Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

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If you’re looking for auto insurance in Rochester, NY, you’ve come to the right place. Rochester, known often as “The World’s Image Center” or “The Flour City”, is a city in Monroe County, New York, just below Lake Ontario. With a population of around 210,000 people, Rochester is the third most populated city in New York, just behind NYC and Buffalo.

Rochester auto insurance rates are actually quite low when compared to other major cities in New York. The reason for this is relatively lower traffic and congestion. In fact, the Rochester highway system, which was built in he 50s, was built in anticipation of a metro-area population of over 5 million people. Today, the Rochester metro area is home to just over 1 million people, so you can see why traffic is not as big of an issue as it is in other cities.

The low traffic in the area also means lower accident rates. According to statistics, in 2009, the city of Rochester had only 7 fatal accidents, 8 vehicles involved in fatal accidents, 0 accidents caused by drunken drivers, 7 fatalities resulting from accidents, 13 persons involved in fatal accidents, and 4 pedestrians involved in fatal accidents. All these numbers are much lower than the New York state average.

Rochester Auto Insurance Requirements

The state of New York requires liability coverage for every vehicle registered in the state. According to the Department of Motor Vehicles, you’re going to need the following if you live in Rochester (or any other city in the state):

“ Insurance coverage must be a minimum of $25,000/50,000 for injury, $50,000/100,000 for death, and $10,000 for property damage caused by any one accident. New York State is a no-fault state. The liability coverage must remain in effect while the registration is valid, even if the vehicle is not used (except motorcycles).”

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Cheap Car Insurance In Rochester, NY

According to the NAIC, the state of New York is the fifth most expensive state for auto insurance. As stated above, auto insurance in Rochester is actually cheaper than auto insurance in the rest of the state. This being said, however, auto insurance in the United States is never cheap. No matter where you live, you can still stand to save on your premiums.

To lower your car insurance rates, as a Rochester resident, you can:

  1. Cut back on coverage
  2. Drive a safer vehicle
  3. Drive a vehicle that’s less expensive to insure
  4. Increase your deductibles
  5. Move to a safer area
  6. Get points removed from your license

Every point on this list, however, seems to be a bit troublesome. Moving to a safer area where insurance rates are lower is often times not practical for people just wanting to save a few bucks on their car insurance. The easiest way to save, however, is to simply compare insurance rates from different Rochester insurance providers, and this all starts by entering your zip code in our comparison tool above. After filling out a brief form about your vehicle and yourself, you will be given rates for some of the best insurance packages the city of Rochester has to offer.

Rochester, New York Auto Insurance Agents

If you would like to do the brunt of the legwork yourself, however, and compare insurance rates in person, we also give you that option. Take a look at our directory of reputable Rochester, NY auto insurance agents below:

A & A Insurance Services

761 Genesee St

Rochester, NY 14611

(585) 328-6640

 

A Allwrights Agency

1560 Mount Hope Ave

Rochester, NY 14620

(585) 271-6680

 

A Christina Breen-Hale

3093 Ridge Rd W

Rochester, NY 14626

(585) 225-8480

 

Aaron Casey Agency

2040 E Henrietta Rd

Rochester, NY 14623

(585) 727-1400

 

Advanced Auto Insurance Agency

1363 Long Pond Rd

Rochester, NY 14626

(585) 225-2560

 

Advanced Auto Insurance Agency

3595 Ridge Rd W

Rochester, NY 14626

(585) 227-1044

 

Advanced Auto Insurance Agency

1664 Dewey Ave

Rochester, NY 14615

(585) 254-5890

 

Akropolis Agency

1922 Chili Ave

Rochester, NY 14624

(585) 328-2930

 

Alan Insurance Agency

1350 Buffalo Rd Ste 32

Rochester, NY 14624

(585) 235-4910

 

Alexander Insurance Agency

315 Alexander St

Rochester, NY 14604

(585) 232-8221

 

