Compare Southold, NY Car Insurance Rates (2021)

Car insurance in Southold, NY averages $397 a month. Southold, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Southold car insurance rates, compare quotes from the top car insurance companies in Southold, 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 Southold, NY after a DUI are $6,508/year
  • The cheapest car insurance company in Southold for teen drivers is GEICO
  • The cheapest car insurance company in Southold is GEICO

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

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

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

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

How do age, gender, and marital status affect Southold, NY car insurance rates? Every Southold, 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 Southold, 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 $2,764 $2,764 $2,419 $2,419 $8,004 $9,851 $3,045 $3,212
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

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Minimum Car Insurance in Southold, NY

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

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

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

Annual Car Insurance Rates by Credit Score in Southold, 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 $6,079 $3,817 $3,032
Travelers $6,308 $3,925 $3,389
USAA $6,717 $3,426 $3,016

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

Annual Southold, 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 $4,101 $4,101 $4,518 $4,518
Travelers $3,879 $4,850 $4,918 $4,517
USAA $3,912 $3,976 $5,682 $3,976

Cheapest Southold, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Southold, 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 $8,004 $9,851
Travelers $7,594 $9,079
USAA $9,224 $10,935

Cheapest Southold, NY Car Insurance for Seniors

Take a look at Southold, 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 Southold, 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 $2,419 $2,419
Travelers $2,965 $3,173
USAA $2,085 $2,091

Cheapest Southold, NY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Southold, 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 $4,518
Travelers $4,918
USAA $5,682

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Cheapest Southold, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Southold, 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 $4,153 $4,466
Travelers $4,541 $4,541
USAA $4,342 $4,431

The Best Cheap Car Insurance Companies in Southold, NY

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

Average Annual Car Insurance Rates by Company in Southold, 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 $4,310
Travelers $4,541
USAA $4,387

Category Winners: Cheapest Car Insurance in Southold, New York

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

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

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

Annual Car Insurance Rates by Coverage Level in Southold, 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 $4,060 $4,335 $4,533
Travelers $4,267 $4,484 $4,871
USAA $4,224 $4,357 $4,579

What affects car insurance rates in Southold, New York?

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

Commute Time in Southold

The more time you spend in your car the higher the risk of an accident. The average commute length in Southold, NY is 29.2 minutes according to City-Data.

Compare Car Insurance Quotes in Southold, NY

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

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