Compare Andover, NY Car Insurance Rates (2021)

Car insurance in Andover, NY averages $250 a month. Andover, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Andover car insurance rates, compare quotes from the top car insurance companies in Andover, NY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Andover is GEICO
  • Average car insurance rates in Andover, NY after a DUI are $3,910/year
  • Average car insurance rates in Andover, NY are $3,005/year

If you need to buy Andover, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Andover, NY is right here.

You’ll find Andover car insurance rates, the cheapest Andover, NY car insurance companies, and information on New York car insurance laws. You can also compare Andover, New York car insurance rates to Yonkers car insurance rates, Syracuse car insurance rates, and Mount Vernon car insurance rates.

Ready to find affordable Andover, NY car insurance today? Enter your ZIP code for fast, free Andover car insurance quotes.

Cheapest Andover, NY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Andover, NY car insurance rates? Every Andover, New York car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Andover, 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 $1,370 $1,318 $1,328 $1,309 $2,758 $3,936 $1,243 $1,269
Liberty Mutual $3,013 $3,013 $2,805 $2,805 $5,784 $9,380 $3,013 $3,206
Nationwide $1,949 $1,949 $1,843 $1,843 $3,332 $4,941 $1,949 $2,460
Progressive $1,638 $1,565 $1,342 $1,354 $5,139 $5,748 $2,099 $2,064
State Farm $2,197 $2,197 $1,906 $1,906 $6,286 $8,132 $2,404 $2,540
Travelers $2,229 $2,266 $2,016 $2,175 $4,981 $5,881 $2,369 $2,480
USAA $1,598 $1,573 $1,437 $1,445 $6,303 $7,547 $2,047 $2,264

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Minimum Car Insurance in Andover, NY

Every driver must carry the minimum car insurance in Andover, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in Andover, 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

Cheapest Andover, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Andover, NY. Compare credit history car insurance rates in Andover from top companies for good, fair, and poor credit.

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

Insurance Company Poor Fair Good
Allstate $4,876 $2,883 $2,509
GEICO $2,275 $1,674 $1,501
Liberty Mutual $5,758 $3,782 $2,844
Nationwide $2,533 $2,533 $2,533
Progressive $4,144 $2,145 $1,568
State Farm $4,866 $3,051 $2,421
Travelers $4,171 $2,657 $2,321
USAA $4,707 $2,323 $2,051

Cheapest Andover, NY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Andover, NY to rates for a clean record with top companies.

Annual Andover, 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 $1,461 $1,590 $2,754 $1,461
Liberty Mutual $3,338 $3,338 $6,496 $3,338
Nationwide $1,946 $1,946 $4,251 $1,990
Progressive $2,553 $2,553 $2,804 $2,566
State Farm $3,290 $3,290 $3,602 $3,602
Travelers $2,637 $3,242 $3,287 $3,033
USAA $2,697 $2,740 $3,931 $2,740

Cheapest Andover, NY Car Insurance for Teen Drivers

Teen car insurance in Andover, NY can be expensive. Take a look at rates from the top car insurance companies in Andover for teenagers.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,516 $6,961
GEICO $2,758 $3,936
Liberty Mutual $5,784 $9,380
Nationwide $3,332 $4,941
Progressive $5,139 $5,748
State Farm $6,286 $8,132
Travelers $4,981 $5,881
USAA $6,303 $7,547

Cheapest Andover, NY Car Insurance for Seniors

Take a look at Andover, NY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,214 $2,237
GEICO $1,328 $1,309
Liberty Mutual $2,805 $2,805
Nationwide $1,843 $1,843
Progressive $1,342 $1,354
State Farm $1,906 $1,906
Travelers $2,016 $2,175
USAA $1,437 $1,445

Cheapest Andover, NY Car Insurance Rates After a DUI

A DUI in Andover, NY increases car insurance rates. Compare Andover, New York DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,158
GEICO $2,754
Liberty Mutual $6,496
Nationwide $4,251
Progressive $2,804
State Farm $3,602
Travelers $3,287
USAA $3,931

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Cheapest Andover, NY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Andover, NY by commute? Take a look at a comparison of the top companies by commute length.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,377 $3,468
GEICO $1,764 $1,869
Liberty Mutual $4,012 $4,243
Nationwide $2,533 $2,533
Progressive $2,619 $2,619
State Farm $3,324 $3,568
Travelers $3,050 $3,050
USAA $2,997 $3,057

The Best Cheap Car Insurance Companies in Andover, NY

Take a look at a side-by-side comparison of the top car insurance companies in Andover, NY to find the best option for your needs.

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

Insurance Company Average Annual Rates
Allstate $3,423
GEICO $1,816
Liberty Mutual $4,128
Nationwide $2,533
Progressive $2,619
State Farm $3,446
Travelers $3,050
USAA $3,027

Category Winners: Cheapest Car Insurance in Andover, New York

Find the cheapest car insurance companies in Andover, NY for each category right here.

Best Annual Car Insurance Rates by Company in Andover, 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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Cheapest Andover, NY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Andover car insurance rates. Find the cheapest Andover, NY car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $3,265 $3,413 $3,589
GEICO $1,730 $1,809 $1,910
Liberty Mutual $3,976 $4,114 $4,292
Nationwide $2,402 $2,514 $2,685
Progressive $2,510 $2,607 $2,739
State Farm $3,287 $3,464 $3,587
Travelers $2,915 $3,024 $3,210
USAA $2,952 $3,015 $3,115

What affects car insurance rates in Andover, New York?

What factors can have an impact on Andover, NY car insurance? There are several reasons why Andover car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Andover, New York.

Commute Time in Andover

The more time you spend in your car the higher the risk of an accident. The average commute length in Andover, NY is 19.1 minutes according to City-Data.

Traffic in Andover

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Andover, NY traffic data from INRIX ranks Andover as the 700th-most congested in the world.

Compare Car Insurance Quotes in Andover, NY

Ready to find affordable Andover, New York car insurance today? Enter your ZIP code for fast, free Andover, NY car insurance quotes.

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