Allens Creek Insurance Agency

2290 East Ave

Rochester, NY 14610

(585) 697-2820

 

Andrew J Woloson Insurance Agency

63 Park Ave

Rochester, NY 14607

(585) 482-1870

 

Andy W Ocasio

66 Park Ave

Rochester, NY 14607

(585) 473-4660

 

Anthony Salamone Agency

590 English Rd

Rochester, NY 14616

(585) 663-2040

 

Antinora Insurance Agency

2745 Ridge Rd W

Rochester, NY 14626

(585) 723-3250

 

Bamann Agency

800 Linden Ave

Rochester, NY 14625

(585) 546-8262

 

Barber

2024 W Henrietta Rd Ste 6c

Rochester, NY 14623

(585) 292-5120

 

Barion Mills

1942 Ridge Rd W

Rochester, NY 14626

(585) 225-0011

 

Ben M Smith III

200 Winton Rd N

Rochester, NY 14610

(585) 288-4901

 

Bera Jurado

2511 Browncroft Blvd

Rochester, NY 14625

(585) 586-0080

 

 

Bill Davis Jr

2284 Culver Rd

Rochester, NY 14609

(585) 266-4500

 

 

Bobby Insurance Agency

69 Empire Blvd

Rochester, NY 14609

(585) 288-2741

 

 

Brent Evangelist

1100 Long Pond Rd Ste 119

Rochester, NY 14626

(585) 227-1180

 

 

Brian

110 Allens Creek Rd

Rochester, NY 14618

(585) 244-6260

 

Brian Kelly Agency

849 Paul Rd

Rochester, NY 14624

(585) 889-4619

 

 

Brighton Campus

2024 W Henrietta Rd

Rochester, NY 14623

(585) 697-5664

 

Brown & Brown

45 East Ave

Rochester, NY 14604

(585) 232-4424

 

 

Charles H Tuke Agency

3385 Brighton Henrietta Town Line Rd

Rochester, NY 14623

(585) 427-0040

 

Charles Lovall

2080 Ridge Rd W

Rochester, NY 14626

(585) 227-2873

 

 

Charles M Scarpulla Agency

888 Long Pond Rd

Rochester, NY 14626

(585) 225-4073

 

 

Charles Miceli Jr

282 Governor Ter

Rochester, NY 14609

(585) 482-2290

 

Chris Leonardi

3047 W Henrietta Rd

Rochester, NY 14623

(585) 475-1820

 

 

CIA – AJ Pucci Associates

1665 Ridge Rd E

Rochester, NY 14621

(585) 473-4130

 

CIA – Janus Agency

34 Buckman Rd

Rochester, NY 14615

(585) 663-8334

 

CIA – John V. Sally Agency

782 Elmgrove Rd

Rochester, NY 14624

(585) 429-7606

 

CIA – Pilaroscia Agency

2509 Browncroft Blvd

Rochester, NY 14625

(585) 381-2605

 

Consolidated Agency

1819 Ridge Rd E

Rochester, NY 14622

(585) 467-4110

 

 

Craig Smith

1164 Ridge Rd E

Rochester, NY 14621

(585) 266-5160

 

 

David Nacca

1100 Long Pond Rd Ste 119

Rochester, NY 14626

(585) 227-1180

 

 

DCAP – Accurate Agency

1086 Lyell Ave

Rochester, NY 14606

(585) 458-8750

 

 

DCAP – Accurate Agency

525 Lake Ave

Rochester, NY 14613

(585) 647-9300

 

 

DCAP – Accurate Agency

2199 E Henrietta Rd

Rochester, NY 14623

(585) 359-3280

 

 

DCAP – Accurate Agency

545 Titus Ave

Rochester, NY 14617

(525) 544-1980

 

 

Deborah Ham Whitt Agency

3953 Dewey Ave

Rochester, NY 14616

(585) 663-0960

 

 

DG&M Agency, Inc.

