Compare Bernhards Bay, NY Car Insurance Rates (2021)

Car insurance in Bernhards Bay, NY averages $261 a month. Bernhards Bay, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Bernhards Bay car insurance rates, compare quotes from the top car insurance companies in Bernhards Bay, 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 Bernhards Bay is GEICO
  • Average car insurance rates in Bernhards Bay, NY are $3,126/year
  • Average car insurance rates in Bernhards Bay, NY after a DUI are $4,131/year

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

You’ll find Bernhards Bay car insurance rates, the cheapest Bernhards Bay, NY car insurance companies, and information on New York car insurance laws. You can also compare Bernhards Bay, New York car insurance rates to Yonkers car insurance rates, Utica car insurance rates, and Schenectady car insurance rates.

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

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

How do age, gender, and marital status affect Bernhards Bay, NY car insurance rates? Every Bernhards Bay, 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 Bernhards Bay, 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 $2,267 $2,223 $2,260 $6,737 $7,224 $2,416 $2,455
GEICO $1,304 $1,256 $1,268 $1,250 $2,710 $3,943 $1,177 $1,209
Liberty Mutual $3,372 $3,372 $3,142 $3,142 $6,550 $10,619 $3,372 $3,582
Nationwide $2,172 $2,172 $2,051 $2,051 $3,851 $5,729 $2,172 $2,765
Progressive $1,604 $1,500 $1,285 $1,307 $5,471 $6,094 $2,076 $2,028
State Farm $2,113 $2,113 $1,836 $1,836 $6,109 $7,899 $2,316 $2,454
Travelers $2,400 $2,421 $2,204 $2,363 $5,662 $6,745 $2,555 $2,663
USAA $1,491 $1,463 $1,346 $1,345 $6,012 $7,189 $1,899 $2,090

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Minimum Car Insurance in Bernhards Bay, NY

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

Minimum Required Car Insurance Coverage in Bernhards Bay, 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 Bernhards Bay, NY Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Bernhards Bay, New York

Insurance Company Poor Fair Good
Allstate $4,978 $2,946 $2,566
GEICO $2,211 $1,625 $1,458
Liberty Mutual $6,486 $4,253 $3,193
Nationwide $2,870 $2,870 $2,870
Progressive $4,216 $2,189 $1,607
State Farm $4,708 $2,952 $2,343
Travelers $4,619 $2,944 $2,567
USAA $4,423 $2,195 $1,945

Cheapest Bernhards Bay, 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 Bernhards Bay, NY to rates for a clean record with top companies.

Annual Bernhards Bay, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,988 $2,988 $4,286 $3,724
GEICO $1,395 $1,520 $2,749 $1,395
Liberty Mutual $3,723 $3,723 $7,405 $3,723
Nationwide $2,197 $2,197 $4,839 $2,247
Progressive $2,598 $2,598 $2,875 $2,613
State Farm $3,182 $3,182 $3,487 $3,487
Travelers $2,880 $3,607 $3,660 $3,360
USAA $2,530 $2,572 $3,744 $2,572

Cheapest Bernhards Bay, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Bernhards Bay, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,737 $7,224
GEICO $2,710 $3,943
Liberty Mutual $6,550 $10,619
Nationwide $3,851 $5,729
Progressive $5,471 $6,094
State Farm $6,109 $7,899
Travelers $5,662 $6,745
USAA $6,012 $7,189

Cheapest Bernhards Bay, NY Car Insurance for Seniors

Take a look at Bernhards Bay, 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 Bernhards Bay, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,223 $2,260
GEICO $1,268 $1,250
Liberty Mutual $3,142 $3,142
Nationwide $2,051 $2,051
Progressive $1,285 $1,307
State Farm $1,836 $1,836
Travelers $2,204 $2,363
USAA $1,346 $1,345

Cheapest Bernhards Bay, NY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Bernhards Bay, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,286
GEICO $2,749
Liberty Mutual $7,405
Nationwide $4,839
Progressive $2,875
State Farm $3,487
Travelers $3,660
USAA $3,744

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Cheapest Bernhards Bay, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Bernhards Bay, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,450 $3,543
GEICO $1,713 $1,816
Liberty Mutual $4,514 $4,774
Nationwide $2,870 $2,870
Progressive $2,671 $2,671
State Farm $3,218 $3,451
Travelers $3,377 $3,377
USAA $2,826 $2,883

The Best Cheap Car Insurance Companies in Bernhards Bay, NY

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

Average Annual Car Insurance Rates by Company in Bernhards Bay, New York

Insurance Company Average Annual Rates
Allstate $3,497
GEICO $1,765
Liberty Mutual $4,644
Nationwide $2,870
Progressive $2,671
State Farm $3,334
Travelers $3,377
USAA $2,854

Category Winners: Cheapest Car Insurance in Bernhards Bay, New York

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

Best Annual Car Insurance Rates by Company in Bernhards Bay, 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 Bernhards Bay, NY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Bernhards Bay, New York

Insurance Company Low Medium High
Allstate $3,329 $3,487 $3,674
GEICO $1,673 $1,759 $1,863
Liberty Mutual $4,456 $4,628 $4,848
Nationwide $2,716 $2,850 $3,045
Progressive $2,539 $2,657 $2,816
State Farm $3,184 $3,351 $3,469
Travelers $3,222 $3,351 $3,557
USAA $2,786 $2,844 $2,933

Compare Car Insurance Quotes in Bernhards Bay, NY

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

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