Compare Commack, NY Car Insurance Rates (2021)

Car insurance in Commack, NY averages $478 a month. Commack, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Commack car insurance rates, compare quotes from the top car insurance companies in Commack, 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

  • Average car insurance rates in Commack, NY are $5,742/year
  • Average car insurance rates in Commack, NY after a DUI are $7,717/year
  • The cheapest car insurance company in Commack is GEICO

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

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

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

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

How do age, gender, and marital status affect Commack, NY car insurance rates? Every Commack, 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 Commack, 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 $3,883 $3,585 $3,681 $3,720 $11,720 $12,518 $3,698 $3,673
GEICO $2,254 $2,170 $2,194 $2,161 $4,873 $7,224 $2,026 $2,081
Liberty Mutual $6,368 $6,368 $5,931 $5,931 $12,483 $18,034 $6,368 $6,758
Nationwide $4,246 $4,246 $3,990 $3,990 $7,951 $11,985 $4,246 $5,511
Progressive $3,676 $3,310 $2,840 $2,912 $12,634 $13,778 $4,652 $4,360
State Farm $3,746 $3,746 $3,288 $3,288 $11,062 $13,586 $4,143 $4,359
Travelers $4,183 $4,106 $3,830 $4,029 $9,975 $11,847 $4,386 $4,474
USAA $2,555 $2,512 $2,329 $2,331 $10,414 $12,337 $3,288 $3,645

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Minimum Car Insurance in Commack, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $8,472 $4,839 $4,119
GEICO $3,914 $2,874 $2,580
Liberty Mutual $11,955 $7,803 $5,832
Nationwide $5,770 $5,770 $5,770
Progressive $9,799 $4,802 $3,459
State Farm $8,333 $5,226 $4,148
Travelers $8,232 $5,027 $4,302
USAA $7,537 $3,851 $3,391

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

Annual Commack, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,876 $4,876 $7,259 $6,228
GEICO $2,413 $2,632 $5,034 $2,413
Liberty Mutual $6,702 $6,702 $14,015 $6,702
Nationwide $4,346 $4,346 $9,941 $4,450
Progressive $5,840 $5,840 $6,517 $5,883
State Farm $5,606 $5,606 $6,198 $6,198
Travelers $4,933 $6,287 $6,375 $5,820
USAA $4,387 $4,459 $6,400 $4,459

Cheapest Commack, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,720 $12,518
GEICO $4,873 $7,224
Liberty Mutual $12,483 $18,034
Nationwide $7,951 $11,985
Progressive $12,634 $13,778
State Farm $11,062 $13,586
Travelers $9,975 $11,847
USAA $10,414 $12,337

Cheapest Commack, NY Car Insurance for Seniors

Take a look at Commack, 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 Commack, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,681 $3,720
GEICO $2,194 $2,161
Liberty Mutual $5,931 $5,931
Nationwide $3,990 $3,990
Progressive $2,840 $2,912
State Farm $3,288 $3,288
Travelers $3,830 $4,029
USAA $2,329 $2,331

Cheapest Commack, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,259
GEICO $5,034
Liberty Mutual $14,015
Nationwide $9,941
Progressive $6,517
State Farm $6,198
Travelers $6,375
USAA $6,400

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Cheapest Commack, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,728 $5,892
GEICO $3,030 $3,215
Liberty Mutual $8,283 $8,777
Nationwide $5,770 $5,770
Progressive $6,020 $6,020
State Farm $5,685 $6,119
Travelers $5,854 $5,854
USAA $4,876 $4,977

Cheapest Commack, NY Car Insurance Rates by ZIP Code

Commack car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Commack, NY.

Annual Car Insurance Rates by ZIP Code in Commack, New York

ZIP Code Average Annual Rates
11725 $5,821
11731 $5,810
11787 $5,740

The Best Cheap Car Insurance Companies in Commack, NY

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

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

Insurance Company Average Annual Rates
Allstate $5,810
GEICO $3,123
Liberty Mutual $8,530
Nationwide $5,770
Progressive $6,020
State Farm $5,902
Travelers $5,854
USAA $4,926

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Category Winners: Cheapest Car Insurance in Commack, New York

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

Best Annual Car Insurance Rates by Company in Commack, 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

Cheapest Commack, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $5,335 $5,779 $6,316
GEICO $2,932 $3,111 $3,326
Liberty Mutual $8,070 $8,505 $9,015
Nationwide $5,355 $5,713 $6,243
Progressive $5,639 $5,973 $6,449
State Farm $5,542 $5,943 $6,222
Travelers $5,483 $5,778 $6,301
USAA $4,742 $4,893 $5,144

What affects car insurance rates in Commack, New York?

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

Commute Time in Commack

The more time you spend in your car the higher the risk of an accident. The average commute length in Commack, NY is 34.8 minutes according to City-Data.

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Compare Car Insurance Quotes in Commack, NY

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

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