2290 East Ave

Rochester, NY 14610

(585) 271-3040

 

 

Don Allen Agency

800 Linden Ave

Rochester, NY 14625

(585) 586-8000

 

Dougherty/Fuino Agency

1562 Dewey Ave

Rochester, NY 14615

(585) 254-8373

 

Drive Insurance Agency

2199 E Henrietta Rd

Rochester, NY 14623

(585) 359-8280

 

Dwyer

2024 W Henrietta Rd

Rochester, NY 14623

(585) 272-9820

 

Eastern Shore Associates

2680 Ridge Rd W Ste 201a

Rochester, NY 14626

(585) 227-9810

 

 

Fazio Agency

3385 Brighton Henrietta Town Line Rd

Rochester, NY 14623

(585) 292-5660

 

 

Ferris Agency

1460 Lyell Ave Ste 700

Rochester, NY 14606

(585) 254-7440

 

First Niagara Risk Management

777 Canal View Blvd Ste 100

Rochester, NY 14625

(585) 385-2900

 

 

Francis P Bianchi Insurance

144 Westchester Ave

Rochester, NY 14609

(585) 654-8840

 

Frank A Farr

75 Norlane Dr

Rochester, NY 14622

(585) 259-1641

 

Frank A Monachino

693 Titus Ave

Rochester, NY 14617

(585) 266-5540

 

 

Frank Borrelli

2820 Dewey Ave

Rochester, NY 14616

(585) 410-6120

 

 

Georgianna Macdonald

646 Browncroft Blvd

Rochester, NY 14625

(585) 288-7977

 

Gerald F Dellavilla

693 Titus Ave

Rochester, NY 14617

(585) 266-5540

 

 

Greece Agency

1777 English Rd

Rochester, NY 14616

(585) 723-1200

 

Gregory P Malley

3021 Brighton-Henrietta Tl Rd

Rochester, NY 14623

(585) 272-7840

 

Gubiotti Agency

931 Ridge Rd E

Rochester, NY 14621

(585) 254-3190

 

Hamill Regional Valley Associates

1295 Portland Ave

Rochester, NY 14621

(585) 544-2520

 

Hatch Leonard Naples

777 Canal View Blvd Ste 100

Rochester, NY 14623

(585) 546-3747

 

 

Henco Brokerage

1004 Buffalo Rd

Rochester, NY 14624

(585) 529-5225

 

Heritage Agency Group

3385 Brighton Henrietta Town Line Rd

Rochester, NY 14623

(585) 427-0040

 

Hilb, Rogal & Hobbs

255 East Ave Ste 301

Rochester, NY 14604

(585) 454-7400

 

 

Independent Affillate Agency

3700 East Ave

Rochester, NY 14618

(716) 248-2050

 

Independent Network Systems

2290 East Ave

Rochester, NY 14610

(585) 697-0160

 

 

Insurance Direct

1619 Ridge Rd E

Rochester, NY 14621

(585) 225-2010

 

Insurance Marketplace Agency

919 Culver Rd

Rochester, NY 14609

(585) 482-9980

 

Integrity Group of Western NY

70 Office Parkway

Rochester, NY 14692

(585) 383-0080

 

Isaac Insurance Agency

2290 East Ave

Rochester, NY 14610

(585) 271-3294

 

J M Gomes Agency

2652 Chili Ave

Rochester, NY 14624

(585) 426-2224

 

J Parisi Associates

1738 E Ridge Rd

Rochester, NY 14622

(585) 342-6790

 

 

Jackie Ortiz

2018 Latta Rd

Rochester, NY 14612

(585) 697-5679

 

 

Jacqueline Gleichauf Agency

1100 Long Pond Rd

Rochester, NY 14626

(585) 663-1810

 

 

Jamie Trovato

1839 E Ridge Rd Ste 3

Rochester, NY 14622

(585) 544-2280

 

 

