Not only is obtaining auto insurance in Rochester required, but it also protects you from large out of pocket costs if involved in a traffic accident.
By carrying the appropriate amount of coverage, you can rest assured that you are fully protected should the unexpected happen. So just how do you go about finding the right kind of protection when there seems to be so many options available today?
Shopping for auto insurance online is one of the easiest ways to access a large amount of information about insurance companies and then compare the rates and coverage they offer. Our online insurance quoting system provides instant rate quotes along with all the coverage features available to fully protect your vehicle.
Simply enter your zip code above to get top rated insurance company quotes delivered right to your browser.
Car Insurance Agents in Rochester
Local car insurance agents offer knowledge and expertise to drivers when they are shopping for auto insurance in Rochester. Not only are they familiar with the unique needs of the community, but their experience with New York insurance laws makes them an important resource for finding and comparing coverage.
In addition, local agents offer personal service when you need it so those who like to be able to drop by an office location will find it beneficial to have access to a personal insurance agent near their home or office.
Rochester is home to 42 Allstate Insurance agents conveniently located to provide insurance quotes, coverage and policy services.
Farmers Insurance does not offer car insurance in Rochester. One of the Farmers Group of Companies, 21st Century Insurance, provides online quotes to Rochester motorists seeking this coverage.
One Geico Insurance agent is available to personally assist drivers with their Rochester auto insurance. New York motorists may also choose to purchase coverage over the phone or on the company’s website.
To purchase car insurance in Rochester, New York residents may choose to work with Progressive agents or brokers. Progressive Insurance agents offer car insurance and are paid commissions directly from Progressive. Brokers who represent Progressive receive compensation from Progressive and also have the option of charging a fee for service to clients. There are 7 agencies and brokerages in the area who offer Rochester car insurance policies.
State Farm Insurance has a team of 50 agents representing Rochester and the surrounding cities including Greece, Webster, Henrietta, Pittsford, Penfield, Fairport, Spencerport, Hilton, Macedon, Victor, Brockport, Canandaigua, Geneseo, Batavia, Geneva, Warsaw, Medina, Penn Yan, Seneca Falls and Lockport.
If you would like your agency included in our list of resources, send us an email using our contact form. Individual agent listings are only accepted as a paid feature option at the present time.
Rochester Car Insurance Rates
Rochester residents enjoy a much lower average car insurance rate than other New York cities. CarInsurance.com reports that Rochester auto insurance averages $1,596, which is 42 percent lower than New York’s average of $2,739 and 20 percent lower than the national average of $1,998.
Driving in Rochester
Rochester’s population makes it the 3rd largest city in New York, and its metro area actually encompasses six counties: Monroe, Genesee, Livingston, Ontario, Orleans and Wayne.
According to the U.S. Census, the Rochester metro area has a population of almost 1.1 million people. The city’s highways, freeways and streets are all interconnected to make it easy to travel within the area without the typical traffic gridlock found in similar cities of the same population size.
According to the Inrix.com National Traffic Scorecard report Rochester ranks 63 out of 100 cities with the most traffic congestion, and the 2011 Best Drivers Report by Allstate Insurance ranked the city 118 out of 200 for safe drivers with the chances of experiencing a car accident averaging 13.4 percent.
The National Highway Traffic Safety Administration found that Monroe County, where Rochester is located, ranked 7 out of all 62 counties in New York for car accident related deaths. In 2010, Monroe’s traffic fatalities numbered 49, which was an 88 percent increase from 2006 to 2010.
Monroe County maintains a real time traffic report for Rochester and surrounding areas on their website. It lists traffic incidents, road closures, construction and weather related events so that drivers may plan their morning and afternoon commutes to avoid delays.
New York Auto Insurance Laws
In the state of New York, all drivers must have liability insurance and be able to show proof of that coverage if they are stopped on the road. Uninsured drivers face strict penalties including fines of up to $1,500 and license suspension. New York auto insurance details may be found on our state resource guide.
You’ll find all you need to know about minimum insurance coverage and types so that you can accurately plan for which car insurance in New York is best for you.
Rochester Car Insurance Quotes
When shopping for Rochester car insurance, you need to consider more than just budget. Having the right amount of coverage is important to fully protecting yourself from the potential costs of a traffic accident. Without the proper amount of coverage, you could face large out of pocket expenses.
With careful planning, you can obtain appropriate amounts of auto insurance that also meet your budget. Find affordable Rochester auto insurance by entering your zip code in the provided form. You’ll receive multiple quotes instantly so you can compare coverage and costs with ease.