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The Best Cheap Auto Insurance in Rochester, New York

Compare quotes from our top picks to save money on car insurance in New York.

Best Cheap Auto Insurance for Homeowners in Rochester, New York
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We put State Farm on our list of best home and auto insurance bundles because it provides a hefty 17 percent maximum discount for bundling home and auto. The company caters to local needs with exclusive agents who work in the community they serve.

Best Cheap Auto Insurance for Veterans in Rochester, New York
USAA Logo 2023

USAA tailors its services to military members, offering the best rates and high customer satisfaction ratings to veterans and their families. It’s our overall pick for the best auto insurance for veterans.

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Rochester is the third-largest metro area in New York, home to 210,000 people. The city is conveniently located near many travel destinations, including Lake Ontario, Canada, Buffalo, the Finger Lakes, and New York City. It’s also home to both the University of Rochester and the Rochester Institute of Technology. Auto insurance in Rochester is cheaper than in New York City, but if your goal is to save money, you should be on the lookout for the best deal for your specific circumstances. We polled the top auto insurance providers in New York State to determine which best serves the needs of Rochester residents.

The Best Cheap Auto Insurance in Rochester, New York

  1. 1.

    Best Cheap Auto Insurance for Homeowners in Rochester, New York: State Farm

  2. 2.

    Best Cheap Auto Insurance for Veterans in Rochester, New York: USAA

Comparison of the Best Cheap Auto Insurance in Rochester, New York

Annual cost of full coverage auto insurance Annual cost of minimum coverage auto insurance Student discount Multi-policy discount Multi-car/family Review
State Farm $1,817 $813 Yes Yes Yes State Farm review
USAA $1,915 $1,242 Yes Yes Yes USAA review


If you’re looking for statewide regulations and guidelines, check out our guide to auto insurance in New York.

Detailed List of the Best Cheap Auto Insurance in Rochester, New York

1. Best Cheap Auto Insurance for Homeowners in Rochester, New York - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

State Farm is one of the largest auto insurance providers in the country. As such, it caters to a number of different groups. For example, it offers sizable discounts for college students and homeowners alike. It has a sophisticated mobile app and in-person customer service via its network of 19,000 exclusive agents.

ProsWho It's Best For
  • pro
    Home or condo owners
  • pro
    College students
  • pro
    People who prefer to work with a local agent
ConsWho It's Not Best For
  • con
    Military and federal employees
  • con
    Drivers with a poor record

Condo Owners

Information gathered from the U.S. Census Bureau shows that 37 percent of people in Rochester own their home.1 State Farm offers extensive coverage for condo owners, in particular, with protection against weather damage and discharge from plumbing systems. It advertises savings of up to $1,073, or 17 percent, when you bundle auto and condo insurance.

College Students

In addition to being one of our preferred options for homeowners looking to bundle their policies, State Farm is on our list of best auto insurance providers for college students. We like that the company offers safe driving discounts specifically for young drivers, discounts for students who live more than 100 miles from home, and savings if you keep your GPA above 3.0.

Local Customer Service

If you own a TV or streaming device, you’ve most likely heard the State Farm jingle: “Like a good neighbor, State Farm is there.” The truth behind the marketing is that State Farm’s local agents do provide a significant benefit if you want to work with a real person who is familiar with your city. State Farm’s find an agent tool offers more than 20 options in Rochester if you want to work with an agent.


If you want to ensure you get the cheapest auto insurance in New York, you can opt to purchase the minimum coverage required, look for discounts, and increase your deductible. If all else fails, look into the New York Automobile Insurance Plan for affordable rates.

2. Best Cheap Auto Insurance for Veterans in Rochester, New York - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

USAA caters to a unique clientele: U.S. Armed Forces service members, families, and veterans. It provides specialized coverage options, lower-than-average insurance rates, and excellent customer service, according to third-party ratings companies like J.D. Power.

ProsWho It's Best For
  • pro
    Active-duty military members, veterans, and their families
  • pro
    Drivers with a clean record
  • pro
    People who don’t drive regularly
ConsWho It's Not Best For
  • con
    Non-USAA members
  • con
    Non-military members or families

Insurance Eligibility

According to U.S. census information, there are 6,614 veterans living in Rochester and 17.4 million military veterans across the country, making up nearly 7 percent of the population.

USAA provides coverage only to active-duty military, veterans, precommissioned officers, and military families. To qualify, you or a family member must be a USAA member separated or retired from the U.S. Armed Forces with an honorable or general under honorable conditions discharge. One of the things we like best about USAA is its cheap rates for teens on a family policy or transitioning off their parents’ policy — if your parent is a USAA member, you’ll get the benefits too.

Usage-Based Insurance

USAA offers usage-based insurance. If you don’t drive often — either because you’re retired, working from home, or living on a college campus — usage-based insurance offers savings compared to conventional insurance premiums. Drivers pay for coverage monthly, with a base rate and a variable rate per mile.

Safe Driving Discounts

You can save up to 30 percent with USAA’s telematics program, SafePilot. You get 10 percent off for enrolling, then additional discounts based on how well you’re driving. USAA tracks your driving habits — including texting while driving — via its SafePilot app. On your next renewal, it will provide you with a new rate based on how safely you drive and reset your score for the next policy period.

USAA also provides defensive driving and driver training discounts if you maintain a good driving record for more than five years and complete an approved defensive driving or driver training course.


We chose the best cheap auto insurance providers in Rochester using a three-pronged approach:

  • Company information: The biggest differentiators between auto insurance companies are the coverages and discounts each offers its customers. We do a deep dive into every company, taking into account third-party customer satisfaction and financial strength ratings, and analyze the pros and cons based on the city or state you’re in.
  • Proprietary data: We have 20 years’ worth of data on car insurance transactions. We analyze this information to determine which companies cater to which types of customers — saving you time when researching auto insurance options.
  • Institutional knowledge: We’ve amassed over two decades of institutional knowledge regarding each insurance provider, its strengths, and weaknesses. More specifically, we consult with Paul Ford, the president of insurance at Centerfield,’s parent company. Paul has spent nearly three decades in the insurance industry, with tenures at Canadian Access, Inslogic, Capital One Insurance Services, NetQuote, Bankrate, and Datalot. We leverage Paul’s extensive knowledge of car insurance to help customers find their perfect policies.

Rochester, New York, Auto Insurance FAQ

What is the state-required auto insurance coverage in New York?

The state-required auto insurance coverage in New York is bodily injury liability of $25,000 per person/$50,000 per accident, property damage liability of $10,000, uninsured motorist coverage of $25,000 per person/$50,000 per accident, personal injury protection of $50,000, and death coverage of $50,000 for one person in an accident or $100,000 for two or more deaths in an accident.

Do you need to register your car in New York before getting insurance?

You do need to purchase insurance before applying for a vehicle registration in New York.

Who has the cheapest car insurance in New York?

We found cheap auto insurance rates in New York from Allstate, American Family, Erie, GEICO, NYCM, Progressive, State Farm, and USAA. Your auto insurance rate will depend on your driving record, credit score, demographic information (like gender, age, marital status), and amount of coverage.

What is the average car insurance in New York?

The average annual car insurance premium in New York is $1,436.


  1. QuickFacts: Rochester city, New York. United States Census. (2023, Jul 1).