Compare Champlain, NY Car Insurance Rates (2021)

Car insurance in Champlain, NY averages $249 a month. Champlain, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Champlain car insurance rates, compare quotes from the top car insurance companies in Champlain, NY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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

  • Average car insurance rates in Champlain, NY are $2,984/year
  • Average car insurance rates in Champlain, NY after a DUI are $3,965/year
  • The cheapest car insurance company in Champlain for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Champlain, NY car insurance rates? Every Champlain, 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 Champlain, 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 $2,271 $2,151 $2,127 $2,166 $6,563 $7,048 $2,275 $2,312
GEICO $1,297 $1,251 $1,263 $1,245 $2,710 $3,956 $1,170 $1,204
Liberty Mutual $3,372 $3,372 $3,142 $3,142 $6,550 $10,619 $3,372 $3,582
Nationwide $2,059 $2,059 $1,946 $1,946 $3,598 $5,344 $2,059 $2,612
Progressive $1,386 $1,307 $1,123 $1,138 $4,662 $5,210 $1,794 $1,761
State Farm $1,906 $1,906 $1,662 $1,662 $5,617 $7,247 $2,095 $2,221
Travelers $2,347 $2,356 $2,128 $2,274 $5,288 $6,216 $2,482 $2,577
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 Champlain, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,800 $2,833 $2,459
GEICO $2,207 $1,623 $1,456
Liberty Mutual $6,486 $4,253 $3,193
Nationwide $2,703 $2,703 $2,703
Progressive $3,605 $1,893 $1,396
State Farm $4,291 $2,691 $2,136
Travelers $4,411 $2,787 $2,426
USAA $4,423 $2,195 $1,945

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

Annual Champlain, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,856 $2,856 $4,153 $3,592
GEICO $1,390 $1,515 $2,754 $1,390
Liberty Mutual $3,723 $3,723 $7,405 $3,723
Nationwide $2,073 $2,073 $4,546 $2,120
Progressive $2,237 $2,237 $2,468 $2,249
State Farm $2,896 $2,896 $3,183 $3,183
Travelers $2,756 $3,420 $3,468 $3,190
USAA $2,530 $2,572 $3,744 $2,572

Cheapest Champlain, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,563 $7,048
GEICO $2,710 $3,956
Liberty Mutual $6,550 $10,619
Nationwide $3,598 $5,344
Progressive $4,662 $5,210
State Farm $5,617 $7,247
Travelers $5,288 $6,216
USAA $6,012 $7,189

Cheapest Champlain, NY Car Insurance for Seniors

Take a look at Champlain, 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 Champlain, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,127 $2,166
GEICO $1,263 $1,245
Liberty Mutual $3,142 $3,142
Nationwide $1,946 $1,946
Progressive $1,123 $1,138
State Farm $1,662 $1,662
Travelers $2,128 $2,274
USAA $1,346 $1,345

Cheapest Champlain, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,153
GEICO $2,754
Liberty Mutual $7,405
Nationwide $4,546
Progressive $2,468
State Farm $3,183
Travelers $3,468
USAA $3,744

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Cheapest Champlain, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,319 $3,409
GEICO $1,710 $1,814
Liberty Mutual $4,514 $4,774
Nationwide $2,703 $2,703
Progressive $2,298 $2,298
State Farm $2,934 $3,145
Travelers $3,208 $3,208
USAA $2,826 $2,883

The Best Cheap Car Insurance Companies in Champlain, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,364
GEICO $1,762
Liberty Mutual $4,644
Nationwide $2,703
Progressive $2,298
State Farm $3,039
Travelers $3,208
USAA $2,854

Category Winners: Cheapest Car Insurance in Champlain, New York

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

Best Annual Car Insurance Rates by Company in Champlain, New York

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

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Cheapest Champlain, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,197 $3,354 $3,542
GEICO $1,677 $1,757 $1,852
Liberty Mutual $4,456 $4,628 $4,848
Nationwide $2,573 $2,685 $2,851
Progressive $2,191 $2,288 $2,414
State Farm $2,886 $3,056 $3,176
Travelers $3,066 $3,181 $3,378
USAA $2,786 $2,844 $2,933

What affects car insurance rates in Champlain, New York?

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

Commute Time in Champlain

The more time you spend in your car the higher the risk of an accident. The average commute length in Champlain, NY is 18.9 minutes according to City-Data.

Compare Car Insurance Quotes in Champlain, NY

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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