We've Got Car Insurance in Rochester Covered.

Rochester – You’re in good hands®

Rochester, New York might be the ideal base camp for the perfect summer. Rochester is just a few hours away from the hustle and bustle of New York City, and virtually equidistant from the peace and tranquility of the Adirondacks. It’s ideally located for folks who may not want to be in the big city all the time, but like having the option.

From hiking the foothills, to visiting Niagara Falls, to taking weekend trips to one of the many drive-in theaters located throughout the state, you’ll need car insurance that can go the distance with you. Allstate’s car insurance products offer coverage to help fit your needs– whether you’re commuting to work each day, or taking the adventure of a lifetime. Your local Allstate agent can help you choose which coverage options work best for your situation.

Car Insurance Requirements in Rochester

If you're at fault for a car accident, auto liability coverage may help pay for expenses related to the other person's medical bills or damage to their property, up to the limits stated in your policy.

Browse through Allstate Rochester insurance agents below, or click to view Rochester insurance requirements, coverage options and helpful resources

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According to the New York Department of Financial Services, you need the following minimum amounts of auto liability coverage to drive in the Empire State:

  • $25,000 for bodily injury and $50,000 in case of death for a person involved in an accident
  • $50,000 for bodily injury and $100,000 in case of death for two or more people in an accident
  • $10,000 property damage liability coverage per incident

The department notes New York drivers are also required to buy the following coverage:

  • Personal injury protection (PIP)

    If you’re in a car accident, this coverage may help pay for expenses related to your or your passengers' injuries, including medical bills. This coverage is sometimes called “no-fault,” because it helps pay regardless of whether you were at fault for an accident. 

  • Uninsured motorist coverage

    If you’re struck by a motorist with no insurance, Allstate may help pay for your medical expenses. Uninsured motorist coverage limits must match your bodily injury liability limits.

Allstate’s policy offerings, in conjunction with New York regulations, may help ensure you’re protected and help give you peace of mind. 

Why Insurance is Important 

Car insurance from Allstate may help you avoid paying out of pocket if you accidentally injure someone else or damage their property. Coverage is also available to help protect your vehicle, if it’s damaged as a result of a collision or another covered peril.

Allstate may help cover a variety of scenarios in which your car could be compromised and addresses each of them with affordable coverage options. Whether you’re concerned about other drivers, car theft, vandalism, or forces of nature, we have a coverage that may help protect your vehicle.

An agent can help you choose coverage options based on your unique situation – your budget, type and age of vehicle, and other factors.

How Allstate Makes a Difference

Allstate makes it easier than ever to put together a personalized insurance policy. An agent in the Rochester area may be able to help you customize your policy with discounts and offerings to help protect yourself and your vehicle.

Available discounts may include the option to bundle your car insurance with coverage for your home, renters insurance or a life insurance policy. Contact an Allstate agent in your area today, and start enjoying the peace of mind that comes with knowing you’re protected.

Insurance Resources in Rochester

Access the New York Department of Motor Vehicles website to learn more about legal requirements for car insurance in this state, rules and regulations for vehicle registration, obtaining licenses and more.