Cheap Quotes for Atlantic Beach, NY Car Insurance (2021)

Atlantic Beach, New York car insurance rates average $609 a month and New York law requires coverage of at least 25/50/10. By comparing rates from multiple Atlantic Beach, NY companies, you can find cheap Atlantic Beach 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

UPDATED: Aug 4, 2021

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Things to Know

  • Atlantic Beach has an average commute time of 45.9 minutes
  • Average car insurance rates in Atlantic Beach, NY for senior drivers are $4,513/year
  • Average car insurance rates in Atlantic Beach, NY after a DUI are $9,773/year

How do the Atlantic Beach, New York monthly average car insurance rates of $609/month compare to nearby cities like Rochester car insurance rates, Buffalo car insurance rates, and New Rochelle car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Atlantic Beach, NY.

We’ll cover the New York minimum coverage requirements, New York car insurance laws, and Atlantic Beach, NY statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Atlantic Beach, New York companies to find the most affordable Atlantic Beach car insurance rates.

Enter your ZIP code above to find cheap Atlantic Beach, NY car insurance quotes today.

What are the minimum Atlantic Beach, NY car insurance requirements?

To meet New York minimum car insurance coverage requirements, Atlantic Beach, NY drivers need to carry at least 25/50/10 coverage.

Minimum Required Car Insurance Coverage in Atlantic Beach, 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 Atlantic Beach, NY car insurance rates?

Three of the criteria that most affect car insurance rates in Atlantic Beach, New York are age, gender, and marital status. Let’s take a look at how each of these stack up with top Atlantic Beach car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Atlantic Beach, 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 $5,569 $5,158 $5,361 $5,458 $17,737 $18,941 $5,262 $5,211
GEICO $2,989 $2,874 $2,905 $2,862 $6,513 $9,679 $2,684 $2,751
Liberty Mutual $7,108 $7,108 $6,620 $6,620 $13,964 $20,178 $7,108 $7,545
Nationwide $5,363 $5,363 $5,034 $5,034 $10,129 $15,322 $5,363 $6,993
Progressive $4,128 $3,725 $3,205 $3,279 $13,768 $14,968 $5,177 $4,818
State Farm $5,060 $5,060 $4,445 $4,445 $14,881 $18,171 $5,603 $5,837
Travelers $6,362 $6,227 $5,813 $6,102 $15,257 $18,150 $6,651 $6,767
USAA $2,752 $2,701 $2,514 $2,510 $11,374 $13,456 $3,536 $3,915

How much do teen drivers pay for car insurance in Atlantic Beach, NY?

Atlantic Beach, New York car insurance rates for teens are often higher than rates for other drivers. Compare Atlantic Beach car insurance rates from multiple Atlantic Beach, New York car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Atlantic Beach, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $17,737 $18,941
GEICO $6,513 $9,679
Liberty Mutual $13,964 $20,178
Nationwide $10,129 $15,322
Progressive $13,768 $14,968
State Farm $14,881 $18,171
Travelers $15,257 $18,150
USAA $11,374 $13,456

How much do senior drivers pay for car insurance in Atlantic Beach, NY?

With a little research, seniors can find affordable car insurance in Atlantic Beach, New York. Here’s a look at how the top Atlantic Beach car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Atlantic Beach, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,361 $5,458
GEICO $2,905 $2,862
Liberty Mutual $6,620 $6,620
Nationwide $5,034 $5,034
Progressive $3,205 $3,279
State Farm $4,445 $4,445
Travelers $5,813 $6,102
USAA $2,514 $2,510

How does coverage level affect Atlantic Beach, 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 Atlantic Beach, NY car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Atlantic Beach, New York

Insurance Company Low Medium High
Allstate $7,475 $8,518 $9,769
GEICO $3,885 $4,132 $4,455
Liberty Mutual $9,004 $9,504 $10,087
Nationwide $6,783 $7,248 $7,945
Progressive $6,207 $6,579 $7,114
State Farm $7,475 $7,992 $8,347
Travelers $8,292 $8,779 $9,678
USAA $5,135 $5,306 $5,593

How does your driving record affect Atlantic Beach, NY car insurance rates?

Safe driving pays off. The more traffic violations you have in Atlantic Beach, NY, the higher your car insurance rates will be. Compare rates based on driving infractions from top Atlantic Beach, New York companies.

Annual Atlantic Beach, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,119 $7,119 $10,866 $9,244
GEICO $3,194 $3,485 $6,756 $3,194
Liberty Mutual $7,481 $7,481 $15,684 $7,481
Nationwide $5,490 $5,490 $12,697 $5,624
Progressive $6,438 $6,438 $7,172 $6,486
State Farm $7,535 $7,535 $8,341 $8,341
Travelers $7,497 $9,587 $9,720 $8,861
USAA $4,756 $4,836 $6,951 $4,836

How does a DUI affect Atlantic Beach, NY car insurance rates?

With even one DUI on your record, you can see an increase in your Atlantic Beach, NY car insurance rates.

Annual Car Insurance Rates After a DUI in Atlantic Beach, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,866
GEICO $6,756
Liberty Mutual $15,684
Nationwide $12,697
Progressive $7,172
State Farm $8,341
Travelers $9,720
USAA $6,951

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How does your credit history affect Atlantic Beach, NY car insurance rates?

Take a look at the data here to see how your Atlantic Beach, New York car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Atlantic Beach, New York

Insurance Company Poor Fair Good
Allstate $12,720 $7,090 $5,952
GEICO $5,211 $3,826 $3,434
Liberty Mutual $13,368 $8,717 $6,510
Nationwide $7,325 $7,325 $7,325
Progressive $10,861 $5,265 $3,775
State Farm $11,213 $7,026 $5,574
Travelers $12,656 $7,615 $6,477
USAA $8,164 $4,184 $3,687

How does your commute affect Atlantic Beach, NY car insurance rates?

Atlantic Beach, 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 Atlantic Beach if you’re financing.

Annual Car Insurance Rates by Commute Length in Atlantic Beach, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,463 $8,712
GEICO $4,034 $4,280
Liberty Mutual $9,255 $9,808
Nationwide $7,325 $7,325
Progressive $6,633 $6,633
State Farm $7,635 $8,240
Travelers $8,916 $8,916
USAA $5,290 $5,399

Who has the cheapest Atlantic Beach, NY car insurance rates?

Here’s a breakdown of Atlantic Beach, New York car insurance rates by company. You can see which company offers the cheapest Atlantic Beach car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Atlantic Beach, New York

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

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What are the top Atlantic Beach, NY car insurance companies?

Which Atlantic Beach, New York car insurance company will best fit your needs and budget? Check out this comparison of the top Atlantic Beach companies to find the one for you.

Average Annual Car Insurance Rates by Company in Atlantic Beach, New York

Insurance Company Average Annual Rates
Allstate $8,587
GEICO $4,157
Liberty Mutual $9,531
Nationwide $7,325
Progressive $6,633
State Farm $7,938
Travelers $8,916
USAA $5,345

What factors affect Atlantic Beach, NY car insurance rates?

Why are Atlantic Beach, New York car insurance rates different than rates in Rochester or Buffalo? 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 Atlantic Beach, NY?

More time spent behind the wheel can lead to higher Atlantic Beach, New York car insurance rates. In Atlantic Beach, NY, the average commute length is 45.9 minutes.

Car Insurance Quotes for Atlantic Beach, NY

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