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Cheapest Auto Insurance in Rochester, NY

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SR-22 Car Insurance Rates after DUI

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Car Insurance Rates by Segment

SegmentInsurance Rate
All Teens$2040
Female Teens$1960
Male Teen$2110
All Women$930
Married Women$900
All Men$1390
Married Men$1340

Rochester, New York was founded around the same time that our nation declared its independence. The city has a long and rich history as one of the economic hubs in the Northeast. While it is often overshadowed by America’s largest city – New York City – Rochester still has plenty to offer to local residents. If you live in the city, you probably own a vehicle to help you navigate the residential and urban streets.

Auto insurance can be painfully expensive at times – it’s important that you compare multiple auto insurance quotes to find the best rates on the market if you want to get a good deal. Our company is dedicated to helping our readers find the most affordable auto insurance in Rochester, New York with a monthly car insurance calculator. But if you want to save money on auto insurance, you also need to know how to drive safely and avoid issues with your record. For this reason, our Rochester page also has plenty of information about driving in the area – make sure to check it out below!

Rochester: Driving Conditions in the City

If you plan on driving in Rochester, it’s important to understand the hazards on the roads. While most major cities have to contend with large amounts of traffic, congestion in Rochester isn’t that bad. In fact, Rochester is recognized as one of the best cities in the Northeast for traffic flow – it’s certainly much better than New York City.

The major hazard in Rochester is the weather. The winter months can be extremely harsh and end up causing a serious amount of snow and ice. If you want to avoid getting into an accident, you need to be extremely careful during the winter months. Always make sure to check weather warnings and reports before you leave your home. Make sure you have experience driving in cold weather if you’re going to venture out in rough conditions.

Driving Safely in Rochester, New York

If you want to reduce your costs from an insurance standpoint, it’s important to ensure that you’re as safe as possible. It can be a complete nightmare if you end up with a bad driving record – your premiums might skyrocket and your ability to get a policy from a good insurance company may evaporate.

Following local laws and regulations is very important if you want to keep your driving record clean and avoid accidents. In this section of our article, we’re going to take a look at the top laws in Rochester, New York. Each state and city have different laws and regulations, so it’s important to keep track of them as best you can. The top ones are listed below:

Phone/Handheld Laws in Rochester

The city of Rochester and the state of New York take distracted driving extremely seriously. Smart phones cause serious issues on roads – more accidents are occurring because people use their phone so frequently while they drive. In New York, you are not allowed to use your phone at all while your drive – texting and driving has been illegal for many years, but you are now also banned for using your phone for other purposes while on the roads. The only way you can use a phone on a road in the state of New York is through a hands-free system.

Seatbelt and Car Seat Laws in Rochester

In Rochester, you have to abide by the seatbelt and car seat laws of the state of New York. Those under the age of 16 must wear a seatbelt while in the car at all times. Those over the age of 16 must wear a seatbelt in the front of the vehicle – this means the driver’s seat and front passenger seat.

Helmet Laws in Rochester

In the state of New York, you have to wear a helmet if you’re riding a motorcycle. It doesn’t matter how old you are or how long you have had a license, you need to wear a helmet. While this might annoy some riders, it is done in order to save lives and prevent head injuries. This law applies to both riders and passengers – not following it can result in fines or punishments.

Alcohol and Drug Laws (Driving)

DUI laws in the state of New York depend on the type of driver and the level of intoxication. For those over the age of 21, the BAC limit for a DUI is .08. If you are over the age of 21 and operating a commercial vehicle, this limit is reduced to .04. If you are under the age of 21, this limit is reduced to .02. The punishments vary depending on how intoxicated you are and how many times you have been caught in the past – repeat offenders deal with much harsher penalties.

For first time offenders, you can receive a substantial fine, a loss of license, and even a jail sentence. If you are over .18, the punishments can be extremely severe and often include at least a one-year mandatory license suspension. You'll also need to talk to insurance companies that offer sr22 insurance since that will be the new more expensive coverage you'll be required to carry.

Cheapest Auto Insurance in Rochester, New York

Rochester Statistics

The state of New York can be dangerous to drive in – it’s important to look at statistics from the entire region to get a good idea of how safe the roads are. In 2011, over 1,100 people were killed on roads in the state of New York. In addition, over 175,000 people were injured in traffic accidents. As you can see, there is plenty of reason to be as safe as possible while on roads in the state of New York and the city of Rochester.


Finding the right insurance quote can be very difficult at times – you want to ensure you have great coverage for an affordable price. Our company can help you find some cheap auto insurance in NY. Also check out some of the partner insurance companies we feature on our site. In addition, we have plenty of great content for those who want some additional information on the auto insurance industry – we have city-specific pages for other cities and regions as well.

Finding cheap car insurance rates can save you valuable time and money – don’t waste any more time and money on your current policy! If you need help please contact us and we'll point you in the right direction.

Car Insurance Companies in Rochester

Cheapest Auto Insurance in Rochester,New York
Map data © 2021 Google.

Mazzola Agency

1619 East Ridge Road, Rochester, NY 14621, USA

(585) 266-7130


InsuranceTrak Services

4515 Culver Rd #206, Rochester, NY 14622, USA

(585) 282-0934


Freeway Insurance

525 Lake Ave, Rochester, NY 14613, USA

(585) 364-1011


Freeway Insurance

1388 N Clinton Ave, Rochester, NY 14621, USA

(585) 206-2062


Nationwide Insurance: Parisi J Assoc Inc

1738 East Ridge Road, Rochester, NY 14622, USA

(585) 342-6790


Goins Insurance Agency

726 Genesee St, Rochester, NY 14611, USA

(585) 491-6530

Auto Body Shops in Rochester

Auto Body Shops in Rochester,New York
Map data © 2021 Google.

Fetzner Collision, Inc.

2485 Dewey Ave, Rochester, NY 14616, USA

(585) 663-3172


Nu-Look Collision Downtown

280 Monroe Ave, Rochester, NY 14607, USA

(585) 454-5558


Nu-Look Collision Irondequoit

1301 East Ridge Road, Rochester, NY 14621, USA

(585) 467-2000


Service King Collision Repair of Rochester

1024 W Ridge Rd, Rochester, NY 14615, USA

(585) 621-2870


Nu-Look Collision Lyell Ave

1931 Lyell Ave, Rochester, NY 14606, USA

(585) 506-4500


Auto Workz Body And Paint Shop, LLC

750 Lee Rd, Rochester, NY 14606, USA

(585) 292-5180

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