Compare Grand Island, NY Car Insurance Rates (2021)

Car insurance in Grand Island, NY averages $301 a month. Grand Island, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Grand Island car insurance rates, compare quotes from the top car insurance companies in Grand Island, 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 Grand Island, NY are $3,615/year
  • Average car insurance rates in Grand Island, NY after a DUI are $4,811/year
  • The cheapest car insurance company in Grand Island for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Grand Island, NY car insurance rates? Every Grand Island, 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 Grand Island, 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 $1,392 $1,340 $1,355 $1,335 $2,964 $4,364 $1,252 $1,285
Liberty Mutual $4,016 $4,016 $3,739 $3,739 $7,814 $12,685 $4,016 $4,267
Nationwide $2,624 $2,624 $2,473 $2,473 $4,806 $7,187 $2,624 $3,372
Progressive $1,650 $1,543 $1,328 $1,346 $5,867 $6,561 $2,157 $2,113
State Farm $2,612 $2,612 $2,292 $2,292 $7,861 $10,095 $2,883 $3,031
Travelers $2,679 $2,678 $2,480 $2,636 $6,457 $7,792 $2,830 $2,921
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 Grand Island, NY

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

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

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

Annual Car Insurance Rates by Credit Score in Grand Island, New York

Insurance Company Poor Fair Good
Allstate $5,860 $3,395 $2,913
GEICO $2,394 $1,759 $1,579
Liberty Mutual $7,745 $5,067 $3,797
Nationwide $3,523 $3,523 $3,523
Progressive $4,411 $2,330 $1,721
State Farm $5,942 $3,728 $2,959
Travelers $5,309 $3,288 $2,831
USAA $4,681 $2,375 $2,101

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

Annual Grand Island, 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 $1,488 $1,622 $3,045 $1,488
Liberty Mutual $4,429 $4,429 $8,860 $4,429
Nationwide $2,680 $2,680 $5,989 $2,742
Progressive $2,743 $2,743 $3,037 $2,760
State Farm $4,002 $4,002 $4,417 $4,417
Travelers $3,230 $4,080 $4,136 $3,790
USAA $2,708 $2,753 $3,995 $2,753

Cheapest Grand Island, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Grand Island, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,007 $8,565
GEICO $2,964 $4,364
Liberty Mutual $7,814 $12,685
Nationwide $4,806 $7,187
Progressive $5,867 $6,561
State Farm $7,861 $10,095
Travelers $6,457 $7,792
USAA $6,444 $7,661

Cheapest Grand Island, NY Car Insurance for Seniors

Take a look at Grand Island, 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 Grand Island, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,596 $2,622
GEICO $1,355 $1,335
Liberty Mutual $3,739 $3,739
Nationwide $2,473 $2,473
Progressive $1,328 $1,346
State Farm $2,292 $2,292
Travelers $2,480 $2,636
USAA $1,447 $1,444

Cheapest Grand Island, NY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Grand Island, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,012
GEICO $3,045
Liberty Mutual $8,860
Nationwide $5,989
Progressive $3,037
State Farm $4,417
Travelers $4,136
USAA $3,995

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Cheapest Grand Island, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Grand Island, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,001 $4,112
GEICO $1,855 $1,967
Liberty Mutual $5,382 $5,692
Nationwide $3,523 $3,523
Progressive $2,821 $2,821
State Farm $4,058 $4,361
Travelers $3,809 $3,809
USAA $3,022 $3,083

The Best Cheap Car Insurance Companies in Grand Island, NY

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

Average Annual Car Insurance Rates by Company in Grand Island, New York

Insurance Company Average Annual Rates
Allstate $4,056
GEICO $1,911
Liberty Mutual $5,537
Nationwide $3,523
Progressive $2,821
State Farm $4,210
Travelers $3,809
USAA $3,052

Category Winners: Cheapest Car Insurance in Grand Island, New York

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

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

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

Annual Car Insurance Rates by Coverage Level in Grand Island, New York

Insurance Company Low Medium High
Allstate $3,786 $4,040 $4,342
GEICO $1,794 $1,905 $2,033
Liberty Mutual $5,271 $5,518 $5,821
Nationwide $3,268 $3,488 $3,812
Progressive $2,680 $2,809 $2,973
State Farm $3,925 $4,242 $4,462
Travelers $3,541 $3,754 $4,132
USAA $2,962 $3,038 $3,157

Compare Car Insurance Quotes in Grand Island, NY

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

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