Compare Groton, NY Car Insurance Rates (2021)

Car insurance in Groton, NY averages $259 a month. Groton, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Groton car insurance rates, compare quotes from the top car insurance companies in Groton, 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 Groton is GEICO
  • The cheapest car insurance company in Groton for teen drivers is GEICO
  • Average car insurance rates in Groton, NY are $3,103/year

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

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

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

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

How do age, gender, and marital status affect Groton, NY car insurance rates? Every Groton, 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 Groton, 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 $2,372 $2,243 $2,217 $2,254 $6,782 $7,270 $2,376 $2,410
GEICO $1,426 $1,374 $1,387 $1,367 $2,967 $4,318 $1,288 $1,324
Liberty Mutual $3,324 $3,324 $3,095 $3,095 $6,426 $10,422 $3,324 $3,533
Nationwide $1,983 $1,983 $1,874 $1,874 $3,454 $5,122 $1,983 $2,511
Progressive $1,557 $1,471 $1,266 $1,280 $5,098 $5,687 $2,001 $1,955
State Farm $2,124 $2,124 $1,850 $1,850 $6,238 $8,069 $2,332 $2,477
Travelers $2,474 $2,517 $2,239 $2,418 $5,572 $6,612 $2,630 $2,756
USAA $1,529 $1,503 $1,379 $1,382 $6,103 $7,296 $1,953 $2,154

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Minimum Car Insurance in Groton, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,987 $2,937 $2,548
GEICO $2,420 $1,779 $1,596
Liberty Mutual $6,379 $4,183 $3,142
Nationwide $2,598 $2,598 $2,598
Progressive $4,006 $2,082 $1,529
State Farm $4,777 $2,995 $2,377
Travelers $4,665 $2,960 $2,581
USAA $4,512 $2,242 $1,983

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

Annual Groton, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,971 $2,971 $4,297 $3,723
GEICO $1,527 $1,664 $3,007 $1,527
Liberty Mutual $3,674 $3,674 $7,251 $3,674
Nationwide $1,996 $1,996 $4,360 $2,041
Progressive $2,473 $2,473 $2,724 $2,487
State Farm $3,225 $3,225 $3,541 $3,541
Travelers $2,939 $3,617 $3,668 $3,385
USAA $2,589 $2,631 $3,799 $2,631

Cheapest Groton, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,782 $7,270
GEICO $2,967 $4,318
Liberty Mutual $6,426 $10,422
Nationwide $3,454 $5,122
Progressive $5,098 $5,687
State Farm $6,238 $8,069
Travelers $5,572 $6,612
USAA $6,103 $7,296

Cheapest Groton, NY Car Insurance for Seniors

Take a look at Groton, 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 Groton, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,217 $2,254
GEICO $1,387 $1,367
Liberty Mutual $3,095 $3,095
Nationwide $1,874 $1,874
Progressive $1,266 $1,280
State Farm $1,850 $1,850
Travelers $2,239 $2,418
USAA $1,379 $1,382

Cheapest Groton, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,297
GEICO $3,007
Liberty Mutual $7,251
Nationwide $4,360
Progressive $2,724
State Farm $3,541
Travelers $3,668
USAA $3,799

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Cheapest Groton, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,444 $3,537
GEICO $1,875 $1,988
Liberty Mutual $4,440 $4,696
Nationwide $2,598 $2,598
Progressive $2,539 $2,539
State Farm $3,265 $3,500
Travelers $3,402 $3,402
USAA $2,883 $2,941

The Best Cheap Car Insurance Companies in Groton, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,490
GEICO $1,931
Liberty Mutual $4,568
Nationwide $2,598
Progressive $2,539
State Farm $3,383
Travelers $3,402
USAA $2,912

Category Winners: Cheapest Car Insurance in Groton, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $3,307 $3,480 $3,685
GEICO $1,838 $1,926 $2,031
Liberty Mutual $4,396 $4,554 $4,754
Nationwide $2,461 $2,579 $2,754
Progressive $2,422 $2,528 $2,668
State Farm $3,206 $3,403 $3,539
Travelers $3,239 $3,370 $3,597
USAA $2,839 $2,901 $2,997

What affects car insurance rates in Groton, New York?

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

Commute Time in Groton

The more time you spend in your car the higher the risk of an accident. The average commute length in Groton, NY is 24.4 minutes according to City-Data.

Compare Car Insurance Quotes in Groton, NY

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

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