Buy Cheap Binghamton, NY Auto Insurance (2021)

Binghamton, NY auto insurance rates average $244 a month. Minimum auto insurance requirements in Binghamton, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Binghamton, NY, compare Binghamton 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 Binghamton, NY after a DUI are $3,856/year
  • The most expensive auto insurance company in Binghamton is Liberty Mutual
  • Average auto insurance rates in Binghamton, NY are $244/month

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

See how Binghamton, NY car insurance rates compare to New York auto insurance rates, Utica auto insurance rates, and Buffalo auto insurance rates before you read more about the cost of auto insurance in Binghamton.

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

Binghamton, NY Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Binghamton, 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 Binghamton, NY Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Binghamton, New York

Insurance Company Poor Fair Good
Allstate $4,672 $2,750 $2,385
GEICO $2,510 $1,844 $1,655
Liberty Mutual $5,421 $3,563 $2,682
Nationwide $2,657 $2,657 $2,657
Progressive $4,101 $2,125 $1,559
State Farm $4,269 $2,678 $2,126
Travelers $4,565 $2,908 $2,538
USAA $4,033 $2,033 $1,800

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Binghamton, 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 $2,250 $2,125 $2,101 $2,130 $6,294 $6,734 $2,248 $2,270
GEICO $1,454 $1,403 $1,418 $1,398 $3,104 $4,584 $1,309 $1,352
Liberty Mutual $2,831 $2,831 $2,640 $2,640 $5,476 $8,856 $2,831 $3,003
Nationwide $2,011 $2,011 $1,901 $1,901 $3,570 $5,296 $2,011 $2,555
Progressive $1,558 $1,454 $1,244 $1,266 $5,324 $5,928 $2,017 $1,970
State Farm $1,894 $1,894 $1,652 $1,652 $5,595 $7,212 $2,083 $2,209
Travelers $2,408 $2,442 $2,193 $2,360 $5,514 $6,536 $2,563 $2,681
USAA $1,380 $1,355 $1,251 $1,252 $5,495 $6,548 $1,758 $1,937

Buy Cheap Binghamton, NY Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Binghamton, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,294 $6,734
GEICO $3,104 $4,584
Liberty Mutual $5,476 $8,856
Nationwide $3,570 $5,296
Progressive $5,324 $5,928
State Farm $5,595 $7,212
Travelers $5,514 $6,536
USAA $5,495 $6,548

Buy Cheap Binghamton, NY Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Binghamton, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,101 $2,130
GEICO $1,418 $1,398
Liberty Mutual $2,640 $2,640
Nationwide $1,901 $1,901
Progressive $1,244 $1,266
State Farm $1,652 $1,652
Travelers $2,193 $2,360
USAA $1,251 $1,252

Find Cheap Auto Insurance Rates in Binghamton, NY by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Binghamton, New York

Insurance Company Low Medium High
Allstate $3,086 $3,258 $3,463
GEICO $1,905 $2,000 $2,104
Liberty Mutual $3,714 $3,875 $4,078
Nationwide $2,521 $2,640 $2,811
Progressive $2,473 $2,583 $2,729
State Farm $2,880 $3,040 $3,153
Travelers $3,188 $3,311 $3,512
USAA $2,551 $2,611 $2,704

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Find Cheap Binghamton, NY Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Binghamton, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,226 $3,312
GEICO $1,943 $2,062
Liberty Mutual $3,781 $3,996
Nationwide $2,657 $2,657
Progressive $2,595 $2,595
State Farm $2,919 $3,129
Travelers $3,337 $3,337
USAA $2,596 $2,648

Find Cheap Binghamton, NY Auto Insurance Rates by ZIP Code

Auto insurance rates in Binghamton, New York can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Binghamton, NY to see how much where you live in Binghamton affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Binghamton, New York

ZIP Code Average Annual Rates
13901 $2,962
13903 $2,986
13904 $2,984
13905 $2,985

Find Cheap Binghamton, NY Auto Insurance Rates by Driving Record

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

Annual Binghamton, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,798 $2,798 $4,000 $3,480
GEICO $1,563 $1,704 $3,181 $1,563
Liberty Mutual $3,113 $3,113 $6,216 $3,113
Nationwide $2,042 $2,042 $4,458 $2,087
Progressive $2,523 $2,523 $2,795 $2,539
State Farm $2,880 $2,880 $3,168 $3,168
Travelers $2,868 $3,554 $3,606 $3,319
USAA $2,329 $2,367 $3,424 $2,367

Find Cheap Binghamton, NY Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Binghamton, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,000
GEICO $3,181
Liberty Mutual $6,216
Nationwide $4,458
Progressive $2,795
State Farm $3,168
Travelers $3,606
USAA $3,424

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

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

Best Annual Auto Insurance Rates by Company in Binghamton, 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

Find Cheap Binghamton, New York Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Binghamton, New York

Insurance Company Average Annual Rates
Allstate $3,269
GEICO $2,003
Liberty Mutual $3,889
Nationwide $2,657
Progressive $2,595
State Farm $3,024
Travelers $3,337
USAA $2,622

What affects Binghamton, New York auto insurance rates?

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

Commute Times in Binghamton

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Binghamton, NY is 12.4 minutes according to City-Data.

Traffic in Binghamton

How is traffic in Binghamton, New York? Inrix data shows that Binghamton, NY traffic makes it the 831st-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Binghamton, NY

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

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