Cheap Quotes for Cutchogue, NY Car Insurance (2021)

Cutchogue, New York car insurance rates average $397 a month and New York law requires coverage of at least 25/50/10. By comparing rates from multiple Cutchogue, NY companies, you can find cheap Cutchogue 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 Cutchogue, NY for senior drivers are $2,968/year
  • Average car insurance rates in Cutchogue, NY are $397/month
  • Cutchogue has an average commute time of 32.1 minutes

How do the Cutchogue, New York monthly average car insurance rates of $397/month compare to nearby cities like Buffalo car insurance rates, Albany car insurance rates, and Yonkers car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Cutchogue, NY.

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

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

What are the minimum Cutchogue, NY car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cutchogue, 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 $3,027 $2,839 $2,856 $2,904 $9,055 $9,735 $2,962 $2,977
GEICO $1,938 $1,865 $1,884 $1,856 $4,160 $6,138 $1,742 $1,782
Liberty Mutual $6,047 $6,047 $5,633 $5,633 $11,845 $17,111 $6,047 $6,418
Nationwide $3,894 $3,894 $3,662 $3,662 $7,249 $10,911 $3,894 $5,043
Progressive $2,679 $2,442 $2,096 $2,146 $8,841 $9,655 $3,375 $3,183
State Farm $2,768 $2,768 $2,423 $2,423 $8,017 $9,866 $3,050 $3,216
Travelers $3,244 $3,266 $2,965 $3,173 $7,594 $9,079 $3,435 $3,571
USAA $2,290 $2,254 $2,085 $2,091 $9,224 $10,935 $2,946 $3,267

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

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,055 $9,735
GEICO $4,160 $6,138
Liberty Mutual $11,845 $17,111
Nationwide $7,249 $10,911
Progressive $8,841 $9,655
State Farm $8,017 $9,866
Travelers $7,594 $9,079
USAA $9,224 $10,935

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

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,856 $2,904
GEICO $1,884 $1,856
Liberty Mutual $5,633 $5,633
Nationwide $3,662 $3,662
Progressive $2,096 $2,146
State Farm $2,423 $2,423
Travelers $2,965 $3,173
USAA $2,085 $2,091

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

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

Insurance Company Low Medium High
Allstate $4,226 $4,523 $4,885
GEICO $2,492 $2,653 $2,867
Liberty Mutual $7,665 $8,075 $8,553
Nationwide $4,894 $5,222 $5,712
Progressive $4,041 $4,268 $4,597
State Farm $4,067 $4,342 $4,540
Travelers $4,267 $4,484 $4,871
USAA $4,224 $4,357 $4,579

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

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

Annual Cutchogue, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,829 $3,829 $5,655 $4,865
GEICO $2,067 $2,254 $4,294 $2,067
Liberty Mutual $6,367 $6,367 $13,289 $6,367
Nationwide $3,981 $3,981 $9,066 $4,076
Progressive $4,178 $4,178 $4,645 $4,207
State Farm $4,107 $4,107 $4,526 $4,526
Travelers $3,879 $4,850 $4,918 $4,517
USAA $3,912 $3,976 $5,682 $3,976

How does a DUI affect Cutchogue, NY car insurance rates?

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,655
GEICO $4,294
Liberty Mutual $13,289
Nationwide $9,066
Progressive $4,645
State Farm $4,526
Travelers $4,918
USAA $5,682

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

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

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

Insurance Company Poor Fair Good
Allstate $6,545 $3,811 $3,278
GEICO $3,347 $2,458 $2,206
Liberty Mutual $11,345 $7,408 $5,540
Nationwide $5,276 $5,276 $5,276
Progressive $6,981 $3,441 $2,485
State Farm $6,089 $3,823 $3,037
Travelers $6,308 $3,925 $3,389
USAA $6,717 $3,426 $3,016

How does your commute affect Cutchogue, NY car insurance rates?

Cutchogue, 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 Cutchogue if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,482 $4,607
GEICO $2,592 $2,749
Liberty Mutual $7,863 $8,332
Nationwide $5,276 $5,276
Progressive $4,302 $4,302
State Farm $4,159 $4,473
Travelers $4,541 $4,541
USAA $4,342 $4,431

Who has the cheapest Cutchogue, NY car insurance rates?

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

Best Annual Car Insurance Rates by Company in Cutchogue, 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 Cutchogue, NY car insurance companies?

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

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

Insurance Company Average Annual Rates
Allstate $4,544
GEICO $2,671
Liberty Mutual $8,098
Nationwide $5,276
Progressive $4,302
State Farm $4,316
Travelers $4,541
USAA $4,387

What factors affect Cutchogue, NY car insurance rates?

Why are Cutchogue, New York car insurance rates different than rates in Buffalo or Albany? 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 Cutchogue, NY?

More time spent behind the wheel can lead to higher Cutchogue, New York car insurance rates. In Cutchogue, NY, the average commute length is 32.1 minutes.

Car Insurance Quotes for Cutchogue, NY

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