Cheap Quotes for Hamlin, NY Car Insurance (2021)

Hamlin, New York car insurance rates average $254 a month and New York law requires coverage of at least 25/50/10. By comparing rates from multiple Hamlin, NY companies, you can find cheap Hamlin 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

  • Hamlin has an average commute time of 29.7 minutes
  • Average car insurance rates in Hamlin, NY for senior drivers are $1,868/year
  • Average car insurance rates in Hamlin, NY after a DUI are $3,998/year

How do the Hamlin, New York monthly average car insurance rates of $254/month compare to nearby cities like New York car insurance rates, Schenectady 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 Hamlin, NY.

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

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

What are the minimum Hamlin, NY car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hamlin, 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 $2,374 $2,224 $2,237 $2,268 $6,944 $7,464 $2,315 $2,319
GEICO $1,251 $1,207 $1,221 $1,203 $2,644 $3,888 $1,127 $1,164
Liberty Mutual $3,009 $3,009 $2,804 $2,804 $5,827 $9,435 $3,009 $3,194
Nationwide $2,020 $2,020 $1,910 $1,910 $3,567 $5,294 $2,020 $2,565
Progressive $1,692 $1,574 $1,349 $1,374 $5,844 $6,497 $2,190 $2,131
State Farm $2,166 $2,166 $1,888 $1,888 $6,367 $8,218 $2,380 $2,519
Travelers $2,269 $2,278 $2,075 $2,215 $5,250 $6,243 $2,401 $2,492
USAA $1,512 $1,483 $1,374 $1,370 $6,135 $7,301 $1,926 $2,120

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

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,944 $7,464
GEICO $2,644 $3,888
Liberty Mutual $5,827 $9,435
Nationwide $3,567 $5,294
Progressive $5,844 $6,497
State Farm $6,367 $8,218
Travelers $5,250 $6,243
USAA $6,135 $7,301

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

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,237 $2,268
GEICO $1,221 $1,203
Liberty Mutual $2,804 $2,804
Nationwide $1,910 $1,910
Progressive $1,349 $1,374
State Farm $1,888 $1,888
Travelers $2,075 $2,215
USAA $1,374 $1,370

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

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

Insurance Company Low Medium High
Allstate $3,304 $3,505 $3,745
GEICO $1,620 $1,710 $1,809
Liberty Mutual $3,961 $4,122 $4,325
Nationwide $2,507 $2,643 $2,840
Progressive $2,686 $2,816 $2,992
State Farm $3,267 $3,470 $3,611
Travelers $2,989 $3,121 $3,349
USAA $2,814 $2,888 $3,006

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

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

Annual Hamlin, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,981 $2,981 $4,352 $3,759
GEICO $1,344 $1,465 $2,699 $1,344
Liberty Mutual $3,320 $3,320 $6,586 $3,320
Nationwide $2,045 $2,045 $4,471 $2,091
Progressive $2,752 $2,752 $3,051 $2,769
State Farm $3,287 $3,287 $3,612 $3,612
Travelers $2,696 $3,366 $3,413 $3,137
USAA $2,574 $2,616 $3,803 $2,616

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,352
GEICO $2,699
Liberty Mutual $6,586
Nationwide $4,471
Progressive $3,051
State Farm $3,612
Travelers $3,413
USAA $3,803

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

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

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

Insurance Company Poor Fair Good
Allstate $5,055 $2,955 $2,545
GEICO $2,146 $1,577 $1,416
Liberty Mutual $5,769 $3,789 $2,850
Nationwide $2,663 $2,663 $2,663
Progressive $4,479 $2,316 $1,699
State Farm $4,870 $3,054 $2,423
Travelers $4,341 $2,739 $2,379
USAA $4,464 $2,251 $1,992

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

Hamlin, 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 Hamlin if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,471 $3,565
GEICO $1,663 $1,764
Liberty Mutual $4,021 $4,251
Nationwide $2,663 $2,663
Progressive $2,831 $2,831
State Farm $3,328 $3,570
Travelers $3,153 $3,153
USAA $2,874 $2,931

Who has the cheapest Hamlin, NY car insurance rates?

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

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

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

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

Insurance Company Average Annual Rates
Allstate $3,518
GEICO $1,713
Liberty Mutual $4,136
Nationwide $2,663
Progressive $2,831
State Farm $3,449
Travelers $3,153
USAA $2,902

What factors affect Hamlin, NY car insurance rates?

Why are Hamlin, New York car insurance rates different than rates in New York 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 Hamlin, NY?

More time spent behind the wheel can lead to higher Hamlin, New York car insurance rates. In Hamlin, NY, the average commute length is 29.7 minutes.

Car Insurance Quotes for Hamlin, NY

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