Compare Speculator, NY Car Insurance Rates (2021)

Car insurance in Speculator, NY averages $259 a month. Speculator, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Speculator car insurance rates, compare quotes from the top car insurance companies in Speculator, 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

  • The cheapest car insurance company in Speculator for teen drivers is GEICO
  • The cheapest car insurance company in Speculator is GEICO
  • Average car insurance rates in Speculator, NY after a DUI are $4,092/year

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

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

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

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

How do age, gender, and marital status affect Speculator, NY car insurance rates? Every Speculator, 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 Speculator, 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 $2,390 $2,267 $2,223 $2,260 $6,737 $7,224 $2,416 $2,455
GEICO $1,383 $1,333 $1,346 $1,326 $2,887 $4,213 $1,248 $1,285
Liberty Mutual $3,372 $3,372 $3,142 $3,142 $6,550 $10,619 $3,372 $3,582
Nationwide $1,958 $1,958 $1,852 $1,852 $3,416 $5,065 $1,958 $2,480
Progressive $1,663 $1,564 $1,340 $1,360 $5,623 $6,280 $2,155 $2,113
State Farm $2,113 $2,113 $1,836 $1,836 $6,109 $7,899 $2,316 $2,454
Travelers $2,400 $2,424 $2,191 $2,349 $5,537 $6,571 $2,547 $2,656
USAA $1,491 $1,463 $1,346 $1,345 $6,012 $7,189 $1,899 $2,090

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 Speculator, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,978 $2,946 $2,566
GEICO $2,352 $1,729 $1,551
Liberty Mutual $6,486 $4,253 $3,193
Nationwide $2,567 $2,567 $2,567
Progressive $4,354 $2,268 $1,665
State Farm $4,708 $2,952 $2,343
Travelers $4,581 $2,900 $2,523
USAA $4,423 $2,195 $1,945

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

Annual Speculator, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,988 $2,988 $4,286 $3,724
GEICO $1,482 $1,615 $2,931 $1,482
Liberty Mutual $3,723 $3,723 $7,405 $3,723
Nationwide $1,974 $1,974 $4,305 $2,018
Progressive $2,688 $2,688 $2,970 $2,703
State Farm $3,182 $3,182 $3,487 $3,487
Travelers $2,858 $3,556 $3,608 $3,316
USAA $2,530 $2,572 $3,744 $2,572

Cheapest Speculator, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,737 $7,224
GEICO $2,887 $4,213
Liberty Mutual $6,550 $10,619
Nationwide $3,416 $5,065
Progressive $5,623 $6,280
State Farm $6,109 $7,899
Travelers $5,537 $6,571
USAA $6,012 $7,189

Cheapest Speculator, NY Car Insurance for Seniors

Take a look at Speculator, 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 Speculator, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,223 $2,260
GEICO $1,346 $1,326
Liberty Mutual $3,142 $3,142
Nationwide $1,852 $1,852
Progressive $1,340 $1,360
State Farm $1,836 $1,836
Travelers $2,191 $2,349
USAA $1,346 $1,345

Cheapest Speculator, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,286
GEICO $2,931
Liberty Mutual $7,405
Nationwide $4,305
Progressive $2,970
State Farm $3,487
Travelers $3,608
USAA $3,744

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Speculator, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,450 $3,543
GEICO $1,822 $1,933
Liberty Mutual $4,514 $4,774
Nationwide $2,567 $2,567
Progressive $2,762 $2,762
State Farm $3,218 $3,451
Travelers $3,334 $3,334
USAA $2,826 $2,883

The Best Cheap Car Insurance Companies in Speculator, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,497
GEICO $1,878
Liberty Mutual $4,644
Nationwide $2,567
Progressive $2,762
State Farm $3,334
Travelers $3,334
USAA $2,854

Category Winners: Cheapest Car Insurance in Speculator, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $3,329 $3,487 $3,674
GEICO $1,785 $1,872 $1,976
Liberty Mutual $4,456 $4,628 $4,848
Nationwide $2,432 $2,549 $2,722
Progressive $2,633 $2,750 $2,904
State Farm $3,184 $3,351 $3,469
Travelers $3,174 $3,303 $3,527
USAA $2,786 $2,844 $2,933

What affects car insurance rates in Speculator, New York?

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

Commute Time in Speculator

The more time you spend in your car the higher the risk of an accident. The average commute length in Speculator, NY is 11.7 minutes according to City-Data.

Compare Car Insurance Quotes in Speculator, NY

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