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Cheap Car Insurance in Rochester, New York

Just south of Lake Ontario in the Finger Lakes Region is Rochester, N.Y., an upstate getaway city once a major hub for manufacturing where you can find deals on cheap car insurance. Today, Rochester is home to an estimated 211,000 as well as the University of Rochester, its oldest and most prominent institution of higher learning and one of the U.S.' top research centers.

Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance in Rochester. Come get your customized car insurance quote today!

Driving Conditions in Rochester

Three exits off the New York State Thruway, or Interstate 90, serve Rochester, which is considered very well designed, traffic-wise. All parts of the city are connected to the Thruway via limited access highways or expressways. Laid out as two concentric circles with feeders from three directions, the expressway system is credited with limiting gridlock found in other cities its size. Thus, Rochester landed at No. 3 on a recent Forbes listing of Best Cities for Commuters and No. 1 on a Kiplinger List of the same title.

Compared to U.S. cities average commute time of roughly 25 minutes, Rochester has a shorter time at just over 21 minutes, according to Census Bureau data. For updates and information on traffic delays, accidents and road conditions, visit

Unique Laws in Rochester

Antiquated New York laws require a license be purchased before hanging clothes on a line and ban activities such as holding a window of a home for a puppet show or carrying an ice cream cone in one's pocket on Sunday – a law that may have come from the blue law days when eating ice cream on Sundays was not allowed. Two or more people wearing masks may not gather in public, an 1845 New York law states.

A more recent law bans people from taking selfies with tigers, which is meant to prevent mauling.

Rochester Crime Statistics

The Rochester, N.Y. metro area landed near the bottom of the list – No. 321 – on a 2016 ranking cities with highest car theft rates published by the National Insurance Crime Bureau, placing it among safer cities its size. Rochester had 936 cases of car theft in 2016, or a rate of 89 incidents per 100,000 people. This is less than half of the U.S. average of 220 incidents per 100,000 people.

Rochester Safety Requirements

State law requires front seat passengers and those under 16, regardless of seating, to wear seat belts. Children under 4 must ride in safety seats. Car seats or boosters used “must comply with the child height and weight recommendations determined by the manufacturer,” according to the New York State Department of Motor Vehicles. Children over 4 feet, 9 inches tall or more than 100 pounds may ride with seat belts only.

Using a cellphone without a hands-free device is illegal, and texting while driving has been against New York laws since 2011. Fines for cellphone use were increased in 2014.

Rochester Impaired Driving Laws

The legal limit for drivers over 21 in New York is a blood/breath alcohol level of .08, and violators have their license suspended for three months, as well as be required to take alcohol education classes. For commercial vehicles, the limit is .04, or “other evidence of impairment,” according to New York State's Department of Motor Vehicles. For those under 21, the threshold is .02. First offenders receive a fine, license revocation for 6 months and a possible jail sentence.

A BAC of .18 or higher qualifies for an aggravated DWI charge, punishable by at least a one-year license revocation.

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Car Insurance Rochester, New York Agents

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  • Insurancetrak Services


    Craig Bruno Insurancetrak services is an independent insurance agency that serves the rochester ny area. Insurancetrak works with over 20 companies for home & auto insurance and over 100 companies for all business and life insurances. Free quotes. while we are based in central ny, we provide insurance for individuals and businesses all across the country as we are licensed for insurance in most states. our staff is here to find you the best rates and coverage from the multiple insurance carriers that we work with. We also take pride in the level of service we provide but do not take our word for it, visit our google plus page here- https://plus.Google.Com/+insurancetrakservicesrochester/about call us anytime for a free quote at 585-282-0934, or get an instant online quote thru our website at www.Insurancetrak.Com.

    What makes your specific agency stand out from your competition? Don't get burned by the large insurers you see on tv who often only offer 1 product and a 1-800 # for low level service to boot. It's the smart choice to get insurance from the coverage experts that hundreds have already trusted at insurancetrak. with just a click you can easily shop multiple companies for instant quotes online at insurancetrak.Com. Read our trusted reviews on our google plus page and save on average 25% with sleep at night coverage! located in upstate new york, insurancetrak services is an independent insurance agency that works with multiple carriers. We help our clients find the best pricing and coverage by shopping multiple companies for auto insurance, homeowners insurance, and business insurance. one of our core insurance offerings stems from our pay-as-you-go workers compensation software, trakpay. Insurancetrak works with multiple payroll companies to help them offer pay-as-you-go wc insurance to their clients. For more info visit www.Trakpay.Net.

