Compare Elma, NY Car Insurance Rates (2021)

Car insurance in Elma, NY averages $295 a month. Elma, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Elma car insurance rates, compare quotes from the top car insurance companies in Elma, 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

  • The cheapest car insurance company in Elma for teen drivers is GEICO
  • The cheapest car insurance company in Elma is GEICO
  • Average car insurance rates in Elma, NY are $3,541/year

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

You’ll find Elma car insurance rates, the cheapest Elma, NY car insurance companies, and information on New York car insurance laws. You can also compare Elma, New York car insurance rates to Albany car insurance rates, Syracuse car insurance rates, and Rochester car insurance rates.

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

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

How do age, gender, and marital status affect Elma, NY car insurance rates? Every Elma, 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 Elma, 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 $2,758 $2,567 $2,596 $2,622 $8,007 $8,565 $2,672 $2,663
GEICO $1,389 $1,339 $1,353 $1,333 $2,946 $4,329 $1,250 $1,284
Liberty Mutual $4,016 $4,016 $3,739 $3,739 $7,814 $12,685 $4,016 $4,267
Nationwide $2,278 $2,278 $2,150 $2,150 $4,103 $6,112 $2,278 $2,910
Progressive $1,785 $1,649 $1,423 $1,448 $6,291 $6,976 $2,305 $2,224
State Farm $2,488 $2,488 $2,179 $2,179 $7,394 $9,491 $2,742 $2,880
Travelers $2,652 $2,660 $2,448 $2,609 $6,335 $7,634 $2,805 $2,903
USAA $1,591 $1,561 $1,447 $1,444 $6,444 $7,661 $2,031 $2,239

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Minimum Car Insurance in Elma, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,860 $3,395 $2,913
GEICO $2,384 $1,752 $1,572
Liberty Mutual $7,745 $5,067 $3,797
Nationwide $3,032 $3,032 $3,032
Progressive $4,761 $2,466 $1,811
State Farm $5,617 $3,525 $2,799
Travelers $5,221 $3,245 $2,801
USAA $4,681 $2,375 $2,101

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

Annual Elma, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,441 $3,441 $5,012 $4,332
GEICO $1,486 $1,620 $3,019 $1,486
Liberty Mutual $4,429 $4,429 $8,860 $4,429
Nationwide $2,318 $2,318 $5,122 $2,371
Progressive $2,928 $2,928 $3,247 $2,947
State Farm $3,787 $3,787 $4,174 $4,174
Travelers $3,194 $4,018 $4,074 $3,737
USAA $2,708 $2,753 $3,995 $2,753

Cheapest Elma, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,007 $8,565
GEICO $2,946 $4,329
Liberty Mutual $7,814 $12,685
Nationwide $4,103 $6,112
Progressive $6,291 $6,976
State Farm $7,394 $9,491
Travelers $6,335 $7,634
USAA $6,444 $7,661

Cheapest Elma, NY Car Insurance for Seniors

Take a look at Elma, 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 Elma, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,596 $2,622
GEICO $1,353 $1,333
Liberty Mutual $3,739 $3,739
Nationwide $2,150 $2,150
Progressive $1,423 $1,448
State Farm $2,179 $2,179
Travelers $2,448 $2,609
USAA $1,447 $1,444

Cheapest Elma, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,012
GEICO $3,019
Liberty Mutual $8,860
Nationwide $5,122
Progressive $3,247
State Farm $4,174
Travelers $4,074
USAA $3,995

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Cheapest Elma, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,001 $4,112
GEICO $1,847 $1,959
Liberty Mutual $5,382 $5,692
Nationwide $3,032 $3,032
Progressive $3,012 $3,012
State Farm $3,837 $4,123
Travelers $3,756 $3,756
USAA $3,022 $3,083

The Best Cheap Car Insurance Companies in Elma, NY

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

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

Insurance Company Average Annual Rates
Allstate $4,056
GEICO $1,903
Liberty Mutual $5,537
Nationwide $3,032
Progressive $3,012
State Farm $3,980
Travelers $3,756
USAA $3,052

Category Winners: Cheapest Car Insurance in Elma, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $3,786 $4,040 $4,342
GEICO $1,786 $1,897 $2,025
Liberty Mutual $5,271 $5,518 $5,821
Nationwide $2,821 $3,003 $3,273
Progressive $2,836 $2,994 $3,207
State Farm $3,737 $4,007 $4,196
Travelers $3,503 $3,704 $4,060
USAA $2,962 $3,038 $3,157

What affects car insurance rates in Elma, New York?

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

Commute Time in Elma

The more time you spend in your car the higher the risk of an accident. The average commute length in Elma, NY is 22.8 minutes according to City-Data.

Compare Car Insurance Quotes in Elma, NY

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

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