Buy Cheap Orchard Park, NY Auto Insurance (2021)

Orchard Park, NY auto insurance rates average $297 a month. Minimum auto insurance requirements in Orchard Park, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Orchard Park, NY, compare Orchard Park 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 Orchard Park, NY for teens drivers are $6,222/year
  • Average auto insurance rates in Orchard Park, NY after a DUI are $4,720/year
  • The most expensive auto insurance company in Orchard Park after a DUI is Liberty Mutual

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

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

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

Orchard Park, NY Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Orchard Park, 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 Orchard Park, NY Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Orchard Park, New York

Insurance Company Poor Fair Good
Allstate $5,860 $3,395 $2,913
GEICO $2,499 $1,836 $1,648
Liberty Mutual $6,786 $4,447 $3,337
Nationwide $3,523 $3,523 $3,523
Progressive $4,861 $2,514 $1,844
State Farm $5,963 $3,741 $2,970
Travelers $5,221 $3,245 $2,801
USAA $4,681 $2,375 $2,101

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Orchard Park, 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 $1,452 $1,399 $1,414 $1,394 $3,091 $4,553 $1,307 $1,344
Liberty Mutual $3,523 $3,523 $3,283 $3,283 $6,859 $11,120 $3,523 $3,740
Nationwide $2,624 $2,624 $2,473 $2,473 $4,806 $7,187 $2,624 $3,372
Progressive $1,840 $1,709 $1,476 $1,499 $6,356 $7,052 $2,369 $2,285
State Farm $2,626 $2,626 $2,303 $2,303 $7,880 $10,121 $2,897 $3,045
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 Orchard Park, NY Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Orchard Park, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,007 $8,565
GEICO $3,091 $4,553
Liberty Mutual $6,859 $11,120
Nationwide $4,806 $7,187
Progressive $6,356 $7,052
State Farm $7,880 $10,121
Travelers $6,335 $7,634
USAA $6,444 $7,661

Buy Cheap Orchard Park, NY Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Orchard Park, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,596 $2,622
GEICO $1,414 $1,394
Liberty Mutual $3,283 $3,283
Nationwide $2,473 $2,473
Progressive $1,476 $1,499
State Farm $2,303 $2,303
Travelers $2,448 $2,609
USAA $1,447 $1,444

Find Cheap Auto Insurance Rates in Orchard Park, NY by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Orchard Park, New York

Insurance Company Low Medium High
Allstate $3,786 $4,040 $4,342
GEICO $1,876 $1,990 $2,116
Liberty Mutual $4,605 $4,838 $5,127
Nationwide $3,268 $3,488 $3,812
Progressive $2,897 $3,055 $3,268
State Farm $3,940 $4,257 $4,477
Travelers $3,503 $3,704 $4,060
USAA $2,962 $3,038 $3,157

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Find Cheap Orchard Park, NY Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Orchard Park, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,001 $4,112
GEICO $1,936 $2,053
Liberty Mutual $4,721 $4,992
Nationwide $3,523 $3,523
Progressive $3,073 $3,073
State Farm $4,073 $4,377
Travelers $3,756 $3,756
USAA $3,022 $3,083

Find Cheap Orchard Park, NY Auto Insurance Rates by Driving Record

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

Annual Orchard Park, 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 $1,555 $1,696 $3,171 $1,555
Liberty Mutual $3,884 $3,884 $7,775 $3,884
Nationwide $2,680 $2,680 $5,989 $2,742
Progressive $2,989 $2,989 $3,308 $3,007
State Farm $4,017 $4,017 $4,432 $4,432
Travelers $3,194 $4,018 $4,074 $3,737
USAA $2,708 $2,753 $3,995 $2,753

Find Cheap Orchard Park, NY Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Orchard Park, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,012
GEICO $3,171
Liberty Mutual $7,775
Nationwide $5,989
Progressive $3,308
State Farm $4,432
Travelers $4,074
USAA $3,995

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

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

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

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

Average Annual Auto Insurance Rates by Company in Orchard Park, New York

Insurance Company Average Annual Rates
Allstate $4,056
GEICO $1,994
Liberty Mutual $4,857
Nationwide $3,523
Progressive $3,073
State Farm $4,225
Travelers $3,756
USAA $3,052

What affects Orchard Park, New York auto insurance rates?

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

Commute Times in Orchard Park

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Orchard Park, NY is 21.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Orchard Park, NY

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

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