Compare Spencer, NY Car Insurance Rates (2021)

Car insurance in Spencer, NY averages $251 a month. Spencer, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Spencer car insurance rates, compare quotes from the top car insurance companies in Spencer, 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

  • The cheapest car insurance company in Spencer is GEICO
  • The cheapest car insurance company in Spencer for teen drivers is GEICO
  • Average car insurance rates in Spencer, NY are $3,015/year

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

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

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

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

How do age, gender, and marital status affect Spencer, NY car insurance rates? Every Spencer, 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 Spencer, 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 $2,250 $2,125 $2,101 $2,130 $6,294 $6,734 $2,248 $2,270
GEICO $1,426 $1,374 $1,387 $1,367 $2,967 $4,318 $1,288 $1,324
Liberty Mutual $3,324 $3,324 $3,095 $3,095 $6,426 $10,422 $3,324 $3,533
Nationwide $1,983 $1,983 $1,874 $1,874 $3,454 $5,122 $1,983 $2,511
Progressive $1,557 $1,471 $1,266 $1,280 $5,098 $5,687 $2,001 $1,955
State Farm $1,884 $1,884 $1,641 $1,641 $5,537 $7,139 $2,071 $2,194
Travelers $2,367 $2,401 $2,161 $2,325 $5,472 $6,529 $2,515 $2,631
USAA $1,529 $1,503 $1,379 $1,382 $6,103 $7,296 $1,953 $2,154

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Minimum Car Insurance in Spencer, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,672 $2,750 $2,385
GEICO $2,420 $1,779 $1,596
Liberty Mutual $6,379 $4,183 $3,142
Nationwide $2,598 $2,598 $2,598
Progressive $4,006 $2,082 $1,529
State Farm $4,233 $2,655 $2,108
Travelers $4,533 $2,870 $2,498
USAA $4,512 $2,242 $1,983

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

Annual Spencer, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,798 $2,798 $4,000 $3,480
GEICO $1,527 $1,664 $3,007 $1,527
Liberty Mutual $3,674 $3,674 $7,251 $3,674
Nationwide $1,996 $1,996 $4,360 $2,041
Progressive $2,473 $2,473 $2,724 $2,487
State Farm $2,857 $2,857 $3,141 $3,141
Travelers $2,833 $3,517 $3,567 $3,283
USAA $2,589 $2,631 $3,799 $2,631

Cheapest Spencer, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,294 $6,734
GEICO $2,967 $4,318
Liberty Mutual $6,426 $10,422
Nationwide $3,454 $5,122
Progressive $5,098 $5,687
State Farm $5,537 $7,139
Travelers $5,472 $6,529
USAA $6,103 $7,296

Cheapest Spencer, NY Car Insurance for Seniors

Take a look at Spencer, 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 Spencer, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,101 $2,130
GEICO $1,387 $1,367
Liberty Mutual $3,095 $3,095
Nationwide $1,874 $1,874
Progressive $1,266 $1,280
State Farm $1,641 $1,641
Travelers $2,161 $2,325
USAA $1,379 $1,382

Cheapest Spencer, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,000
GEICO $3,007
Liberty Mutual $7,251
Nationwide $4,360
Progressive $2,724
State Farm $3,141
Travelers $3,567
USAA $3,799

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Cheapest Spencer, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,226 $3,312
GEICO $1,875 $1,988
Liberty Mutual $4,440 $4,696
Nationwide $2,598 $2,598
Progressive $2,539 $2,539
State Farm $2,895 $3,103
Travelers $3,300 $3,300
USAA $2,883 $2,941

The Best Cheap Car Insurance Companies in Spencer, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,269
GEICO $1,931
Liberty Mutual $4,568
Nationwide $2,598
Progressive $2,539
State Farm $2,999
Travelers $3,300
USAA $2,912

Category Winners: Cheapest Car Insurance in Spencer, New York

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

Best Annual Car Insurance Rates by Company in Spencer, New York

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

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Cheapest Spencer, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,086 $3,258 $3,463
GEICO $1,838 $1,926 $2,031
Liberty Mutual $4,396 $4,554 $4,754
Nationwide $2,461 $2,579 $2,754
Progressive $2,422 $2,528 $2,668
State Farm $2,860 $3,014 $3,123
Travelers $3,130 $3,266 $3,504
USAA $2,839 $2,901 $2,997

What affects car insurance rates in Spencer, New York?

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

Commute Time in Spencer

The more time you spend in your car the higher the risk of an accident. The average commute length in Spencer, NY is 31.5 minutes according to City-Data.

Compare Car Insurance Quotes in Spencer, NY

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

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