As New York’s third largest city, Rochester is home to over 200,000 residents. With busy roads and neighborhoods ranging from urban to suburban, Rochester drivers need reliable car insurance coverage.
State Farm is a top choice for auto insurance in Rochester, as well as home, life, and business insurance. But with over 20 local State Farm agents to choose from, how do you find the best one for your needs?
This guide examines State Farm insurance options in Rochester, average rates, discounts, and how to pick the right agent for you.
State Farm Insurance Products Offered in Rochester
State Farm provides all types of insurance for Rochester residents and businesses:
Auto Insurance: State Farm offers competitively priced car insurance with options for liability, collision, comprehensive, medical payments, uninsured motorist, and more. Usage-based Drive Safe & SaveTM program available.
Home Insurance: Protects your home and belongings from threats like fire, lightning, theft, and more. Condo and renters policies available.
Life Insurance: Term life, whole life, and universal life options plus disability and long term care insurance.
Business Insurance: From business owners policies to commercial auto and liability umbrella coverage.
Other Insurance: Boat, motorcycle, RV insurance plus health insurance and identity protection services.
State Farm leverages local agents to provide personalized service when selecting coverages and filing claims.
Average State Farm Insurance Rates in Rochester
State Farm car insurance rates in Rochester average around $1,542 annually for full coverage based on 2021 premium data. Overall, State Farm offers very competitive premiums, although discounts you qualify for can significantly lower your quote.
Here are the average annual rates paid in Rochester by coverage level:
- Minimum coverage: $406
- Full coverage: $1,542
- After an accident: $2,308
Of course, your individual premium will vary based on factors like your age, vehicle, driving history and address. That’s why it pays to compare quotes specifically for your situation.
Top State Farm Agents in Rochester
With over 20 State Farm offices in the Rochester area, how do you find the best agent for your needs?
Here are a few top-rated State Farm insurance agents in Rochester based on customer reviews and ratings:
Chris Marmo
Located on Fisher Rd, Chris Marmo has 5-star ratings for his friendly service and help finding coverage discounts.
Phone: 585-247-1462
Tom Gervais
Tom Gervais offers personalized service from his Henrietta office, earning 5-star ratings for fast claim resolution.
Phone: 585-359-4280
George Larry
George Larry’s office on Henrietta Rd has perfect 5-star reviews for affordable rates and attentive customer service.
Phone: 585-334-0150
Deborah Whitt
With an office in Greece, Deborah Whitt earns rave reviews for taking the time to explain policies and optimize coverage.
Phone: 585-663-0960
Dominic Agostini
Dominic Agostini is a knowledgeable agent with two Rochester locations. He gets top ratings for finding savings and simplifying insurance.
Phone: 585-227-7000
Be sure to get quotes from at least 2-3 agents to find the best rates and service level for your needs.
Discounts to Lower Your State Farm Premiums
Taking advantage of discounts is the best way to save on Rochester State Farm insurance. Ask agents what discounts apply to you:
- Multi-policy: Save up to 17% when you bundle home and auto insurance.
- New vehicle: Save up to 30% if your vehicle is 3 years old or less.
- Defensive driving: Take a class for up to 10% off.
- Good student: Get up to 25% off with a B average or better.
- Anti-theft device: Knocks 5% or more off premiums for alarms, VIN etching, or tracking device.
- Good driving: Up to 30% off for a clean record.
- Usage-based: Drive Safe & SaveTM program gives up to 30% off for safe driving.
- Paperless billing: Save on administration fees by going paperless.
- Adaptive equipment: Discounts for certain safety equipment for drivers with disabilities.
Every discount adds up when trying to find cheap State Farm car insurance quotes in Rochester! Make sure to ask agents what you qualify for.
How to Find the Best State Farm Insurance in Rochester
Follow these tips for getting great value on Rochester State Farm insurance:
- Compare quotes from multiple local State Farm agents to find the lowest rate based on your risk profile.
- Ask about all available discounts to maximize your savings opportunities.
- Consider bundling home or life insurance to save up to 17% on auto insurance.
- Adjust coverage limits appropriately to save money while still getting adequate protection.
- Improve your credit since State Farm uses credit-based insurance scores to set premiums.
- Maintain a clean driving record to qualify for the best rates.
- Review ratings for agents in your area to find one that offers great service and rates.
- Get quotes every renewal to ensure you still have the best State Farm price as new discounts arise.
Finding the right State Farm agent providing the optimal coverage at the lowest price takes some work. But given the savings of hundreds of dollars per year, it’s time well spent! Get free Rochester State Farm insurance quotes online or contact agents today to start optimizing your policies.
Frequently Asked Questions
1. Who has the cheapest State Farm car insurance in Rochester?
The cheapest State Farm premiums come from getting quotes from multiple local agents and maximizing all available discounts. Chris Marmo, Tom Gervais, George Larry, and Deborah Whitt are a few top-rated agents known for affordable rates.
2. How much is State Farm auto insurance in Rochester?
The average State Farm driver in Rochester pays around $128 per month or $1,542 annually for full coverage based on 2021 premium data. But your actual cost depends on your age, vehicle, driving history, and discounts.
3. What discounts can you get on State Farm insurance in Rochester?
Major State Farm discounts in Rochester include multi-policy, new vehicle, defensive driving, good student, anti-theft device, good driving, usage-based, paperless billing, and adaptive equipment. Ask agents what you qualify for.
4. Does State Farm offer renters insurance in Rochester?
Yes, State Farm has competitive rates on renters insurance that covers your possessions against theft, fire, water damage, and more. Renters can bundle with auto and save up to 17% on premiums.
5. What is the best rated State Farm agent in Rochester?
Some top agents based on customer reviews include Chris Marmo, Tom Gervais, George Larry, Deborah Whitt, and Dominic Agostini. But make sure to get quotes from a few agents to find the right fit.
6. How much is State Farm motorcycle insurance in Rochester?
The average cost for full coverage State Farm motorcycle insurance in Rochester is around $1,173 per year. However, your specific rate depends on your bike, driving record, selected coverage limits, and any discounts for which you qualify.
7. Does State Farm offer business insurance in Rochester?
Yes, State Farm provides extensive business insurance options in Rochester including business owners policies (BOPs), commercial auto, liability umbrella coverage, workers’ compensation, and more. An agent can help find the right policies and discounts for your company.
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