{"id":33002,"date":"2021-09-23T15:36:01","date_gmt":"2021-09-23T22:36:01","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=33002"},"modified":"2023-08-25T05:51:53","modified_gmt":"2023-08-25T12:51:53","slug":"rochester","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/new-york\/rochester\/","title":{"rendered":"Cheap Car Insurance in Rochester"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61327313bd9be\">\n    <div class=\"o-wrapper \">\n        \n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Located in Upstate New York, Rochester is a global center for science, technology, and research and development companies. With an estimated population of 205,695, it is the third-largest city in the state of New York, behind New York City and Buffalo.<\/p>\n<h3 style=\"text-align: left;\">Quick Facts<\/h3>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>The average cost of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">car insurance<\/a> in Rochester is about $1,296 per year.<\/li>\n<li>The number of fatal accidents in Rochester is higher than the state average.<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_61327356bd9bf\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">How Much Does Car Insurance Cost in Rochester?<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p class=\"FirstParagraph\">Car insurance is more affordable in Rochester than it is in many parts of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/new-york\/\"><u>New York<\/u><\/a>. Drivers pay an average of $1,296 per year for car insurance in Rochester. That\u2019s over 31% less than the state average of $1,704 and about 19% below the national average of $1,548.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Average Car Insurance Cost<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Hempstead <\/td>\n                                                                                            <td>$3,133<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>New York City <\/td>\n                                                                                            <td>$3,004<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td><strong>Rochester<strong><\/strong><\/strong><\/td>\n                                                                                            <td><strong>$1,704<strong><\/strong><\/strong><\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Buffalo <\/td>\n                                                                                            <td>$1,699<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Syracuse <\/td>\n                                                                                            <td>$1,417<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_613273e9bd9c0\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Rochester Car Insurance Rates by Zip Code<\/h3>\n<p class=\"FirstParagraph\">The zip code you live in can impact how much your car insurance will cost. There are 40 different zip codes in Rochester, and each one can be subject to different auto insurance rates. Other factors about the zip code area, such as the number of accidents or car thefts, also affect the car insurance rates.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip Code<\/th>\n                                                                                            <th>Average Car Insurance Cost<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>14624 <\/td>\n                                                                                            <td>$971<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14609 <\/td>\n                                                                                            <td>$1,173<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14626 <\/td>\n                                                                                            <td>$1,236<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14612 <\/td>\n                                                                                            <td>$1,173<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14616 <\/td>\n                                                                                            <td>$1,156<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14602 <\/td>\n                                                                                            <td>$1,012<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14604 <\/td>\n                                                                                            <td>$871<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_61327497bd9c1\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Rochester Car Insurance Rates by Age<\/h3>\n<p class=\"FirstParagraph\">Your age is a significant determining factor in how much you\u2019ll pay for car insurance in Rochester. Teenagers who\u2019ve just gotten their driver\u2019s license will have to pay over twice as much as drivers in their 20s, 30s, 40s and 50s. Drivers older than 70 will also have to pay about $192 more for car insurance than they did when they were in their 60s.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Average Car Insurance Cost<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers <\/td>\n                                                                                            <td>$4,109<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s <\/td>\n                                                                                            <td>$1,721<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s <\/td>\n                                                                                            <td>$1,287<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s <\/td>\n                                                                                            <td>$1,263<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s <\/td>\n                                                                                            <td>$1,213<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s <\/td>\n                                                                                            <td>$1,251<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s <\/td>\n                                                                                            <td>$1,443<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6132753fbd9c2\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Rochester<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">How Many Fatal Accidents Happen in Rochester?<\/h3>\n<p>Fatal accidents in Rochester are higher than the average in New York state. In 2019, 14 people were killed in 12 fatal accidents in Rochester, New York. One of those fatal accidents was due to a drunk driver.<\/p>\n<h3 style=\"text-align: left;\">How Are the Road Infrastructure and Bridges in Rochester?<\/h3>\n<p>City streets in Rochester are the responsibility of the city\u2019s Department of Environmental Services. The city administers street improvement projects that are funded by the state or Monroe County.<\/p>\n<p>In 2018, the city of Rochester started a <a href=\"https:\/\/reconnectrochester.org\/programs\/complete-streets-makeover\/\" target=\"_blank\" rel=\"noopener\"><u>Complete Streets Makeover<\/u><\/a> (CSM) program to bring attention to complete street design as a critical factor in creating safe streets for drivers, pedestrians, bicyclists, and transit riders.