Compare Melrose, NY Car Insurance Rates (2021)

Car insurance in Melrose, NY averages $270 a month. Melrose, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Melrose car insurance rates, compare quotes from the top car insurance companies in Melrose, 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 Melrose, NY are $3,246/year
  • The cheapest car insurance company in Melrose is GEICO
  • The cheapest car insurance company in Melrose for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Melrose, NY car insurance rates? Every Melrose, 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 Melrose, 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 $2,461 $2,325 $2,314 $2,358 $7,354 $7,952 $2,438 $2,467
GEICO $1,510 $1,455 $1,470 $1,449 $3,192 $4,685 $1,361 $1,401
Liberty Mutual $3,624 $3,624 $3,377 $3,377 $7,078 $11,473 $3,624 $3,844
Nationwide $2,096 $2,096 $1,980 $1,980 $3,734 $5,548 $2,096 $2,667
Progressive $1,745 $1,620 $1,393 $1,418 $6,196 $6,899 $2,270 $2,209
State Farm $1,863 $1,863 $1,623 $1,623 $5,481 $7,080 $2,047 $2,174
Travelers $2,441 $2,455 $2,254 $2,412 $5,863 $6,998 $2,605 $2,711
USAA $1,571 $1,543 $1,427 $1,426 $6,338 $7,543 $2,007 $2,213

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Minimum Car Insurance in Melrose, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,588 $1,902 $1,707
Liberty Mutual $6,992 $4,580 $3,436
Nationwide $2,775 $2,775 $2,775
Progressive $4,671 $2,440 $1,795
State Farm $4,192 $2,629 $2,087
Travelers $4,726 $3,030 $2,646
USAA $4,627 $2,334 $2,064

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

Annual Melrose, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,130 $3,130 $4,607 $3,968
GEICO $1,619 $1,765 $3,259 $1,619
Liberty Mutual $3,990 $3,990 $8,041 $3,990
Nationwide $2,128 $2,128 $4,667 $2,176
Progressive $2,886 $2,886 $3,200 $2,904
State Farm $2,830 $2,830 $3,109 $3,109
Travelers $2,944 $3,709 $3,764 $3,452
USAA $2,670 $2,713 $3,937 $2,713

Cheapest Melrose, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $3,192 $4,685
Liberty Mutual $7,078 $11,473
Nationwide $3,734 $5,548
Progressive $6,196 $6,899
State Farm $5,481 $7,080
Travelers $5,863 $6,998
USAA $6,338 $7,543

Cheapest Melrose, NY Car Insurance for Seniors

Take a look at Melrose, 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 Melrose, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,470 $1,449
Liberty Mutual $3,377 $3,377
Nationwide $1,980 $1,980
Progressive $1,393 $1,418
State Farm $1,623 $1,623
Travelers $2,254 $2,412
USAA $1,427 $1,426

Cheapest Melrose, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,607
GEICO $3,259
Liberty Mutual $8,041
Nationwide $4,667
Progressive $3,200
State Farm $3,109
Travelers $3,764
USAA $3,937

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Cheapest Melrose, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,659 $3,759
GEICO $2,004 $2,126
Liberty Mutual $4,863 $5,142
Nationwide $2,775 $2,775
Progressive $2,969 $2,969
State Farm $2,867 $3,072
Travelers $3,467 $3,467
USAA $2,978 $3,038

The Best Cheap Car Insurance Companies in Melrose, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $2,065
Liberty Mutual $5,003
Nationwide $2,775
Progressive $2,969
State Farm $2,969
Travelers $3,467
USAA $3,008

Category Winners: Cheapest Car Insurance in Melrose, New York

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

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

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

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Cheapest Melrose, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $1,953 $2,059 $2,184
Liberty Mutual $4,785 $4,986 $5,237
Nationwide $2,614 $2,754 $2,955
Progressive $2,807 $2,953 $3,146
State Farm $2,824 $2,985 $3,099
Travelers $3,318 $3,447 $3,637
USAA $2,917 $2,994 $3,115

What affects car insurance rates in Melrose, New York?

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

Commute Time in Melrose

The more time you spend in your car the higher the risk of an accident. The average commute length in Melrose, NY is 20.0 minutes according to City-Data.

Compare Car Insurance Quotes in Melrose, NY

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

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