Compare Memphis, NY Car Insurance Rates (2021)

Car insurance in Memphis, NY averages $265 a month. Memphis, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Memphis car insurance rates, compare quotes from the top car insurance companies in Memphis, 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 Memphis is GEICO
  • Average car insurance rates in Memphis, NY are $3,178/year
  • The cheapest car insurance company in Memphis for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Memphis, NY car insurance rates? Every Memphis, 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 Memphis, 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 $2,478 $2,347 $2,320 $2,365 $7,333 $7,936 $2,475 $2,508
GEICO $1,326 $1,278 $1,292 $1,273 $2,801 $4,112 $1,195 $1,231
Liberty Mutual $3,450 $3,450 $3,217 $3,217 $6,721 $10,879 $3,450 $3,659
Nationwide $2,040 $2,040 $1,927 $1,927 $3,642 $5,406 $2,040 $2,595
Progressive $1,860 $1,737 $1,499 $1,513 $6,431 $7,174 $2,410 $2,341
State Farm $2,098 $2,098 $1,831 $1,831 $6,227 $8,027 $2,309 $2,446
Travelers $2,300 $2,316 $2,120 $2,268 $5,469 $6,525 $2,448 $2,549
USAA $1,416 $1,390 $1,285 $1,285 $5,677 $6,761 $1,803 $1,986

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Minimum Car Insurance in Memphis, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,292 $3,140 $2,728
GEICO $2,272 $1,670 $1,499
Liberty Mutual $6,643 $4,355 $3,269
Nationwide $2,702 $2,702 $2,702
Progressive $4,916 $2,562 $1,884
State Farm $4,742 $2,973 $2,360
Travelers $4,443 $2,834 $2,471
USAA $4,154 $2,094 $1,854

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

Annual Memphis, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,149 $3,149 $4,607 $3,976
GEICO $1,422 $1,550 $2,860 $1,422
Liberty Mutual $3,783 $3,783 $7,674 $3,783
Nationwide $2,075 $2,075 $4,536 $2,121
Progressive $3,036 $3,036 $3,357 $3,055
State Farm $3,197 $3,197 $3,519 $3,519
Travelers $2,767 $3,473 $3,525 $3,233
USAA $2,400 $2,439 $3,523 $2,439

Cheapest Memphis, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,333 $7,936
GEICO $2,801 $4,112
Liberty Mutual $6,721 $10,879
Nationwide $3,642 $5,406
Progressive $6,431 $7,174
State Farm $6,227 $8,027
Travelers $5,469 $6,525
USAA $5,677 $6,761

Cheapest Memphis, NY Car Insurance for Seniors

Take a look at Memphis, 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 Memphis, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,320 $2,365
GEICO $1,292 $1,273
Liberty Mutual $3,217 $3,217
Nationwide $1,927 $1,927
Progressive $1,499 $1,513
State Farm $1,831 $1,831
Travelers $2,120 $2,268
USAA $1,285 $1,285

Cheapest Memphis, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,607
GEICO $2,860
Liberty Mutual $7,674
Nationwide $4,536
Progressive $3,357
State Farm $3,519
Travelers $3,525
USAA $3,523

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Cheapest Memphis, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,670 $3,770
GEICO $1,760 $1,867
Liberty Mutual $4,623 $4,888
Nationwide $2,702 $2,702
Progressive $3,121 $3,121
State Farm $3,241 $3,476
Travelers $3,249 $3,249
USAA $2,674 $2,727

The Best Cheap Car Insurance Companies in Memphis, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,720
GEICO $1,814
Liberty Mutual $4,755
Nationwide $2,702
Progressive $3,121
State Farm $3,358
Travelers $3,249
USAA $2,700

Category Winners: Cheapest Car Insurance in Memphis, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $3,553 $3,710 $3,898
GEICO $1,723 $1,811 $1,906
Liberty Mutual $4,543 $4,738 $4,985
Nationwide $2,548 $2,683 $2,875
Progressive $2,979 $3,112 $3,271
State Farm $3,182 $3,378 $3,515
Travelers $3,098 $3,225 $3,425
USAA $2,623 $2,688 $2,791

What affects car insurance rates in Memphis, New York?

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

Traffic in Memphis

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Memphis, NY traffic data from INRIX ranks Memphis as the 626th-most congested in the world.

Compare Car Insurance Quotes in Memphis, NY

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

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