Compare Shirley, NY Car Insurance Rates (2021)

Car insurance in Shirley, NY averages $449 a month. Shirley, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Shirley car insurance rates, compare quotes from the top car insurance companies in Shirley, 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 Shirley, NY after a DUI are $7,238/year
  • Average car insurance rates in Shirley, NY are $5,394/year
  • The cheapest car insurance company in Shirley is GEICO

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

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

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

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

How do age, gender, and marital status affect Shirley, NY car insurance rates? Every Shirley, 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 Shirley, 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 $3,642 $3,345 $3,444 $3,461 $10,533 $11,148 $3,456 $3,409
GEICO $2,327 $2,237 $2,259 $2,226 $5,020 $7,421 $2,090 $2,136
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 $3,253 $2,939 $2,524 $2,591 $11,104 $12,109 $4,112 $3,861
State Farm $3,684 $3,684 $3,233 $3,233 $10,800 $13,239 $4,072 $4,266
Travelers $4,163 $4,077 $3,796 $3,988 $9,818 $11,631 $4,356 $4,434
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 Shirley, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $7,772 $4,404 $3,738
GEICO $4,029 $2,959 $2,656
Liberty Mutual $11,345 $7,408 $5,540
Nationwide $5,276 $5,276 $5,276
Progressive $8,628 $4,245 $3,062
State Farm $8,155 $5,115 $4,060
Travelers $8,145 $4,959 $4,244
USAA $6,717 $3,426 $3,016

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

Annual Shirley, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,492 $4,492 $6,567 $5,669
GEICO $2,479 $2,705 $5,195 $2,479
Liberty Mutual $6,367 $6,367 $13,289 $6,367
Nationwide $3,981 $3,981 $9,066 $4,076
Progressive $5,154 $5,154 $5,746 $5,191
State Farm $5,488 $5,488 $6,065 $6,065
Travelers $4,879 $6,209 $6,293 $5,749
USAA $3,912 $3,976 $5,682 $3,976

Cheapest Shirley, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,533 $11,148
GEICO $5,020 $7,421
Liberty Mutual $11,845 $17,111
Nationwide $7,249 $10,911
Progressive $11,104 $12,109
State Farm $10,800 $13,239
Travelers $9,818 $11,631
USAA $9,224 $10,935

Cheapest Shirley, NY Car Insurance for Seniors

Take a look at Shirley, 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 Shirley, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,444 $3,461
GEICO $2,259 $2,226
Liberty Mutual $5,633 $5,633
Nationwide $3,662 $3,662
Progressive $2,524 $2,591
State Farm $3,233 $3,233
Travelers $3,796 $3,988
USAA $2,085 $2,091

Cheapest Shirley, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,567
GEICO $5,195
Liberty Mutual $13,289
Nationwide $9,066
Progressive $5,746
State Farm $6,065
Travelers $6,293
USAA $5,682

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Cheapest Shirley, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,230 $5,379
GEICO $3,120 $3,309
Liberty Mutual $7,863 $8,332
Nationwide $5,276 $5,276
Progressive $5,312 $5,312
State Farm $5,561 $5,992
Travelers $5,783 $5,783
USAA $4,342 $4,431

The Best Cheap Car Insurance Companies in Shirley, NY

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

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

Insurance Company Average Annual Rates
Allstate $5,305
GEICO $3,215
Liberty Mutual $8,098
Nationwide $5,276
Progressive $5,312
State Farm $5,777
Travelers $5,783
USAA $4,387

Category Winners: Cheapest Car Insurance in Shirley, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $4,819 $5,273 $5,822
GEICO $3,001 $3,194 $3,448
Liberty Mutual $7,665 $8,075 $8,553
Nationwide $4,894 $5,222 $5,712
Progressive $4,957 $5,264 $5,714
State Farm $5,425 $5,816 $6,089
Travelers $5,416 $5,708 $6,224
USAA $4,224 $4,357 $4,579

What affects car insurance rates in Shirley, New York?

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

Commute Time in Shirley

The more time you spend in your car the higher the risk of an accident. The average commute length in Shirley, NY is 33.6 minutes according to City-Data.

Compare Car Insurance Quotes in Shirley, NY

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

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