Cheap Quotes for Wolcott, NY Car Insurance (2021)

Wolcott, New York car insurance rates average $249 a month and New York law requires coverage of at least 25/50/10. By comparing rates from multiple Wolcott, NY companies, you can find cheap Wolcott 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

  • Wolcott has an average commute time of 22.1 minutes
  • Average car insurance rates in Wolcott, NY for senior drivers are $1,857/year
  • Average car insurance rates in Wolcott, NY are $249/month

How do the Wolcott, New York monthly average car insurance rates of $249/month compare to nearby cities like Rochester car insurance rates, New Rochelle 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 Wolcott, NY.

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

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

What are the minimum Wolcott, NY car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Wolcott, 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 $2,270 $2,143 $2,120 $2,150 $6,381 $6,836 $2,266 $2,287
GEICO $1,208 $1,163 $1,174 $1,157 $2,481 $3,587 $1,091 $1,118
Liberty Mutual $3,126 $3,126 $2,913 $2,913 $6,046 $9,796 $3,126 $3,320
Nationwide $1,988 $1,988 $1,880 $1,880 $3,472 $5,150 $1,988 $2,519
Progressive $1,511 $1,422 $1,222 $1,239 $5,040 $5,619 $1,948 $1,904
State Farm $2,394 $2,394 $2,084 $2,084 $6,934 $8,925 $2,628 $2,763
Travelers $2,307 $2,339 $2,094 $2,254 $5,203 $6,192 $2,447 $2,554
USAA $1,407 $1,383 $1,273 $1,277 $5,556 $6,624 $1,796 $1,982

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

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,381 $6,836
GEICO $2,481 $3,587
Liberty Mutual $6,046 $9,796
Nationwide $3,472 $5,150
Progressive $5,040 $5,619
State Farm $6,934 $8,925
Travelers $5,203 $6,192
USAA $5,556 $6,624

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

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,120 $2,150
GEICO $1,174 $1,157
Liberty Mutual $2,913 $2,913
Nationwide $1,880 $1,880
Progressive $1,222 $1,239
State Farm $2,084 $2,084
Travelers $2,094 $2,254
USAA $1,273 $1,277

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

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

Insurance Company Low Medium High
Allstate $3,123 $3,296 $3,501
GEICO $1,538 $1,617 $1,713
Liberty Mutual $4,105 $4,280 $4,502
Nationwide $2,466 $2,588 $2,770
Progressive $2,366 $2,475 $2,623
State Farm $3,599 $3,796 $3,932
Travelers $3,004 $3,140 $3,377
USAA $2,588 $2,650 $2,748

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

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

Annual Wolcott, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,828 $2,828 $4,050 $3,521
GEICO $1,290 $1,404 $2,506 $1,290
Liberty Mutual $3,448 $3,448 $6,837 $3,448
Nationwide $2,004 $2,004 $4,377 $2,048
Progressive $2,422 $2,422 $2,673 $2,436
State Farm $3,600 $3,600 $3,952 $3,952
Travelers $2,738 $3,376 $3,422 $3,158
USAA $2,368 $2,406 $3,469 $2,406

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,050
GEICO $2,506
Liberty Mutual $6,837
Nationwide $4,377
Progressive $2,673
State Farm $3,952
Travelers $3,422
USAA $3,469

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

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

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

Insurance Company Poor Fair Good
Allstate $4,724 $2,782 $2,414
GEICO $2,032 $1,494 $1,341
Liberty Mutual $5,994 $3,935 $2,957
Nationwide $2,608 $2,608 $2,608
Progressive $3,920 $2,043 $1,501
State Farm $5,332 $3,342 $2,652
Travelers $4,365 $2,757 $2,400
USAA $4,102 $2,062 $1,823

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

Wolcott, 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 Wolcott if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,263 $3,351
GEICO $1,575 $1,669
Liberty Mutual $4,176 $4,415
Nationwide $2,608 $2,608
Progressive $2,488 $2,488
State Farm $3,640 $3,911
Travelers $3,174 $3,174
USAA $2,636 $2,689

Who has the cheapest Wolcott, NY car insurance rates?

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

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

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

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

Insurance Company Average Annual Rates
Allstate $3,307
GEICO $1,622
Liberty Mutual $4,295
Nationwide $2,608
Progressive $2,488
State Farm $3,776
Travelers $3,174
USAA $2,662

What factors affect Wolcott, NY car insurance rates?

Why are Wolcott, New York car insurance rates different than rates in Rochester or New Rochelle? 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 Wolcott, NY?

More time spent behind the wheel can lead to higher Wolcott, New York car insurance rates. In Wolcott, NY, the average commute length is 22.1 minutes.

Car Insurance Quotes for Wolcott, NY

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