Jan M Parisi Agency

624 Titus Ave

Rochester, NY 14617

(585) 338-2141

 

 

Janine Nudd

1570 Jefferson Rd

Rochester, NY 14623

(585) 427-8500

 

 

Jay Haidari

3366 Latta Rd Ste 4

Rochester, NY 14612

(585) 225-2700

 

 

Jerome M Marks Agency

120 Corporate Woods Ste 260

Rochester, NY 14623

(585) 475-0220

 

John Baughman

2122 E Henrietta Rd

Rochester, NY 14623

(585) 359-8700

 

 

John Baughman

1344 University Ave

Rochester, NY 14607

(585) 785-5650

 

 

John Manser

2121 E Main St

Rochester, NY 14609

(585) 482-0738

 

 

John Obstarczyk Insurance Agency

115 Suellen Dr

Rochester, NY 14609

(585) 368-5612

 

 

John Patrick Stone Agency

560 Ridge Rd W

Rochester, NY 14615

(585) 663-5370

 

 

Joseph J Biagiotti Agency

2755 Buffalo Rd

Rochester, NY 14624

(585) 429-2082

 

 

Joseph Sanders Agency

475 N Goodman St

Rochester, NY 14609

(585) 663-0946

 

Joseph Sanders Agency

3741 Dewey Ave

Rochester, NY 14616

(585) 663-0850

 

Kevin Huff

2080 E Henrietta Rd

Rochester, NY 14623

(585) 334-3820

 

 

Kevin Johnson

1709 Crittenden Rd

Rochester, NY 14623

(585) 424-4420

 

 

Landmark Group of Brighton

1956 W Henrietta Rd

Rochester, NY 14623

(585) 272-1956

 

 

Lawley-Andolina-Verdi

30 N Union St

Rochester, NY 14607

(585) 454-1600

 

 

Lawrence Associates Agency

1343 Long Pond Rd

Rochester, NY 14626

(585) 227-7500

 

Lawrence Ruderman

1427 Monroe Ave

Rochester, NY 14618

(585) 271-7683

 

 

Leon F Skinner Agency

25 Franklin St Ste 1032

Rochester, NY 14604

(585) 232-3585

 

 

Lombard Insurance Agency

63 Park Avenue

Rochester, NY 14607

(585) 442-4130

 

LRMP Insurance

205 Saint Paul St Ste 105

Rochester, NY 14604

(585) 454-7800

 

 

Lucas & Dake Company

1870 Winton Rd S Ste 3

Rochester, NY 14618

(585) 461-3690

 

 

M Castle Insurance Agency

3223 Ridge Rd W

Rochester, NY 14626

(585) 225-2303

 

Mark Siwiec

1472 Monroe Ave

Rochester, NY 14618

(585) 461-3227

 

 

Marshall & Sterling

205 Saint Paul St Ste 105

Rochester, NY 14604

(800) 564-3773

 

Mazzola Agency

1619 Ridge Rd E

Rochester, NY 14621

(585) 266-7130

 

McGee & Noto Agency

1819 Ridge Rd E

Rochester, NY 14622

(585) 342-4920

 

 

MetLife Auto & Home

4210 Ridge Rd W

Rochester, NY 14626

(585) 227-4500

 

Metlife Auto & Home/D Rowcliffe

400 Meridian Ctr Ste 110

Rochester, NY 14618

(585) 242-5918

 

Metlife Auto & Home/W Moravan

400 Meridian Ctr Ste 101

Rochester, NY 14618

(585) 214-8690

 

Michael A Bruno

2240 Long Pond Rd

Rochester, NY 14606

(585) 247-4280

 

 

Michael A Thomas

3699 W Henrietta Rd Ste 12

Rochester, NY 14623

(585) 334-1780

 

 

Michael Lazarevski

230 Empire Blvd

Rochester, NY 14609

(585) 224-3495

 

 

