Cheap Quotes for Addison, NY Car Insurance (2021)

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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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • 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.

Minimum Required Car Insurance Coverage in Addison, New York

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Addison, New York

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.

Annual Car Insurance Rates for Teen Drivers in Addison, New York

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.

Annual Car Insurance Rates for Senior Drivers in Addison, New York

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.

Annual Car Insurance Rates by Coverage Level in Addison, New York

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.

Annual Addison, New York Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Addison, New York

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.

Annual Car Insurance Rates by Credit Score in Addison, New York

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.

Annual Car Insurance Rates by Commute Length in Addison, New York

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.

Best Annual Car Insurance Rates by Company in Addison, New York

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.

Average Annual Car Insurance Rates by Company in Addison, New York

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

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