Cheap Quotes for East Otto, NY Car Insurance (2021)

East Otto, New York car insurance rates average $258 a month and New York law requires coverage of at least 25/50/10. By comparing rates from multiple East Otto, NY companies, you can find cheap East Otto car insurance quotes to fit your needs and budget.

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

Advertiser Disclosure

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.

Things to Know

  • The cheapest car insurance company in East Otto is GEICO
  • Average car insurance rates in East Otto, NY for senior drivers are $1,930/year
  • Average car insurance rates in East Otto, NY are $258/month

How do the East Otto, New York monthly average car insurance rates of $258/month compare to nearby cities like Utica car insurance rates, Albany car insurance rates, and Buffalo car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in East Otto, NY.

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

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

What are the minimum East Otto, NY car insurance requirements?

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

Minimum Required Car Insurance Coverage in East Otto, 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

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

How do age, gender, and marital status affect East Otto, NY car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in East Otto, 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 $2,390 $2,251 $2,214 $2,237 $6,516 $6,961 $2,398 $2,416
GEICO $1,510 $1,452 $1,463 $1,442 $3,071 $4,408 $1,368 $1,397
Liberty Mutual $3,013 $3,013 $2,805 $2,805 $5,784 $9,380 $3,013 $3,206
Nationwide $2,078 $2,078 $1,963 $1,963 $3,618 $5,377 $2,078 $2,635
Progressive $1,547 $1,478 $1,274 $1,283 $4,897 $5,480 $1,983 $1,944
State Farm $2,190 $2,190 $1,901 $1,901 $6,250 $8,078 $2,396 $2,527
Travelers $2,514 $2,549 $2,289 $2,462 $5,788 $6,887 $2,670 $2,790
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 East Otto, NY?

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

Annual Car Insurance Rates for Teen Drivers in East Otto, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,516 $6,961
GEICO $3,071 $4,408
Liberty Mutual $5,784 $9,380
Nationwide $3,618 $5,377
Progressive $4,897 $5,480
State Farm $6,250 $8,078
Travelers $5,788 $6,887
USAA $6,303 $7,547

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

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

Annual Car Insurance Rates for Senior Drivers in East Otto, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,214 $2,237
GEICO $1,463 $1,442
Liberty Mutual $2,805 $2,805
Nationwide $1,963 $1,963
Progressive $1,274 $1,283
State Farm $1,901 $1,901
Travelers $2,289 $2,462
USAA $1,437 $1,445

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

Annual Car Insurance Rates by Coverage Level in East Otto, New York

Insurance Company Low Medium High
Allstate $3,265 $3,413 $3,589
GEICO $1,918 $2,009 $2,114
Liberty Mutual $3,976 $4,114 $4,292
Nationwide $2,574 $2,704 $2,893
Progressive $2,381 $2,476 $2,600
State Farm $3,272 $3,446 $3,569
Travelers $3,315 $3,457 $3,709
USAA $2,952 $3,015 $3,115

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

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

Annual East Otto, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,949 $2,949 $4,158 $3,635
GEICO $1,610 $1,752 $3,083 $1,610
Liberty Mutual $3,338 $3,338 $6,496 $3,338
Nationwide $2,088 $2,088 $4,585 $2,135
Progressive $2,424 $2,424 $2,659 $2,437
State Farm $3,274 $3,274 $3,584 $3,584
Travelers $3,000 $3,723 $3,777 $3,474
USAA $2,697 $2,740 $3,931 $2,740

How does a DUI affect East Otto, NY car insurance rates?

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

Annual Car Insurance Rates After a DUI in East Otto, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,158
GEICO $3,083
Liberty Mutual $6,496
Nationwide $4,585
Progressive $2,659
State Farm $3,584
Travelers $3,777
USAA $3,931

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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

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

Annual Car Insurance Rates by Credit Score in East Otto, New York

Insurance Company Poor Fair Good
Allstate $4,876 $2,883 $2,509
GEICO $2,522 $1,855 $1,664
Liberty Mutual $5,758 $3,782 $2,844
Nationwide $2,724 $2,724 $2,724
Progressive $3,914 $2,043 $1,500
State Farm $4,842 $3,036 $2,409
Travelers $4,809 $3,035 $2,638
USAA $4,707 $2,323 $2,051

How does your commute affect East Otto, NY car insurance rates?

East Otto, 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 East Otto if you’re financing.

Annual Car Insurance Rates by Commute Length in East Otto, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,377 $3,468
GEICO $1,955 $2,072
Liberty Mutual $4,012 $4,243
Nationwide $2,724 $2,724
Progressive $2,486 $2,486
State Farm $3,307 $3,551
Travelers $3,494 $3,494
USAA $2,997 $3,057

Who has the cheapest East Otto, NY car insurance rates?

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

Best Annual Car Insurance Rates by Company in East Otto, New York

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

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What are the top East Otto, NY car insurance companies?

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

Average Annual Car Insurance Rates by Company in East Otto, New York

Insurance Company Average Annual Rates
Allstate $3,423
GEICO $2,014
Liberty Mutual $4,128
Nationwide $2,724
Progressive $2,486
State Farm $3,429
Travelers $3,494
USAA $3,027

Car Insurance Quotes for East Otto, NY

Shop for affordable East Otto, New York car insurance rates today. Enter your ZIP code to compare quotes from multiple East Otto, NY car insurance companies.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption