Rome Auto Insurance

Last Updated on January 21, 2026

Looking for auto insurance in Rome, New York? Whether you’re commuting across town, driving in winter weather, or sharing the road with heavier seasonal traffic, the right policy helps protect your budget and your vehicle.

Below you’ll find New York’s required coverages, what drivers typically pay, practical coverage recommendations, and a vetted list of insurers and local agencies serving Rome, NY.

New York Auto Insurance Requirements

New York’s auto insurance requirements are set statewide and can change over time. The table below summarizes the common statewide minimum coverages and limits required for most passenger vehicles.

Coverage	NY Minimum Requirement
Bodily Injury Liability	$25,000 per person / $50,000 per accident
Property Damage Liability	$10,000 per accident
No-Fault (PIP)	$50,000 per person
Uninsured Motorist (Bodily Injury)	$25,000 per person / $50,000 per accident
Death Liability	$50,000 per person / $100,000 per accident

Source: NY State DMV – Insurance Requirements

Bodily Injury Liability helps pay for injuries you cause to others in an at-fault crash. Property Damage Liability helps cover damage you cause to someone else’s vehicle or property.

No-Fault (PIP) helps pay for medical expenses and certain related costs for you and your passengers after a crash, regardless of fault. Uninsured Motorist helps protect you if you’re hit by a driver who doesn’t have insurance (or doesn’t have enough).

Death Liability is a separate required component in New York. Because medical bills, legal costs, and vehicle repairs can get expensive quickly, many drivers in Rome choose higher liability limits than the minimum—especially households with savings, a home, or teen drivers.

How Much Does Car Insurance Cost in Rome?

Car insurance rates vary by driver, but published sample pricing can still help you benchmark what you might expect. The examples below reflect recent published rate analyses (your quote can be higher or lower based on ZIP code, driving record, vehicle, coverages, and more).

Coverage Level	Typical Monthly	Typical Annual	Notes
Full Coverage (Rome sample)	$169/mo	$2,033/yr	As of Nov 2025 (published sample rates)
State Minimum (NY benchmark)	$148/mo	$1,773/yr	As of Nov 2025 (published statewide average)

Data note: These are published sample averages for comparison. Your actual premium in Rome can change based on your exact ZIP code, claims history, coverage choices (deductibles/limits), vehicle repair costs, annual mileage, and household drivers.

Reference: Bankrate – Average Cost of Car Insurance in New York (rates refreshed as of Nov 2025)

Recommended Coverage for Drivers in Rome

Minimum coverage meets the legal requirement, but it may not be enough to protect your finances after a serious accident. Many Rome drivers consider these practical upgrades:

• Higher Liability Limits: A common step-up is 100/300 for bodily injury and $100,000 for property damage (or more if you have significant assets).
• Collision & Comprehensive: Helpful if your vehicle is newer, financed/leased, or costly to repair. Comprehensive covers non-collision losses like theft, vandalism, weather, and animal-related damage.
• Deductible Strategy: Choose a deductible you could comfortably pay on short notice; raising deductibles can reduce premium, but increases out-of-pocket cost after a claim.
• Rental & Roadside: Useful if you rely on your car daily or want fewer surprises after a breakdown or claim.
• Gap Insurance: Consider if you owe more than your car’s value (common with newer loans/leases).

Best Car Insurance Companies for Rome

“Best” depends on your driver profile (record, vehicle, credit-based insurance score where permitted, mileage, and coverage needs). These companies are commonly strong options for New York drivers and may be worth quoting for Rome.

Company	Best For	Why it’s good	Watch-outs
New York Central Mutual	Upstate value seekers	Often competitive pricing and a regional footprint that fits many Central NY drivers.	Availability and discounts vary by ZIP; agent access may differ by neighborhood.
Travelers	Drivers who want robust coverage options	Strong add-ons (bundling, optional coverages) and broad underwriting options.	Not always the cheapest for young or high-risk drivers.
State Farm	People who prefer local agent support	Large agent network and solid service options for many household types.	Best pricing can be profile-dependent; compare with other carriers.
Progressive	Drivers comparing many price points	Flexible pricing, strong online tools, and common discount pathways.	Rate changes at renewal can happen—re-shop regularly.
GEICO	Online-first shoppers	Often competitive for clean records and straightforward coverage needs.	Less “in-person” help unless you use an agent/broker channel.
Erie	Service-focused drivers	Often strong claims/service reputation with agent guidance.	Must buy through an agent; availability varies.
Nationwide	Bundling auto + home/renters	Good bundling opportunities and optional coverage features.	Pricing can vary widely by driver and ZIP code.
USAA	Military families	Often excellent value and service for eligible members.	Eligibility required (military members/veterans and some family members).
Allstate	Drivers who want agent guidance + add-ons	Local agent support plus a variety of coverage and discount options.	Can be pricier for some profiles—always compare.

Best Auto Insurance Agents in Rome

If you’d like help comparing carriers, adjusting deductibles, or bundling policies, a local agent can walk you through options. Here are verified agencies serving Rome, NY.

Agency	Address	Phone	Website	Why they’re a good fit
Steve Jarvis (State Farm)	834 Black River Blvd, Rome, NY 13440	(315) 336-5595	Website	Local office support for policy changes, claims guidance, and coverage reviews.
Stephanie Utter (State Farm)	8060 Turin Rd, Rome, NY 13440	(315) 339-3300	Website	Great option if you prefer a neighborhood agent relationship and ongoing service.
Michael Collea (State Farm)	146 Erie Blvd E, Rome, NY 13440	(315) 371-4225	Website	Helpful for households that want a guided review of limits, deductibles, and discounts.
Joseph Zullo (Allstate)	241 E Dominick St, Rome, NY 13440	(315) 339-1134	Website	Good for drivers who want agent advice plus Allstate coverage options.
Alan I. Spindler (Allstate)	813 Black River Blvd N, Rome, NY 13440	(315) 336-4040	Website	Another Allstate option in Rome for quotes, coverage add-ons, and support.
Freeway Insurance Services of NY Inc.	211 E Dominick St, Rome, NY 13440	(315) 339-5897	Website	Useful if you want help comparing multiple carriers and policy types.
Brown & Brown Insurance Services Inc. (Nationwide)	110 Langley Rd Ste 200, Rome, NY 13441	(315) 337-3400	Website	Good fit for bundling and guidance through Nationwide options.
Moore Insurance Group Agency Inc.	1002 Black River Blvd, Rome, NY 13440	(315) 371-4288	Website	Independent agency that can help compare coverages and carriers.
Wagoner-Hickok Agency, Inc.	830 Black River Blvd N, Rome, NY 13440	(315) 339-0902	—	Independent agency option for drivers who want a local, multi-carrier approach.
Mary Lou Croad Insurance	200 E Garden St, Rome, NY 13440	(315) 336-8875	Website	Local agency support for reviewing limits, deductibles, and policy fit.

FAQs on Auto Insurance in Rome, NY