Michael Quataert

1548 Buffalo Rd

Rochester, NY 14624

(585) 426-0550

 

 

Michelle M Lebel-Thomas

1427 South Ave

Rochester, NY 14620

(585) 271-1760

 

Mike Callan

1555 E Henrietta Rd

Rochester, NY 14623

(585) 427-7920

 

 

Moneymax Group

140 Metro Park

Rochester, NY 14623

(585) 424-3760

 

Myra Cuff

2125 Buffalo Road Westmar Plaza

Rochester, NY 14624

(585) 247-1462

 

 

North Shore Line Agency

160 Allens Creek Rd

Rochester, NY 14618

(585) 244-1742

 

Northeastern General Services

2599 Ridge Rd W

Rochester, NY 14626

(585) 723-3400

 

 

Northeastern General Services

522 Lake Ave

Rochester, NY 14613

(585) 458-5080

 

 

Northeastern General Services

2092 E Henrietta Rd

Rochester, NY 14623

(585) 334-5000

 

 

Northeastern General Services

1717 N Goodman St

Rochester, NY 14609

(585) 467-6000

 

 

P Kay Thompson

438 North St

Rochester, NY 14605

(585) 423-9479

 

Paris-Kirwan Associates

1040 University Ave

Rochester, NY 14607

(585) 473-8000

 

 

Pastorelle Agency

1040 University Ave

Rochester, NY 14607

(585) 342-5951

 

Paul D Stoddart

2510 Chili Ave

Rochester, NY 14624

(585) 247-0400

 

 

Peck Agency

1134 Titus Ave

Rochester, NY 14617

(585) 621-4220

 

 

Peter C Minotti

900 Jefferson Rd

Rochester, NY 14623

(585) 424-4160

 

 

Pinnacle Insurance Agency

3259 Winton Rd S

Rochester, NY 14623

(585) 235-6070

 

 

Ralston Agency

2290 East Ave

Rochester, NY 14610

(585) 697-0880

 

 

Raymond W Swallow Insurance

890 Winton Rd S

Rochester, NY 14618

(585) 271-3000

 

Rich Allan

3380 Monroe Ave Ste 204

Rochester, NY 14618

(585) 385-6550

 

 

Rich Voci Jr

2394 Ridgeway Ave

Rochester, NY 14626

(585) 225-4400

 

 

Rick Campoli

1671 Penfield Rd

Rochester, NY 14625

(585) 381-1840

 

 

Riedman Corporation

1750 Midtown Tower

Rochester, NY 14604

(716) 546-8077

 

Robert Cusenz

3400 Ridge Rd W

Rochester, NY 14626

(585) 225-8300

 

 

Robert Schacht Agency

3445 Winton Pl Ste 113

Rochester, NY 14623

(585) 292-6030

 

Rocco Distaffen

251 Ridge Rd W

Rochester, NY 14615

(585) 458-1540

 

 

Roche Insurance Agency

2509 Browncroft Blvd

Rochester, NY 14625

(585) 381-8841

 

Rochester

400 Meridian Ctr

Rochester, NY 14618

(585) 242-5900

 

Rochester Financial Group

400 Meridian Ctr # S-101

Rochester, NY 14618

(585) 241-5200

 

Rochester II

1579 Spencerport Rd

Rochester, NY 14606

(585) 247-6382

 

Rochester Insurance Services

1685 Monroe Ave

Rochester, NY 14618

(585) 672-5906

 

 

Roohi Haroon

2140 S Clinton Ave

Rochester, NY 14618

(585) 244-8670

 

 

Ryan R Ferraro Agency

1100 Long Pond Rd

Rochester, NY 14626

(585) 663-1810

 

 

S J Suydam Agency

782 Elmgrove Rd

Rochester, NY 14624

(585) 247-4220

 

Samuel Nash

1511 South Ave

Rochester, NY 14620

(585) 461-3680

 

 

Santana

300 Lake Ave

Rochester, NY 14608

(585) 544-3350

 

