Compare Amenia, NY Car Insurance Rates [2024]
Car insurance in Amenia, NY averages $359 a month. Amenia, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Amenia car insurance rates, compare quotes from the top car insurance companies in Amenia, NY.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Dec 20, 2023
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.
UPDATED: Dec 20, 2023
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.
On This Page
- Average car insurance rates in Amenia, NY are $4,304/year
- The cheapest car insurance company in Amenia for teen drivers is Geico
- Average car insurance rates in Amenia, NY after a DUI are $5,746/year
If you need to buy Amenia, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Amenia, NY is right here.
You’ll find Amenia car insurance rates, the cheapest Amenia, NY car insurance companies, and information on New York car insurance laws. You can also compare Amenia, New York car insurance rates to Albany car insurance rates, Yonkers car insurance rates, and Utica car insurance rates.
Ready to find affordable Amenia, NY car insurance today? Enter your ZIP code for fast, free Amenia car insurance quotes.
Cheapest Amenia, NY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Amenia, NY car insurance rates? Every Amenia, New York car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $3,274 | $3,067 | $3,076 | $3,123 | $9,699 | $10,394 | $3,219 | $3,246 |
| Geico | $1,731 | $1,666 | $1,683 | $1,659 | $3,685 | $5,423 | $1,559 | $1,602 |
| Liberty Mutual | $4,872 | $4,872 | $4,534 | $4,534 | $9,508 | $15,455 | $4,872 | $5,180 |
| Nationwide | $3,057 | $3,057 | $2,878 | $2,878 | $5,552 | $8,338 | $3,057 | $3,936 |
| Progressive | $2,345 | $2,185 | $1,867 | $1,898 | $7,727 | $8,557 | $3,002 | $2,899 |
| State Farm | $2,886 | $2,886 | $2,516 | $2,516 | $8,440 | $10,854 | $3,172 | $3,340 |
| Travelers | $3,117 | $3,100 | $2,835 | $3,011 | $7,229 | $8,552 | $3,284 | $3,385 |
| USAA | $1,900 | $1,867 | $1,719 | $1,723 | $7,666 | $9,135 | $2,437 | $2,695 |
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Minimum Car Insurance in Amenia, NY
Every driver must carry the minimum car insurance required by the state in Amenia, NY. Take a look at the New York car insurance requirements.
| 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 Amenia, NY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Amenia, NY. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Amenia from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,037 | $4,096 | $3,528 |
| Geico | $2,977 | $2,187 | $1,963 |
| Liberty Mutual | $9,426 | $6,156 | $4,604 |
| Nationwide | $4,094 | $4,094 | $4,094 |
| Progressive | $6,115 | $3,082 | $2,233 |
| State Farm | $6,461 | $4,052 | $3,216 |
| Travelers | $5,998 | $3,726 | $3,217 |
| USAA | $5,624 | $2,818 | $2,486 |
Cheapest Amenia, NY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Amenia, NY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,123 | $4,123 | $6,073 | $5,229 |
| Geico | $1,853 | $2,021 | $3,777 | $1,853 |
| Liberty Mutual | $5,377 | $5,377 | $10,782 | $5,377 |
| Nationwide | $3,097 | $3,097 | $7,011 | $3,171 |
| Progressive | $3,705 | $3,705 | $4,103 | $3,728 |
| State Farm | $4,360 | $4,360 | $4,793 | $4,793 |
| Travelers | $3,672 | $4,615 | $4,679 | $4,290 |
| USAA | $3,239 | $3,291 | $4,750 | $3,291 |
Cheapest Amenia, NY Car Insurance for Teen Drivers
Teen car insurance in Amenia, NY can be expensive. Take a look at rates from the top car insurance companies in Amenia for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,699 | $10,394 |
| Geico | $3,685 | $5,423 |
| Liberty Mutual | $9,508 | $15,455 |
| Nationwide | $5,552 | $8,338 |
| Progressive | $7,727 | $8,557 |
| State Farm | $8,440 | $10,854 |
| Travelers | $7,229 | $8,552 |
| USAA | $7,666 | $9,135 |
Cheapest Amenia, NY Car Insurance for Seniors
Take a look at Amenia, NY rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,076 | $3,123 |
| Geico | $1,683 | $1,659 |
| Liberty Mutual | $4,534 | $4,534 |
| Nationwide | $2,878 | $2,878 |
| Progressive | $1,867 | $1,898 |
| State Farm | $2,516 | $2,516 |
| Travelers | $2,835 | $3,011 |
| USAA | $1,719 | $1,723 |
Cheapest Amenia, NY Car Insurance Rates After a DUI
A DUI in Amenia, NY increases car insurance rates. Compare Amenia, New York car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,073 |
| Geico | $3,777 |
| Liberty Mutual | $10,782 |
| Nationwide | $7,011 |
| Progressive | $4,103 |
| State Farm | $4,793 |
| Travelers | $4,679 |
| USAA | $4,750 |
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Cheapest Amenia, NY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Amenia, NY by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,819 | $4,955 |
| Geico | $2,306 | $2,446 |
| Liberty Mutual | $6,539 | $6,918 |
| Nationwide | $4,094 | $4,094 |
| Progressive | $3,810 | $3,810 |
| State Farm | $4,413 | $4,740 |
| Travelers | $4,314 | $4,314 |
| USAA | $3,606 | $3,679 |
The Best Cheap Car Insurance Companies in Amenia, NY
Take a look at a side-by-side comparison of the top car insurance companies in Amenia, NY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,887 |
| Geico | $2,376 |
| Liberty Mutual | $6,729 |
| Nationwide | $4,094 |
| Progressive | $3,810 |
| State Farm | $4,577 |
| Travelers | $4,314 |
| USAA | $3,643 |
Category Winners: Cheapest Car Insurance in Amenia, New York
Find the cheapest car insurance companies in Amenia, NY for each category right here.
