Compare Hector, NY Car Insurance Rates (2021)

Car insurance in Hector, NY averages $254 a month. Hector, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Hector car insurance rates, compare quotes from the top car insurance companies in Hector, 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 Hector, NY after a DUI are $3,989/year
  • The cheapest car insurance company in Hector is GEICO
  • The cheapest car insurance company in Hector for teen drivers is GEICO

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

You’ll find Hector car insurance rates, the cheapest Hector, NY car insurance companies, and information on New York car insurance laws. You can also compare Hector, New York car insurance rates to Mount Vernon car insurance rates, Utica car insurance rates, and Yonkers car insurance rates.

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

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

How do age, gender, and marital status affect Hector, NY car insurance rates? Every Hector, 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 Hector, 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 $2,193 $2,075 $2,046 $2,078 $6,152 $6,594 $2,198 $2,223
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 $1,826 $1,826 $1,728 $1,728 $3,166 $4,680 $1,826 $2,305
Progressive $1,660 $1,571 $1,353 $1,366 $5,383 $6,003 $2,128 $2,074
State Farm $2,143 $2,143 $1,865 $1,865 $6,267 $8,109 $2,351 $2,496
Travelers $2,387 $2,398 $2,156 $2,307 $5,336 $6,257 $2,525 $2,623
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 Hector, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,556 $2,691 $2,338
GEICO $2,420 $1,779 $1,596
Liberty Mutual $6,379 $4,183 $3,142
Nationwide $2,385 $2,385 $2,385
Progressive $4,256 $2,205 $1,616
State Farm $4,808 $3,014 $2,392
Travelers $4,462 $2,824 $2,460
USAA $4,512 $2,242 $1,983

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

Annual Hector, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,733 $2,733 $3,912 $3,402
GEICO $1,527 $1,664 $3,007 $1,527
Liberty Mutual $3,674 $3,674 $7,251 $3,674
Nationwide $1,840 $1,840 $3,981 $1,880
Progressive $2,622 $2,622 $2,887 $2,638
State Farm $3,246 $3,246 $3,563 $3,563
Travelers $2,795 $3,461 $3,510 $3,230
USAA $2,589 $2,631 $3,799 $2,631

Cheapest Hector, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,152 $6,594
GEICO $2,967 $4,318
Liberty Mutual $6,426 $10,422
Nationwide $3,166 $4,680
Progressive $5,383 $6,003
State Farm $6,267 $8,109
Travelers $5,336 $6,257
USAA $6,103 $7,296

Cheapest Hector, NY Car Insurance for Seniors

Take a look at Hector, 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 Hector, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,046 $2,078
GEICO $1,387 $1,367
Liberty Mutual $3,095 $3,095
Nationwide $1,728 $1,728
Progressive $1,353 $1,366
State Farm $1,865 $1,865
Travelers $2,156 $2,307
USAA $1,379 $1,382

Cheapest Hector, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,912
GEICO $3,007
Liberty Mutual $7,251
Nationwide $3,981
Progressive $2,887
State Farm $3,563
Travelers $3,510
USAA $3,799

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Cheapest Hector, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,153 $3,237
GEICO $1,875 $1,988
Liberty Mutual $4,440 $4,696
Nationwide $2,385 $2,385
Progressive $2,692 $2,692
State Farm $3,286 $3,523
Travelers $3,249 $3,249
USAA $2,883 $2,941

The Best Cheap Car Insurance Companies in Hector, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,195
GEICO $1,931
Liberty Mutual $4,568
Nationwide $2,385
Progressive $2,692
State Farm $3,405
Travelers $3,249
USAA $2,912

Category Winners: Cheapest Car Insurance in Hector, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $3,027 $3,185 $3,372
GEICO $1,838 $1,926 $2,031
Liberty Mutual $4,396 $4,554 $4,754
Nationwide $2,255 $2,367 $2,534
Progressive $2,570 $2,681 $2,827
State Farm $3,230 $3,424 $3,560
Travelers $3,113 $3,222 $3,410
USAA $2,839 $2,901 $2,997

Compare Car Insurance Quotes in Hector, NY

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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