Buy Cheap Brightwaters, NY Auto Insurance (2021)

Brightwaters, NY auto insurance rates average $492 a month. Minimum auto insurance requirements in Brightwaters, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Brightwaters, NY, compare Brightwaters 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

  • The most expensive auto insurance company in Brightwaters is Liberty Mutual
  • Average auto insurance rates in Brightwaters, NY for teens drivers are $10,397/year
  • Average auto insurance rates in Brightwaters, NY after a DUI are $7,941/year

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

See how Brightwaters, NY car insurance rates compare to Syracuse auto insurance rates, Rochester auto insurance rates, and Utica auto insurance rates before you read more about the cost of auto insurance in Brightwaters.

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

Brightwaters, NY Minimum Auto Insurance Requirements

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

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

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

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

Insurance Company Poor Fair Good
Allstate $8,825 $5,040 $4,289
GEICO $4,592 $3,372 $3,026
Liberty Mutual $11,955 $7,803 $5,832
Nationwide $5,770 $5,770 $5,770
Progressive $9,294 $4,501 $3,228
State Farm $8,739 $5,480 $4,349
Travelers $9,098 $5,535 $4,735
USAA $7,537 $3,851 $3,391

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Brightwaters, 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 $4,041 $3,729 $3,830 $3,869 $12,221 $13,053 $3,847 $3,821
GEICO $2,651 $2,547 $2,572 $2,534 $5,727 $8,466 $2,381 $2,429
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 $3,934 $3,934 $3,453 $3,453 $11,596 $14,225 $4,351 $4,568
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 Brightwaters, NY Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,221 $13,053
GEICO $5,727 $8,466
Liberty Mutual $12,483 $18,034
Nationwide $7,951 $11,985
Progressive $11,818 $12,839
State Farm $11,596 $14,225
Travelers $10,966 $12,923
USAA $10,414 $12,337

Buy Cheap Brightwaters, NY Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,830 $3,869
GEICO $2,572 $2,534
Liberty Mutual $5,931 $5,931
Nationwide $3,990 $3,990
Progressive $2,713 $2,787
State Farm $3,453 $3,453
Travelers $4,244 $4,453
USAA $2,329 $2,331

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

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

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

Insurance Company Low Medium High
Allstate $5,566 $6,020 $6,569
GEICO $3,429 $3,642 $3,919
Liberty Mutual $8,070 $8,505 $9,015
Nationwide $5,355 $5,713 $6,243
Progressive $5,310 $5,626 $6,088
State Farm $5,815 $6,231 $6,521
Travelers $6,072 $6,377 $6,920
USAA $4,742 $4,893 $5,144

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Find Cheap Brightwaters, NY Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,966 $6,137
GEICO $3,556 $3,771
Liberty Mutual $8,283 $8,777
Nationwide $5,770 $5,770
Progressive $5,675 $5,675
State Farm $5,960 $6,419
Travelers $6,456 $6,456
USAA $4,876 $4,977

Find Cheap Brightwaters, NY Auto Insurance Rates by Driving Record

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

Annual Brightwaters, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,077 $5,077 $7,564 $6,488
GEICO $2,821 $3,077 $5,934 $2,821
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 $5,878 $5,878 $6,500 $6,500
Travelers $5,443 $6,935 $7,031 $6,417
USAA $4,387 $4,459 $6,400 $4,459

Find Cheap Brightwaters, NY Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,564
GEICO $5,934
Liberty Mutual $14,015
Nationwide $9,941
Progressive $6,143
State Farm $6,500
Travelers $7,031
USAA $6,400

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

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

Best Annual Auto Insurance Rates by Company in Brightwaters, 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 Brightwaters, New York Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $6,051
GEICO $3,663
Liberty Mutual $8,530
Nationwide $5,770
Progressive $5,675
State Farm $6,189
Travelers $6,456
USAA $4,926

What affects Brightwaters, New York auto insurance rates?

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

Commute Times in Brightwaters

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Brightwaters, NY is 31.9 minutes according to City-Data.

Compare Auto Insurance Quotes in Brightwaters, NY

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

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