Cheap Quotes for Addison, NY Car Insurance (2024)
Addison, New York car insurance rates average $247 a month and New York law requires coverage of at least 25/50/10. By comparing rates from multiple Addison, NY companies, you can find cheap Addison car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Addison, NY are $247/month
- Average car insurance rates in Addison, NY after a DUI are $3,862/year
- Addison has an average commute time of 21.6 minutes
How do the Addison, New York monthly average car insurance rates of $247/month compare to nearby cities like New Rochelle car insurance rates, Schenectady car insurance rates, and Mount Vernon car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Addison, NY.
We’ll cover the New York minimum coverage requirements, New York car insurance laws, and Addison, NY statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Addison, New York companies to find the most affordable Addison car insurance rates.
Enter your ZIP code above to find cheap Addison, NY car insurance quotes today.
What are the minimum Addison, NY car insurance requirements?
To meet New York minimum car insurance coverage requirements, Addison, NY drivers need to carry at least 25/50/10 coverage.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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How do age, gender, and marital status affect Addison, NY car insurance rates?
Three of the criteria that most affect car insurance rates in Addison, New York are age, gender, and marital status. Let’s take a look at how each of these stack up with top Addison car insurance companies.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,303 | $2,182 | $2,136 | $2,165 | $6,315 | $6,758 | $2,329 | $2,356 |
| Geico | $1,309 | $1,259 | $1,268 | $1,250 | $2,616 | $3,718 | $1,188 | $1,211 |
| Liberty Mutual | $3,013 | $3,013 | $2,805 | $2,805 | $5,784 | $9,380 | $3,013 | $3,206 |
| Nationwide | $1,949 | $1,949 | $1,843 | $1,843 | $3,332 | $4,941 | $1,949 | $2,460 |
| Progressive | $1,553 | $1,476 | $1,271 | $1,282 | $4,820 | $5,366 | $1,974 | $1,922 |
| State Farm | $2,185 | $2,185 | $1,897 | $1,897 | $6,263 | $8,100 | $2,392 | $2,528 |
| Travelers | $2,257 | $2,287 | $2,053 | $2,205 | $5,125 | $6,077 | $2,389 | $2,497 |
| USAA | $1,598 | $1,573 | $1,437 | $1,445 | $6,303 | $7,547 | $2,047 | $2,264 |
How much do teen drivers pay for car insurance in Addison, NY?
Addison, New York car insurance rates for teens are often higher than rates for other drivers. Compare Addison car insurance rates from multiple Addison, New York car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,315 | $6,758 |
| Geico | $2,616 | $3,718 |
| Liberty Mutual | $5,784 | $9,380 |
| Nationwide | $3,332 | $4,941 |
| Progressive | $4,820 | $5,366 |
| State Farm | $6,263 | $8,100 |
| Travelers | $5,125 | $6,077 |
| USAA | $6,303 | $7,547 |
How much do senior drivers pay for car insurance in Addison, NY?
With a little research, seniors can find affordable car insurance in Addison, New York. Here’s a look at how the top Addison car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,136 | $2,165 |
| Geico | $1,268 | $1,250 |
| Liberty Mutual | $2,805 | $2,805 |
| Nationwide | $1,843 | $1,843 |
| Progressive | $1,271 | $1,282 |
| State Farm | $1,897 | $1,897 |
| Travelers | $2,053 | $2,205 |
| USAA | $1,437 | $1,445 |
How does coverage level affect Addison, NY car insurance rates?
How much coverage do you need? Are you comfortable with the New York minimum of 25/50/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Addison, NY car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,151 | $3,308 | $3,495 |
| Geico | $1,650 | $1,721 | $1,811 |
| Liberty Mutual | $3,976 | $4,114 | $4,292 |
| Nationwide | $2,402 | $2,514 | $2,685 |
| Progressive | $2,350 | $2,446 | $2,578 |
| State Farm | $3,271 | $3,449 | $3,573 |
| Travelers | $2,949 | $3,075 | $3,310 |
| USAA | $2,952 | $3,015 | $3,115 |
How does your driving record affect Addison, NY car insurance rates?
Safe driving pays off. The more traffic violations you have in Addison, NY, the higher your car insurance rates will be. Compare rates based on driving infractions from top Addison, New York companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,856 | $2,856 | $4,035 | $3,525 |
| Geico | $1,394 | $1,516 | $2,606 | $1,394 |
| Liberty Mutual | $3,338 | $3,338 | $6,496 | $3,338 |
| Nationwide | $1,946 | $1,946 | $4,251 | $1,990 |
| Progressive | $2,396 | $2,396 | $2,631 | $2,409 |
| State Farm | $3,276 | $3,276 | $3,587 | $3,587 |
| Travelers | $2,679 | $3,313 | $3,361 | $3,093 |
| USAA | $2,697 | $2,740 | $3,931 | $2,740 |
How does a DUI affect Addison, NY car insurance rates?
With even one DUI on your record, you can see an increase in your Addison, NY car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,035 |
| Geico | $2,606 |
| Liberty Mutual | $6,496 |
| Nationwide | $4,251 |
| Progressive | $2,631 |
| State Farm | $3,587 |
| Travelers | $3,361 |
| USAA | $3,931 |
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How does your credit history affect Addison, NY car insurance rates?
Take a look at the data here to see how your Addison, New York car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,720 | $2,796 | $2,437 |
| Geico | $2,163 | $1,592 | $1,427 |
| Liberty Mutual | $5,758 | $3,782 | $2,844 |
| Nationwide | $2,533 | $2,533 | $2,533 |
| Progressive | $3,903 | $2,006 | $1,465 |
| State Farm | $4,845 | $3,038 | $2,411 |
| Travelers | $4,288 | $2,701 | $2,345 |
| USAA | $4,707 | $2,323 | $2,051 |
How does your commute affect Addison, NY car insurance rates?
Addison, NY car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for New York can be seen here. Remember, though, that you may have to carry substantially more car insurance in Addison if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,274 | $3,362 |
| Geico | $1,678 | $1,777 |
| Liberty Mutual | $4,012 | $4,243 |
| Nationwide | $2,533 | $2,533 |
| Progressive | $2,458 | $2,458 |
| State Farm | $3,310 | $3,552 |
| Travelers | $3,111 | $3,111 |
| USAA | $2,997 | $3,057 |
Who has the cheapest Addison, NY car insurance rates?
Here’s a breakdown of Addison, New York car insurance rates by company. You can see which company offers the cheapest Addison car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
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What are the top Addison, NY car insurance companies?
Which Addison, New York car insurance company will best fit your needs and budget? Check out this comparison of the top Addison companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,318 |
| Geico | $1,728 |
| Liberty Mutual | $4,128 |
| Nationwide | $2,533 |
| Progressive | $2,458 |
| State Farm | $3,431 |
| Travelers | $3,111 |
| USAA | $3,027 |
What factors affect Addison, NY car insurance rates?
Why are Addison, New York car insurance rates different than rates in New Rochelle or Schenectady? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
How long is the average commute in Addison, NY?
More time spent behind the wheel can lead to higher Addison, New York car insurance rates. In Addison, NY, the average commute length is 21.6 minutes.
Car Insurance Quotes for Addison, NY
Shop for affordable Addison, New York car insurance rates today. Enter your ZIP code to compare quotes from multiple Addison, NY car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.