Cheapest Car Insurance Quotes in East Rochester

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East Rochester Car Insurance

^$ 33

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in East Rochester

The car insurance rate in East Rochester is $761 for a six-month policy, which is $268 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in East Rochester can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in East Rochester

$761

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in East Rochester

1st place: Kemper

At $408 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $541 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $545 for six months, making it the third cheapest auto insurance company in East Rochester.

East Rochester Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Rochester, NY is Kemper, offering policies at just $408 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $541.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1138 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Rochester drivers find the best deals.

Cheap Car Insurance Companies in East Rochester, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$408	$70
New York Central Mutual Fire	$541	$90
Progressive	$545	$92
American Family	$633	$107
NYCM	$664	$112
Erie	$796	$132
Nationwide	$800	$136
USAA	$804	$135
State Farm	$998	$168
Travelers	$1051	$177
Allstate	$1138	$192

Key Takeaways

Way's key takeaways about car insurance in East Rochester

The auto insurance costs in East Rochester fall around $408 for six months.
The cheapest auto insurance company in East Rochester is New York Central Mutual Fire.
Teen drivers pay the highest rate in East Rochester at $580 per month.

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Cheapest Minimum Liability Car Insurance in East Rochester

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in East Rochester are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in East Rochester. Their Average 6 Month Premium is $193. Preferred Mutual is the most expensive at $510 for the same period.

Cheapest Liability Coverage in East Rochester, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$193	$33
NYCM	$202	$34
Kemper	$238	$39
Progressive	$281	$47
American Family	$286	$48
USAA	$347	$58
Nationwide	$369	$61
Erie	$466	$79
State Farm	$541	$91
Travelers	$580	$98
Allstate	$607	$102
Utica National	$422	$72
Preferred Mutual	$510	$85

Cheapest Full Coverage Car Insurance in East Rochester

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in East Rochester is Kemper at $70 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Rochester, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$408	$70
New York Central Mutual Fire	$541	$90
Progressive	$545	$92
American Family	$633	$107
NYCM	$664	$112
Erie	$796	$132
Nationwide	$800	$136
USAA	$804	$135
State Farm	$998	$168
Travelers	$1051	$177
Allstate	$1138	$192

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Average Car Insurance in East Rochester by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in East Rochester, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in East Rochester, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, East Rochester's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in East Rochester

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$417
30s	National Grange Mutual	$297
40s	National Grange Mutual	$286
50s	National Grange Mutual	$290
60s	National Grange Mutual	$312
70s	National Grange Mutual	$428

Cheapest Car Insurance Rates for Teen Drivers in East Rochester,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the East Rochester at $46 per month. At $3446 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$277	$46
American Family	$334	$56
NYCM	$558	$94
Progressive	$884	$149
New York Central Mutual Fire	$963	$161
USAA	$1767	$297
Nationwide	$2308	$385
Travelers	$2857	$481
Allstate	$3090	$520
State Farm	$3446	$580

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in East Rochester.

As young drivers face the highest rates in East Rochester, National Grange Mutual offers the cheapest auto insurance rates at $417 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in East Rochester, Chubb is the cheapest car insurance provider. At $593 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in East Rochester is Progressive, offering rates of around $3829 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$593	$99
Kemper	$620	$105
Nationwide	$800	$133
USAA	$1108	$189
NYCM	$1156	$192
Erie	$1253	$213
American Family	$1473	$246
Allstate	$1507	$254
State Farm	$1561	$263
Mercury	$1833	$312
Travelers	$1872	$315
Progressive	$3829	$645

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Car Insurance Rates with An Accident in East Rochester

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In East Rochester, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in East Rochester

The cheapest car insurance companies after an at-fault accident in East Rochester include Kemper and American Family, offering $343 and $352, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $426.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$343	$57
American Family	$352	$59
NYCM	$426	$72
Erie	$466	$79
Chubb	$514	$86
Progressive	$562	$95
New York Central Mutual Fire	$650	$109
USAA	$699	$118
Nationwide	$1051	$175
Allstate	$1060	$178
State Farm	$1279	$215
Travelers	$1301	$219
Utica National	$422	$72
Preferred Mutual	$426	$71

East Rochester Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Rochester NY. For example, the car insurance in East Rochester after a DUI increases to $528 for a six month policy. While the rate increases by $84 for a six-month policy in the case of a speeding ticket.

