Compare Modena, NY Car Insurance Rates (2021)

Car insurance in Modena, NY averages $351 a month. Modena, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Modena car insurance rates, compare quotes from the top car insurance companies in Modena, 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 Modena, NY are $4,211/year
  • Average car insurance rates in Modena, NY after a DUI are $5,533/year
  • The cheapest car insurance company in Modena is GEICO

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

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

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

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

How do age, gender, and marital status affect Modena, NY car insurance rates? Every Modena, 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 Modena, 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 $1,651 $1,589 $1,604 $1,581 $3,490 $5,114 $1,488 $1,525
Liberty Mutual $4,244 $4,244 $3,949 $3,949 $8,248 $13,407 $4,244 $4,515
Nationwide $2,712 $2,712 $2,555 $2,555 $4,892 $7,325 $2,712 $3,479
Progressive $2,087 $1,936 $1,658 $1,688 $7,014 $7,763 $2,676 $2,581
State Farm $3,009 $3,009 $2,625 $2,625 $8,936 $11,500 $3,313 $3,503
Travelers $3,539 $3,517 $3,229 $3,425 $8,323 $9,864 $3,728 $3,841
USAA $1,750 $1,722 $1,576 $1,583 $6,993 $8,362 $2,243 $2,480

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Minimum Car Insurance in Modena, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $7,897 $4,558 $3,909
GEICO $2,826 $2,076 $1,863
Liberty Mutual $8,187 $5,354 $4,009
Nationwide $3,618 $3,618 $3,618
Progressive $5,478 $2,778 $2,021
State Farm $6,803 $4,262 $3,380
Travelers $6,884 $4,255 $3,661
USAA $5,185 $2,565 $2,265

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

Annual Modena, 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 $1,764 $1,923 $3,570 $1,764
Liberty Mutual $4,698 $4,698 $9,308 $4,698
Nationwide $2,747 $2,747 $6,165 $2,811
Progressive $3,330 $3,330 $3,691 $3,351
State Farm $4,583 $4,583 $5,047 $5,047
Travelers $4,186 $5,284 $5,360 $4,903
USAA $2,972 $3,020 $4,343 $3,020

Cheapest Modena, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,870 $11,619
GEICO $3,490 $5,114
Liberty Mutual $8,248 $13,407
Nationwide $4,892 $7,325
Progressive $7,014 $7,763
State Farm $8,936 $11,500
Travelers $8,323 $9,864
USAA $6,993 $8,362

Cheapest Modena, NY Car Insurance for Seniors

Take a look at Modena, 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 Modena, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,446 $3,489
GEICO $1,604 $1,581
Liberty Mutual $3,949 $3,949
Nationwide $2,555 $2,555
Progressive $1,658 $1,688
State Farm $2,625 $2,625
Travelers $3,229 $3,425
USAA $1,576 $1,583

Cheapest Modena, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,782
GEICO $3,570
Liberty Mutual $9,308
Nationwide $6,165
Progressive $3,691
State Farm $5,047
Travelers $5,360
USAA $4,343

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Cheapest Modena, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,378 $5,532
GEICO $2,189 $2,321
Liberty Mutual $5,686 $6,015
Nationwide $3,618 $3,618
Progressive $3,426 $3,426
State Farm $4,645 $4,985
Travelers $4,933 $4,933
USAA $3,305 $3,372

The Best Cheap Car Insurance Companies in Modena, NY

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

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

Insurance Company Average Annual Rates
Allstate $5,455
GEICO $2,255
Liberty Mutual $5,850
Nationwide $3,618
Progressive $3,426
State Farm $4,815
Travelers $4,933
USAA $3,339

Category Winners: Cheapest Car Insurance in Modena, New York

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

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

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

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Cheapest Modena, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $5,080 $5,431 $5,853
GEICO $2,136 $2,248 $2,381
Liberty Mutual $5,608 $5,832 $6,111
Nationwide $3,399 $3,587 $3,866
Progressive $3,246 $3,405 $3,626
State Farm $4,584 $4,842 $5,019
Travelers $4,656 $4,875 $5,268
USAA $3,250 $3,324 $3,442

What affects car insurance rates in Modena, New York?

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

Traffic in Modena

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Modena, NY traffic data from INRIX ranks Modena as the 298th-most congested in the world.

Compare Car Insurance Quotes in Modena, NY

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

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