Cheap Quotes for Philmont, NY Car Insurance (2021)

Philmont, New York car insurance rates average $308 a month and New York law requires coverage of at least 25/50/10. By comparing rates from multiple Philmont, NY companies, you can find cheap Philmont 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

  • Average car insurance rates in Philmont, NY are $308/month
  • Philmont has an average commute time of 20.4 minutes
  • The cheapest car insurance company in Philmont is GEICO

How do the Philmont, New York monthly average car insurance rates of $308/month compare to nearby cities like Mount Vernon car insurance rates, Schenectady car insurance rates, and Utica car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Philmont, NY.

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

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

What are the minimum Philmont, NY car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Philmont, 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 $2,608 $2,428 $2,439 $2,460 $7,467 $7,992 $2,545 $2,549
GEICO $1,520 $1,464 $1,477 $1,456 $3,173 $4,623 $1,372 $1,408
Liberty Mutual $4,644 $4,644 $4,322 $4,322 $9,063 $14,728 $4,644 $4,936
Nationwide $2,433 $2,433 $2,295 $2,295 $4,336 $6,474 $2,433 $3,109
Progressive $1,930 $1,811 $1,552 $1,575 $6,439 $7,169 $2,487 $2,425
State Farm $2,295 $2,295 $1,996 $1,996 $6,657 $8,607 $2,516 $2,662
Travelers $2,814 $2,834 $2,542 $2,726 $6,354 $7,501 $2,978 $3,098
USAA $1,783 $1,754 $1,610 $1,615 $7,161 $8,549 $2,285 $2,526

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

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,467 $7,992
GEICO $3,173 $4,623
Liberty Mutual $9,063 $14,728
Nationwide $4,336 $6,474
Progressive $6,439 $7,169
State Farm $6,657 $8,607
Travelers $6,354 $7,501
USAA $7,161 $8,549

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

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,439 $2,460
GEICO $1,477 $1,456
Liberty Mutual $4,322 $4,322
Nationwide $2,295 $2,295
Progressive $1,552 $1,575
State Farm $1,996 $1,996
Travelers $2,542 $2,726
USAA $1,610 $1,615

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

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

Insurance Company Low Medium High
Allstate $3,643 $3,801 $3,988
GEICO $1,950 $2,053 $2,182
Liberty Mutual $6,132 $6,393 $6,714
Nationwide $3,031 $3,200 $3,448
Progressive $3,018 $3,156 $3,346
State Farm $3,447 $3,649 $3,789
Travelers $3,669 $3,819 $4,080
USAA $3,312 $3,393 $3,526

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

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

Annual Philmont, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,241 $3,241 $4,695 $4,066
GEICO $1,626 $1,771 $3,225 $1,626
Liberty Mutual $5,126 $5,126 $10,273 $5,126
Nationwide $2,459 $2,459 $5,473 $2,515
Progressive $3,088 $3,088 $3,412 $3,106
State Farm $3,461 $3,461 $3,795 $3,795
Travelers $3,315 $4,109 $4,166 $3,835
USAA $3,036 $3,085 $4,436 $3,085

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,695
GEICO $3,225
Liberty Mutual $10,273
Nationwide $5,473
Progressive $3,412
State Farm $3,795
Travelers $4,166
USAA $4,436

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

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

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

Insurance Company Poor Fair Good
Allstate $5,466 $3,202 $2,765
GEICO $2,583 $1,898 $1,703
Liberty Mutual $8,980 $5,868 $4,390
Nationwide $3,226 $3,226 $3,226
Progressive $5,036 $2,591 $1,893
State Farm $5,123 $3,212 $2,549
Travelers $5,322 $3,343 $2,903
USAA $5,284 $2,627 $2,319

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

Philmont, 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 Philmont if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,759 $3,862
GEICO $2,001 $2,122
Liberty Mutual $6,232 $6,593
Nationwide $3,226 $3,226
Progressive $3,173 $3,173
State Farm $3,500 $3,756
Travelers $3,856 $3,856
USAA $3,376 $3,445

Who has the cheapest Philmont, NY car insurance rates?

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

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

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

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

Insurance Company Average Annual Rates
Allstate $3,811
GEICO $2,062
Liberty Mutual $6,413
Nationwide $3,226
Progressive $3,173
State Farm $3,628
Travelers $3,856
USAA $3,410

What factors affect Philmont, NY car insurance rates?

Why are Philmont, New York car insurance rates different than rates in Mount Vernon 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 Philmont, NY?

More time spent behind the wheel can lead to higher Philmont, New York car insurance rates. In Philmont, NY, the average commute length is 20.4 minutes.

Car Insurance Quotes for Philmont, NY

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