Get the best NY auto insurance rates from the top-rated carriers. Rochester prices are lower than most other parts of the state. Regardless if you have a perfect driving record or numerous tickets and accidents, we'll do the shopping so you can save. We shop Monroe County and the surrounding area so you can pay less. Our "Best Empire State Quote" guarantee is designed to show you the best offers.
Instantly compare the cheapest New York prices and lower your premium. With more than 37 years of expert guidance and unbiased advice, our goal is to find the best offers for the vehicles you own. We are the leading consumer website for auto insurance shopping. We specialize in researching the top-rated carriers in Rochester and the remainder of the state. Trucks and boats can also be easily covered. Other areas in the immediate vicinity we service include Brighton, Irondequoit, Canadaigua, Newark, Batavia, Geneva, Green Hills, and Elkdale.
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Typically, Geico, Mercury, USAA, Allstate, and Central Mutual feature very competitive rates. However, depending on where you live and the age of your drivers, several additional companies frequently offer very attractive prices. For example, if you need an SR-22 Bond because of a license suspension, or you have more than three moving violations on your MVR Report, several high-risk (non-standard) companies may be a better option. Regardless, you can compare and purchase online, or experienced local brokers can be found on Cooper Road, West Ridge Road, East Avenue, W. Henrietta Road, Linden Avenue, Long Pond Road, and Winton Road N. Some of the local zip codes with very attractive rates include 14604, 14607, 14608, 14609, 14613, 14614, 14615, 14622, 14623, 14626, 14627, 14638, 14643, 14644, 14650, 14651, 14652, 14639, 14642, 14653, and 14694.
Rochester is in Monroe County, which features some of the cheapest NY car insurance rates. Other counties nearby that also have low rates are Orleans, Wayne, Ontario, Livingston, Wyoming, Seneca, and Cayuga. Some carriers use a zip code, instead of a county rating system. When providing quotes, we choose the companies that offer you the lowest rates, based on your zip code and county. If you change vehicles or drivers, it is possible that additional carriers may offer the most competitive options.
All policies must meet the state minimum liability limits that are established by the NY Department of Insurance. The minimum liability limits required are $25,000 for bodily injury, $50,000 for death and $10,000 for property damage. Also, if you have a vehicle registered, coverage must be active with a licensed and approved carrier in NY. Increasing your existing limits should be considered, depending on the amount of unprotected assets you have. For instance, if you own numerous rental properties and/or boats, an excess liability policy should be added. Amounts between $250,000 and $10 million are available. A separate deductible would apply. The DOI also offers information on disasters, medical malpractice coverage, and disciplinary actions.
The New York Department of Motor Vehicles provides various online services, including DMV records, ID cards for non-drivers, commercial driver licenses (cdl), custom plate applications, and much more! If you would like to order a copy of your driving record, it can be purchased online for a very small fee. Duplicate titles and registrations can also be ordered. For new residents, or persons moving outside of the area, several free services are offered. Tickets, points, and penalty information cam also be provided.
It's important to understand that the penalty for not securing coverage in New York is a suspension of both your license and registration. Until it is reinstated, you can not legally operate a vehicle. However, you may have up to 10 days to reinstate your privileges if you received a "lapse letter" in the mail. Additional NY licensing and registration advice is offered directly through the website. If you own or drive commercial vehicles, special rules and limit restrictions may apply.
Although we review all New York carriers, the companies that generally offer very competitive rates include Geico, Liberty Mutual, Erie, State Farm, USAA, Nationwide, Allstate, NYCM, Central Mutual, Amica, Utica National, Hanover, and Encompass.
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