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

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

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

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