Compare Rocky Point, NY Car Insurance Rates (2021)

Car insurance in Rocky Point, NY averages $459 a month. Rocky Point, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Rocky Point car insurance rates, compare quotes from the top car insurance companies in Rocky Point, 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 Rocky Point, NY after a DUI are $7,369/year
  • The cheapest car insurance company in Rocky Point for teen drivers is GEICO
  • Average car insurance rates in Rocky Point, NY are $5,511/year

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

You’ll find Rocky Point car insurance rates, the cheapest Rocky Point, NY car insurance companies, and information on New York car insurance laws. You can also compare Rocky Point, New York car insurance rates to Rochester car insurance rates, Buffalo car insurance rates, and Utica car insurance rates.

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

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

How do age, gender, and marital status affect Rocky Point, NY car insurance rates? Every Rocky Point, 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 Rocky Point, 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 $3,765 $3,463 $3,566 $3,591 $11,114 $11,811 $3,570 $3,529
GEICO $2,271 $2,184 $2,207 $2,175 $4,906 $7,260 $2,040 $2,088
Liberty Mutual $6,047 $6,047 $5,633 $5,633 $11,845 $17,111 $6,047 $6,418
Nationwide $3,894 $3,894 $3,662 $3,662 $7,249 $10,911 $3,894 $5,043
Progressive $3,406 $3,077 $2,639 $2,708 $11,629 $12,688 $4,308 $4,048
State Farm $3,715 $3,715 $3,259 $3,259 $10,936 $13,444 $4,105 $4,324
Travelers $4,449 $4,365 $4,069 $4,280 $10,626 $12,593 $4,665 $4,762
USAA $2,290 $2,254 $2,085 $2,091 $9,224 $10,935 $2,946 $3,267

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Minimum Car Insurance in Rocky Point, NY

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

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

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

Annual Car Insurance Rates by Credit Score in Rocky Point, New York

Insurance Company Poor Fair Good
Allstate $8,120 $4,615 $3,919
GEICO $3,938 $2,892 $2,595
Liberty Mutual $11,345 $7,408 $5,540
Nationwide $5,276 $5,276 $5,276
Progressive $9,043 $4,443 $3,203
State Farm $8,252 $5,175 $4,108
Travelers $8,752 $5,348 $4,577
USAA $6,717 $3,426 $3,016

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

Annual Rocky Point, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,681 $4,681 $6,903 $5,941
GEICO $2,423 $2,643 $5,076 $2,423
Liberty Mutual $6,367 $6,367 $13,289 $6,367
Nationwide $3,981 $3,981 $9,066 $4,076
Progressive $5,398 $5,398 $6,019 $5,437
State Farm $5,554 $5,554 $6,136 $6,136
Travelers $5,243 $6,689 $6,784 $6,189
USAA $3,912 $3,976 $5,682 $3,976

Cheapest Rocky Point, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Rocky Point, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,114 $11,811
GEICO $4,906 $7,260
Liberty Mutual $11,845 $17,111
Nationwide $7,249 $10,911
Progressive $11,629 $12,688
State Farm $10,936 $13,444
Travelers $10,626 $12,593
USAA $9,224 $10,935

Cheapest Rocky Point, NY Car Insurance for Seniors

Take a look at Rocky Point, 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 Rocky Point, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,566 $3,591
GEICO $2,207 $2,175
Liberty Mutual $5,633 $5,633
Nationwide $3,662 $3,662
Progressive $2,639 $2,708
State Farm $3,259 $3,259
Travelers $4,069 $4,280
USAA $2,085 $2,091

Cheapest Rocky Point, NY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Rocky Point, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,903
GEICO $5,076
Liberty Mutual $13,289
Nationwide $9,066
Progressive $6,019
State Farm $6,136
Travelers $6,784
USAA $5,682

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Cheapest Rocky Point, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Rocky Point, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,473 $5,629
GEICO $3,049 $3,234
Liberty Mutual $7,863 $8,332
Nationwide $5,276 $5,276
Progressive $5,563 $5,563
State Farm $5,631 $6,059
Travelers $6,226 $6,226
USAA $4,342 $4,431

The Best Cheap Car Insurance Companies in Rocky Point, NY

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

Average Annual Car Insurance Rates by Company in Rocky Point, New York

Insurance Company Average Annual Rates
Allstate $5,551
GEICO $3,142
Liberty Mutual $8,098
Nationwide $5,276
Progressive $5,563
State Farm $5,845
Travelers $6,226
USAA $4,387

Category Winners: Cheapest Car Insurance in Rocky Point, New York

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

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

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

Annual Car Insurance Rates by Coverage Level in Rocky Point, New York

Insurance Company Low Medium High
Allstate $5,065 $5,520 $6,069
GEICO $2,943 $3,126 $3,355
Liberty Mutual $7,665 $8,075 $8,553
Nationwide $4,894 $5,222 $5,712
Progressive $5,202 $5,516 $5,971
State Farm $5,489 $5,884 $6,161
Travelers $5,849 $6,149 $6,681
USAA $4,224 $4,357 $4,579

What affects car insurance rates in Rocky Point, New York?

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

Commute Time in Rocky Point

The more time you spend in your car the higher the risk of an accident. The average commute length in Rocky Point, NY is 33.5 minutes according to City-Data.

Compare Car Insurance Quotes in Rocky Point, NY

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

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