are the Chevrolet Malibu, Honda Accord, Kia K5, and Hyundai Ioniq 6, with an average car insurance cost of $1,534 per year or less.

Ranking between positions 10 and 20, cars like the Mazda 3, Volkswagen Arteon, Hyundai Sonata, Volkswagen Jetta, and Toyota Crown average between $1,534 and $1,634 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 $115 per month, depending on the company. The next table ranks the cars with the lowest-cost insurance rates in Rochester.

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 $1,168 to $1,260 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 $1,296 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 $97 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 $1,168 per year, or $97 per month. For midsize models, the Honda Passport is the cheapest model to insure at $1,260 per year, or $105 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe is cheapest to insure at $1,486 per year, or $124 per month.

The table below ranks the twenty SUVs with the cheapest average car insurance rates in Rochester, starting with the Subaru Crosstrek at $1,168 per year ($97 per month) and ending with the Honda HR-V at $1,374 per year ($115 per month).

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 $1,354 per year, Nissan Titan at $1,478 per year, Nissan Frontier at $1,498 per year, and Ford Ranger at $1,510 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 $1,626 per year or less.

Auto insurance rates in Rochester for this segment for a safe driver can cost as low as $113 per month, depending on your location and insurance company. The table below ranks the twenty pickups with the cheapest auto insurance rates in Rochester.

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 $136 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 $1,664 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 $1,664 and $1,774 per year for full-coverage insurance.

From a cost per month standpoint, auto insurance in Rochester on this segment can cost as low as $117 per month, depending on the company and where you live.

The cheapest small luxury car to insure in Rochester is the Acura Integra at $1,408 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,628 per year. And for full-size luxury cars, the Audi A5 is cheapest to insure at $1,874 per year.

The comparison table below ranks the luxury cars with the cheapest insurance in Rochester, starting with the Acura Integra at $1,408 per year and ending with the Audi S3 at $1,774 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 $1,492 or less per year, or around $124 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 $1,526 per year or less.

Some additional 2024 models that made the list include the Acura MDX, Mercedes-Benz AMG GLB35, Infiniti QX50, Cadillac XT6, and Lexus NX 350, which cost between $1,526 and $1,586 per year to insure.

As a cost per month, auto insurance rates in Rochester on this segment starts at an average of $110 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 $1,322 per year, or $110 per month. For midsize 2024 models, the Jaguar E-Pace is the cheapest model to insure at $1,478 per year, or $123 per month. And for full-size luxury SUV models, the Infiniti QX80 has the cheapest car insurance rates at $1,774 per year, or $148 per month.

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

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 $1,466 per year, the Toyota GR86 at $1,666 per year, and the Ford Mustang at $1,738 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 $1,892 per year or less.

Auto insurance rates in Rochester for this segment for a good driver will start around $122 per month, depending on the company. The table below ranks the twenty sports cars with the lowest-cost car insurance in Rochester.

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 $1,748 per year, or around $146 per month, and varies from $1,450 to $4,058.

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 $1,448 per year, or about $121 per month, and varies from $1,204 to $3,292.

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 $1,500 per year, or about $125 per month, and has a range of $1,248 to $3,446 per year.

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 $1,526 per year (about $127 per month) and has a range of $1,270 to $3,512 for the driver characteristics in the chart.

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 $266 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 $2,260 per year for a 20-year-old driver and even as much as $656 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 $300 per year for a 40-year-old driver and $588 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.