Buy Cheap Bay Shore, NY Auto Insurance (2021)

Bay Shore, NY auto insurance rates average $507 a month. Minimum auto insurance requirements in Bay Shore, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Bay Shore, NY, compare Bay Shore auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Bay Shore, NY for teens drivers are $10,773/year
  • The most expensive auto insurance company in Bay Shore after a DUI is Liberty Mutual
  • Average auto insurance rates in Bay Shore, NY are $507/month

Finding affordable Bay Shore, New York auto insurance can be challenging, but everything you need to know to buy cheap Bay Shore, NY auto insurance with confidence is right here. Auto insurance rates in Bay Shore are affected by local factors as well as personal ones like your driving record.

See how Bay Shore, NY car insurance rates compare to Yonkers auto insurance rates, Schenectady auto insurance rates, and Utica auto insurance rates before you read more about the cost of auto insurance in Bay Shore.

Don’t buy Bay Shore, NY auto insurance until you’ve compared rates. Get free Bay Shore, New York auto insurance quotes when you enter your ZIP code above.

Bay Shore, NY Minimum Auto Insurance Requirements

The required auto insurance in Bay Shore, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in Bay Shore, New York is outlined here.

Minimum Required Auto Insurance Coverage in Bay Shore, 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

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Find Cheap Bay Shore, NY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Bay Shore, NY. Take a look at Bay Shore, New York auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Bay Shore, New York

Insurance Company Poor Fair Good
Allstate $11,221 $6,231 $5,223
GEICO $4,289 $3,150 $2,827
Liberty Mutual $11,955 $7,803 $5,832
Nationwide $5,770 $5,770 $5,770
Progressive $9,294 $4,501 $3,228
State Farm $8,891 $5,574 $4,424
Travelers $9,098 $5,535 $4,735
USAA $7,537 $3,851 $3,391

Buy Cheap Bay Shore, NY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Bay Shore, New York auto insurance rates? Find out how car insurance rates in Bay Shore, NY are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Bay Shore, 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 $5,057 $4,628 $4,843 $4,885 $15,401 $16,317 $4,715 $4,620
GEICO $2,480 $2,382 $2,405 $2,370 $5,347 $7,892 $2,227 $2,269
Liberty Mutual $6,368 $6,368 $5,931 $5,931 $12,483 $18,034 $6,368 $6,758
Nationwide $4,246 $4,246 $3,990 $3,990 $7,951 $11,985 $4,246 $5,511
Progressive $3,520 $3,167 $2,713 $2,787 $11,818 $12,839 $4,424 $4,128
State Farm $3,998 $3,998 $3,510 $3,510 $11,804 $14,483 $4,422 $4,646
Travelers $4,667 $4,558 $4,244 $4,453 $10,966 $12,923 $4,879 $4,961
USAA $2,555 $2,512 $2,329 $2,331 $10,414 $12,337 $3,288 $3,645

Buy Cheap Bay Shore, NY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Bay Shore can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Bay Shore, NY are listed here.

Annual Auto Insurance Rates for Teen Drivers in Bay Shore, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,401 $16,317
GEICO $5,347 $7,892
Liberty Mutual $12,483 $18,034
Nationwide $7,951 $11,985
Progressive $11,818 $12,839
State Farm $11,804 $14,483
Travelers $10,966 $12,923
USAA $10,414 $12,337

Buy Cheap Bay Shore, NY Auto Insurance for Seniors

You can save on senior auto insurance rates in Bay Shore, New York by comparing Bay Shore senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Bay Shore, NY here.

Annual Auto Insurance Rates for Senior Drivers in Bay Shore, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,843 $4,885
GEICO $2,405 $2,370
Liberty Mutual $5,931 $5,931
Nationwide $3,990 $3,990
Progressive $2,713 $2,787
State Farm $3,510 $3,510
Travelers $4,244 $4,453
USAA $2,329 $2,331

Find Cheap Auto Insurance Rates in Bay Shore, NY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Bay Shore, New York auto insurance. Compare Bay Shore, NY auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Bay Shore, New York

Insurance Company Low Medium High
Allstate $6,627 $7,500 $8,549
GEICO $3,200 $3,401 $3,664
Liberty Mutual $8,070 $8,505 $9,015
Nationwide $5,355 $5,713 $6,243
Progressive $5,310 $5,626 $6,088
State Farm $5,915 $6,339 $6,634
Travelers $6,072 $6,377 $6,920
USAA $4,742 $4,893 $5,144

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Find Cheap Bay Shore, NY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Bay Shore. Compare auto insurance rates in Bay Shore, NY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Bay Shore, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,450 $7,667
GEICO $3,322 $3,521
Liberty Mutual $8,283 $8,777
Nationwide $5,770 $5,770
Progressive $5,675 $5,675
State Farm $6,064 $6,529
Travelers $6,456 $6,456
USAA $4,876 $4,977

Find Cheap Bay Shore, NY Auto Insurance Rates by Driving Record

Auto insurance rates in Bay Shore, New York are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Bay Shore, NY, take a look at the average cost for various violations versus rates for a clean driving record in Bay Shore.

Annual Bay Shore, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,324 $6,324 $9,475 $8,111
GEICO $2,636 $2,875 $5,540 $2,636
Liberty Mutual $6,702 $6,702 $14,015 $6,702
Nationwide $4,346 $4,346 $9,941 $4,450
Progressive $5,505 $5,505 $6,143 $5,546
State Farm $5,980 $5,980 $6,613 $6,613
Travelers $5,443 $6,935 $7,031 $6,417
USAA $4,387 $4,459 $6,400 $4,459

Find Cheap Bay Shore, NY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Bay Shore, New York is higher than for a clean driving record. You can buy auto insurance after a DUI in Bay Shore for less when you shop around and compare rates from multiple Bay Shore, NY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Bay Shore, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $9,475
GEICO $5,540
Liberty Mutual $14,015
Nationwide $9,941
Progressive $6,143
State Farm $6,613
Travelers $7,031
USAA $6,400

Winners by Category: Where to Buy Cheap Auto Insurance in Bay Shore, NY

Compare rates from the cheapest auto insurance companies in Bay Shore, NY for your needs. Take a look at how Bay Shore, New York auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Bay Shore, New York

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

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Find Cheap Bay Shore, New York Auto Insurance Companies

If you’re looking for the cheapest Bay Shore, NY auto insurance companies overall, you can compare them here. Find the best price for Bay Shore, New York car insurance by company.

Average Annual Auto Insurance Rates by Company in Bay Shore, New York

Insurance Company Average Annual Rates
Allstate $7,558
GEICO $3,422
Liberty Mutual $8,530
Nationwide $5,770
Progressive $5,675
State Farm $6,296
Travelers $6,456
USAA $4,926

What affects Bay Shore, New York auto insurance rates?

Local factors affect auto insurance rates in Bay Shore, NY, including traffic, theft statistics, and commute length. Take a look at the things that impact Bay Shore auto insurance rates.

Commute Times in Bay Shore

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Bay Shore, NY is 36.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Bay Shore, NY

You can buy cheap Bay Shore, NY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Bay Shore, New York auto insurance quotes from top companies.

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