    • Discount and Special Program offered Free Car Insurance Quotes Free Home Insurance Quotes Free Business Insurance Quotes Free Life Insurance Quotes Free Boat Insurance Quotes Free Auto Insurance Quotes Free Homeowners Insurance Quotes Free Workers Compensation Insurance Quotes Online Car Insurance Quotes Online Home Insurance Quotes Workers Compensation Insurance General Business Liability Insurance

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    • License Number


    4515 Culver Rd, Suite 206, Rochester, Ny
    Rochester, NY 14622

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  • Glen Ziccarelli: Allstate Insurance


    Glen Ziccarelli Insurance agency, home insurance, auto insurance, car insurance, life insurance, motorcycle insurance, recreational vehicles insurance, boat insurance, renters insurance, business insurance

    What makes your specific agency stand out from your competition? Allstate agent glen ziccarelli serving rochester, ny is committed to helping you find the best quote for your auto insurance, car insurance, motorcycle insurance, recreational vehicles insurance, boat insurance. Meet one of our insurance agents to get a quick insurance quote.

    • Discount and Special Program offered Safe Driver Multi Line Discount Smart Driver Student Driver Good Driver Accident Free

    • License Type

      Insurance License

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    4105 W Henrietta Rd
    Rochester, NY 14623

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  • Kristina Gambino: Allstate Insurance


    Kristina Gambino Proud to serve the areas of rochester, buffalo, all of ny state. Call or email me today for a personalized insurance review for auto insurance, home insurance, life insurance, renters insurance, life insurance, boat and motorcycle insurance.

    What makes your specific agency stand out from your competition? I have worked as an allstate agent since 2015. My background before starting my insurance agency was at a national healthcare financial services company as an assistant vice president in underwriting and portfolio management. i am very involved in the community and very active in our church. We sponsor local soccer and baseball teams every summer and i am an active member in the chamber of commerce. I also fully support the rochester & monroe county ywca which helps women affected by domestic violence. i'm an allstate agent because i am very passionate about helping people protect what matters most to them. I believe in what i do and that's helping to minimize a customer’s risk. Educating customers means a lot to me and my team. I have an amazing staff in my office and we always go above and beyond to help the customers. We are a name and a face in our community and we care.

    • Discount and Special Program offered Drivewise, Cellcontrol, Ez Pay Plan, Accident Forgiveness. Good Student Discount, College Savings Plans

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      Property & Casualty, Life Accident & Health, Series 6 & 63

    • License Number


    849 Paul Rd Rochester
    Rochester, NY 14624

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  • Trovato Associates


    Jamie Trovato Auto home business & life insurance agency rochester ny experienced agents available to answer your questions

    What makes your specific agency stand out from your competition? Full service property & casualty insurance agency in rochester ny, also licensed in fl, oh, nc & sc. Agency handles, auto, home, business & life insurance. Trovato associates is directly appointed with over 35 carriers and is able to properly analyze and place each customer with the proper company. The agency not only provides market analysis of your policy today but each renewal properly shifting coverage and premiums when needed. That's the independent advantage. Shop or call today for fast professional service. Www.Trovatoassociates.Com 585 563 6553

    • Discount and Special Program offered Auto Insurance Home Insurance Life Insurance General Liability Insurance Life & Disability Insurance Commercial &a Business Insurance

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      Property & Casualty

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    1880 East Ridge Rd Suite 5 Rochester Ny
    Rochester, NY 14622

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  • Charles Lovall Agency


    auto, home and life. let us save you money!

    2080 West Ridge Rd
    Rochester, NY 14626

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  • Jay Haidari Premier Agency - Allstate Insurance


    Jay Haidari Get your quote now - it's as easy as a day at the beach!

    3366 Latta Rd. Ste 4
    Rochester, NY 14612

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  • Advanced Auto Insurance Agency

    1664 Dewey Ave
    Rochester, NY 14615

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    Advanced Auto Insurance helped me find a great company that I can afford every month. The customer service is Wonderful and the girls are always smiling. I highly recommend this agency... 100%

    I called Advanced auto insurance for an auto quote and the price for the auto insurance was so much less than what I am paying now and the customer service was outstanding. I plan on insuring my auto, home and motorcycle with Advanced Auto Insurance Agency. I highly recommend others calling that office.

    Sarah N.

  • Consolidated Agency

    1819 Ridge Rd E
    Rochester, NY 14622

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    I really enjoy working with consolidated agency, they are very nice people and are very knowledgeable in what they do. They are much more personable than my last insurance company.

