Compare Guilford, NY Car Insurance Rates (2021)

Car insurance in Guilford, NY averages $265 a month. Guilford, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Guilford car insurance rates, compare quotes from the top car insurance companies in Guilford, 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 Guilford, NY are $3,174/year
  • The cheapest car insurance company in Guilford is GEICO
  • Average car insurance rates in Guilford, NY after a DUI are $4,155/year

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

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

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

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

How do age, gender, and marital status affect Guilford, NY car insurance rates? Every Guilford, 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 Guilford, 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 $2,394 $2,271 $2,228 $2,265 $6,758 $7,248 $2,420 $2,459
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 $1,701 $1,618 $1,387 $1,401 $5,406 $6,039 $2,182 $2,139
State Farm $2,358 $2,358 $2,046 $2,046 $6,766 $8,758 $2,581 $2,734
Travelers $2,499 $2,528 $2,268 $2,436 $5,678 $6,686 $2,652 $2,771
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 Guilford, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,990 $2,954 $2,572
GEICO $2,420 $1,779 $1,596
Liberty Mutual $6,379 $4,183 $3,142
Nationwide $2,598 $2,598 $2,598
Progressive $4,331 $2,237 $1,635
State Farm $5,234 $3,281 $2,603
Travelers $4,723 $2,993 $2,604
USAA $4,512 $2,242 $1,983

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

Annual Guilford, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,995 $2,995 $4,297 $3,734
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 $2,664 $2,664 $2,930 $2,678
State Farm $3,538 $3,538 $3,874 $3,874
Travelers $2,957 $3,665 $3,719 $3,419
USAA $2,589 $2,631 $3,799 $2,631

Cheapest Guilford, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,758 $7,248
GEICO $2,967 $4,318
Liberty Mutual $6,426 $10,422
Nationwide $3,454 $5,122
Progressive $5,406 $6,039
State Farm $6,766 $8,758
Travelers $5,678 $6,686
USAA $6,103 $7,296

Cheapest Guilford, NY Car Insurance for Seniors

Take a look at Guilford, 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 Guilford, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,228 $2,265
GEICO $1,387 $1,367
Liberty Mutual $3,095 $3,095
Nationwide $1,874 $1,874
Progressive $1,387 $1,401
State Farm $2,046 $2,046
Travelers $2,268 $2,436
USAA $1,379 $1,382

Cheapest Guilford, NY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Guilford, 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 $2,930
State Farm $3,874
Travelers $3,719
USAA $3,799

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Cheapest Guilford, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,458 $3,552
GEICO $1,875 $1,988
Liberty Mutual $4,440 $4,696
Nationwide $2,598 $2,598
Progressive $2,734 $2,734
State Farm $3,576 $3,836
Travelers $3,440 $3,440
USAA $2,883 $2,941

The Best Cheap Car Insurance Companies in Guilford, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,505
GEICO $1,931
Liberty Mutual $4,568
Nationwide $2,598
Progressive $2,734
State Farm $3,706
Travelers $3,440
USAA $2,912

Category Winners: Cheapest Car Insurance in Guilford, New York

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

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

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

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Cheapest Guilford, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,338 $3,495 $3,683
GEICO $1,838 $1,926 $2,031
Liberty Mutual $4,396 $4,554 $4,754
Nationwide $2,461 $2,579 $2,754
Progressive $2,619 $2,722 $2,861
State Farm $3,544 $3,724 $3,850
Travelers $3,292 $3,411 $3,617
USAA $2,839 $2,901 $2,997

What affects car insurance rates in Guilford, New York?

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

Commute Time in Guilford

The more time you spend in your car the higher the risk of an accident. The average commute length in Guilford, NY is 29.2 minutes according to City-Data.

Compare Car Insurance Quotes in Guilford, NY

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

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