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6132759ebd9c3\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Rochester<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Since New York is a no-fault state, you\u2019ll have to use your own car insurance policy to cover any damages or injuries you receive if you get in an accident. That is probably why the minimum car insurance coverage in Rochester and New York state is more extensive than in other states.<\/p>\n<p>For liability coverage, New York follows the 25\/50\/10 rule:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>$25,000 for Bodily Injury Liability per person<\/li>\n<li>$50,000 for Total Bodily Injury Liability<\/li>\n<li>$10,000 for Property Damage Liability<\/li>\n<\/ul>\n<p>In addition to this liability coverage, drivers in Rochester are also required to carry:<\/p>\n<ul>\n<li>$50,000 for individual personal injury protection<\/li>\n<li>$25,000 for individual uninsured\/underinsured bodily injury<\/li>\n<li>$50,000 for per accident uninsured\/underinsured bodily injury<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_613275eebd9c4\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Rochester Car Insurance Rates<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Many factors affect the car insurance rates that you will pay in Rochester. For example, married drivers can save about $4 per year on car insurance premiums more than single drivers.<\/p>\n<p>Your driving record, such as tickets you\u2019ve gotten for speeding or fender benders you\u2019ve been in, is one of the most significant factors impacting your insurance rates. Other factors include:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Age<\/li>\n<li>Gender<\/li>\n<li>Marital status<\/li>\n<li>Credit Score<\/li>\n<li>Vehicle make, model and year<\/li>\n<li>Education<\/li>\n<li>Occupation<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"list-icons-block_61368694bf036\" class=\"c-section \">\n    <div class=\"o-wrapper  \">\n                                    <h2 class=\"c-section__title\">Discounts for Car Insurance in Rochester<\/h2>\n                            <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>You can save money on car insurance premiums in New York state by proving you are a safe driver by completing a DMV-approved New York defensive driving course. The New York Internet Point and Insurance Reductions Program (IPIRP) is an online course that provides those who pass it a mandatory 10% insurance discount for three years. By taking the course, you also get a four-point reduction on your driving record.<\/p>\n<p>Insurance companies may also offer different discounts on policies. Some other discounts that may be available include:<\/p>\n                <\/div>\n            \n                            <div class=\"c-saving-features\">\n                    <ul class=\"o-list-bare c-saving-features__list\">\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/09\/money-1.svg\" alt=\"Icon money\">\n                            <p class=\"c-saving-features__list-text\">On-time payment discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/student.svg\" alt=\"Blue icon of a graduation cap\">\n                            <p class=\"c-saving-features__list-text\">Good student discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/military.svg\" alt=\"Green icon of a military man\">\n                            <p class=\"c-saving-features__list-text\">Military discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/anti-theft.svg\" alt=\"Pink icon of a thief\">\n                            <p class=\"c-saving-features__list-text\">Anti-theft discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/mature.svg\" alt=\"Orange icon of an elderly man\">\n                            <p class=\"c-saving-features__list-text\">Senior discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/multi-car.svg\" alt=\"Blue icon of two cars\">\n                            <p class=\"c-saving-features__list-text\">Multi-car discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/09\/Icons_Opportunity_699-2.svg\" alt=\"Orange icon of a document with a checklist\">\n                            <p class=\"c-saving-features__list-text\">Multi-policy discount<\/p>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n                        \n            \n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_6132762bbd9c6\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Rochester?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>You can face some steep fines if you drive in Rochester without car insurance. All vehicles registered in New York must carry the minimum insurance required. If you are pulled over without the mandatory insurance, you must surrender your vehicle plates to the DMV and face a penalty of between $150 and $1,500. You could also have your car impounded or end up in jail for up to 15 days for the infraction.<\/p>\n<p>In the worst-case scenario, your driver\u2019s license and registration will be revoked, and it will cost $750 to get it reinstated. If you let the lapse in your insurance coverage last more than 90 days, your driver\u2019s license will also be suspended, and you will face fines for each day of the suspension.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_61327654bd9c7\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get a Quote for Car Insurance in Rochester Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/09\/rochester.jpg\" alt=\"Downtown Rochester skyline in the background with a stone bridge, the Genesee River, and plants in the foreground.\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>Finding a <a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\/\">cheap car<\/a> insurance plan that provides you with at least the minimum coverage required in your state can end up costing you less down the road if you should be pulled over without it.<\/p>\n<p>Contact Freeway Insurance today. Get started with a quote <a href=\"#modal-turbo\">online<\/a>, visit us at a <a href=\"https:\/\/locations.freeway.com\/?search=Rochester&#038;latitude=&#038;longitude=&#038;radio=20&#038;time=open-any\" target=\"_blank\" rel=\"noopener\">Rochester office<\/a> near you, or call us at <a href=\"tel:800-777-5620\">(800) 777-5620<\/a> for a quote.<\/p>\n                <\/div>\n                                            <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-big\" href=\"#modal-turbo\"  >\n                                                                                        Get Started                                            <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":25493,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/33002"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=33002"}],"version-history":[{"count":18,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/33002\/revisions"}],"predecessor-version":[{"id":44436,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/33002\/revisions\/44436"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25493"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=33002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}