Compare Wading River, NY Car Insurance Rates (2021)

Car insurance in Wading River, NY averages $435 a month. Wading River, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Wading River car insurance rates, compare quotes from the top car insurance companies in Wading River, 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 Wading River, NY after a DUI are $7,014/year
  • The cheapest car insurance company in Wading River is GEICO
  • The cheapest car insurance company in Wading River for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Wading River, NY car insurance rates? Every Wading River, 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 Wading River, 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 $3,642 $3,345 $3,444 $3,461 $10,533 $11,148 $3,456 $3,409
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 $3,253 $2,939 $2,524 $2,591 $11,104 $12,109 $4,112 $3,861
State Farm $3,687 $3,687 $3,233 $3,233 $10,839 $13,325 $4,073 $4,291
Travelers $3,453 $3,489 $3,190 $3,419 $8,430 $10,188 $3,670 $3,826
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 Wading River, NY

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

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

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

Annual Car Insurance Rates by Credit Score in Wading River, New York

Insurance Company Poor Fair Good
Allstate $7,772 $4,404 $3,738
GEICO $3,347 $2,458 $2,206
Liberty Mutual $11,345 $7,408 $5,540
Nationwide $5,276 $5,276 $5,276
Progressive $8,628 $4,245 $3,062
State Farm $8,182 $5,132 $4,073
Travelers $6,891 $4,287 $3,697
USAA $6,717 $3,426 $3,016

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

Annual Wading River, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,492 $4,492 $6,567 $5,669
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 $5,154 $5,154 $5,746 $5,191
State Farm $5,508 $5,508 $6,084 $6,084
Travelers $4,208 $5,307 $5,386 $4,932
USAA $3,912 $3,976 $5,682 $3,976

Cheapest Wading River, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Wading River, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,533 $11,148
GEICO $4,160 $6,138
Liberty Mutual $11,845 $17,111
Nationwide $7,249 $10,911
Progressive $11,104 $12,109
State Farm $10,839 $13,325
Travelers $8,430 $10,188
USAA $9,224 $10,935

Cheapest Wading River, NY Car Insurance for Seniors

Take a look at Wading River, 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 Wading River, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,444 $3,461
GEICO $1,884 $1,856
Liberty Mutual $5,633 $5,633
Nationwide $3,662 $3,662
Progressive $2,524 $2,591
State Farm $3,233 $3,233
Travelers $3,190 $3,419
USAA $2,085 $2,091

Cheapest Wading River, NY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Wading River, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,567
GEICO $4,294
Liberty Mutual $13,289
Nationwide $9,066
Progressive $5,746
State Farm $6,084
Travelers $5,386
USAA $5,682

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Cheapest Wading River, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Wading River, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,230 $5,379
GEICO $2,592 $2,749
Liberty Mutual $7,863 $8,332
Nationwide $5,276 $5,276
Progressive $5,312 $5,312
State Farm $5,584 $6,008
Travelers $4,958 $4,958
USAA $4,342 $4,431

The Best Cheap Car Insurance Companies in Wading River, NY

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

Average Annual Car Insurance Rates by Company in Wading River, New York

Insurance Company Average Annual Rates
Allstate $5,305
GEICO $2,671
Liberty Mutual $8,098
Nationwide $5,276
Progressive $5,312
State Farm $5,796
Travelers $4,958
USAA $4,387

Category Winners: Cheapest Car Insurance in Wading River, New York

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

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

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

Annual Car Insurance Rates by Coverage Level in Wading River, New York

Insurance Company Low Medium High
Allstate $4,819 $5,273 $5,822
GEICO $2,492 $2,653 $2,867
Liberty Mutual $7,665 $8,075 $8,553
Nationwide $4,894 $5,222 $5,712
Progressive $4,957 $5,264 $5,714
State Farm $5,447 $5,835 $6,106
Travelers $4,638 $4,891 $5,346
USAA $4,224 $4,357 $4,579

What affects car insurance rates in Wading River, New York?

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

Commute Time in Wading River

The more time you spend in your car the higher the risk of an accident. The average commute length in Wading River, NY is 28.9 minutes according to City-Data.

Compare Car Insurance Quotes in Wading River, NY

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