Buy Cheap Gainesville, NY Auto Insurance (2021)

Gainesville, NY auto insurance rates average $264 a month. Minimum auto insurance requirements in Gainesville, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Gainesville, NY, compare Gainesville 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 Gainesville, NY after a DUI are $4,127/year
  • Average auto insurance rates in Gainesville, NY for teens drivers are $5,437/year
  • Average auto insurance rates in Gainesville, NY are $264/month

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

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

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

Gainesville, NY Minimum Auto Insurance Requirements

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,960 $2,940 $2,562
GEICO $2,322 $1,708 $1,532
Liberty Mutual $5,758 $3,782 $2,844
Nationwide $2,883 $2,883 $2,883
Progressive $4,311 $2,255 $1,657
State Farm $5,369 $3,370 $2,676
Travelers $4,747 $2,998 $2,610
USAA $4,707 $2,323 $2,051

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Gainesville, 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 $2,397 $2,273 $2,226 $2,260 $6,686 $7,171 $2,425 $2,459
GEICO $1,399 $1,345 $1,355 $1,335 $2,817 $4,019 $1,269 $1,293
Liberty Mutual $3,013 $3,013 $2,805 $2,805 $5,784 $9,380 $3,013 $3,206
Nationwide $2,197 $2,197 $2,075 $2,075 $3,830 $5,702 $2,197 $2,790
Progressive $1,701 $1,627 $1,407 $1,413 $5,408 $6,058 $2,180 $2,134
State Farm $2,411 $2,411 $2,102 $2,102 $6,990 $8,997 $2,647 $2,781
Travelers $2,510 $2,539 $2,273 $2,444 $5,680 $6,729 $2,661 $2,778
USAA $1,598 $1,573 $1,437 $1,445 $6,303 $7,547 $2,047 $2,264

Buy Cheap Gainesville, NY Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,686 $7,171
GEICO $2,817 $4,019
Liberty Mutual $5,784 $9,380
Nationwide $3,830 $5,702
Progressive $5,408 $6,058
State Farm $6,990 $8,997
Travelers $5,680 $6,729
USAA $6,303 $7,547

Buy Cheap Gainesville, NY Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,226 $2,260
GEICO $1,355 $1,335
Liberty Mutual $2,805 $2,805
Nationwide $2,075 $2,075
Progressive $1,407 $1,413
State Farm $2,102 $2,102
Travelers $2,273 $2,444
USAA $1,437 $1,445

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

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

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

Insurance Company Low Medium High
Allstate $3,320 $3,477 $3,665
GEICO $1,768 $1,846 $1,948
Liberty Mutual $3,976 $4,114 $4,292
Nationwide $2,726 $2,861 $3,062
Progressive $2,621 $2,731 $2,871
State Farm $3,601 $3,827 $3,988
Travelers $3,285 $3,419 $3,652
USAA $2,952 $3,015 $3,115

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Find Cheap Gainesville, NY Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,440 $3,534
GEICO $1,801 $1,907
Liberty Mutual $4,012 $4,243
Nationwide $2,883 $2,883
Progressive $2,741 $2,741
State Farm $3,668 $3,942
Travelers $3,452 $3,452
USAA $2,997 $3,057

Find Cheap Gainesville, NY Auto Insurance Rates by Driving Record

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

Annual Gainesville, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,990 $2,990 $4,259 $3,710
GEICO $1,489 $1,620 $2,818 $1,489
Liberty Mutual $3,338 $3,338 $6,496 $3,338
Nationwide $2,204 $2,204 $4,869 $2,254
Progressive $2,673 $2,673 $2,931 $2,687
State Farm $3,627 $3,627 $3,983 $3,983
Travelers $2,972 $3,675 $3,727 $3,433
USAA $2,697 $2,740 $3,931 $2,740

Find Cheap Gainesville, NY Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,259
GEICO $2,818
Liberty Mutual $6,496
Nationwide $4,869
Progressive $2,931
State Farm $3,983
Travelers $3,727
USAA $3,931

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

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

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

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

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

Insurance Company Average Annual Rates
Allstate $3,487
GEICO $1,854
Liberty Mutual $4,128
Nationwide $2,883
Progressive $2,741
State Farm $3,805
Travelers $3,452
USAA $3,027

What affects Gainesville, New York auto insurance rates?

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

Commute Times in Gainesville

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Gainesville, NY is 20.2 minutes according to City-Data.

Traffic in Gainesville

How is traffic in Gainesville, New York? Inrix data shows that Gainesville, NY traffic makes it the 462nd-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Gainesville, NY

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

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