Scott Wilmot

3349 Monroe Ave

Rochester, NY 14618

(585) 899-6690

 

 

Scott Ziccarelli

4105 W Henrietta Rd

Rochester, NY 14623

(585) 334-3080

 

 

Sharon Eastman

26 Corporate Woods

Rochester, NY 14623

(585) 427-7260

 

 

Skalny Agency

1819 Ridge Rd E

Rochester, NY 14622

(585) 254-2118

 

Stacey A Galante

2483 Browncroft Blvd

Rochester, NY 14625

(585) 248-2820

 

 

Staub & Coon Agency

3699 W Henrietta Rd

Rochester, NY 14623

(585) 334-4930

 

Stephanie Paratore

144 Exchange Blvd Ste 102

Rochester, NY 14614

(585) 325-1960

 

 

Stuart G Smith Agency

1577 Monroe Ave

Rochester, NY 14618

(585) 244-7540

 

 

Sue Ramsey

3240 Chili Paul Plaza

Rochester, NY 14624

(585) 889-4080

 

 

The Artz Insurance Agency

800 Linden Ave

Rochester, NY 14625

(585) 383-0110

 

The Born Agency

515 Beahan Rd

Rochester, NY 14624

(585) 426-3370

 

The Coons Agency

2440 Ridgeway Ave Ste 210

Rochester, NY 14626

(585) 227-1200

 

 

The Gregory L Schaffer Insurance Agency

3205 Mount Read Blvd

Rochester, NY 14616

(585) 621-3300

 

 

The Schultz Group of NY

3445 Winton Pl

Rochester, NY 14623

(585) 424-1780

 

Theresa Kernan

3221 Chili Ave

Rochester, NY 14624

(585) 889-3210

 

 

Thomas J Antinora, Jr

2300 West Ridge Rd 2nd Flr Suite 2230

Rochester, NY 14626

(585) 723-8770

 

 

Thomas P Shea Agency

2394 Ridgeway Ave

Rochester, NY 14626

(585) 225-4400

 

 

Thomas R Gervais

4124 W Henrietta Rd

Rochester, NY 14623

(585) 359-4280

 

 

Thomas W Becker

794 Spencerport Rd

Rochester, NY 14606

(585) 247-8110

 

 

Tom Kernan

3221 Chili Ave

Rochester, NY 14624

(585) 889-3210

 

 

Tompkins Insurance Agencies

3252 Chili Ave

Rochester, NY 14624

(585) 889-0188

 

 

Urbanski Insurance Agency

1134 Titus Ave

Rochester, NY 14617

(585) 467-1129

 

 

Vail Agency

3229 Chili Ave

Rochester, NY 14624

(585) 889-4650

 

 

Van Scoter Insurance Agency

1577 Ridge Rd W

Rochester, NY 14615

(585) 663-2004

 

 

Van Travis III

2423 Monroe Ave

Rochester, NY 14618

(585) 461-5240

 

 

Vandermallie Insurance Paris-Kirwan

Po Box 40420

Rochester, NY 14604

(585) 461-6434

 

Vince Leonardi

3047 W Henrietta Rd

Rochester, NY 14623

(585) 475-1820

 

 

Vincenzo Scollo

2261 Monroe Ave

Rochester, NY 14618

(585) 244-2130

 

 

Wells Insurance

1151 Titus Ave

Rochester, NY 14617

(585) 342-2020

 

Westcott Insurance Agency

2670 Dewey Ave

Rochester, NY 14616

(585) 621-3035

 

 

Willard G Vander Mallie Agency

1040 University Ave

Rochester, NY 14607

(585) 586-3289

 

William R Guilday Agency

1577 Ridge Rd W Ste 201b

Rochester, NY 14615

(585) 865-2062

 

Wolfert – Butler Agency

3565 Latta Rd

Rochester, NY 14612

(585) 392-8006