    I think Consolidated Agency is a really great company. I have had nothing but good experiences working with them. I really think the staff do a wonderful job, I am very likely to renew with them.

  • Frank Borrelli

    2820 Dewey Ave
    Rochester, NY 14616

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    My license was suspended due to a clerical error by Borrelli's office staff. One of my vehicles was somehow dropped from the policy at renewal, which meant that I was unwittingly driving an uninsured vehicle. I received a suspension notice from the DMV for an ins lapse, which I brought to Borrelli's office. They assured me that it was a minor clerical error & that they would take care if it. A few weeks later, a second suspension notice comes. The office staff assured me that the letters must have crossed in the mail & that it was nothing to worry about. Nearly TWO MONTHS later, I was stopped by a County Deputy, (for a missing tail light) who kindly informed me that my license had been suspended & that I should call for a ride home. I called Borrelli's office & emailed him AGAIN about the suspension. He never responded to the email & the staff had a real attitude with me on the phone. They told me not to call back and that if there was a problem, they would call me. When I asked for a call when the matter was resolved, they said no and actually told me to assume everything was okay if I didn't hear back. I had to go above them & contact Allstate directly to get this taken care of. An investigation was also launched by Allstate into Borrelli's practice.

  • Michael A Bruno

    2240 Long Pond Rd
    Rochester, NY 14606

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  • Samuel Nash

    1511 South Ave
    Rochester, NY 14620

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    This guy is as crooked as they come. Avoid allstate and especially avoid sam nash, I promise, You will regret meeting this crook. nCustomer-service-sucksnAbility to deal with customers-sucksnmaking himself available to customers- guy hides from his customersnThe way he speaks to customers-like crapnnThis guy is a crook,slime,who rips people off and totally takes advantage of people. God for bid you needed to make a claim-you would never get it from this guy. OUT FOR NUMBER 1!!!Himself. Cant say how much of a let down this guy is in our town and to think people trust the insurance of there home,vehicles, life!!! Scary stuff

  • Scott Wilmot

    3349 Monroe Ave
    Rochester, NY 14618

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    I went in for an insurance quote and met with the owner. In the middle of our conversation, he received a call from a customer who he (obviously) knew. He put the customer on hold. I told him to go ahead and take the call. I figured that I'd be there a while anyways. He said, ""That's O.K. He'll wait."" I tried to tell him to go ahead and take the call, that I was in fact, in no hurry at all, and still, he wouldn't pick up the phone. I tried to get out of there ASAP and got my quote and went somewhere else. I thought, if he treats his current customers like that, well, I just didn't want to be a part of that particular crowd. [true story]

  • The Born Agency

    515 Beahan Rd
    Rochester, NY 14624

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    Was recommended the service of this agency by acquaintances. The agents were not helpful in explaining the coverage, at times even being condescending to clients who are new and may not be familiar with the insurance lingo. I still stood with them for three years, in part to avoid the hassle of searching for a new agent, even after all my acquaintances had abandoned them. When I moved out of state and had to depart from their service, the rep was extremely rude, refusing to talk to me over the phone on two separate occasions, claiming that she had other calls to take. My aquaintances experienced similar disrespect when they left the Born Agency. My move was temporary and I had planned to resume my service with them, but obviously this will not be happening. There are many insurance agents in Rochester, do yourself a favor and avoid this one.

  • Urbanski Insurance Agency

    1134 Titus Ave
    Rochester, NY 14617

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    Worst customer service!! If you are 1000% sure you'll never have to file a claim then this is your company but god forbid you ever need them they will call you and tell you to get a new insurance company. They will ask you to drop them Bc they don't want you. We had a house fire and the owner called and didn't ask if anyone was ok or anything.. His words were "find a new insurance company Bc we don't want you"
    Buddy accidents do happen

    Worst insurance company I have EVER dealt with in my entire life! They gave me an insurance quote for a certain amount, when it came out of my bank account, it was more money than what I was told.. I asked about it and they told me there was nothing they could do about it. When my husband talked to the owner.. he was very rude very disrespectful and very arrogant! He raised his voice with my husband - he has NO customer service whatsoever! The lady, Zijada that I had to deal with is the one that gave me the wrong amount for my policy. She did not know what was going on with anything! It is a HORRIBLE insurance company with horrible people working there. I would never do business with them again, nor would I ever recommend them! If I could, I would give them a negative star rating!

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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