Compare Waterloo, NY Car Insurance Rates (2021)

Car insurance in Waterloo, NY averages $248 a month. Waterloo, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Waterloo car insurance rates, compare quotes from the top car insurance companies in Waterloo, 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 Waterloo for teen drivers is GEICO
  • Average car insurance rates in Waterloo, NY are $2,973/year
  • Average car insurance rates in Waterloo, NY after a DUI are $3,890/year

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

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

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

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

How do age, gender, and marital status affect Waterloo, NY car insurance rates? Every Waterloo, 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 Waterloo, 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 $2,270 $2,143 $2,120 $2,150 $6,381 $6,836 $2,266 $2,287
GEICO $1,142 $1,101 $1,112 $1,096 $2,373 $3,457 $1,030 $1,058
Liberty Mutual $3,126 $3,126 $2,913 $2,913 $6,046 $9,796 $3,126 $3,320
Nationwide $1,988 $1,988 $1,880 $1,880 $3,472 $5,150 $1,988 $2,519
Progressive $1,584 $1,488 $1,278 $1,294 $5,361 $5,986 $2,051 $2,006
State Farm $2,360 $2,360 $2,053 $2,053 $6,825 $8,783 $2,590 $2,721
Travelers $2,189 $2,213 $1,991 $2,138 $4,957 $5,892 $2,321 $2,419
USAA $1,407 $1,383 $1,273 $1,277 $5,556 $6,624 $1,796 $1,982

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Minimum Car Insurance in Waterloo, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,724 $2,782 $2,414
GEICO $1,937 $1,424 $1,278
Liberty Mutual $5,994 $3,935 $2,957
Nationwide $2,608 $2,608 $2,608
Progressive $4,143 $2,161 $1,589
State Farm $5,251 $3,292 $2,612
Travelers $4,136 $2,623 $2,286
USAA $4,102 $2,062 $1,823

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

Annual Waterloo, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,828 $2,828 $4,050 $3,521
GEICO $1,222 $1,331 $2,410 $1,222
Liberty Mutual $3,448 $3,448 $6,837 $3,448
Nationwide $2,004 $2,004 $4,377 $2,048
Progressive $2,560 $2,560 $2,828 $2,575
State Farm $3,545 $3,545 $3,891 $3,891
Travelers $2,596 $3,210 $3,254 $3,001
USAA $2,368 $2,406 $3,469 $2,406

Cheapest Waterloo, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,381 $6,836
GEICO $2,373 $3,457
Liberty Mutual $6,046 $9,796
Nationwide $3,472 $5,150
Progressive $5,361 $5,986
State Farm $6,825 $8,783
Travelers $4,957 $5,892
USAA $5,556 $6,624

Cheapest Waterloo, NY Car Insurance for Seniors

Take a look at Waterloo, 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 Waterloo, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,120 $2,150
GEICO $1,112 $1,096
Liberty Mutual $2,913 $2,913
Nationwide $1,880 $1,880
Progressive $1,278 $1,294
State Farm $2,053 $2,053
Travelers $1,991 $2,138
USAA $1,273 $1,277

Cheapest Waterloo, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,050
GEICO $2,410
Liberty Mutual $6,837
Nationwide $4,377
Progressive $2,828
State Farm $3,891
Travelers $3,254
USAA $3,469

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Cheapest Waterloo, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,263 $3,351
GEICO $1,501 $1,591
Liberty Mutual $4,176 $4,415
Nationwide $2,608 $2,608
Progressive $2,631 $2,631
State Farm $3,584 $3,852
Travelers $3,015 $3,015
USAA $2,636 $2,689

The Best Cheap Car Insurance Companies in Waterloo, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,307
GEICO $1,546
Liberty Mutual $4,295
Nationwide $2,608
Progressive $2,631
State Farm $3,718
Travelers $3,015
USAA $2,662

Category Winners: Cheapest Car Insurance in Waterloo, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $3,123 $3,296 $3,501
GEICO $1,461 $1,541 $1,636
Liberty Mutual $4,105 $4,280 $4,502
Nationwide $2,466 $2,588 $2,770
Progressive $2,513 $2,621 $2,758
State Farm $3,545 $3,738 $3,871
Travelers $2,861 $2,986 $3,197
USAA $2,588 $2,650 $2,748

What affects car insurance rates in Waterloo, New York?

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

Commute Time in Waterloo

The more time you spend in your car the higher the risk of an accident. The average commute length in Waterloo, NY is 20.7 minutes according to City-Data.

Compare Car Insurance Quotes in Waterloo, NY

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