Buy Cheap Chatham, NY Auto Insurance (2021)

Chatham, NY auto insurance rates average $307 a month. Minimum auto insurance requirements in Chatham, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Chatham, NY, compare Chatham 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 Chatham is Liberty Mutual
  • The most expensive auto insurance company in Chatham after a DUI is Liberty Mutual
  • Average auto insurance rates in Chatham, NY after a DUI are $4,927/year

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

See how Chatham, NY car insurance rates compare to Albany auto insurance rates, Syracuse auto insurance rates, and New York auto insurance rates before you read more about the cost of auto insurance in Chatham.

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

Chatham, NY Minimum Auto Insurance Requirements

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,324 $3,145 $2,725
GEICO $2,583 $1,898 $1,703
Liberty Mutual $8,980 $5,868 $4,390
Nationwide $3,226 $3,226 $3,226
Progressive $4,933 $2,541 $1,858
State Farm $5,103 $3,199 $2,539
Travelers $5,423 $3,399 $2,943
USAA $5,284 $2,627 $2,319

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chatham, 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 $2,482 $2,345 $2,330 $2,374 $7,384 $7,982 $2,462 $2,491
GEICO $1,520 $1,464 $1,477 $1,456 $3,173 $4,623 $1,372 $1,408
Liberty Mutual $4,644 $4,644 $4,322 $4,322 $9,063 $14,728 $4,644 $4,936
Nationwide $2,433 $2,433 $2,295 $2,295 $4,336 $6,474 $2,433 $3,109
Progressive $1,873 $1,749 $1,496 $1,522 $6,372 $7,091 $2,421 $2,361
State Farm $2,284 $2,284 $1,986 $1,986 $6,635 $8,578 $2,505 $2,651
Travelers $2,791 $2,816 $2,556 $2,739 $6,574 $7,853 $2,960 $3,085
USAA $1,783 $1,754 $1,610 $1,615 $7,161 $8,549 $2,285 $2,526

Buy Cheap Chatham, NY Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,384 $7,982
GEICO $3,173 $4,623
Liberty Mutual $9,063 $14,728
Nationwide $4,336 $6,474
Progressive $6,372 $7,091
State Farm $6,635 $8,578
Travelers $6,574 $7,853
USAA $7,161 $8,549

Buy Cheap Chatham, NY Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,330 $2,374
GEICO $1,477 $1,456
Liberty Mutual $4,322 $4,322
Nationwide $2,295 $2,295
Progressive $1,496 $1,522
State Farm $1,986 $1,986
Travelers $2,556 $2,739
USAA $1,610 $1,615

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

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

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

Insurance Company Low Medium High
Allstate $3,548 $3,720 $3,926
GEICO $1,950 $2,053 $2,182
Liberty Mutual $6,132 $6,393 $6,714
Nationwide $3,031 $3,200 $3,448
Progressive $2,955 $3,094 $3,283
State Farm $3,432 $3,634 $3,774
Travelers $3,704 $3,876 $4,185
USAA $3,312 $3,393 $3,526

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Find Cheap Chatham, NY Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,681 $3,782
GEICO $2,001 $2,122
Liberty Mutual $6,232 $6,593
Nationwide $3,226 $3,226
Progressive $3,111 $3,111
State Farm $3,487 $3,741
Travelers $3,922 $3,922
USAA $3,376 $3,445

Find Cheap Chatham, NY Auto Insurance Rates by Driving Record

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

Annual Chatham, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,152 $3,152 $4,630 $3,990
GEICO $1,626 $1,771 $3,225 $1,626
Liberty Mutual $5,126 $5,126 $10,273 $5,126
Nationwide $2,459 $2,459 $5,473 $2,515
Progressive $3,025 $3,025 $3,350 $3,043
State Farm $3,447 $3,447 $3,781 $3,781
Travelers $3,348 $4,189 $4,250 $3,900
USAA $3,036 $3,085 $4,436 $3,085

Find Cheap Chatham, NY Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,630
GEICO $3,225
Liberty Mutual $10,273
Nationwide $5,473
Progressive $3,350
State Farm $3,781
Travelers $4,250
USAA $4,436

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

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

Best Annual Auto Insurance Rates by Company in Chatham, 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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Find Cheap Chatham, New York Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,731
GEICO $2,062
Liberty Mutual $6,413
Nationwide $3,226
Progressive $3,111
State Farm $3,614
Travelers $3,922
USAA $3,410

What affects Chatham, New York auto insurance rates?

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

Commute Times in Chatham

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Chatham, NY is 24.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Chatham, NY

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

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