Compare Harris, NY Car Insurance Rates (2021)

Car insurance in Harris, NY averages $413 a month. Harris, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Harris car insurance rates, compare quotes from the top car insurance companies in Harris, 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

  • Average car insurance rates in Harris, NY after a DUI are $6,626/year
  • The cheapest car insurance company in Harris is GEICO
  • Average car insurance rates in Harris, NY are $4,957/year

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

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

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

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

How do age, gender, and marital status affect Harris, NY car insurance rates? Every Harris, 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 Harris, 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 $3,663 $3,410 $3,446 $3,489 $10,870 $11,619 $3,566 $3,575
GEICO $2,187 $2,102 $2,121 $2,090 $4,632 $6,783 $1,972 $2,016
Liberty Mutual $5,570 $5,570 $5,181 $5,181 $10,852 $17,658 $5,570 $5,927
Nationwide $3,585 $3,585 $3,372 $3,372 $6,525 $9,832 $3,585 $4,630
Progressive $2,627 $2,431 $2,082 $2,122 $8,798 $9,712 $3,356 $3,221
State Farm $3,567 $3,567 $3,101 $3,101 $10,261 $13,199 $3,912 $4,105
Travelers $3,513 $3,502 $3,187 $3,390 $8,113 $9,598 $3,700 $3,820
USAA $2,065 $2,031 $1,870 $1,876 $8,345 $9,930 $2,652 $2,937

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Minimum Car Insurance in Harris, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $7,897 $4,558 $3,909
GEICO $3,745 $2,751 $2,469
Liberty Mutual $10,779 $7,032 $5,254
Nationwide $4,811 $4,811 $4,811
Progressive $6,904 $3,467 $2,510
State Farm $7,912 $4,959 $3,934
Travelers $6,773 $4,183 $3,603
USAA $6,114 $3,070 $2,706

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

Annual Harris, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,600 $4,600 $6,782 $5,838
GEICO $2,333 $2,543 $4,742 $2,333
Liberty Mutual $6,147 $6,147 $12,312 $6,147
Nationwide $3,623 $3,623 $8,287 $3,710
Progressive $4,173 $4,173 $4,628 $4,200
State Farm $5,342 $5,342 $5,861 $5,861
Travelers $4,138 $5,189 $5,261 $4,824
USAA $3,535 $3,593 $5,132 $3,593

Cheapest Harris, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,870 $11,619
GEICO $4,632 $6,783
Liberty Mutual $10,852 $17,658
Nationwide $6,525 $9,832
Progressive $8,798 $9,712
State Farm $10,261 $13,199
Travelers $8,113 $9,598
USAA $8,345 $9,930

Cheapest Harris, NY Car Insurance for Seniors

Take a look at Harris, 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 Harris, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,446 $3,489
GEICO $2,121 $2,090
Liberty Mutual $5,181 $5,181
Nationwide $3,372 $3,372
Progressive $2,082 $2,122
State Farm $3,101 $3,101
Travelers $3,187 $3,390
USAA $1,870 $1,876

Cheapest Harris, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,782
GEICO $4,742
Liberty Mutual $12,312
Nationwide $8,287
Progressive $4,628
State Farm $5,861
Travelers $5,261
USAA $5,132

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Cheapest Harris, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,378 $5,532
GEICO $2,900 $3,076
Liberty Mutual $7,471 $7,905
Nationwide $4,811 $4,811
Progressive $4,294 $4,294
State Farm $5,399 $5,804
Travelers $4,853 $4,853
USAA $3,923 $4,003

The Best Cheap Car Insurance Companies in Harris, NY

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

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

Insurance Company Average Annual Rates
Allstate $5,455
GEICO $2,988
Liberty Mutual $7,688
Nationwide $4,811
Progressive $4,294
State Farm $5,602
Travelers $4,853
USAA $3,963

Category Winners: Cheapest Car Insurance in Harris, New York

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

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

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

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Cheapest Harris, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $5,080 $5,431 $5,853
GEICO $2,820 $2,973 $3,171
Liberty Mutual $7,390 $7,669 $8,006
Nationwide $4,552 $4,775 $5,106
Progressive $4,048 $4,262 $4,571
State Farm $5,350 $5,629 $5,825
Travelers $4,579 $4,794 $5,185
USAA $3,832 $3,939 $4,118

What affects car insurance rates in Harris, New York?

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

Commute Time in Harris

The more time you spend in your car the higher the risk of an accident. The average commute length in Harris, NY is 31.7 minutes according to City-Data.

Traffic in Harris

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Harris, NY traffic data from INRIX ranks Harris as the 361st-most congested in the world.

Compare Car Insurance Quotes in Harris, NY

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

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