Cheap Quotes for South Lima, NY Car Insurance (2021)

South Lima, New York car insurance rates average $253 a month and New York law requires coverage of at least 25/50/10. By comparing rates from multiple South Lima, NY companies, you can find cheap South Lima 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 South Lima, NY after a DUI are $3,971/year
  • Average car insurance rates in South Lima, NY for senior drivers are $1,879/year
  • The cheapest car insurance company in South Lima is GEICO

How do the South Lima, New York monthly average car insurance rates of $253/month compare to nearby cities like New Rochelle car insurance rates, Buffalo car insurance rates, and Mount Vernon car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in South Lima, NY.

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

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

What are the minimum South Lima, NY car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in South Lima, 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 $2,371 $2,241 $2,202 $2,230 $6,529 $6,986 $2,386 $2,408
GEICO $1,267 $1,219 $1,230 $1,212 $2,592 $3,736 $1,145 $1,171
Liberty Mutual $3,013 $3,013 $2,805 $2,805 $5,784 $9,380 $3,013 $3,206
Nationwide $2,197 $2,197 $2,075 $2,075 $3,830 $5,702 $2,197 $2,790
Progressive $1,465 $1,373 $1,178 $1,198 $4,986 $5,556 $1,895 $1,853
State Farm $2,295 $2,295 $1,993 $1,993 $6,595 $8,520 $2,514 $2,654
Travelers $2,234 $2,249 $2,025 $2,169 $5,029 $5,954 $2,365 $2,457
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 South Lima, NY?

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

Annual Car Insurance Rates for Teen Drivers in South Lima, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,529 $6,986
GEICO $2,592 $3,736
Liberty Mutual $5,784 $9,380
Nationwide $3,830 $5,702
Progressive $4,986 $5,556
State Farm $6,595 $8,520
Travelers $5,029 $5,954
USAA $6,303 $7,547

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

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

Annual Car Insurance Rates for Senior Drivers in South Lima, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,202 $2,230
GEICO $1,230 $1,212
Liberty Mutual $2,805 $2,805
Nationwide $2,075 $2,075
Progressive $1,178 $1,198
State Farm $1,993 $1,993
Travelers $2,025 $2,169
USAA $1,437 $1,445

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

Annual Car Insurance Rates by Coverage Level in South Lima, New York

Insurance Company Low Medium High
Allstate $3,236 $3,408 $3,613
GEICO $1,614 $1,692 $1,784
Liberty Mutual $3,976 $4,114 $4,292
Nationwide $2,726 $2,861 $3,062
Progressive $2,316 $2,425 $2,573
State Farm $3,443 $3,626 $3,753
Travelers $2,912 $3,032 $3,237
USAA $2,952 $3,015 $3,115

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

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

Annual South Lima, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,940 $2,940 $4,163 $3,633
GEICO $1,351 $1,471 $2,614 $1,351
Liberty Mutual $3,338 $3,338 $6,496 $3,338
Nationwide $2,204 $2,204 $4,869 $2,254
Progressive $2,372 $2,372 $2,623 $2,386
State Farm $3,443 $3,443 $3,772 $3,772
Travelers $2,634 $3,259 $3,303 $3,046
USAA $2,697 $2,740 $3,931 $2,740

How does a DUI affect South Lima, NY car insurance rates?

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

Annual Car Insurance Rates After a DUI in South Lima, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,163
GEICO $2,614
Liberty Mutual $6,496
Nationwide $4,869
Progressive $2,623
State Farm $3,772
Travelers $3,303
USAA $3,931

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

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

Annual Car Insurance Rates by Credit Score in South Lima, New York

Insurance Company Poor Fair Good
Allstate $4,875 $2,879 $2,504
GEICO $2,125 $1,563 $1,402
Liberty Mutual $5,758 $3,782 $2,844
Nationwide $2,883 $2,883 $2,883
Progressive $3,838 $2,003 $1,474
State Farm $5,094 $3,194 $2,534
Travelers $4,202 $2,660 $2,319
USAA $4,707 $2,323 $2,051

How does your commute affect South Lima, NY car insurance rates?

South Lima, 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 South Lima if you’re financing.

Annual Car Insurance Rates by Commute Length in South Lima, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,373 $3,465
GEICO $1,648 $1,746
Liberty Mutual $4,012 $4,243
Nationwide $2,883 $2,883
Progressive $2,438 $2,438
State Farm $3,480 $3,735
Travelers $3,060 $3,060
USAA $2,997 $3,057

Who has the cheapest South Lima, NY car insurance rates?

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

Best Annual Car Insurance Rates by Company in South Lima, New York

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

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What are the top South Lima, NY car insurance companies?

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

Average Annual Car Insurance Rates by Company in South Lima, New York

Insurance Company Average Annual Rates
Allstate $3,419
GEICO $1,697
Liberty Mutual $4,128
Nationwide $2,883
Progressive $2,438
State Farm $3,607
Travelers $3,060
USAA $3,027

What factors affect South Lima, NY car insurance rates?

Why are South Lima, New York car insurance rates different than rates in New Rochelle 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 South Lima, NY?

More time spent behind the wheel can lead to higher South Lima, New York car insurance rates. In South Lima, NY, the average commute length is 27.7 minutes.

Car Insurance Quotes for South Lima, NY

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

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