East Rochester auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$927	$155
One Med/PIP claim	$927	$158
One comp claim	$936	$156
Two comp claims	$945	$161
Two Med/PIP claims	$945	$158
Not-at-fault accident	$949	$161
Failure to show documents	$963	$161
Failure to wear a seat belt	$967	$164
Driving with expired registration	$976	$163
At-fault accident - less than $1000	$981	$167
Cell phone violation	$981	$164
Child safety restraint	$981	$167
Driving without lights	$981	$164
Failure to stop at a red light	$981	$167
Failure to yield	$981	$164
Following too closely	$981	$167
Illegal turn	$981	$164
Improper passing	$981	$167
Passing school bus	$981	$164
Texting while driving	$981	$167
Wrong way/wrong lane	$981	$164
Driving too slowly	$989	$168
Speeding in school zone	$989	$165
At-fault accident - $1000-$2000	$993	$169
Speeding 11 - 15 MPH over limit	$1011	$169
Speeding 6 - 10 MPH over limit	$1011	$172
Operating a vehicle without permission	$1029	$172
Open container	$1042	$177
In 65 MPH zone	$1086	$181
Speeding 16 - 20 MPH over limit	$1099	$187
Speeding 21 - 25 MPH over limit	$1138	$189
At-fault accident - greater than $2000	$1226	$209
Reckless driving	$1310	$218
Racing	$1362	$232
Driving with a suspended license	$1411	$235
Refusal to submit to a chemical test	$1442	$245
DUI	$1455	$243
Leaving scene of an accident/hit and run	$1477	$251

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in East Rochester after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in East Rochester.

The cheapest car insurance premiums in East Rochester are offered by American Family at $334 for a six-month policy. However, it can be as expensive as $1490 with companies like State Farm.

East Rochester car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$334	$56
Kemper	$352	$60
Progressive	$426	$72
NYCM	$537	$90
New York Central Mutual Fire	$791	$132
USAA	$844	$142
Allstate	$1253	$211
Travelers	$1288	$217
Nationwide	$1305	$218
State Farm	$1490	$251

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in East Rochester are offered by American Family at $295. However, it can be as expensive as $1512 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in East Rochester after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$295	$50
Kemper	$295	$49
Progressive	$365	$61
NYCM	$488	$81
USAA	$664	$113
Nationwide	$915	$152
State Farm	$989	$168
Travelers	$1446	$241
Allstate	$1512	$257

Car Insurance Price Trends in East Rochester, New York

Car insurance rates in East Rochester have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the East Rochester dipped by $183 in December compared to $184 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the East Rochester dipped to $63 in December, compared to $65 in November. This represents an decrease of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in East Rochester?

The car insurance in East Rochester is $33 per month, which is lower than the national average.

What is the cheapest car insurance in East Rochester?

The cheapest car insurance in East Rochester is $70 per month for full coverage.

How much is car insurance in East Rochester for teenagers?

Car insurance for teenagers costs $277 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in East Rochester?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $128 per month to insure your car in East Rochester.

Is car insurance expensive in East Rochester?

Car insurance can be expensive in East Rochester if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in East Rochester can be affordable.

Cheapest Car Insurance Quotes in East Rochester

Why you can trust Way?

How Much Is Car Insurance in East Rochester

Avg. Car Insurance in East Rochester

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in East Rochester

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

East Rochester Car Insurance Rates by Company

Cheap Car Insurance Companies in East Rochester, NY

Way's key takeaways about car insurance in East Rochester

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Rochester

Cheapest Liability Coverage in East Rochester, NY

Cheapest Full Coverage Car Insurance in East Rochester

Cheapest Full Coverage Car Insurance Quotes in East Rochester, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Rochester by Rating Factor

I have a clean driving record. Why is my car insurance rate here in East Rochester, NY increasing?

Car Insurance Premiums by Age in East Rochester

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Rochester,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in East Rochester.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in East Rochester

Cheapest Car Insurance Companies after an At-Fault Accident in East Rochester

East Rochester Car Insurance Rates by Violation

East Rochester auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Rochester after a DUI

East Rochester car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Rochester after Speeding ticket

Car Insurance Price Trends in East Rochester, New York

Average Car Insurance Cost in East Rochester by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Rochester, NY

Car Insurance Rates by State in the USA (2025 Update)

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