Compare Houghton, NY Car Insurance Rates (2021)

Car insurance in Houghton, NY averages $255 a month. Houghton, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Houghton car insurance rates, compare quotes from the top car insurance companies in Houghton, 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

  • The cheapest car insurance company in Houghton for teen drivers is GEICO
  • The cheapest car insurance company in Houghton is GEICO
  • Average car insurance rates in Houghton, NY are $3,066/year

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

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

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

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

How do age, gender, and marital status affect Houghton, NY car insurance rates? Every Houghton, 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 Houghton, 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 $2,390 $2,251 $2,214 $2,237 $6,516 $6,961 $2,398 $2,416
GEICO $1,343 $1,292 $1,301 $1,282 $2,694 $3,837 $1,218 $1,243
Liberty Mutual $3,013 $3,013 $2,805 $2,805 $5,784 $9,380 $3,013 $3,206
Nationwide $1,949 $1,949 $1,843 $1,843 $3,332 $4,941 $1,949 $2,460
Progressive $1,652 $1,580 $1,355 $1,367 $5,155 $5,767 $2,115 $2,079
State Farm $2,265 $2,265 $1,966 $1,966 $6,482 $8,387 $2,479 $2,621
Travelers $2,510 $2,539 $2,273 $2,444 $5,680 $6,729 $2,661 $2,778
USAA $1,598 $1,573 $1,437 $1,445 $6,303 $7,547 $2,047 $2,264

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Minimum Car Insurance in Houghton, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,876 $2,883 $2,509
GEICO $2,224 $1,637 $1,468
Liberty Mutual $5,758 $3,782 $2,844
Nationwide $2,533 $2,533 $2,533
Progressive $4,168 $2,156 $1,576
State Farm $5,019 $3,146 $2,497
Travelers $4,747 $2,998 $2,610
USAA $4,707 $2,323 $2,051

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

Annual Houghton, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,949 $2,949 $4,158 $3,635
GEICO $1,431 $1,557 $2,687 $1,431
Liberty Mutual $3,338 $3,338 $6,496 $3,338
Nationwide $1,946 $1,946 $4,251 $1,990
Progressive $2,567 $2,567 $2,819 $2,581
State Farm $3,393 $3,393 $3,714 $3,714
Travelers $2,972 $3,675 $3,727 $3,433
USAA $2,697 $2,740 $3,931 $2,740

Cheapest Houghton, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,516 $6,961
GEICO $2,694 $3,837
Liberty Mutual $5,784 $9,380
Nationwide $3,332 $4,941
Progressive $5,155 $5,767
State Farm $6,482 $8,387
Travelers $5,680 $6,729
USAA $6,303 $7,547

Cheapest Houghton, NY Car Insurance for Seniors

Take a look at Houghton, 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 Houghton, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,214 $2,237
GEICO $1,301 $1,282
Liberty Mutual $2,805 $2,805
Nationwide $1,843 $1,843
Progressive $1,355 $1,367
State Farm $1,966 $1,966
Travelers $2,273 $2,444
USAA $1,437 $1,445

Cheapest Houghton, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,158
GEICO $2,687
Liberty Mutual $6,496
Nationwide $4,251
Progressive $2,819
State Farm $3,714
Travelers $3,727
USAA $3,931

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Cheapest Houghton, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,377 $3,468
GEICO $1,725 $1,828
Liberty Mutual $4,012 $4,243
Nationwide $2,533 $2,533
Progressive $2,634 $2,634
State Farm $3,428 $3,679
Travelers $3,452 $3,452
USAA $2,997 $3,057

The Best Cheap Car Insurance Companies in Houghton, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,423
GEICO $1,776
Liberty Mutual $4,128
Nationwide $2,533
Progressive $2,634
State Farm $3,554
Travelers $3,452
USAA $3,027

Category Winners: Cheapest Car Insurance in Houghton, New York

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

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

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

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Cheapest Houghton, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,265 $3,413 $3,589
GEICO $1,699 $1,770 $1,860
Liberty Mutual $3,976 $4,114 $4,292
Nationwide $2,402 $2,514 $2,685
Progressive $2,525 $2,622 $2,754
State Farm $3,392 $3,572 $3,698
Travelers $3,285 $3,419 $3,652
USAA $2,952 $3,015 $3,115

What affects car insurance rates in Houghton, New York?

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

Commute Time in Houghton

The more time you spend in your car the higher the risk of an accident. The average commute length in Houghton, NY is 8.1 minutes according to City-Data.

Compare Car Insurance Quotes in Houghton, NY

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

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