Compare Niagara Falls, NY Car Insurance Rates (2021)

Car insurance in Niagara Falls, NY averages $310 a month. Niagara Falls, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Niagara Falls car insurance rates, compare quotes from the top car insurance companies in Niagara Falls, 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 Niagara Falls, NY are $3,714/year
  • The cheapest car insurance company in Niagara Falls for teen drivers is GEICO
  • The cheapest ZIP code in Niagara Falls is 14304

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

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

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

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

How do age, gender, and marital status affect Niagara Falls, NY car insurance rates? Every Niagara Falls, 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 Niagara Falls, 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 $2,519 $2,365 $2,366 $2,400 $7,355 $7,907 $2,476 $2,489
GEICO $1,649 $1,586 $1,602 $1,579 $3,537 $5,219 $1,482 $1,516
Liberty Mutual $3,975 $3,975 $3,704 $3,704 $7,779 $12,612 $3,975 $4,216
Nationwide $2,623 $2,623 $2,472 $2,472 $4,773 $7,139 $2,623 $3,367
Progressive $2,032 $1,868 $1,609 $1,640 $6,911 $7,611 $2,591 $2,471
State Farm $2,652 $2,652 $2,328 $2,328 $7,941 $10,140 $2,930 $3,054
Travelers $2,657 $2,651 $2,449 $2,599 $6,336 $7,606 $2,802 $2,890
USAA $1,752 $1,721 $1,594 $1,594 $7,088 $8,416 $2,242 $2,478

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Minimum Car Insurance in Niagara Falls, NY

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

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

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

Annual Car Insurance Rates by Credit Score in Niagara Falls, New York

Insurance Company Poor Fair Good
Allstate $5,357 $3,138 $2,709
GEICO $2,846 $2,091 $1,877
Liberty Mutual $7,682 $5,027 $3,768
Nationwide $3,511 $3,511 $3,511
Progressive $5,353 $2,704 $1,967
State Farm $6,004 $3,766 $2,990
Travelers $5,224 $3,236 $2,787
USAA $5,152 $2,618 $2,312

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

Annual Niagara Falls, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,166 $3,166 $4,617 $3,989
GEICO $1,759 $1,918 $3,650 $1,759
Liberty Mutual $4,368 $4,368 $8,864 $4,368
Nationwide $2,671 $2,671 $5,972 $2,732
Progressive $3,247 $3,247 $3,603 $3,268
State Farm $4,041 $4,041 $4,465 $4,465
Travelers $3,181 $4,014 $4,070 $3,729
USAA $2,990 $3,039 $4,375 $3,039

Cheapest Niagara Falls, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Niagara Falls, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,355 $7,907
GEICO $3,537 $5,219
Liberty Mutual $7,779 $12,612
Nationwide $4,773 $7,139
Progressive $6,911 $7,611
State Farm $7,941 $10,140
Travelers $6,336 $7,606
USAA $7,088 $8,416

Cheapest Niagara Falls, NY Car Insurance for Seniors

Take a look at Niagara Falls, 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 Niagara Falls, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,366 $2,400
GEICO $1,602 $1,579
Liberty Mutual $3,704 $3,704
Nationwide $2,472 $2,472
Progressive $1,609 $1,640
State Farm $2,328 $2,328
Travelers $2,449 $2,599
USAA $1,594 $1,594

Cheapest Niagara Falls, NY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Niagara Falls, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,617
GEICO $3,650
Liberty Mutual $8,864
Nationwide $5,972
Progressive $3,603
State Farm $4,465
Travelers $4,070
USAA $4,375

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Cheapest Niagara Falls, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Niagara Falls, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,684 $3,785
GEICO $2,205 $2,338
Liberty Mutual $5,339 $5,646
Nationwide $3,511 $3,511
Progressive $3,341 $3,341
State Farm $4,096 $4,410
Travelers $3,749 $3,749
USAA $3,327 $3,394

Cheapest Niagara Falls, NY Car Insurance Rates by ZIP Code

Niagara Falls car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Niagara Falls, NY.

Annual Car Insurance Rates by ZIP Code in Niagara Falls, New York

ZIP Code Average Annual Rates
14301 $3,847
14303 $3,803
14304 $3,673
14305 $3,793

The Best Cheap Car Insurance Companies in Niagara Falls, NY

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

Average Annual Car Insurance Rates by Company in Niagara Falls, New York

Insurance Company Average Annual Rates
Allstate $3,735
GEICO $2,271
Liberty Mutual $5,492
Nationwide $3,511
Progressive $3,341
State Farm $4,253
Travelers $3,749
USAA $3,361

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Category Winners: Cheapest Car Insurance in Niagara Falls, New York

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

Best Annual Car Insurance Rates by Company in Niagara Falls, New York

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

Cheapest Niagara Falls, NY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Niagara Falls, New York

Insurance Company Low Medium High
Allstate $3,521 $3,722 $3,961
GEICO $2,135 $2,261 $2,418
Liberty Mutual $5,195 $5,471 $5,810
Nationwide $3,281 $3,480 $3,773
Progressive $3,140 $3,318 $3,566
State Farm $3,987 $4,283 $4,490
Travelers $3,500 $3,697 $4,049
USAA $3,251 $3,342 $3,490

What affects car insurance rates in Niagara Falls, New York?

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

Commute Time in Niagara Falls

The more time you spend in your car the higher the risk of an accident. The average commute length in Niagara Falls, NY is 19.2 minutes according to City-Data.

Traffic in Niagara Falls

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Niagara Falls, NY traffic data from INRIX ranks Niagara Falls as the 741st-most congested in the world.

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Compare Car Insurance Quotes in Niagara Falls, NY

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

Free Car Insurance Comparison

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

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