Compare Theresa, NY Car Insurance Rates (2021)

Car insurance in Theresa, NY averages $245 a month. Theresa, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Theresa car insurance rates, compare quotes from the top car insurance companies in Theresa, 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 Theresa, NY after a DUI are $3,875/year
  • The cheapest car insurance company in Theresa for teen drivers is GEICO
  • Average car insurance rates in Theresa, NY are $2,937/year

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

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

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

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

How do age, gender, and marital status affect Theresa, NY car insurance rates? Every Theresa, 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 Theresa, 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 $1,407 $1,356 $1,370 $1,350 $2,965 $4,347 $1,268 $1,306
Liberty Mutual $3,214 $3,214 $2,995 $2,995 $6,229 $10,094 $3,214 $3,413
Nationwide $1,948 $1,948 $1,842 $1,842 $3,400 $5,040 $1,948 $2,467
Progressive $1,486 $1,400 $1,202 $1,219 $4,977 $5,556 $1,920 $1,882
State Farm $1,890 $1,890 $1,644 $1,644 $5,529 $7,159 $2,073 $2,206
Travelers $2,511 $2,528 $2,285 $2,448 $5,769 $6,809 $2,665 $2,775
USAA $1,142 $1,120 $1,040 $1,037 $4,548 $5,410 $1,444 $1,585

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Minimum Car Insurance in Theresa, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,978 $2,946 $2,566
GEICO $2,407 $1,769 $1,587
Liberty Mutual $6,171 $4,049 $3,042
Nationwide $2,555 $2,555 $2,555
Progressive $3,862 $2,018 $1,485
State Farm $4,241 $2,660 $2,112
Travelers $4,762 $3,025 $2,635
USAA $3,314 $1,686 $1,497

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

Annual Theresa, 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 $1,509 $1,644 $3,023 $1,509
Liberty Mutual $3,548 $3,548 $7,041 $3,548
Nationwide $1,964 $1,964 $4,282 $2,008
Progressive $2,390 $2,390 $2,638 $2,404
State Farm $2,865 $2,865 $3,144 $3,144
Travelers $2,975 $3,706 $3,760 $3,454
USAA $1,923 $1,954 $2,831 $1,954

Cheapest Theresa, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,737 $7,224
GEICO $2,965 $4,347
Liberty Mutual $6,229 $10,094
Nationwide $3,400 $5,040
Progressive $4,977 $5,556
State Farm $5,529 $7,159
Travelers $5,769 $6,809
USAA $4,548 $5,410

Cheapest Theresa, NY Car Insurance for Seniors

Take a look at Theresa, 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 Theresa, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,223 $2,260
GEICO $1,370 $1,350
Liberty Mutual $2,995 $2,995
Nationwide $1,842 $1,842
Progressive $1,202 $1,219
State Farm $1,644 $1,644
Travelers $2,285 $2,448
USAA $1,040 $1,037

Cheapest Theresa, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,286
GEICO $3,023
Liberty Mutual $7,041
Nationwide $4,282
Progressive $2,638
State Farm $3,144
Travelers $3,760
USAA $2,831

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Cheapest Theresa, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,450 $3,543
GEICO $1,864 $1,978
Liberty Mutual $4,298 $4,544
Nationwide $2,555 $2,555
Progressive $2,455 $2,455
State Farm $2,901 $3,108
Travelers $3,474 $3,474
USAA $2,144 $2,187

The Best Cheap Car Insurance Companies in Theresa, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,497
GEICO $1,921
Liberty Mutual $4,421
Nationwide $2,555
Progressive $2,455
State Farm $3,004
Travelers $3,474
USAA $2,166

Category Winners: Cheapest Car Insurance in Theresa, New York

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

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

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

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Cheapest Theresa, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,329 $3,487 $3,674
GEICO $1,819 $1,914 $2,030
Liberty Mutual $4,235 $4,406 $4,622
Nationwide $2,410 $2,534 $2,720
Progressive $2,337 $2,443 $2,585
State Farm $2,855 $3,021 $3,137
Travelers $3,327 $3,448 $3,647
USAA $2,107 $2,156 $2,234

What affects car insurance rates in Theresa, New York?

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

Commute Time in Theresa

The more time you spend in your car the higher the risk of an accident. The average commute length in Theresa, NY is 27.2 minutes according to City-Data.

Compare Car Insurance Quotes in Theresa, NY

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

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