Compare Orchard Park, NY Car Insurance Rates (2021)

Car insurance in Orchard Park, NY averages $297 a month. Orchard Park, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Orchard Park car insurance rates, compare quotes from the top car insurance companies in Orchard Park, 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 Orchard Park, NY after a DUI are $4,720/year
  • The cheapest car insurance company in Orchard Park for teen drivers is GEICO
  • The cheapest car insurance company in Orchard Park is GEICO

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

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

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

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

How do age, gender, and marital status affect Orchard Park, NY car insurance rates? Every Orchard Park, 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 Orchard Park, 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 $2,758 $2,567 $2,596 $2,622 $8,007 $8,565 $2,672 $2,663
GEICO $1,452 $1,399 $1,414 $1,394 $3,091 $4,553 $1,307 $1,344
Liberty Mutual $3,523 $3,523 $3,283 $3,283 $6,859 $11,120 $3,523 $3,740
Nationwide $2,624 $2,624 $2,473 $2,473 $4,806 $7,187 $2,624 $3,372
Progressive $1,840 $1,709 $1,476 $1,499 $6,356 $7,052 $2,369 $2,285
State Farm $2,626 $2,626 $2,303 $2,303 $7,880 $10,121 $2,897 $3,045
Travelers $2,652 $2,660 $2,448 $2,609 $6,335 $7,634 $2,805 $2,903
USAA $1,591 $1,561 $1,447 $1,444 $6,444 $7,661 $2,031 $2,239

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Minimum Car Insurance in Orchard Park, NY

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

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

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

Annual Car Insurance Rates by Credit Score in Orchard Park, New York

Insurance Company Poor Fair Good
Allstate $5,860 $3,395 $2,913
GEICO $2,499 $1,836 $1,648
Liberty Mutual $6,786 $4,447 $3,337
Nationwide $3,523 $3,523 $3,523
Progressive $4,861 $2,514 $1,844
State Farm $5,963 $3,741 $2,970
Travelers $5,221 $3,245 $2,801
USAA $4,681 $2,375 $2,101

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

Annual Orchard Park, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,441 $3,441 $5,012 $4,332
GEICO $1,555 $1,696 $3,171 $1,555
Liberty Mutual $3,884 $3,884 $7,775 $3,884
Nationwide $2,680 $2,680 $5,989 $2,742
Progressive $2,989 $2,989 $3,308 $3,007
State Farm $4,017 $4,017 $4,432 $4,432
Travelers $3,194 $4,018 $4,074 $3,737
USAA $2,708 $2,753 $3,995 $2,753

Cheapest Orchard Park, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Orchard Park, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,007 $8,565
GEICO $3,091 $4,553
Liberty Mutual $6,859 $11,120
Nationwide $4,806 $7,187
Progressive $6,356 $7,052
State Farm $7,880 $10,121
Travelers $6,335 $7,634
USAA $6,444 $7,661

Cheapest Orchard Park, NY Car Insurance for Seniors

Take a look at Orchard Park, 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 Orchard Park, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,596 $2,622
GEICO $1,414 $1,394
Liberty Mutual $3,283 $3,283
Nationwide $2,473 $2,473
Progressive $1,476 $1,499
State Farm $2,303 $2,303
Travelers $2,448 $2,609
USAA $1,447 $1,444

Cheapest Orchard Park, NY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Orchard Park, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,012
GEICO $3,171
Liberty Mutual $7,775
Nationwide $5,989
Progressive $3,308
State Farm $4,432
Travelers $4,074
USAA $3,995

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Cheapest Orchard Park, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Orchard Park, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,001 $4,112
GEICO $1,936 $2,053
Liberty Mutual $4,721 $4,992
Nationwide $3,523 $3,523
Progressive $3,073 $3,073
State Farm $4,073 $4,377
Travelers $3,756 $3,756
USAA $3,022 $3,083

The Best Cheap Car Insurance Companies in Orchard Park, NY

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

Average Annual Car Insurance Rates by Company in Orchard Park, New York

Insurance Company Average Annual Rates
Allstate $4,056
GEICO $1,994
Liberty Mutual $4,857
Nationwide $3,523
Progressive $3,073
State Farm $4,225
Travelers $3,756
USAA $3,052

Category Winners: Cheapest Car Insurance in Orchard Park, New York

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

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

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

Annual Car Insurance Rates by Coverage Level in Orchard Park, New York

Insurance Company Low Medium High
Allstate $3,786 $4,040 $4,342
GEICO $1,876 $1,990 $2,116
Liberty Mutual $4,605 $4,838 $5,127
Nationwide $3,268 $3,488 $3,812
Progressive $2,897 $3,055 $3,268
State Farm $3,940 $4,257 $4,477
Travelers $3,503 $3,704 $4,060
USAA $2,962 $3,038 $3,157

What affects car insurance rates in Orchard Park, New York?

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

Commute Time in Orchard Park

The more time you spend in your car the higher the risk of an accident. The average commute length in Orchard Park, NY is 21.2 minutes according to City-Data.

Compare Car Insurance Quotes in Orchard Park, NY

Ready to find affordable Orchard Park, New York car insurance today? Enter your ZIP code for fast, free Orchard Park, 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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