For a 40-year-old driver with a clean record, car insurance in Rochester averages about $182 a month ($2,179 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 37% below the New York average of $288 a month. Progressive has the lowest full-coverage average of the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $69 a month.
One insurer pulls the Rochester average down: Progressive’s full-coverage average for our driver is about $69 a month here. Without Progressive, the other four major insurers we compared average about $210 a month, compared with $182 with it.
Rochester has the lowest car insurance prices of the 12 New York areas we cover in depth. Our benchmark driver pays about $182 a month for full coverage, $106 less than the state average.
Our Rochester figures use the 21 ZIP codes with a Rochester mailing address, which include suburbs such as Greece, Irondequoit and Henrietta as well as the city itself.
Cost data comes from the auto rates insurers file with state regulators, priced across all 21 Rochester ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Rochester averages $2,179 a year, or about $182 a month, for our benchmark driver. Liability-only coverage at New York’s 25/50/10 minimum averages $1,068 a year ($89 a month), and 50/100/50 liability with comprehensive and collision averages $2,092 ($174 a month).
Progressive has the lowest full-coverage average among the five insurers in our Rochester rate data. Five of the eight published 2026 statewide New York rate studies we reviewed also rank Progressive cheapest for full coverage, so we name it, though its lead in our data is wider than in those studies. Two of the others put Erie Insurance first and one NYCM Insurance. For liability-only coverage at 25/50/10 limits, averages run from about $21 to $143 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Rochester
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $253 | $21 | $824 | $69 |
| GEICO | $485 | $40 | $1,608 | $134 |
| Allstate | $1,712 | $143 | $2,520 | $210 |
| State Farm | $1,324 | $110 | $2,753 | $229 |
| Travelers | $1,564 | $130 | $3,192 | $266 |
| USAA (military families)* | $782 | $65 | $1,249 | $104 |
| NYCM Insurance* | $573 | $48 | $1,660 | $138 |
| Erie Insurance* | $823 | $69 | $1,978 | $165 |
| Rochester average | $1,068 | $89 | $2,179 | $182 |
This table uses Rochester ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 21 Rochester ZIP codes we price, full coverage for our driver ranges from about $160 a month in 14625 to $224 in 14613, a gap of $768 a year. The least expensive Rochester-address ZIP code is 14625, in Penfield, and the most expensive are 14613, 14611 and 14621, in the city.
Lowest-priced Rochester ZIP codes
Highest-priced Rochester ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Rochester’s average.
| ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 14605 | $1,196 | $100 | $2,445 | $204 | +12% |
| 14606 | $1,045 | $87 | $2,140 | $178 | -2% |
| 14607 | $1,082 | $90 | $2,189 | $182 | About average |
| 14608 | $1,181 | $98 | $2,391 | $199 | +9% |
| 14609 | $1,019 | $85 | $2,134 | $178 | -2% |
| 14610 | $998 | $83 | $2,030 | $169 | -7% |
| 14611 | $1,231 | $103 | $2,501 | $208 | +14% |
| 14612 | $990 | $83 | $2,029 | $169 | -7% |
| 14613 | $1,325 | $110 | $2,685 | $224 | +23% |
| 14615 | $1,005 | $84 | $2,056 | $171 | -6% |
| 14616 | $1,003 | $84 | $2,040 | $170 | -7% |
| 14617 | $1,003 | $84 | $2,016 | $168 | -8% |
| 14618 | $1,002 | $84 | $2,032 | $169 | -7% |
| 14619 | $1,209 | $101 | $2,441 | $203 | +12% |
| 14620 | $1,035 | $86 | $2,107 | $176 | -3% |
| 14621 | $1,194 | $100 | $2,472 | $206 | +13% |
| 14622 | $998 | $83 | $2,021 | $168 | -8% |
| 14623 | $976 | $81 | $2,041 | $170 | -7% |
| 14624 | $1,015 | $85 | $2,064 | $172 | -5% |
| 14625 | $934 | $78 | $1,917 | $160 | -12% |
| 14626 | $978 | $82 | $2,011 | $168 | -8% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $87 a year on average in our Rochester data, with the same $500 deductibles. That’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate and Progressive charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the same insurers in the same Rochester ZIP codes, full coverage averaged $2,233 a year nine months earlier and $2,179 in rates as of Aug. 31, 2026, a 2.4% drop. Most of that came from Progressive, which cut its Rochester average 20.0%; the other four insurers’ average fell 0.6%. Allstate cut its average 3.7% and Travelers raised its 1.0%, while GEICO’s and State Farm’s averages were unchanged. Liability-only coverage at 25/50/10 limits fell 5.0%, led by Allstate, which cut its liability-only average 9.8%.
Monroe County averages $2,106 a year for full coverage in our data, the 15th-least expensive of the 59 New York counties we price. Towns east of the city with their own mailing addresses cost less: Penfield (14526) averages about $156 a month, Fairport $158 and Webster $160.
Inside the city, 14613 averages about $224 a month, about $64 more than 14625, a Rochester-address ZIP code in Penfield. Insurers price New York by rating territory as well as by driver and car, so neighboring communities can be priced differently.
More New York cities and towns are in the New York rates by city table, and you can compare states on our car insurance rates by state page.
Buffalo, about 67 miles west, averages $246 a month, and Syracuse, about 75 miles east, $194. For the statewide picture, see our guide to New York car insurance rates.
Drivers in Rochester follow New York’s rules. Every policy must include at least:
Our New York requirements guide covers no-fault benefits, optional coverage, the 2026 law changes and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from New York law and the New York State Department of Financial Services. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Rochester averages about $182 a month ($2,179 a year) and liability-only coverage about $89 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 37% below the New York average of $288 a month. Without Progressive, the average is about $210 a month.
Progressive has the lowest full-coverage average in our Rochester rate data, at about $69 a month, followed by GEICO at $134 among the five major insurers we compared. For liability-only coverage, averages run from about $21 to $143 a month. Five of the eight published 2026 statewide New York rate studies we reviewed also rank Progressive cheapest for full coverage; two put Erie Insurance first and one NYCM Insurance. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes. In our data, Rochester averages about $182 a month for full coverage and Buffalo about $246, for the same driver and car.
In our data, 14625 has the lowest full-coverage average in Rochester, at about $160 a month, and 14613 the highest, at about $224. The ZIP code table on this page lists all 21.
In our Rochester data, full coverage (100/300/100 with $500 deductibles) averages about $182 a month and liability-only coverage at 25/50/10 limits about $89, a difference of about $93 a month ($1,111 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. New York law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Rochester must carry New York’s minimums: liability coverage of $25,000 per person and $50,000 per crash for injuries ($50,000 and $100,000 when someone dies) and $10,000 for property damage, $50,000 per person in no-fault coverage and uninsured motorist coverage at the same 25/50 injury limits. New York is a no-fault state for injuries, so your own policy pays your medical bills and lost earnings up to that limit, whoever caused the crash.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, full coverage in Rochester fell 2.4% over the past nine months, from about $2,233 to $2,179 a year, mostly because Progressive cut its price 20.0%. The other four insurers’ average fell 0.6%, and Travelers raised its average 1.0%. Liability-only coverage at 25/50/10 limits fell 5.0%.
For our benchmark driver, full coverage in Rochester averages about $182 a month. Nearby, Buffalo averages about $246, Syracuse about $194 and Albany about $194. Rochester is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
