Buy Cheap Dunkirk, NY Auto Insurance (2021)

Dunkirk, NY auto insurance rates average $250 a month. Minimum auto insurance requirements in Dunkirk, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Dunkirk, NY, compare Dunkirk 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 Dunkirk is Liberty Mutual
  • Average auto insurance rates in Dunkirk, NY are $250/month
  • Average auto insurance rates in Dunkirk, NY for teens drivers are $5,144/year

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

See how Dunkirk, NY car insurance rates compare to Albany auto insurance rates, New Rochelle auto insurance rates, and Rochester auto insurance rates before you read more about the cost of auto insurance in Dunkirk.

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

Dunkirk, NY Minimum Auto Insurance Requirements

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,711 $2,778 $2,411
GEICO $2,237 $1,645 $1,475
Liberty Mutual $5,914 $3,882 $2,918
Nationwide $2,724 $2,724 $2,724
Progressive $3,678 $1,928 $1,421
State Farm $5,008 $3,140 $2,492
Travelers $4,425 $2,815 $2,457
USAA $4,355 $2,198 $1,941

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Dunkirk, 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 $2,280 $2,144 $2,125 $2,149 $6,353 $6,797 $2,267 $2,283
GEICO $1,328 $1,278 $1,290 $1,271 $2,734 $3,955 $1,200 $1,229
Liberty Mutual $3,093 $3,093 $2,879 $2,879 $5,939 $9,636 $3,093 $3,293
Nationwide $2,078 $2,078 $1,963 $1,963 $3,618 $5,377 $2,078 $2,635
Progressive $1,416 $1,336 $1,148 $1,162 $4,743 $5,301 $1,832 $1,799
State Farm $2,229 $2,229 $1,943 $1,943 $6,541 $8,449 $2,449 $2,591
Travelers $2,342 $2,380 $2,127 $2,293 $5,310 $6,309 $2,491 $2,607
USAA $1,494 $1,470 $1,355 $1,359 $5,911 $7,036 $1,911 $2,112

Buy Cheap Dunkirk, NY Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,353 $6,797
GEICO $2,734 $3,955
Liberty Mutual $5,939 $9,636
Nationwide $3,618 $5,377
Progressive $4,743 $5,301
State Farm $6,541 $8,449
Travelers $5,310 $6,309
USAA $5,911 $7,036

Buy Cheap Dunkirk, NY Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,125 $2,149
GEICO $1,290 $1,271
Liberty Mutual $2,879 $2,879
Nationwide $1,963 $1,963
Progressive $1,148 $1,162
State Farm $1,943 $1,943
Travelers $2,127 $2,293
USAA $1,355 $1,359

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

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

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

Insurance Company Low Medium High
Allstate $3,142 $3,290 $3,466
GEICO $1,695 $1,779 $1,883
Liberty Mutual $4,063 $4,224 $4,427
Nationwide $2,574 $2,704 $2,893
Progressive $2,237 $2,333 $2,457
State Farm $3,353 $3,569 $3,718
Travelers $3,078 $3,204 $3,416
USAA $2,744 $2,817 $2,932

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Find Cheap Dunkirk, NY Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,256 $3,343
GEICO $1,734 $1,838
Liberty Mutual $4,120 $4,357
Nationwide $2,724 $2,724
Progressive $2,342 $2,342
State Farm $3,422 $3,672
Travelers $3,232 $3,232
USAA $2,803 $2,860

Find Cheap Dunkirk, NY Auto Insurance Rates by Driving Record

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

Annual Dunkirk, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,826 $2,826 $4,035 $3,512
GEICO $1,418 $1,544 $2,762 $1,418
Liberty Mutual $3,431 $3,431 $6,659 $3,431
Nationwide $2,088 $2,088 $4,585 $2,135
Progressive $2,280 $2,280 $2,516 $2,293
State Farm $3,380 $3,380 $3,713 $3,713
Travelers $2,787 $3,439 $3,487 $3,217
USAA $2,522 $2,562 $3,678 $2,562

Find Cheap Dunkirk, NY Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,035
GEICO $2,762
Liberty Mutual $6,659
Nationwide $4,585
Progressive $2,516
State Farm $3,713
Travelers $3,487
USAA $3,678

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

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

Best Annual Auto Insurance Rates by Company in Dunkirk, New York

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

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Find Cheap Dunkirk, New York Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,300
GEICO $1,786
Liberty Mutual $4,238
Nationwide $2,724
Progressive $2,342
State Farm $3,547
Travelers $3,232
USAA $2,831

What affects Dunkirk, New York auto insurance rates?

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

Commute Times in Dunkirk

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Dunkirk, NY is 13.0 minutes according to City-Data.

Traffic in Dunkirk

How is traffic in Dunkirk, New York? Inrix data shows that Dunkirk, NY traffic makes it the 654th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Dunkirk, NY

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

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