Buy Cheap Elma, NY Auto Insurance (2021)

Elma, NY auto insurance rates average $295 a month. Minimum auto insurance requirements in Elma, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Elma, NY, compare Elma 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 Elma, NY after a DUI are $4,688/year
  • The most expensive auto insurance company in Elma after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Elma is Liberty Mutual

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

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

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

Elma, NY Minimum Auto Insurance Requirements

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,860 $3,395 $2,913
GEICO $2,384 $1,752 $1,572
Liberty Mutual $7,745 $5,067 $3,797
Nationwide $3,032 $3,032 $3,032
Progressive $4,761 $2,466 $1,811
State Farm $5,617 $3,525 $2,799
Travelers $5,221 $3,245 $2,801
USAA $4,681 $2,375 $2,101

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Elma, 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 $2,758 $2,567 $2,596 $2,622 $8,007 $8,565 $2,672 $2,663
GEICO $1,389 $1,339 $1,353 $1,333 $2,946 $4,329 $1,250 $1,284
Liberty Mutual $4,016 $4,016 $3,739 $3,739 $7,814 $12,685 $4,016 $4,267
Nationwide $2,278 $2,278 $2,150 $2,150 $4,103 $6,112 $2,278 $2,910
Progressive $1,785 $1,649 $1,423 $1,448 $6,291 $6,976 $2,305 $2,224
State Farm $2,488 $2,488 $2,179 $2,179 $7,394 $9,491 $2,742 $2,880
Travelers $2,652 $2,660 $2,448 $2,609 $6,335 $7,634 $2,805 $2,903
USAA $1,591 $1,561 $1,447 $1,444 $6,444 $7,661 $2,031 $2,239

Buy Cheap Elma, NY Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,007 $8,565
GEICO $2,946 $4,329
Liberty Mutual $7,814 $12,685
Nationwide $4,103 $6,112
Progressive $6,291 $6,976
State Farm $7,394 $9,491
Travelers $6,335 $7,634
USAA $6,444 $7,661

Buy Cheap Elma, NY Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,596 $2,622
GEICO $1,353 $1,333
Liberty Mutual $3,739 $3,739
Nationwide $2,150 $2,150
Progressive $1,423 $1,448
State Farm $2,179 $2,179
Travelers $2,448 $2,609
USAA $1,447 $1,444

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

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

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

Insurance Company Low Medium High
Allstate $3,786 $4,040 $4,342
GEICO $1,786 $1,897 $2,025
Liberty Mutual $5,271 $5,518 $5,821
Nationwide $2,821 $3,003 $3,273
Progressive $2,836 $2,994 $3,207
State Farm $3,737 $4,007 $4,196
Travelers $3,503 $3,704 $4,060
USAA $2,962 $3,038 $3,157

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Find Cheap Elma, NY Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,001 $4,112
GEICO $1,847 $1,959
Liberty Mutual $5,382 $5,692
Nationwide $3,032 $3,032
Progressive $3,012 $3,012
State Farm $3,837 $4,123
Travelers $3,756 $3,756
USAA $3,022 $3,083

Find Cheap Elma, NY Auto Insurance Rates by Driving Record

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

Annual Elma, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,441 $3,441 $5,012 $4,332
GEICO $1,486 $1,620 $3,019 $1,486
Liberty Mutual $4,429 $4,429 $8,860 $4,429
Nationwide $2,318 $2,318 $5,122 $2,371
Progressive $2,928 $2,928 $3,247 $2,947
State Farm $3,787 $3,787 $4,174 $4,174
Travelers $3,194 $4,018 $4,074 $3,737
USAA $2,708 $2,753 $3,995 $2,753

Find Cheap Elma, NY Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,012
GEICO $3,019
Liberty Mutual $8,860
Nationwide $5,122
Progressive $3,247
State Farm $4,174
Travelers $4,074
USAA $3,995

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

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

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

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

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

Insurance Company Average Annual Rates
Allstate $4,056
GEICO $1,903
Liberty Mutual $5,537
Nationwide $3,032
Progressive $3,012
State Farm $3,980
Travelers $3,756
USAA $3,052

What affects Elma, New York auto insurance rates?

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

Commute Times in Elma

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elma, NY is 22.8 minutes according to City-Data.

Compare Auto Insurance Quotes in Elma, NY

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

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