Compare Shelter Island, NY Car Insurance Rates (2021)

Car insurance in Shelter Island, NY averages $397 a month. Shelter Island, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Shelter Island car insurance rates, compare quotes from the top car insurance companies in Shelter Island, NY.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Shelter Island, NY after a DUI are $6,508/year
  • The cheapest car insurance company in Shelter Island is GEICO
  • Average car insurance rates in Shelter Island, NY are $4,765/year

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

You’ll find Shelter Island car insurance rates, the cheapest Shelter Island, NY car insurance companies, and information on New York car insurance laws. You can also compare Shelter Island, New York car insurance rates to New Rochelle car insurance rates, Rochester car insurance rates, and New York car insurance rates.

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

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

How do age, gender, and marital status affect Shelter Island, NY car insurance rates? Every Shelter Island, 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 Shelter Island, 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 $3,027 $2,839 $2,856 $2,904 $9,055 $9,735 $2,962 $2,977
GEICO $1,938 $1,865 $1,884 $1,856 $4,160 $6,138 $1,742 $1,782
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 $2,679 $2,442 $2,096 $2,146 $8,841 $9,655 $3,375 $3,183
State Farm $2,761 $2,761 $2,416 $2,416 $7,992 $9,839 $3,041 $3,208
Travelers $3,244 $3,266 $2,965 $3,173 $7,594 $9,079 $3,435 $3,571
USAA $2,290 $2,254 $2,085 $2,091 $9,224 $10,935 $2,946 $3,267

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Shelter Island, NY

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

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

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

Annual Car Insurance Rates by Credit Score in Shelter Island, New York

Insurance Company Poor Fair Good
Allstate $6,545 $3,811 $3,278
GEICO $3,347 $2,458 $2,206
Liberty Mutual $11,345 $7,408 $5,540
Nationwide $5,276 $5,276 $5,276
Progressive $6,981 $3,441 $2,485
State Farm $6,071 $3,812 $3,028
Travelers $6,308 $3,925 $3,389
USAA $6,717 $3,426 $3,016

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

Annual Shelter Island, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,829 $3,829 $5,655 $4,865
GEICO $2,067 $2,254 $4,294 $2,067
Liberty Mutual $6,367 $6,367 $13,289 $6,367
Nationwide $3,981 $3,981 $9,066 $4,076
Progressive $4,178 $4,178 $4,645 $4,207
State Farm $4,096 $4,096 $4,512 $4,512
Travelers $3,879 $4,850 $4,918 $4,517
USAA $3,912 $3,976 $5,682 $3,976

Cheapest Shelter Island, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Shelter Island, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,055 $9,735
GEICO $4,160 $6,138
Liberty Mutual $11,845 $17,111
Nationwide $7,249 $10,911
Progressive $8,841 $9,655
State Farm $7,992 $9,839
Travelers $7,594 $9,079
USAA $9,224 $10,935

Cheapest Shelter Island, NY Car Insurance for Seniors

Take a look at Shelter Island, 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 Shelter Island, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,856 $2,904
GEICO $1,884 $1,856
Liberty Mutual $5,633 $5,633
Nationwide $3,662 $3,662
Progressive $2,096 $2,146
State Farm $2,416 $2,416
Travelers $2,965 $3,173
USAA $2,085 $2,091

Cheapest Shelter Island, NY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Shelter Island, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,655
GEICO $4,294
Liberty Mutual $13,289
Nationwide $9,066
Progressive $4,645
State Farm $4,512
Travelers $4,918
USAA $5,682

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Shelter Island, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Shelter Island, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,482 $4,607
GEICO $2,592 $2,749
Liberty Mutual $7,863 $8,332
Nationwide $5,276 $5,276
Progressive $4,302 $4,302
State Farm $4,148 $4,460
Travelers $4,541 $4,541
USAA $4,342 $4,431

The Best Cheap Car Insurance Companies in Shelter Island, NY

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

Average Annual Car Insurance Rates by Company in Shelter Island, New York

Insurance Company Average Annual Rates
Allstate $4,544
GEICO $2,671
Liberty Mutual $8,098
Nationwide $5,276
Progressive $4,302
State Farm $4,304
Travelers $4,541
USAA $4,387

Category Winners: Cheapest Car Insurance in Shelter Island, New York

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

Best Annual Car Insurance Rates by Company in Shelter Island, 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Shelter Island, NY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Shelter Island, New York

Insurance Company Low Medium High
Allstate $4,226 $4,523 $4,885
GEICO $2,492 $2,653 $2,867
Liberty Mutual $7,665 $8,075 $8,553
Nationwide $4,894 $5,222 $5,712
Progressive $4,041 $4,268 $4,597
State Farm $4,055 $4,330 $4,528
Travelers $4,267 $4,484 $4,871
USAA $4,224 $4,357 $4,579

Compare Car Insurance Quotes in Shelter Island, NY

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption