Buy Cheap Esperance, NY Auto Insurance (2021)

Esperance, NY auto insurance rates average $260 a month. Minimum auto insurance requirements in Esperance, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Esperance, NY, compare Esperance 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 Esperance is Liberty Mutual
  • Average auto insurance rates in Esperance, NY are $260/month
  • Average auto insurance rates in Esperance, NY after a DUI are $4,125/year

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

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

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

Esperance, NY Minimum Auto Insurance Requirements

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,391 $1,757 $1,577
Liberty Mutual $6,283 $4,122 $3,096
Nationwide $2,730 $2,730 $2,730
Progressive $4,181 $2,186 $1,607
State Farm $4,346 $2,726 $2,164
Travelers $4,757 $3,013 $2,623
USAA $4,427 $2,242 $1,985

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Esperance, 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 $2,461 $2,325 $2,314 $2,358 $7,354 $7,952 $2,438 $2,467
GEICO $1,398 $1,346 $1,360 $1,340 $2,949 $4,322 $1,260 $1,294
Liberty Mutual $3,269 $3,269 $3,046 $3,046 $6,347 $10,285 $3,269 $3,470
Nationwide $2,068 $2,068 $1,954 $1,954 $3,660 $5,437 $2,068 $2,629
Progressive $1,587 $1,490 $1,274 $1,296 $5,440 $6,079 $2,065 $2,031
State Farm $1,933 $1,933 $1,685 $1,685 $5,684 $7,333 $2,125 $2,251
Travelers $2,506 $2,537 $2,277 $2,448 $5,725 $6,781 $2,661 $2,780
USAA $1,506 $1,477 $1,369 $1,366 $6,087 $7,239 $1,919 $2,114

Buy Cheap Esperance, NY Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $2,949 $4,322
Liberty Mutual $6,347 $10,285
Nationwide $3,660 $5,437
Progressive $5,440 $6,079
State Farm $5,684 $7,333
Travelers $5,725 $6,781
USAA $6,087 $7,239

Buy Cheap Esperance, NY Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,360 $1,340
Liberty Mutual $3,046 $3,046
Nationwide $1,954 $1,954
Progressive $1,274 $1,296
State Farm $1,685 $1,685
Travelers $2,277 $2,448
USAA $1,369 $1,366

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

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

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

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $1,809 $1,902 $2,014
Liberty Mutual $4,314 $4,485 $4,701
Nationwide $2,584 $2,711 $2,895
Progressive $2,531 $2,644 $2,799
State Farm $2,925 $3,096 $3,215
Travelers $3,302 $3,433 $3,657
USAA $2,799 $2,871 $2,984

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Find Cheap Esperance, NY Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,659 $3,759
GEICO $1,852 $1,965
Liberty Mutual $4,375 $4,626
Nationwide $2,730 $2,730
Progressive $2,658 $2,658
State Farm $2,971 $3,186
Travelers $3,464 $3,464
USAA $2,856 $2,913

Find Cheap Esperance, NY Auto Insurance Rates by Driving Record

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

Annual Esperance, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,130 $3,130 $4,607 $3,968
GEICO $1,496 $1,630 $3,013 $1,496
Liberty Mutual $3,605 $3,605 $7,187 $3,605
Nationwide $2,094 $2,094 $4,589 $2,141
Progressive $2,585 $2,585 $2,861 $2,600
State Farm $2,933 $2,933 $3,224 $3,224
Travelers $2,977 $3,691 $3,744 $3,445
USAA $2,561 $2,603 $3,772 $2,603

Find Cheap Esperance, NY Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,607
GEICO $3,013
Liberty Mutual $7,187
Nationwide $4,589
Progressive $2,861
State Farm $3,224
Travelers $3,744
USAA $3,772

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

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

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

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

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

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $1,909
Liberty Mutual $4,500
Nationwide $2,730
Progressive $2,658
State Farm $3,079
Travelers $3,464
USAA $2,885

What affects Esperance, New York auto insurance rates?

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

Commute Times in Esperance

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Esperance, NY is 34.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Esperance, NY

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

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