Compare South Lima, NY Car Insurance Rates (2021)

Car insurance in South Lima, NY averages $253 a month. South Lima, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap South Lima car insurance rates, compare quotes from the top car insurance companies in South Lima, 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 South Lima, NY are $3,032/year
  • The cheapest car insurance company in South Lima for teen drivers is GEICO
  • The cheapest car insurance company in South Lima is GEICO

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

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

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

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

How do age, gender, and marital status affect South Lima, NY car insurance rates? Every South Lima, 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 South Lima, 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 $2,371 $2,241 $2,202 $2,230 $6,529 $6,986 $2,386 $2,408
GEICO $1,267 $1,219 $1,230 $1,212 $2,592 $3,736 $1,145 $1,171
Liberty Mutual $3,013 $3,013 $2,805 $2,805 $5,784 $9,380 $3,013 $3,206
Nationwide $2,197 $2,197 $2,075 $2,075 $3,830 $5,702 $2,197 $2,790
Progressive $1,465 $1,373 $1,178 $1,198 $4,986 $5,556 $1,895 $1,853
State Farm $2,295 $2,295 $1,993 $1,993 $6,595 $8,520 $2,514 $2,654
Travelers $2,234 $2,249 $2,025 $2,169 $5,029 $5,954 $2,365 $2,457
USAA $1,598 $1,573 $1,437 $1,445 $6,303 $7,547 $2,047 $2,264

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Minimum Car Insurance in South Lima, NY

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

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

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

Annual Car Insurance Rates by Credit Score in South Lima, New York

Insurance Company Poor Fair Good
Allstate $4,875 $2,879 $2,504
GEICO $2,125 $1,563 $1,402
Liberty Mutual $5,758 $3,782 $2,844
Nationwide $2,883 $2,883 $2,883
Progressive $3,838 $2,003 $1,474
State Farm $5,094 $3,194 $2,534
Travelers $4,202 $2,660 $2,319
USAA $4,707 $2,323 $2,051

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

Annual South Lima, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,940 $2,940 $4,163 $3,633
GEICO $1,351 $1,471 $2,614 $1,351
Liberty Mutual $3,338 $3,338 $6,496 $3,338
Nationwide $2,204 $2,204 $4,869 $2,254
Progressive $2,372 $2,372 $2,623 $2,386
State Farm $3,443 $3,443 $3,772 $3,772
Travelers $2,634 $3,259 $3,303 $3,046
USAA $2,697 $2,740 $3,931 $2,740

Cheapest South Lima, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in South Lima, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,529 $6,986
GEICO $2,592 $3,736
Liberty Mutual $5,784 $9,380
Nationwide $3,830 $5,702
Progressive $4,986 $5,556
State Farm $6,595 $8,520
Travelers $5,029 $5,954
USAA $6,303 $7,547

Cheapest South Lima, NY Car Insurance for Seniors

Take a look at South Lima, 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 South Lima, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,202 $2,230
GEICO $1,230 $1,212
Liberty Mutual $2,805 $2,805
Nationwide $2,075 $2,075
Progressive $1,178 $1,198
State Farm $1,993 $1,993
Travelers $2,025 $2,169
USAA $1,437 $1,445

Cheapest South Lima, NY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in South Lima, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,163
GEICO $2,614
Liberty Mutual $6,496
Nationwide $4,869
Progressive $2,623
State Farm $3,772
Travelers $3,303
USAA $3,931

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Cheapest South Lima, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in South Lima, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,373 $3,465
GEICO $1,648 $1,746
Liberty Mutual $4,012 $4,243
Nationwide $2,883 $2,883
Progressive $2,438 $2,438
State Farm $3,480 $3,735
Travelers $3,060 $3,060
USAA $2,997 $3,057

The Best Cheap Car Insurance Companies in South Lima, NY

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

Average Annual Car Insurance Rates by Company in South Lima, New York

Insurance Company Average Annual Rates
Allstate $3,419
GEICO $1,697
Liberty Mutual $4,128
Nationwide $2,883
Progressive $2,438
State Farm $3,607
Travelers $3,060
USAA $3,027

Category Winners: Cheapest Car Insurance in South Lima, New York

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

Best Annual Car Insurance Rates by Company in South Lima, New York

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

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Cheapest South Lima, NY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in South Lima, New York

Insurance Company Low Medium High
Allstate $3,236 $3,408 $3,613
GEICO $1,614 $1,692 $1,784
Liberty Mutual $3,976 $4,114 $4,292
Nationwide $2,726 $2,861 $3,062
Progressive $2,316 $2,425 $2,573
State Farm $3,443 $3,626 $3,753
Travelers $2,912 $3,032 $3,237
USAA $2,952 $3,015 $3,115

What affects car insurance rates in South Lima, New York?

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

Commute Time in South Lima

The more time you spend in your car the higher the risk of an accident. The average commute length in South Lima, NY is 27.7 minutes according to City-Data.

Compare Car Insurance Quotes in South Lima, NY

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