| 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 Amenia, NY Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Amenia car insurance rates. Find the cheapest Amenia, NY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,578 | $4,866 | $5,217 |
| Geico | $2,243 | $2,367 | $2,518 |
| Liberty Mutual | $6,415 | $6,707 | $7,064 |
| Nationwide | $3,868 | $4,064 | $4,350 |
| Progressive | $3,623 | $3,788 | $4,019 |
| State Farm | $4,351 | $4,601 | $4,778 |
| Travelers | $4,082 | $4,268 | $4,592 |
| USAA | $3,532 | $3,624 | $3,772 |
What affects car insurance rates in Amenia, New York?
What are the factors that affect car insurance rates in Amenia, NY? There are several reasons why Amenia car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Amenia, New York.
Commute Time in Amenia
The more time you spend in your car the higher the risk of an accident. The average commute length in Amenia, NY is 14.0 minutes according to City-Data.
Compare Car Insurance Quotes in Amenia, NY
Ready to find affordable Amenia, New York car insurance today? Enter your ZIP code for fast, free Amenia, NY car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance options in Amenia, NY?
To compare car insurance options in Amenia, NY, you can follow these steps:
- Assess your coverage needs: Determine the types and levels of coverage required for your vehicle based on factors like the age of your car, your driving habits, and your budget.
- Obtain multiple quotes: Collect quotes from different insurance providers in Amenia, NY. You can reach out to insurance agents directly or use online comparison tools.
- Compare coverage and premiums: Evaluate the coverage options and premiums offered by each insurer. Consider factors such as deductibles, limits, and any additional features or benefits.
- Consider additional factors: Take into account customer reviews, the financial stability of the insurance company, available discounts, and the quality of customer service.
- Make an informed decision: Choose the car insurance policy that best suits your needs and budget.
What factors should I consider when comparing car insurance in Amenia, NY?
When comparing car insurance in Amenia, NY, consider the following factors:
- Coverage options: Evaluate the types of coverage available, such as liability, collision, comprehensive, uninsured/underinsured motorist coverage, and personal injury protection.
- Premiums: Compare the premiums quoted by different insurers for similar coverage. Be sure to consider any discounts or incentives that may apply.
- Deductibles: Consider the deductible amounts and how they impact your premiums. Higher deductibles typically result in lower premiums but require more out-of-pocket expenses in the event of a claim.
- Discounts: Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features installed in your vehicle.
- Customer reviews and reputation: Read reviews and ratings from other policyholders to gauge the customer service and claims handling of the insurance companies.
- Financial stability: Check the financial ratings of insurance companies from reputable sources to ensure they are financially stable and capable of fulfilling claims.
Are there any specific car insurance requirements in Amenia, NY?
Yes, New York state has specific car insurance requirements that apply to Amenia as well. Drivers in New York must carry the following minimum coverage:
- Liability Insurance: Minimum limits of 25/50/10, which means $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $10,000 for property damage liability per accident.
Can I get discounts on car insurance in Amenia, NY?
Yes, many car insurance providers offer various discounts that can help lower your premiums in Amenia, NY. Some common discounts include:
- Good driver discount: Offered to drivers with a clean driving record and no at-fault accidents.
- Multi-policy discount: Available when you bundle multiple insurance policies, such as auto and home insurance, with the same provider.
- Good student discount: Offered to students who maintain good grades.
- Safety feature discount: Provided for vehicles equipped with anti-theft devices, airbags, or other safety features.
- Low mileage discount: Offered to drivers who don’t drive their vehicles frequently.
How can I lower my car insurance premiums in Amenia, NY?
To lower your car insurance premiums in Amenia, NY, consider the following:
- Shop around: Obtain quotes from multiple insurance providers to find the most competitive rates.
- Increase deductibles: Opting for a higher deductible can lower your premiums, but be sure you can afford to pay the deductible in the event of a claim.
- Maintain a good driving record: Avoid accidents and traffic violations to keep your premiums lower.
- Take advantage of discounts: Inquire about discounts available based on your circumstances, such as good driver discounts or multi-policy discounts.
- Consider bundling: If you have multiple insurance needs, consider bundling your car insurance with other policies, such as home insurance, to potentially receive a discount
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.