Cheap Car Insurance in Rochester, New York (With 2022 Rates)

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Lowest Premium

$276 / YEAR

Average Premium

$768 / YEAR

Highest Premium

$1156 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Rochester is around $768 and can go upto $1156. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

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Car Insurance Rates in Rochester by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Rochester. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

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ZipAvg. Premium
14602$838
14604$794
14605$816
14606$701
14607$703
14608$806
14609$677
14610$665
14612$671
14613$771
14614$792
14615$669
14616$666
14617$659
14620$678
14621$753
14622$660
14624$686
14625$653
14626$664
14627$822

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Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.